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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;&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;&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.
Supreme Court of India Cites 3 - Cited by 40 - A Pasayat - Full Document

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. "
National Consumer Disputes Redressal Cites 1 - Cited by 13 - Full Document

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."
National Consumer Disputes Redressal Cites 1 - Cited by 9 - Full Document

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.
Supreme Court of India Cites 4 - Cited by 297 - M M Punchhi - Full Document
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