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1 - 10 of 18 (0.27 seconds)National Insurance Co. Ltd vs Savitri Devi & Ors on 27 April, 2012
Therefore, in Savitri Devi (supra), the
complainant was being used predominantly for carrying passengers at
the time it met with an accident whereas it was being used primarily for
carrying goods in B.V. Nagaraju (supra) when it met with the
accident."
National Insurance Company Ltd vs Meena Aggarwal on 23 January, 2009
i{kdkjksa ds vf/koDrk
vihykFkhZ dh vksj ls Jh ih- ds- ikWy] vf/koDrkA
mRrjoknh dh vksj ls Jh eathr flag HkkfV;k] vf/koDrkA
vkns'k
fnukad% 08@09@2017
}kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k
vihykFkhZ@vukosnd us ;g vihy /kkjk&15 miHkksDrk laj{k.k
vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje]
jktukanxkao ¼N-x-½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k
tk,xk½ ds ifjokn izdj.k dzekad&23@2016 fd'kksj ijekj fo:} 'kk[kk
izca/kd] us'kuy ba';ksjsal daiuh fyfeVsM esa ikfjr vkns'k
fnukad&29@03@2017 ftlds }kjk mRrjoknh@ifjoknh ds ifjokn dks
Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd%&
// 2 //
**1- vkns'k fnukad ls ,d ekg ds Hkhrj vukosnd chek
daiuh] ifjoknh dks {kfriwfrZ jkf'k&4]49]980@&¼pkj yk[k
mupkl gtkj ukS lkS vLlh :Ik;s½ ,oa mDr jkf'k ij
ifjokn izLrqfr fnukad&05-02-2016 ls Hkqxrku frfFk rd
06 izfr'kr okf"kZd dh njls C;kt lfgr Hkqxrku djsxkA
2- vkns'k fnukad ls ,d ekg ds Hkhrj vukosnd chek
daiuh] ifjoknh dks ekufld {kfriwfrZ ds en esa
10]000@&¼nl gtkj :Ik;s½ rFkk oknO;; ds :Ik esa
2]000@&¼nks gtkj :Ik;s½ dk Hkqxrku djsxkA**
ls nqf[kr gksdj izLrqr fd;k gSA
02- mRrjoknh@ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa
bl++ izdkj jgk gS fd mRrjoknh@ifjoknh us ,d okgu egsUnzk ,.M
egsUnzk cksysjks dz-&lh-th- 08ds@1385 pksyke.Mye buosLVesaV ,.M
Qk;usal daiuh] 'kk[kk jktukanxkao ls Qk;usal djok dj dz; fd;k Fkk
ftldk mi;ksx mRrjoknh@ifjoknh }kjk Lo;a vius ,oa ifjokj ds futh
mi;ksx gsrq fd;k tkrk jgk gSA mDr okgu dk chek
vihykFkhZ@vukosnd ls fnukad&09-10-2013 ls 08-10-2014 rd dh vof/k
gsrq 4]99]975@&¼pkj yk[k fuU;kucs gtkj ukS lkS ipgRrj :Ik;s½ gsrq
djok;k Fkk ftldk ikWfylh ua-&285202@31@13@6100006679 gSA
mDr okgu dk pkyd ihVj Fkk tks mRrjoknh@ifjoknh o mlds ifjokj
dks okgu ls dgha vkus&tkus dh fLFkfr esa mDr okgu dks okgu pkyd
ihVj }kjk pyk;k tkrk FkkA fnukad&03-10-2014 dks okgu pkyd ihVj
// 3 //
}kjk n'kgjk gksus ds dkj.k okgu dks /kksus ds fy, ,oa vius ifjokj dks
n'kgjk fn[kkus ds fy, okgu vius ?kj ys tk;k x;k Fkk ,oa fnukad&05-
10-2014 dks jkr esa mDr okgu dks vius ?kj ds ikl iw.kZ lqj{kk esa
lqjf{kr LFkku esa okgu dks ykWd dj j[kk x;k FkkA nwljs fnu lqcg
yxHkx 6%00 cts okgu pkyd ihVj }kjk ns[kus ij Kkr gqvk fd okgu
ogka ij ugha Fkk] mls jkf= esa dksbZ vKkr pksj pksjh dj ys x;k FkkA
okgu ds ewy nLrkost Hkh okgu esa j[ks x, FksA chek vof/k esa okgu pksjh
gks tkus ds dkj.k mRrjoknh@ifjoknh }kjk vihykFkhZ@vukosnd ds
le{k fnukad&07-10-2014 dks eksVj nkok izi= izLrqr fd;k x;k ftl ij
dk;Zokgh djrs gq, vihykFkhZ@vukosnd }kjk losZ;j fu;qDr fd;k x;kA
okgu ds pksjh gks tkus ds laca/k esa iqfyl Fkkuk Mksaxjx<+ }kjk Hkkjrh;
n.M lafgrk dh /kkjk&379 ds rgr vKkr pksj ds fo:} vijk/k dz-&
366@2014 ntZ dj foospuk esa fy;k x;kA vihykFkhZ@vukosnd }kjk
le;≤ ij ftu&ftu nLrkostksa ,oa tkudkjh dh ekax dh xbZ mUgsa
mRrjoknh@ifjoknh }kjk iznku dh xbZ ,oa okgu pkyd ihVj dk c;ku
Hkh fy;k x;k rFkk mRrjoknh@ifjoknh }kjk vihykFkhZ@vukosnd ds
leLr funsZ'kksa dk ikyu fd;k x;k fdUrq mlds ckn Hkh
vihykFkhZ@vukosnd }kjk mRrjoknh@ifjoknh dks chek nkok jkf'k dk
Hkqxrku ugha fd;k x;k vkSj fnukad&15-04-2015 dks mRrjoknh@ifjoknh
dks i= izsf"kr dj mRrjoknh@ifjoknh dk nkok feF;k vk/kkj ij fujLr
djus dh lwpuk nh xbZ fd ?kVuk fnukad dks okgu dk mi;ksx chek
'krksZ ds foijhr fdjk, ij fd;k tk jgk FkkA mRrjoknh@ifjoknh }kjk
mDr okgu ds pksjh gksus ds laca/k esa iqfyl Fkkuk Mksaxjx<+ ,oa
// 4 //
vihykFkhZ@vukosnd dks vfoyac lwpuk nh xbZ Fkh vkSj okgu dks fdlh
izdkj ls vlqjf{kr :Ik ls ugha j[kk x;k Fkk vkSj uk gh
mRrjoknh@ifjoknh }kjk mDr okgu futh iz;ksx ls fHkUu mi;ksx fd;k
tk jgk Fkk fdUr fQj Hkh vihykFkhZ@vukosnd }kjk chek fofu;ked ,oa
fodkl izkf/kdj.k }kjk le;≤ ij fn, x, funsZ'kksa dh vogsyuk
djrs gq, nkok dk Hkqxrku uk dj lsok esa deh fd;k gSA
mRrjoknh@ifjoknh }kjk vihykFkhZ@vukosnd dks vius vf/koDrk ds
ek/;e ls uksfVl izsf"kr fd;k x;kA mlds ckn Hkh nkok jkf'k dk Hkqxrku
ugha fd;k x;k ftlds dkj.k mRrjoknh@ifjoknh dks ;g ifjokn ykus
dh vko';drk iM+h gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k
fnykbZ tkosA
03- vihykFkhZ@vukosnd dh vksj ls ftyk Qksje ds le{k fyf[kr
dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd okgu efgUnzk ,.M
efgUnzk cksysjks dz-&lh-th- 08 ds@1385 dk chek vihykFkhZ@vukosnd
}kjk chek ikWfylh dz-&285202@31@13@6100006679 ds ek/;e ls
fnukad&09-10-2013 ls fnukad&08-10-2014 rd dh e/; jkf= ds fy,
chek ikWfylh dh fu;e ,oa 'krksZa ds varxZr izkbosV okgu ds :Ik esa fd;k
x;k FkkA mRrjoknh@ifjoknh ds nkos dks vihykFkhZ@vukosnd chek
daiuh }kjk chek ikWfylh dh 'krZ ds varxZr chfer okgu dk futh
mi;ksx uk dj fdjk;s ls ;k=h ifjogu gsrq fd, tkus ds dkj.k fujLr
fd;k x;k gS vkSj mlh lwpuk fnukad&15-04-2015 ds i= }kjk
mRrjoknh@ifjoknh dks nh xbZ gSA vihykFkhZ@vukosnd chek daiuh ds
// 5 //
}kjk vUos"kd d`".k dqekj th- vkj- ds ek/;e ls mRrjoknh@ifjoknh ds
okgu pksjh pys tkus ds laca/k esa vUos"k.k djok;k Fkk vkSj vUos"k.k esa
?kVuk ls lacaf/kr izFke lwpuk izfrosnu bR;kfn nLrkost izkIr fd, x,
Fks ftlesa okgu ds pksjh pys tkus ds mijkar fnukad&05-10-2014 dks
okgu ds pkyd ihVj frXxk ds }kjk ntZ djok;s x;s izFke lwpuk
izfrosnu ds fooj.k esa Li"V :Ik ls mYys[k gS fd eSa jtkuxj] Fkkuk
Mksaxjx<+ ds ihNs jgrk gWaw] Mªk;ojh djrk gWw] orZeku easa Mksaxjx<+
dkydkikjk fuoklh fd'kksj ijekj ds ckysjks okgu uacj&lh-th- 08
ds@1385 dk fnukad&17-08-2014 ls pyk jgk Fkk] cksysjks okgu vDlj
cqfdax esa tkrh gS vr% cqfdax ls okil vkus ij cksysjks dks vius ?kj ds
lkeus [kM+h djrk Fkk] dy fnukad&04-10-2014 dks cqfdax esa xkM+h ysdj
jktukanxkao x;k FkkA bl izdkj Li"V gS fd mRrjoknh@ifjoknh okgu
dk mi;ksx fdjk;s ls ;k=h ifjogu gsrq okf.kfT;d iz;kstu gsr fd;k
tkrk jgk gS tks fd chek 'krksZa dk mYya?ku gksus ds dkj.k
vihykFkhZ@vukosnd fdlh Hkh izdkj dh {kfriwfrZ ds fy, nkf;Rok/khu
ugha gSA mRrjoknh@ifjoknh dh vksj ls vius okgu dks leqfpr lqj{kk
O;oLFkk ds vHkko esa j[ks tkus ds dkj.k gqbZ ?kVuk ds fy, Lo;a
mRrjoknh@ifjoknh mRrjnk;h gSA vihykFkhZ@vukosnd fdlh Hkh izdkj
dh {kfriwfrZ ds fy, nkf;Rok/khu ugha gSA vihykFkhZ@vukosnd }kjk lsok
esa dksbZ deh ugha dh xbZ gSA mRrjoknh@ifjoknh dksbZ vuqrks"k izkIr
djus dk vf/kdkjh ugha gSA vr% mRrjoknh@ifjoknh dk ifjokn lO;;
fujLr fd;k tkosA
// 6 //
04- mRrjoknh@ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje
ds le{k lfVZfQdsV vkWQ jftLVªs'ku dh Nk;kizfr ¼nLrkost dz-1½]
lfVZfQdsV vkWQ ba';ksjsal dh Nk;kizfr ¼nLrkost dz-2½] lhfu;j
fMfotuy eSustj@czkap eSustj }kjk lhfu;j fMfotuy eSustj@czkap
eSustj dks izsf"kr i= fnukad&07-10-2014 ,oa eksVj Dyse QkeZ dh
Nk;kizfr ¼nLrkost dz-3½] mRrjoknh@ifjoknh }kjk {ks=h; ifjogu
vf/kdkjh dks izsf"kr i= fnukad&08-10-2016 dh Nk;kizfr ¼nLrkost dz-4½]
vihykFkhZ@vukosnd }kjk mRrjoknh@ifjoknh dks izsf"kr i= fnukad&15-
04-2015 dh Nk;kizfr ¼nLrkost dz-5½] vf/koDrk uksfVl fnukad&26-05-
2015 dh Nk;kizfr ¼nLrkost dz-6½] iksLVy jlhn fnukad&26-05-2015 dk
vly ¼nLrkost dz-7½] izkfIr Lohd`fr jlhn dk vly ¼nLkrost dz-&8½]
vf/koDrk uksfVl fnukad&14-08-2015 dh Nk;kizfr ¼nLrkost dz-9½]
iksLVy jlhn fnukad&14-08-2015 dk vly ¼nLrkost dz-&10½] izkfIr
Lohd`fr jlhn dk vly ¼nLrkost dz-11½] pksyke.Mye buosLVesaV ,.M
Qk;usal daiuh fyfeVsM }kjk mRrjoknh@ifjoknh dks izsf"kr i=
fnukad&01 uoacj 2016 ,oa QkeZ&35 dh Nk;kizfr ¼nLrkost dz-12½
izLrqr fd;k gSA
05- vihykFkhZ@vukosnd dh vksj ls vius i{k leFkZu esa ftyk Qksje
ds le{k izFke lwpuk izfrosnu dh Nk;kizfr ,oa lfVZfQdsV vkWQ ba';ksjsal
dh Nk;kizfr izLrqr fd;k gSA
06- mHk;i{k }kjk izLrqr vfHkopu ,oa mRrjoknh@ifjoknh }kjk izLrqr
nLrkosth lk{;ksa ds ifj'khyu Ik'pkr~ ftyk Qksje us vkns'k ikfjr djrs
// 7 //
gq, mRrjoknh@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
07- vihykFkhZ@ifjoknh dh vksj ls milatkr gksus okys fo}ku
vf/koDrk Jh ih- ds- ikWy dk rdZ gS fd mRrjoknh@ifjoknh us izkbosV
dkj iSdst ikWfylh izkIr fd;k Fkk tcfd okgu dks O;kolkf;d Ikz;kstu
ds fy, mi;ksx esa yk;k tk jgk Fkk rFkk mRrjoknh@ifjoknh us okgu
dk chfer ewY; izFke lwpuk i= esa 2]00]000@&¼nks yk[k :Ik;s½ ?kksf"kr
fd;k Fkk] mlds ckn Hkh ftyk Qksje }kjk 4]49]980@&¼pkj yk[k
mupkl gtkj ukS lkS vLlh :Ik;s½ iznku fd;k gS] chfer ewY; ds gzkl
jkf'k dk mYys[k ugha fd;k gSA pkyd ds ikl oS/k ,oa izHkkoh MªkbZfoax
ykbZlsal ugha FkkA mRrjoknh@ifjoknh us okgu dks vlqjf{kr voLFkk esa
NksM+k Fkk tks fd chek 'krksZa dk mYya?ku gS] ijUrq ftyk Qksje us bu lc
rF;ksa dks /;ku esa ugha fn;k gS vkSj =qfViw.kZ vkns'k ikfjr fd;k gSA vr%
vihykFkhZ@vukosnd dh vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk
ikfjr vkyksP; vkns'k vikLr djrs gq, ifjokn fujLr fd;k tkosA
vihykFkhZ@vukosnd us vius rdZ ds leFkZu esa National Insurance Co.
Ltd. Vs. Meena Aggarwal 2009 ACJ 66 (SC), Rajesh Kumar Vs. National
Insurance Company Ltd. & Ors. III (2017) CPJ 214 (NC), T. N. Das Vs.
Oriental Insurance Co. Ltd. & Ors. IV (2012) CPJ 438 (NC), Regional
Manager, Oriental Insurance Co. Ltd. & Another Vs. Pramod Kumar
Nahak 2013 (1) C.G.L.J. 1 (CCC), Kulwant Singh Vs. United India
Insurance co. Ltd. IV (2014) CPJ 350 (NC), New India Assurance
Company Ltd. Vs. Trilochan Jane IV (2012) CPJ 441 (NC), Prabhat
// 8 //
Khanna (Deceased) Thr. Lrs.
S.G Shivamurtheppa vs Reliance General Insurance Co. Ltd. on 28 November, 2011
16- S.G. Shivamurtheppa vs Reliance General Insurance Company
Limited I (2012) CPJ 175 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g
fu/kkZfjr fd;k x;k gS fd%&
"Motor vehicle was registered for carriage of passengers not
exceeding to 12 - At time of accident, vehicle was instead carrying 16
persons - There was explicit and admitted violation of condition of
insurance policy and so, claim rightly repudiated by Insurance
Company. "
T.N. Das vs Oriental Insurance Co. Ltd. on 7 September, 2012
17. T.N. Das Vs. Oriental Insurance Company Limited & Ors. (Supra)
esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%&
"2. ........ the said vehicle was used for hire or reward at the
relevant time and owner of the vehicle had parted away with the
possession of the vehicle without intimating the Insurance Company
and hence the Insurance Company was not liable to pay any amount by
way of compensation to the petitioner / complainant on account of
damages to the insured vehicle in the road accident. After hearing the
parties and considering the documents placed before it, the District
Forum agreed with the defence taken by the Insurance Company that
the insured vehicle was taken on hire or reward by the Government and
dismissed the complaint by the impugned order. As stated above, the
State Commission vide its impugned order also upheld the order of the
District Forum and dismissed the appeal of the petitioner."
B.V. Nagaraju vs M/S. Oriental Insurance Co. ... on 20 May, 1996
A perusal of the decision of
the Hon'ble Apex Court in B.V. Nagaraju (supra) would show that at
the time the vehicle met with an accident, it was carrying not only 9
persons including the driver of the vehicle but also the goods belonging
to the persons who were travelling in the vehicle. The fact that the
vehicle was carrying only the goods and the owners of those goods
// 16 //
clearly shows that primarily it was being used as a goods carrying
vehicle and not as a passenger vehicle. The learned counsel for the
petitioner draws my attention to para 7 of the decision whether the
Hon'ble Apex Court interalia observed that the workmen who were
travelling in the vehicle are assumed not to have increased any risk
from the point of view of the insurance company on occurring of an
accident and therefore, they could not have contributed to the causing
of the accident. It was also noticed by the Hon'ble Apex Court that it
was not the case of anybody that the driver was responsible for the
accident.