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Documents citing Hdfc Ergo General Insurance Co. Ltd. vs Bhagchand Saini on 4 December, 2014

Iffco Tokio General Insurance Co. Ltd. vs Sai Constructions & Anr. on 1 November, 2019

12.   I have carefully considered the arguments advanced by the learned counsel for the parties and examined the material on record. The decision of this Commission in the case of HDFC Ergo General Insurance Co. Ltd., vs Shri Bhagchand Saini son of Suvalal - 2014 SCC online NCDRC 874 decided on 04.12.2014, is applicable to the present case and I also agree that the issue of delay can be raised in the written statement and the same has been actually raised. Therefore, it needs to be examined by the consumer fora. If the owner was not available in India, nobody had stopped the driver or any authorised representative of the owner to lodge an FIR. Moreover, the driver of the truck has entered into an agreement with the driver of the other truck with which this truck had collided, clearly stating that as no loss of life has occurred, both the parties have agreed that there was no negligence on the part of any of the party to the accident. This type of agreement cannot give any basis to the insurance company to assume that there was no fault in the driving or there was no negligence in taking reasonable care of the vehicle as per condition no.5 of the policy. Thus, clearly the violation of condition no.5 of the policy cannot be ruled out. Clearly, there has been delay of 36 days in giving intimation to the insurance company and even the date of accident may be different than what has been told by the complainant. However, one thing is clear that when the vehicle was pre-inspected by the surveyor before the insurance, the vehicle was not an accidented vehicle. I don't find any force in the observation of the surveyor that the vehicle inspected after the accident was a different vehicle. The State Commission has rightly observed that as the engine and chassis numbers are the same, it cannot be said that a different vehicle was shown to the surveyor for inspection. The possibility of the accident prior to the commencement of the policy is ruled out because the vehicle was pre-inspected before the insurance and then the vehicle was not accidented, therefore, the vehicle must have met with an accident only after the commencement of the policy.
National Consumer Disputes Redressal Cites 3 - Cited by 0 - Full Document

Smt. Meera Devi W/O Lat. Shambhu Lal vs Tata Aig Gen. Ins. Co. Ltd.Through ... on 23 February, 2017

The respondent has also relied upon judgment passed by the National Commission in Revision Petition No. 4290/2010 The CSC Headthe Iffco Tokio Vs. Gaurav Bhargava , Revision Petition No. 3049/2014 HDFC Egro General Insurance Co. Vs. Bhagchand Saini where the National Commission has held that as the respondent is a private player in the field the guidelines issued by the General Insurance Company are not applicable to them and claim could not be settled down on non-standard basis.
State Consumer Disputes Redressal Commission Cites 12 - Cited by 0 - Full Document

Iffco Tokio General Insurance Co.Ltd. vs Balbhadra Ram & Ors. on 24 August, 2015

lgk;rk izkIr fd;k ftl ij Qk;usal pktZ 9]500@&¼ukS gtkj ikap lkS :Ik;s½ dqy&1]59]500@&¼,d yk[k mulB gtkj ikap lkS :Ik;s½ dks vuqca/k 'krksZa ds vuqlkj fu;fer :Ik ls fcuk fdlh foyac ds 11 ekfld fd'rksa esa vnk fd;k tkuk FkkA mRrjoknh dz-1@ifjoknh }kjk chek ,oa jftLVªs'ku gsrq okgu fodzsrk daiuh dks jkf'k iznku dh xbZ Fkh vFkkZr~ okgu ds iath;u ,oa chek djk;s tkus dk nkf;Ro mRrjoknh dz-1@ ifjoknh ,oa okgu fodzsrk dk FkkA okgu dk chek mRrjoknh dz-2@ vukosnd dz-1 }kjk vihykFkhZ@vukosnd dz-3 dh chek daiuh ls djk;k x;k ftldh vof/k fnukad&14-01-2013 ls fnukad&13-01-2014 rd FkhA tks Hkh i=kpkj fd;k x;k Fkk og vihykFkhZ@vukosnd dz-3 ,oa mlds LFkkuh; dk;kZy; ls fd;k x;k FkkA mRrjoknh dz-3@vukosnd dz-2 ds fo:} dksbZ okn dkj.k mRiUu ugha gqvk gSA mRrjoknh dz-1@ifjoknh] mRrjoknh dz-3@vukosnd dz-2 ls dksbZ lgk;rk izkIr djus dk vf/kdkjh ugha gSA mRrjoknh dz-3@vukosnd dz-2 daiuh vf/kfu;e] 1956] ds varxZr xfBr ,d iathd`r Qk;usal daiuh gS tks fd fofHkUu izdkj ds okguksa dks dz; djus gsrq ek= foRrh; lqfo/kk iznRr djus dk dk;Z djrh gS uk fd fdlh izdkj ds okguksa dks fofuekZ.k ;k fodz; djus vkSj u gh chek o iath;u djkus dk dk;Z djrh gS vFkkZr~ vukosndx.k i`Fkd&i`Fkd laLFkk,a gS ,oa lHkh dk dk;Z{ks= Hkh vyx&vyx gSA mRrjoknh dz-1@ ifjoknh }kjk mRrjoknh dz-3@vukosnd dz-2 daiuh ls izkIr foRrh; lqfo/kk dk Hkqxrku fd;k tk pqdk gS fdUrq mRrjoknh dz-1@ifjoknh }kjk vkt fnukad rd okgu dk iath;u izek.k&i= mRrjoknh dz-3@vukosnd dz-2 dks iznku ugha fd;k x;k gS vkSj mRrjoknh dz-1@ifjoknh }kjk okgu dk iath;u izek.k&i= dh izfr izLrqr djus ij mRrjoknh dz-3@ vukosnd dz-2 }kjk vukifRr izek.k&i= tkjh dj iznku dj fn;k // 6 // tk,xkA okgu dk chek vihykFkhZ@vukosnd dz-3 }kjk izhfe;e jkf'k ysdj fd;k x;k gS vr% {kfriwfrZ nsus dk nkf;Ro vihykFkhZ@vukosnd dz- 3 dk gSA ekuuh; jk"Vªh; vk;ksx }kjk dbZ izdj.kksa esa ;g ekuk x;k gS fd ;fn dksbZ HkkM+k dz; vuqca/k Qk;usalj ,oa HkkM+ dzsrk ds chp esa izfrikfnr gks rks ;g ugha ekuk tk ldrk gS fd vukosnd daiuh ds }kjk HkkM+k dzsrk **gkW;jj** dks fdlh izdkj dh lsok ns jgk gSA vr% ;g Li"V gS fd mRrjoknh dz-1@ifjoknh ,oa vukosnd daiuh ds e/; vkil esa miHkksDrk ds laca/k ugha gSA _.k ds ysu&nsu esa vukosnd daiuh }kjk HkkM+k dzsrk dks fdlh izdkj dh lsok iznku ugha dh tkrh gS tks fd miHkksDrk laj{k.k vf/kfu;e] 1986] ds v/khu vkrh gks] bl dkj.k HkkM+k dzsrk miHkksDrk dh Js.kh ,oa vf/kdkj {ks= esa ugha vkrk gSA vr% mRrjoknh dz-1@ifjoknh dk ifjokn lO;; fujLr fd;k tkosA 05- vihykFkhZ@vukosnd dz-3 dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vfHkdFku fd;k x;k gS fd okgu VsªDVj baftu ,oa psfpl ua-&NFFB00030 rFkk Vªkyh chek ikWfylh ds 'krksZa ds rgr mRrjoknh dz-1@ifjoknh ds uke ls fnukad&14-01-2013 ls fnukad&13-01-2014 rd vihykFkhZ@vukosnd dz-3 ls chfer gSA VsªDVj dk chek /ku&5]43]661@&¼ikap yk[k frjkyhl gtkj N% lkS bdlB :Ik;s½ rFkk Vªkyh dk chek /ku&1]37]750@&¼,d yk[k lSarhl gtkj lkr lkS ipkl :Ik;s½ dqy&6]81]411@&¼N% yk[k bD;klh gtkj pkj lkS X;kjg :Ik;s½ gsrq tksf[ke dOgj gSA chfer okgu dk pksjh gksuk fnukad&10-04-2013 ds izFke lwpuk&i= ds vk/kkj ij gS ijUrq okgu pksjh dh lwpuk fnukaD&05-06-2013 dks yxHkx 01 ekg 25 fnu ckn chek daiuh dks nh xbZ gS tks chek ikWfylh dk ?kksj mYya?ku gSA chfer okgu pksjh fnukad&10-04-2013 dks ifjogu vf/kdkjh ds dk;kZy; esa jftLVMZ ugha Fkk rFkk VsªDVj&Vªkyh dk jftLVªs'ku dzekad ugha Fkk tks chek ikWfylh dk ?kksj mYya?ku gSA chek gsrq ftl frfFk dks izhfe;e izkIr gqvk gS mlh fnukad dks vihykFkhZ@vukosnd dz-3 chek daiuh }kjk chek // 7 // ikWfylh tkjh fd;k x;k gSA okgu dks lqjf{kr j[ks tkus gsrq mRrjoknh dz-1@ifjoknh }kjk dksbZ mik; ugha fd;k x;k Fkk cfYd [kqys LFkku ij chfer okgu [kM+h j[kk x;k Fkk tks chek ikWfylh dk ?kksj mYya?ku gS ftlds dkj.k nkok pyus ;ksX; ugha gSA vihykFkhZ@vukosnd dz-3 chek daiuh vFkok mlls lacaf/kr fdlh Hkh O;fDr }kjk vkj- Vh- vks- vFkok vU; O;fDr dks i= ugha fy[kk x;k gSA okgu pksjh dh rRdky lwpuk vihykFkhZ@vukosnd dz-3 chek daiuh dks ugha nh xbZ gSA vihykFkhZ@ vukosnd dz-3 chek daiuh }kjk mRrjoknh dz-1@ifjoknh dk nkok fujLr dj lsok esa dksbZ deh ugha dh xbZ gS vfirq okn dkj.k ,oa lsok dk iz'u gh mRiUu ugha gksrk gSA chek ikWfylh chek 'krksZa ds rgr tkjh gS ftldk ?kksj mYya?ku mRrjoknh dz-1@ifjoknh }kjk fd;k x;k gSA ,slh fLFkfr esa mRrjoknh dz-1@ifjoknh] vihykFkhZ@vukosnd dz-3 chek daiuh ls dksbZ {kfriwfrZ izkIr djus dk vf/kdkjh ugha gSA vr% izLrqr ifjokn fujLr fd;k tkosA 06- mRrjoknh dz-1@ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k mRrjoknh dz-1@ifjoknh }kjk vihykFkhZ@vukosnd dz-3 dks nh xbZ pksjh dh lwpuk (Annexure-1) ,oa iksLV jlhn fnukad&01-06- 2013 (Annexure A-1 to A-2) dk vly rFkk izFke lwpuk izfrosnu fnukad&11-04-2013 (Annexure A-3)] chek ikWfylh (Annexure A-4)] 'kkL=h ,xzks baMLVªht dk fMfyojh pkyku rFkk ikorh fnukad&27-11-2012 (Annexure A-5 to A-6)] ikorh fnukad&19-12-2012 (Annexure A-7)] lsVyesaV vkWQ ,dkm.V fnukad&21-09-2013 (Annexure A-8) rFkk dk;kZy; iqfyl v/kh{kd] ftyk lwjtiqj }kjk mRrjoknh dz-1@ifjoknh dks vafre tkap izfrosnu ds laca/k esa izsf"kr i= fnukad&06-11-2013 rFkk vafre izfrosnu (Annexure A-9) dh QksVks dkih izLrqr fd;k gSA // 8 // 07- mRrjoknh dz-3@vukosnd dz-2 dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k lsVyesaV vkWQ ,dkm.V fnukad&01-03-2014 dh QksVks dkih izLrqr fd;k gSA 08- vihykFkhZ@vukosnd dz-03 dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k uks Dyse i= fnukad&10-03-2014] chek ikWfylh] ?kks"k.kk QkeZ rFkk losZ;j fjiksVZ dh QksVks dkih izLrqr fd;k gSA 09- ftyk Qksje us mHk;i{k }kjk izLrqr vfHkopu ,oa nLrkosth lk{; ds ifj'khyu Ik'pkr~ mRrjoknh dz-1@ifjoknh ds ifjokn dks Lohdkj djrs gq, Åij dafMdk&1 esa of.kZr vuqlkj vuqrks"k iznku fd;k gS ftlds fo:) ;g vihy gSA 10- vihykFkhZ@vukosnd dz-3 dh vksj ls milatkr gksus okys fo)ku vf/koDrk Jh ih- ds- ikWy dk ;g rdZ gS fd ftyk Qksje }kjk ikfjr vkyksP; vkns'k iw.kZr% fof/k foijhr gSA chek ikWfylh dh lafonk mHk;i{k ij leku :Ik ls ca/kudkjh gksrk gSA mRrjoknh dz-1@ifjoknh us okgu dks vlqjf{kr NksM+ fn;k Fkk vkSj mldh lqj{kk dk leqfpr mik; ugha fd;k Fkk vkSj blls Li"V gS fd mRrjoknh dz-1@ifjoknh }kjk chek 'krksZa dk mYya?ku fd;k x;k gSA okgu dh pksjh fnukad&09@10-04-2013 dh jkf= gksuk crk;k x;k gS ijUrq yxHkx 25 fnu ckn chek daiuh dks lwpuk nh xbZ gS vkSj bl izdkj chek daiuh vius vf/kdkjksa ls oafpr jgk gS tks fd chek lafonk dh 'krZ dz-1 dk mYya?ku gSA mRrjoknh dz-1@ifjoknh }kjk okgu dk iath;u djk, fcuk gh okgu dk mi;ksx fd;k tk jgk Fkk tks fd tks fd eksVj ;ku vf/kfu;e dh /kkjk&39 ds izko/kku ds foijhr Fkk vkSj 5&6 ekg rd fcuk iath;u djk, mi;ksx djrs jgk gS vkSj blfy, Hkh mRrjoknh dz-1@ifjoknh }kjk chek ikWfylh dh 'krksZa ds lkFk&lkFk eksVj ;ku vf/kfu;e ds izko/kku dk mYya?ku fd;k x;k gSA mRrjoknh dz- 1@ifjoknh fdlh izdkj dk vuqrks"k ikus dk vf/kdkjh ugha gSA ftyk Qksje dk vkns'k iw.kZr% =qfViw.kZ vkSj fof/k foijhr gS vkSj fujLrh ;ksX; gSA // 9 // vr% vihykFkhZ@vukosnd dz-3 dh vihy Lohdkj djrs gq, ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkosA vihykFkhZ@vukosnd dz-3 dh vksj ls vius rdZ ds leFkZu esa Shriram General Insurance Co. Ltd. Vs. Mahender Jat I (2015) CPJ 74 (NC), HDFC Ergo General Insurance Co. Ltd. Vs. Bhagchand Saini I (2015) CPJ 206 (NC), Ramadhar Singh Vs. Universal Shampi General Insurance Co. Ltd. & Ors. II (2015) CPJ 398 (NC), rFkk Saleena Rani Vs. United India Insurance Company Ltd. & Anr. I (2015) CPJ 220 (NC) ds U;k; n`"Vkar dk voyacu fy;k gSA 11- mRrjoknh dz-1@ifjoknh dh vksj ls milatkr gksus okys fo)ku vf/koDrk Jh lat; MMlsuk dk ;g rdZ gS fd ftyk Qksje dk vkns'k iw.kZr% fof/k lEer vkns'k gS] mlesa fdlh izdkj dh vfu;ferrk ,oa voS/kkfudrk ugha gSA tSls gh okgu pksjh dh tkudkjh gqbZ rRdky lacaf/kr Fkkus dks fjiksVZ fd;k x;k Fkk vkSj bldh lwpuk ba';ksjsal daiuh dks nh xbZ Fkh rFkk mRrjoknh dz-1@ifjonh }kjk Qk;usal daiuh dks okgu ds iath;u djkus ,oa chek ikWfylh ds fy, jkf'k dk Hkqxrku dj fn;k x;k FkkA mRrjoknh dz-1@ifjoknh }kjk 30]000@&¼rhl gtkj :Ik;s½ jftLVªs'ku gsrq vnk fd;k Fkk ijUrq Qk;usal daiuh }kjk jftLVªs'ku ugha djk;k x;k vkSj bl rF; dh tkudkjh mRrjoknh dz-1@ ifjoknh dks ugha gks ikbZ FkhA mRrjoknh dz-1@ifjoknh us tku&cw>dj iath;u djkus esa foyac dkfjr ugha fd;k gS vkSj u gh fdlh izdkj ls chek ikWfylh dh 'krksZa ,oa eksVj ;ku vf/kfu;e ds izko/kkuksa dk mYya?ku fd;k gSA ,slh fLFkfr esa vihykFkhZ@vukosnd dz-3 dh vihy fujLrh ;ksX; gSA vr% vihykFkhZ@vukosnd dz-3 dh vihy fujLr fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k ;Fkkor~ j[kk tkosA 12- mRrjoknh dz-2@vukosnd dz-1 dh vksj ls bl vk;ksx ds le{k dksbZ mifLFkr ugha gq, gSaA // 10 // 13- mRrjoknh dz-3@vukosnd dz-2 dh vksj ls milatkr gksus okys fo)ku vf/koDrk Jh jkds'k iqjh us vihykFkhZ@vukosnd dz-3 ba';ksjsal daiuh }kjk izLrqr rdZ dk leFkZu djrs gq, O;Dr fd;k fd ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkosA 14- geus mHk;i{k ds fo)ku vf/koDrkx.k dk rdZ Jo.k fd;k rFkk ftyk Qksje ds vfHkys[k ,oa vkyksP; vkns'k dk Hkh ifj'khyu fd;kA 15- mRrjoknh dz-1@ifjoknh ds vuqlkj fnukad&09-04-2013 dks 'kke 5-00 cts og ?kj ds lkeus VsªDVj&Vªkyh dks [kM+k fd;k Fkk vkSj tc fnukad&10-04-2013 dks lqcg tkdj ns[kk rks VsªDVj&Vªkyh ugha Fkk rc VsªsDVj&Vªkyh pksjh gksus dh lwpuk fnukad&11-04-2013 dks fn;k Fkk vkSj ,Q- vkbZ- vkj- ntZ fd;k x;k FkkA mRrjoknh dz-1@ifjoknh dh vksj ls izFke lwpuk&i= dh izfr ¼izn'kZ ,&3½ izLrqr fd;k x;k gS ftlesa ?kVuk fnukad&10-04-2013 vkSj Fkkus esa lwpuk izkIr gksus dk fnukad&11-04-2013 dh lqcg 10-30 cts crk;k x;k gSA bl izdkj ;g Li"V gS fd ?kVuk ds nwljs fnu gh Fkkus esa fjiksVZ dj fn;k x;k gS vkSj bl izdkj Fkkus esa fjiksVZ djus esa vuko';d foyac dkfjr ugha fd;k x;k gSA vc ;g ns[kuk gS fd D;k mRrjoknh dz-1@ifjoknh us vihykFkhZ@vukosnd dz-3 ba';ksjsal daiuh dks Hkh pksjh dh ?kVuk dh lwpuk vfoyac izsf"kr fd;k Fkk\ 16- mRrjoknh dz-1@ifjoknh us vius ifjokn&i= dh dafMdk&4 esa crk;k gS fd mlus Qk;usal daiuh dks lwpuk fn;k Fkk] mRrjoknh dz- 1@ifjoknh dks rc rd chek daiuh dk uke] irk dqN Hkh ekywe ugha Fkk vkSj uk chek ds dkxtkr mRrjoknh dz-1@ifjoknh ds ikl FksA blls Li"V gS fd mRrjoknh dz-1@ifjoknh }kjk chek daiuh dks rRdky lwpuk ugha fn;k x;k FkkA mRrjoknh dz-1@ifjoknh dh vksj ls ,d i= ¼izn'kZ ,&1½ izLrqr fd;k x;k gSA mDr i= mRrjoknh dz-1@ifjoknh cyHknz jke }kjk bQdks Vksfd;k tujy ba';ksjsal daiuh dks fy[kk x;k i= gS // 11 // ijUrq bl ij dksbZ fnukad vafdr ugha gS] ds }kjk igyh ckj vihykFkhZ@vukosnd dz-3 ba';ksjsal daiuh dks pksjh dh ?kVuk dh lwpuk nh xbZ gSA bl i= ds lkFk ,d jftLVªh dh jlhn ¼izn'kZ ,&2½ layXu gS vkSj ftlesa fnukad&01-06-2013 dh frfFk vafdr gSA blls izrhr gksrk gS fd mRrjoknh dz-1@ifjoknh us vihykFkhZ@vukosnd dz-3 ba';ksjsal daiuh dks fnukad&01-06-2013 dks pksjh laca/kh ?kVuk dh tkudkjh izLrqr fd;k Fkk tks fd ?kVuk fnukad ls yxHkx Ms<+ ekg Ik'pkr~ fn;k x;k gS vkSj blds laca/k esa mRrjoknh dz-1@ifjoknh }kjk tks Li"Vhdj.k fn;k x;k gS og fo'oluh; ,oa Lohdkj ;ksX; ugha gSA 17- Jaspal Kaur & Anr. vs. New India Assurance Company Limited, II (2015) CPJ 727 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "3. We are of the considered view that the order passed by the State Commission cannot be faulted.
State Consumer Disputes Redressal Commission Cites 18 - Cited by 0 - Full Document

Dwarika Projects Ltd. vs The Oriental Insurance Company Ltd. on 8 May, 2015

10. On the other hand, Mr. Seth, argued that the final repudiation communicated to the petitioner vide letter dated 30.09.2013 had to be sustained in view of the subsistence of clause 5 of the GC contained in the policy. The learned counsel for the respondent, with all vehemence at his command, argued that delay in intimation beyond 14 days of the occurrence of the event of loss, was fatal to the petitioner's claim. The learned counsel relied upon, for this purpose, on the decision of the National Consumer Disputes Redressal Commission (in short the Commission) dated 04.12.2014, passed in Revision Pet. No.3049/2014, titled : HDFC Egro General Insurance Co. Ltd. Vs. Bhagchand Saini.
Delhi High Court Cites 7 - Cited by 2 - R Shakdher - Full Document

Malkit Singh vs M/S Reliance General Insurance Co. Ltd on 25 April, 2016

31. Ld. counsel for defendant has also relied upon the case of National Consumer Disputes Redressal Commission New Delhi in titled "HDFC Ergo General Insurance Co. Ltd. (appellant) Vs. Bhagchand Saini (respondent) Revision Petition No. 3049 of 2014 and IA/4956/2014 date of decision 04.12.2014" in that case the tractor in question was stolen on 06.12.2011 and intimation about the theft was given to the local police on 08.12.2011 i.e. 02 days after the incident. The intimation was given to the insurance company after a gap of 98 days. The revision petition was accepted and claim of the complainant for was rejected.
Delhi District Court Cites 4 - Cited by 0 - Full Document
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