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1 - 10 of 18 (0.41 seconds)The Consumer Protection Act, 1986
Consumer Protection Act, 2019
New India Assurance Co. Ltd. vs Bhika Khan on 29 May, 2012
// 12 //
19- New India Ansurance Co. Ltd. Vs. Bhika Khan, III (2012) CPJ
620 (NC), eas ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS
fd%&
"7.
M/S. Royal Goods Transport Co. vs National Insurance Co. Ltd. & Anr. on 29 August, 2016
// 13 //
20- M/s Royal Goods Transport Co. Vs. National Insurance Co. Ltd.
& Anr. 2016 (3) CPR 628 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g
fu/kkZfjr fd;k x;k gS fd%&
"Consumer Protection Act, 1986- Sections 15, 17, 19 and 21-
Insurance- Vehicle insurance- Damage to vehicle in accident- Non
possession of valid and effective driving licence constitutes a
fundamental breach of terms an conditions of policy and claim was not
payable- There is no justification for allowing complaint because
licence produced by driver of vehicle has been found to be a fake
document on investigation- Revision petition dismissed."
Tirupati Transport Corporation vs Oriental Insurance Company Limited on 25 August, 2015
21- Tirupati Transport Corporation Vs. Oriental Insurance Company
Limited, I (2016) CPJ 12 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g
fu/kkZfjr fd;k x;k gS fd%&
"Consumer Protection Act, 1986- Section 2 (1) (g), 21 (b)- Insurance-
Accident of vehicle- Driving licence- Invalid- Violation of policy
condition- Claim repudiated- Alleged deficiency in service- District
Forum dismissed complaint- State Commission dismissed appeal-
Hence revision- Whereever insured himself is claimant, Insurance
Company not liable to reimburse him for damage caused to vehicle, if
it is found that driver of vehicle did not possess valid licence at time of
accident- Repudiation justified."
Section 2 in The Motor Vehicles Act, 1988 [Entire Act]
Section 15 in The Motor Vehicles Act, 1988 [Entire Act]
Parasnath Jha vs Oriental Insurance Company Limited on 9 January, 2018
i{kdkjksa ds vf/koDrk
vihykFkhZ dh vksj ls Jh ,e- ,y- vxzoky] vf/koDrkA
mRrjoknh dh vksj ls Jh ,y- Mh- iVsy] vf/koDrkA
vkns'k
fnukad% 22@02@2017
}kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k
vihykFkhZ us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e]
1986] ds rgr ftyk miHkksDrk fookn izfrrks"k.k Qksje] vfEcdkiqj]
ljxqtk ¼N-x-½ ¼ftls vkxs laf{kIr esa **ftyk Qksje** lacksf/kr fd;k
tk,xk½ ds ifjokn izdj.k dzekad&152@2016 eks- vkscsnqYyk [kku fo:}
e.My izca/kd] ;qukbZVsM bafM;k ba';ksjsal daiuh fyfeVsM esa ikfjr vkns'k
fnukad&03-07-2017 ftlds }kjk ifjoknh ds ifjokn dks Lohdkj djrs gq,
;g vknsf'kr fd;k x;k gS fd%&
// 2 //
**d- vukosnd ,d ekg ds Hkhrj 64]960@&¼pkSalB gtkj
ukS lkS lkB :Ik;s½ ifjoknh dks lank; dj nsos rFkk mDr
jkf'k ij vkosnu fnukad&21-11-2016 ls 6 ¼N%½ izfr'kr
okf"kZd dh nj ls C;kt Hkh lank; djsA
[k- vukosnd Lo;a ds rFkk ifjoknh dk ifjokn O;;
2]000@&¼nks gtkj :Ik;s½ ogu djus ds lkFk&lkFk
ekufld O;Fkk gsrq 2]000@&¼nks gtkj :Ik;s½ ifjoknh dks
lank; 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 ifjoknh us vius LokfeRo dh VkVk Vªd dzekad&lh-
th- 16,@2440 dk chek vukosnd ls fnukad&27-12-2014 dks
30]028@&¼rhl gtkj vV~BkbZl :Ik;s½ izhfe;e vnk dj djk;k Fkk
ftldk ikWfylh dzekad&2704013114 ih 107952161 Fkk tks fnukad&27-
12-2014 ls 26-12-2015 rd ds fy, oS/k FkkA fnukad&21-10-2015 dks
mDr Vªd xzke ygiVjk ds ikl lkeus ls vk jgh vfu;af=r okgu ls
cpus esa jksM fdukjs dh feV~Vh ls Vdjkdj nq?kZVukxzLr gks xbZ ftldh
lwpuk vukosnd dks rRdky fnukad&23-10-2015 dks nh xbZ ftl ij
vukosnd ds }kjk vius losZ;j ds ek/;e ls nq?kZVukxzLr Vªd dk
voyksdu djk;k x;kA ifjoknh }kjk nq?kZVukxzLr Vªd dk ejEer lqfer
ckWMh xSjst] vfEcdkiqj esa djk;k x;k ftldh ejEer ,oa {kfrxzLr ikVZ~l
dks cnyus esa dqy&1]61]500@&¼,d yk[k bdlB gtkj ikap lkS :Ik;s½
dk O;; gqvkA ifjoknh }kjk fnukad&17-11-2015 dks eksVj nkok izi=
// 3 //
Hkjdj leLr nLrkostksa lfgr vukosnd dk;kZy; esa izLrqr fd;k x;k
ftls vukosnd }kjk cxSj lE;d tkap&iM+rky fd, iw.kZr% vlaoS/kkfud
,oa fof/k fo:} :Ik ls ;g dgrs gq, fd nq?kZVuk ds le; pkyd ds
ikl oS/k ,oa fof/kekU; ykbZlsal ugha Fkk] fujLr dj fn;k x;kA ifjoknh
us Vªd pkyd lTtkn ds MªkbZfoax ykbZlsal dks ns[kdj lgh izrhr gksus
ij rFkk mls Vªd pyokdj ns[kus ij mlds }kjk dq'kyrkiwoZd Vªd pyk
ysus ds vk/kkj ij mls vius Vªd dk pkyd fu;qDr fd;k Fkk vkSj
ifjoknh ds ikl mlds MªkbZfoax ykbZlsal dks voS/k ekuus dk dksbZ dkj.k
miyC/k ugha FkkA ,slh fLFkfr esa ;fn mlds ikl oS/k ,oa fof/kekU;
ykbZlsal ugha Hkh Fkk rks mlds fy, ifjoknh dks ftEesnkj ugha Bgjk;k tk
ldrkA ifjoknh ds }kjk vius vf/koDrk ds ek/;e ls vukosnd dks
uksfVl izsf"kr dh xbZ fdUrq vukosnd }kjk dksbZ dk;Zokgh ugha dh xbZ
ftlds dkj.k 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 eky okgd Vªd
dzeakd&lh-th- 16 ,@2440 dk chek] chek ikWfylh ds 'krksZa ds rgr
ifjoknh ds uke ls fnukad&27-12-2014 ls 26-12-2015 rd vukosnd ls
chfer gSA nq?kZVuk dh lwpuk izkIr gksrs gh vukosnd }kjk okgu dh {kfr
dk vkadyu losZ;j ih- ds- vxzoky ls djk;k x;k ftUgksaus okgu dh {kfr
dk vkadyu dj okLrfod {kfr jde 64]960@&¼pkSalB gtkj ukS lkS
// 4 //
lkB :Ik;s½ crk;k gS] ijUrq ifjoknh }kjk chek ikWfylh dk ?kksj mYya?ku
fd;k x;k gS blfy, losZ;j }kjk fu/kkZfjr jde vFkok fdlh Hkh izdkj
dh jde ifjoknh] vukosnd ls izkIr djus dk vf/kdkjh ugha gSA nq?kZVuk
ds le; chfer okgu dk pkyu djus okys pkyd lTtkn valkjh dk
pkyd vuqKfIr i= dzekad&lh-th-1520070008172 dk lR;kiu vukosnd
}kjk vUos"kd ds ek/;e ls djk;k gS ftlls LFkkfir gqvk gS fd mijksDr
pkyd vuqKfIr i= mijksDr pkyd gsrq ifjogu vf/kdkjh }kjk tkjh
ugha fd;k x;k gSA bl izdkj pkyd ds ikl oS/k o izHkkoh pkyd
vuqKfIr i= chfer okyu pykus gsrq ugha Fkk ftlds dkj.k ifjoknh ds
nkok dks fujLr fd;k x;k gSA vukosnd }kjk lsok esa dksbZ deh ugha dh
xbZ gSA ifjoknh] vukosnd ls dksbZ vuqrks"k izkIr djus dk vf/kdkjh ugha
gSA vr% ifjoknh dk ifjokn lO;; fujLr fd;k tkosA
04- mRrjoknh@ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje
ds le{k Lo;a dk 'kiFk&i= rFkk lfVZfQdsV vkWQ jftLVªs'ku dh
Nk;kizfr (Annexure A-1)] lfVZfQdsV vkWQ fQVusl dh Nk;kizfr
(Annexure A-2)] eky ;ku vuqKki= dh Nk;kizfr (Annexure A-3)] chek
ikWfylh dh Nk;kizfr (Annexure A-4)] xq:ukud eksVj LVkslZ dk eS'k eseks
fnukad&14-11-2015 dh Nk;kizfr (Annexure A-5)] laryky iV~Vk odZ'kkWi
,oa fjis;fjax dk fcy dh Nk;kizfr (Annexure A-6)] lkchj vkVks
bysfDVªd ,oa cSVjh odZ dk fcy fnukad&14-11-2015 dh Nk;kizfr
(Annexure A-7)] ckcw jsfM;sVj odZ 'kkWi dk dS'k eseks fnukad714-11-2015
// 5 //
dh Nk;kizfr (Annexure A-8)] lqfer ckWMh xSjst dk dS'k eseks fnukad&14-
11-2015 ,oa 23-10-2015 dh Nk;kizfr (Annexure A-9)] eksVj nkok izi=
dh Nk;kizfr (Annexure A-10)] vukosnd }kjk Jh vks- ih- xqIrk vf/koDrk
dks izsf"kr i= fnukad&28-10-2016 dk vly (Annexure A-11)] vf/koDrk
uksfVl fnukad&22-10-2016 dh Nk;kizfr (Annexure A-12)] okgu nq?kZVuk
dh lwpuk dh Nk;kizfr (Annexure A-13) rFkk nkok fujLrh i=
fnukad&31-08-2016 dk vly (Annexure A-14) izLrqr fd;k gSA
05- vihykFkhZ@vukosnd dh vksj ls vius i{k leFkZu esa ftyk Qksje
ds le{k th- ih- cM+k e.My izca/kd] ih- ds- vxzoky losZ;j] vuwi esgrk
vUos"kd dk 'kiFk&i= rFkk vf/koDrk uksfVl dk tokc fnukad&28-10-
2016 dh Nk;kizfr (Annexure D-1)] nkok fujLrh i= dh Nk;kizfr
(Annexure D-2)] chek ikWfylh dh Nk;kizfr (Annexure D-3)] okgu
nq?kZVuk dh lwpuk ,oa eksVj nkok izi= dh Nk;kizfr (Annexure D-4)]
losZ fjiksVZ fnukad&16-11-2015 dh Nk;kizfr (Annexure D-5)] MªkbZfoax
ykbZlsal dk lR;kiu izfrosnu dh Nk;kizfr (Annexure D-6) izLrqr fd;k
gSA
06- mHk;i{k dh vksj ls izLrqr vfHkopu ,oa nLrkosth lk{;ksa ds
ifj'khyu Ik'pkr~ ftyk Qksje us vkns'k ikfjr djrs gq, ifjoknh ds
ifjokn dks Lohdkj djrs gq, Åij dafMdk&1 esa of.kZr vuqlkj vuqrks"k
iznku fd;k gS ftldss fo:} ;g vihy gSA
// 6 //
07- vihykFkhZ@vukosnd dh vksj ls milatkr gksus okys fo}ku
vf/koDrk Jh ,e- ,y- vxzoky dk rdZ gS fd ftyk Qksje dk vkns'k
iw.kZr% =qfViw.kZ gSA vukosnd }kjk ykbZlsal/kkjh losZ;j ls losZ djk;k x;k
Fkk ftlus {kfriwfrZ dk vkadyu 64]960@&¼pkSalB gtkj ukS lkS lkB
:Ik;s½ fd;k Fkk vkSj mDr jkf'k dks ifjoknh rHkh izkIr djus dk vf/kdkjh
Fkk tc og chek 'krksZa dk mYya?ku ugha djrkA bl izdj.k esa ifjoknh us
vius okgu pkyd lTtkn valkjh dk tks MªkbZfoax ykbZlsal izzLrqr fd;k
gS] mldk lR;kiu vUos"kd ds ek/;e ls djk;k x;k rks ifjogu
dk;kZy; ls tkudkjh izkIr gqvk Fkk fd mDr MªkbZfoax ykbZlsal ifjogu
dk;kZy; ls lTtkn valkjh ds uke ls tkjh gh ugha fd;k x;k gS vkSj
bl izdkj nq?kZVuk ds le; ifjoknh dk tks pkyd Fkk mlds ikl oS/k
,oa izHkkoh MªkbZfoax ykbZlsal ugha Fkk vkSj ifjoknh }kjk chek 'krksZa dk
mYya?ku fd;k x;k gS vkSj lkFk gh lkFk eksVj ;ku vf/kfu;e dk Hkh
mYya?ku gS blfy, ifjoknh fdlh izdkj dh {kfriwfrZ izkIr djus dk
vf/kdkjh ugha gS] ijUrq ftyk Qksje us bu lc rF;ksa dks /;ku fn, fcuk
gh =qfViw.kZ vkns'k ikfjr fd;k gSA vr% vukosnd dh vihy Lohdkj
fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k
tkosA vukosnd dh vksj ls vius rdZ ds leFkZu esa ;qukbZVsM bafM;k
ba';ksjsal daiuh fyfeVsM cuke nfoUnj flag 2008 (II) nq- eq- iz- 484 ¼m-
U;k-½ dk voyacu fy;k gSA
// 7 //
08- mRrjoknh@ifjoknh dh vksj ls milatkr gksus okys fo}ku
vf/koDrk Jh ,y- Mh- iVsy dk rdZ gS fd ftyk Qksje dk vkns'k iw.kZr%
mfpr ,oa fof/k lEer gSA ifjoknh us pkyd ds MªkbZfoax ykbZlsal ds
vk/kkj ij mls fu;qDr fd;k Fkk vkSj nq?kZVuk ds le; pkyd ds ikl
oS/k ,oa izHkkoh MªkbZfoax ykbZlsal Fkk vkSj vukosnd ds losZ;j us gh {kfr
dk vkadyu fd;k Fkk ftlds vk/kkj ij ftyk Qksje }kjk {kfriwfrZ dh
jkf'k iznku fd;k x;k gSA ftyk Qksje ds vkns'k esa fdlh izdkj dh
vfu;ferrk ,oa voS/kkfudrk ugha gSA vr% vukosnd dh vihy fujLr
fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k dks ;Fkkor~ j[kk
tkosA
09- 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;k
x;kA
10- ;g Lohd`r gS fd ifjoknh okgu VkVk Vªd dzekad&lh-th-
16,@2440 dk iathd`r Lokeh Fkk vkSj ftldh iqf"V ifjoknh dh vksj ls
izLrqr lfVZfQdsV vkWQ jftLVªs'ku ¼,usD'pj ,&1½ ls Hkh gksrk gSA
ifjoknh dh vksj ls lfVZfQdsV vkWQ fQVusl ¼,usD'pj ,&2½] eky ;ku
vuqKk&i= ¼,usD'pj ,&3½ rFkk ikWfylh 'ksM~;wy ¼,usD'pj ,&4½ Hkh
izLrqr fd;k gSA bu nLrkostksa ds ifj'khyu ls Li"V gS fd ifjoknh mDr
okgu dk iathd`r Lokeh Fkk rFkk mDr okgu vukosnd ds ikl
// 8 //
fnukad&27-12-2014 ls ysdj fnukad&26-12-2015 rd dh vof/k ds fy,
chfer FkkA
11- ifjoknh ds vuqlkj fnukad&21-10-2015 dks okgu ygiVjk ds ikl
nq?kZVukxzLr gks xbZ Fkh ftldh lwpuk rRdky vukosnd dks nh xbZ FkhA
vukosnd us vius fyf[kr dFku esa Li"V :Ik ls crk;k gS fd ifjoknh ds
}kjk lwpuk izkIr gksus ij losZ;j fu;qDr fd;k x;k FkkA bl izdkj okgu
nq?kZVuk gksuk Hkh lkfcr gSA
12- bl izdj.k esa vukosnd }kjk ;g cpko fy;k x;k gS fd Vªd
pkyd ds ikl nq?kZVuk fnukad dks oS/k ,oa izHkkoh MªkbZfoax ykbZlsal ugha
FkkA pkyd lTtkn valkjh ds pkyd vuqKfIr i=
dzekad&CG1520070008172 dk lR;kiu djk;s tkus ij og MªkbZfoax
ykbZlsal ifjogu vf/kdkjh }kjk tkjh fd;k tkuk ugha ik;k x;k FkkA
vukosnd dh vksj ls Jh vuwi esgrk dk vUos"k.k fjiksVZ ¼izn'kZ Mh&6½
rFkk NRrhlx<+ VªkaliksVZ fMikVZesaV dk QkeZ&6 esa nh xbZ tkudkjh ¼izn'kZ
Mh&6@ii½ rFkk Oghdy ifVZdqylZ ¼izn'kZ Mh&6@v½ izLrqr fd;k x;k gSA
13- vUos"kd Jh vuwi esgrk us viuh fjiksVZ esa ;g crk;k gS fd
**ifjogu dk;kZy; vfEcdkiqj esa ykbZlsal dzekad&CG1520070008172 dk
dksbZ fjdkMZ dEI;qVjkbZTM fjdkMZ esa ntZ ugha gSA ykbZlsaflax vf/kdkjh]
vfEcdkiqj ds }kjk mDr pkyd ds ewy ykbZlsal dh ekax dh tk jgh gS
,oa vuqKfIr ifVZdqyj gsrq izLrqr vkosnu ij ;g Vhi vafdr fd;k x;k
// 9 //
gSA pkyd ds vuqKfIr dzekad ds vk/kkj ij NRrhlx<+ ifjogu foHkkx
ds bZ&lsok osclkbZV ij lpZ djus ij Hkh *uks fjdkMZ QkmaM* dk Vhi vk
jgk gS rFkk tks pkyd vuqKfIr nkok izdj.k esa izLrqr dh x;h gS ml
ij okgu pkyd dk gLrk{kj eks- lTtkd ntZ gS tcfd vuqKfIr ltr
valkjh ds uke ls tkjh gS vkSj blds vk/kkj ij izrhr gksrk gS fd
MªkbZfoax ykbZlsal dwVjfpr gSA** izn'kZ Mh&6@iii esa ;g Li"V :Ik ls
fy[kk gS fd MªkbZfoax ykbZlsal dzekad&CG1520070008172 ds laca/k esa
dksbZ fjdkMZ ugha ik;k x;k gSA izn'kZ Mh&6@iv dk tks MªkbZfoax ykbZlsal
gS mlesa eks- lTtkn valkjh fy[kk gqvk gS tcfd gLrk{kj esa eks- lTtkd
fy[kk gqvk gS vkSj tks vuqKfIr i= crk;k tk jgk gS mleas ltr valkjh
mYysf[kr gSA bl izdkj izFke n`"V;k tks MªkbZfoax ykbZlsal gS og Qsd
MªkbZfoax ykbZlsal gksuk izdV gksrk gSA
14- Parasnath Jha Vs. Oriental Insurance Company Limited, I (2018)
CPJ 429 (NC), eas ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS
fd%&
"Driving Licence obtained on the strength of forged driving licence
cannot be said to be a legal and valid driving licence-Driver not
holding valid driving licence at time of accident- Repudiation
justified."