Lakhmi Chand vs Reliance General Insurance on 7 January, 2016
i{kdkjksa ds vf/koDrk
vihykFkhZ dh vksj ls Jh lat; dqekj oekZ] vf/koDrkA
mRrjoknh dh vksj ls Jh ih- ds- ikWy] vf/koDrkA
vkns'k
fnukad% 12@09@2017
}kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k
vihykFkhZ@ifjoknh uss ;g vihy /kkjk&15 miHkksDrk laj{k.k
vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] nqxZ
¼N-x-½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds
ifjokn izdj.k dzekad&2016@663 jkek/kkj jtd fo:} fn U;w bafM;k
ba';ksjsal daiuh fyfeVsM }kjk e.My izca/kd esa ikfjr vkns'k fnukad&31
ekpZ 2017 ftlds }kjk vihykFkhZ@ifjoknh ds ifjokn dks fujLr fd;k
x;k gS] ls nqf[kr gksdj izLrqr fd;k gSA
// 2 //
02- vihykFkhZ@ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa
bl++ izdkj jgk gS fd vihykFkhZ@ifjoknh okgu oSxu vkj dz-&lh-th- 08
,l@8768 ftldk baftu ua-&ds-10ch-,u-4630811 ,oa psfpl ua-&,e-,-3
bZ-MCY;w-Mh-bZ-1,l-00681790 gS] dk iathd`r Lokeh gSA vihykFkhZ@ifjoknh
us mDr okgu dk iSdst chek ikWfylh mRrjoknh@vukosnd ls djk;k Fkk
ftldk ikWfylh dz-&31260031140102499974 gS tks fnukad&29-03-20105
ls 28-03-2016 rd oS/k ,oa izHkkoh Fkk ftlds vuqlkj okgu ds nq?kZVuk esa
{kfrxzLr gks tkus ij {kfriwfrZ jkf'k vnk;xh dk laiw.kZ nkf;Ro chek
daiuh dk FkkA fnukad&01-02-2016 dks vihykFkhZ@ifjoknh ds okgu
pkyd@fj'rsnkj eukst jtd }kjk vius xkao ds ifjfpr fe= lquhy
esJke ds lxkbZ dk;Zdze esa chfer okgu ls xzke ?kksfV;k x;s Fks vkSj
dk;Zdze ds Ik'pkr~ okil vkrs le; xzke jkekVksyk iqfy;k ds ikl eksM+
ij mDr okgu vpkud vfu;af=r gksdj iyV xbZ ftlds dkj.k okgu
pkyd eukst jtd ,oa gqdqepan lkgw dh e`R;q gks xbZ rFkk mRre fu"kkn]
fnyhi fu"kkn ,oa fou; /kqosZ dks pksVsa vkbZ Fkh rFkk okgu Hkh cqjh rjg ls
{kfrxzLr gks x;k Fkk ftldh fjiksVZ Fkkuk Mksaxjx<+] ftyk jktukanxkao esa
ntZ dh xbZ Fkh ftldk vijk/k dz-&57@16 gSA chfer okgu ds nq?kZVuk
esa {kfrxzLr gksus dh lwpuk vihykFkhZ@ifjoknh }kjk rRdky
mRrjoknh@vukosnd chek daiuh dks nsdj chek daiuh ds funsZ'kkuqlkj
okgu dks fjis;j gsrq vU; okgu ls Vkspu dj jkekVksyk ls x.kifr eksVlZ
iqyxkao ukdk nqxZ yk;k x;k ftlesa vihykFkhZ@ifjoknh dks
10]000@&¼nl gtkj :Ik;s½ O;; djuk iM+kA mRrjoknh@vukosnd chek
daiuh }kjk mDr chfer okgu dh {kfr dk losZ djus gsrq Jh txr
// 3 //
jrukuh dks losZ;j fu;qDr fd;k x;k ftUgksaus okgu dk losZ dj
vihykFkhZ@ifjoknh dks fnukad&19-03-2016 dks i= ds ek/;e ls iw.kZ :Ik
ls fjis;j djkus dh lykg nh Fkh ftl ij vihykFkhZ@ifjoknh us okgu
dk fjis;j djokus ds Ik'pkr~ chek daiuh ,oa losZ;j txr jrukuh dks
okgu ds ejEer gks tkus dh lwpuk nh Fkh rc chek daiuh }kjk {kfriwfrZ
dk Hkqxrku tYn gh djus dk vk'oklu fn;k FkkA okgu ejEer esa
yxHkx 2]42]660@&¼nks yk[k ca;kyhl gtkj N% lkS lkB :Ik;s½ dk fcy
x.kifr eksVlZ }kjk fn;k x;k Fkk ijUrq vihykFkhZ@ifjoknh ds ikl jde
ugha gksus ds dkj.k vihykFkhZ@ifjoknh mDr okgu dks vius dCts esa ysus
esa vleFkZ FkkA vihykFkhZ@ifjoknh }kjk vius ifjfpr] fj'rsnkj ,oa fe=ksa
ls jde m/kkj ysdj x.kifr eksVlZ dks fnukad&19-08-2016 dks
2]30]000@&¼nks yk[k rhl gtkj :Ik;s½ dk Hkqxrku dj vius okgu dks
izkIr fd;k Fkk vU;Fkk mDr okgu dks x.kifr eksVlZ ds xSjst esa j[ks
tkus ij 300@&¼rhu lkS :Ik;s½ izfrfnu ds fglkc ls ikfdZax 'kqYd
Hkqxrku djuk iM+rkA mRrjoknh@vukosnd chek daiuh }kjk
vihykFkhZ@ifjoknh dks fnukad&23-06-2016 dks i= izsf"kr dj
vihykFkhZ@ifjoknh ds nkos dks vuqfpr :Ik ls vlR; vk/kkjksa dk lgkjk
ysrs gq, fujLr dj fn;k x;k ftlds dkj.k vihykFkhZ@ifjoknh dks
ekufld {kfr dk lkeuk djuk iM+ jgk gSA mRrjoknh@vukosnd dk
mDr d`R; lsok esa deh ,oa O;kolkf;d dnkpj.k dh Js.kh esa vkrk gS
ftlds dkj.k vihykFkhZ@ifjoknh dks ;g ifjokn ykus dh vko';drk
iM+h gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkosA
// 4 //
03- mRrjoknh@vukosnd dh vksj ls ftyk Qksje ds le{k fyf[kr
dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd
mRrjoknh@vukosnd }kjk jkek/kkj jtd ds uke ls okgu ek:fr oSxu
vkj dkj dk chek] chek ikWfylh ds fu;e o 'krksZa ds v/khu fnukad&29-
03-2015 ls 28-03-2016 rd dh vof/k ds fy, fd;k x;k FkkA izFke
lwpuk fjiksVZdrkZ [ksyu lkgw us crk;k gS fd fnukad&31-01-2016 dk xkao
ds lquhy esJke dh lxkbZ dk;Zdze esa oSxu vkj dkj dz- lh-th-
08,l@8768 esa xkao ds yksxksa ds lkFk xzke ?kksfV;k x;s Fks vkSj lxkbZ
dk;Zdze ds ckn mlh dkj ls okil vk jgs Fks rFkk nsgkrh exZ
baVhes'kudrkZ nsoozr fu"kkn us crk;k gS fd fnukad&31-01-2016 dks xkao
ds lquhy esJke ds lxkbZ dk;Zdze esa osxu vkj dkj dz- lh-th-
08,l@8768 esa xkao ds yksxksa ds lkFk x;s Fks vkSj lxkbZ dk;Zdze gksus
ds ckn mlh dkj ls okil ?kj tk jgs FksA bl izdkj mDr dkj esa eukst
jtd] gqdqepan] mRre fu"kkn] fou; /kqzo] fnyhi fu"kkn] [ksyu lkgw ,oa
nsoozr fu"kkn dqy 07 yksx cSBs Fks tcfd mDr dkj dh cSBd {kerk
MªkbZoj lfgr 05 yksxksa dh gSA mDr okgu esa {kerk ls vf/kd yksx cSBs
Fks ftlds dkj.k pkyd eukst jtd dk okgu ij fu;a=.k lekIr gks
x;k Fkk vkSj okgu iqfy;k ds ikl iyVh gks x;kA vihykFkhZ@ifjoknh
dh vksj ls ?kVuk dh lwpuk izkIr gksus ij mRrjoknh@vukosnd chek
daiuh }kjk vkbZ- vkj- Mh- ,- ls yk;lsal izkIr Lora= losZ;j Jh txr
jrukuh ls okgu dk losZ djk;k x;k ftlds }kjk fnukad&13-02-2016]
05-04-2016] 12-04-2016 ,oa 12-05-2016 dks okgu dk losZ dj
fnukad&20-06-2016 dks viuh fjiksVZ chek daiuh esa tek fd;k x;k
// 5 //
ftlds vuqlkj okgu esa 1]82]296-95 ¼,d yk[k c;klh gtkj nks lkS
fN;kucs :Ik;s iapkucs iSls½ dh usV {kfr dk vkadyu fd;k x;k gSA
losZ;j Jh jrukuh }kjk dkWt ,.M uspj vkWQ ,DlhMsaV esa fy[kk gS fd
As reflected in th claim form & FIR to avert an accident with a cattle the IV
was oversteered, got uncontrolled & overturned thereby sustained. chfer
okgu esa cSBd {kerk 05 ls vf/kd yksx cSBs Fks tks chek ikWfylh 'krZ dk
mYya?ku gSA losZ;j us vius QkbZuy losZ fjiksVZ esa crk;k gS fd chfer
okgu esa {kerk ls vf/kd yksx cSBs Fks ftlds dkj.k okgu pkyd }kjk
okgu ij fu;a=.k ugha dj ik;k vkSj okgu dks iyVh dj fn;kA
mRrjoknh@vukosnd chek daiuh }kjk vihykFkhZ@ifjoknh dks
fnukad&15-07-2016 dks i= Hkstdj Li"Vhdj.k pkgk x;k ysfdu
vihykFkhZ@ifjoknh }kjk dksbZ Li"Vhdj.k ugha fn;k x;k ftldk rkRi;Z
;g gS fd okgu esa nq?kZVuk ds le; {kerk ls vf/kd yksx cSBs Fks vkSj
mDr dkj.kksa ls mRrjoknh@vukosnd chek daiuh }kjk
vihykFkhZ@ifjoknh ds nkos dks fujLr dj mldh lwpuk
vihykFkhZ@ifjoknh dks nh xbZ gSA mRrjoknh@vukosnd chek daiuh }kjk
lsok esa dksbZ deh ugha dh xbZ gSA vihykFkhZ@ifjoknh dksbZ vuqrks"k ikus
dk vf/kdkjh ugha gSA vr% vihykFkhZ@ifjoknh dk ifjokn lO;; fujLr
fd;k tkosA
04- vihykFkhZ@ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje
ds le{k vafre izfrosnu dh Nk;kizfr (Annexure A-1)] izFke lwpuk
izfrosnu dh Nk;kizfr (Annexure A-2)] losZ;j txr jrukuh dk i=
// 6 //
fnukad&19-03-2016 dh Nk;kizfr (Annexure A-3)] ,fLVesV fMVsYl dh
Nk;kizfr (Annexure A-4)] nkok fujLrh i= fnukad&23 twu 2016 dh
Nk;kizfr (Annexure A-5)] x.kifr eksVlZ }kjk vihykFkhZ@ifjoknh dks
izsf"kr i= fnukad&02-08-2016 dh Nk;kizfr (Annexure A-6)] tkWc dkMZ
fjVsy buokbZl fnukad&19-08-2016 dh Nk;kizfr (Annexure A-7)] jlhn
fnukad&19-08-2016 dh Nk;kizfr (Annexure A-8)] lfVZfQdsV vkWQ
jftLVªs'ku dh Nk;kizfr (Annexure A-9)] lfVZfQdsV de ikWfylh 'ksM~;wy
dh Nk;kizfr (Annexure A-10)] eukst dqekj dk MªkbZfoax ykbZlsal dh
Nk;kizfr (Annexure A-11) izLrqr fd;k gSA
05- mRrjoknh@vukosnd dh vksj ls vius i{k leFkZu esa ftyk Qksje
ds le{k nsgkrh exZ baVhes'ku dh Nk;kizfr (Annexure NA-1)] izFke lwpuk
izfrosnu dh Nk;kizfr (Annexure NA-2)] exZ baVhes'ku dh Nk;kizfr
(Annexure NA-3)] mRrjoknh@vukosnd }kjk vihykFkhZ@ifjoknh dks
izsf"kr QkbZuy fjekbZUMj dh Nk;kizfr (Annexure NA-4) rFkk eksVj
¼QkbZuy½ losZ fjiksVZ fnukad&20-06-2016 dh Nk;kizfr (Annexure NA-5)
izLrqr fd;k gSA
06- mHk;i{k }kjk izLrqr vfHkopu ,oa nLrkosth lk{;ksa ds ifj'khyu
Ik'pkr~ ftyk Qksje us vkns'k ikfjr djrs gq, vihykFkhZ@ifjoknh ds
ifjokn dks fujLr fd;k gS ftlds fo:} ;g vihy gSA
07- vihykFkhZ@ifjoknh dh vksj ls vkns'k&41 fu;e&27 lh- ih- lh-
dk vkosnu&i= izLrqr dj vij eksVj nq?kZVuk nkokf/kdj.k [kSjkx<+]
// 7 //
ftyk jktukanxkao ds nkok izdj.k dzekad&27@2016 f'k'kqiky ,oa vU;
fo:} fn U;w bafM;k ba';ksjsal daiuh fyfeVsM ,oa ,d vU; esa ikfjr
vf/kfu.kZ; fnukad&08-07-2017 ,oa jkthukek vkosnu&i= dh izekf.kr
izfrfyfi dks izLrqr djuk pkgk gSA
08- vihykFkhZ@ifjoknh dh vksj ls izLrqr vkns'k&41 fu;e&27 lh-
ih- lh- ds vkosnu&i= ij mHk;i{k dks lquk x;kA
09- vkosnu&i= ij fopkj fd;k x;kA
10- vihykFkhZ@ifjoknh us vij eksVj nq?kZVuk nkokf/kdj.k [kSjkx<+]
ftyk jktukanxkao ds nkok izdj.k d-&27@2016 esa ikfjr vf/kfu.kZ;
fnukad&08-07-2017 dh izekf.kr izfrfyfi ,oa jkthukek vkosnu&i= dks
vihyh; voLFkk esa vfrfjDr lk{; ds :Ik esa izLrqr djuk pkgk gSA
11- vihykFkhZ@ifjoknh us vius ifjokn&i= dh dafMdk&3 esa ;g
Li"V :Ik ls vfHkopu fd;k gS fd okgu nq?kZVukxzLr gks x;k Fkk ftlds
dkj.k pkyd eukst jtd ,oa gqdqepan lkgw dh e`R;q gks xbZ Fkh vkSj
mRre fu"kkn] fnyhi fu"kkn ,oa fou; /kqosZ dks pksaVsa vkbZ FkhA mDr
izdj.k esa vihykFkhZ@ifjoknh jkek/kkj jtd dks vukosnd dz-2 ds :Ik esa
i{kdkj cuk;k x;k gS vkSj jkthukek ds vk/kkj ij vokMZ ikfjr fd;k
x;k gSA ;fn bl nLrkost dks vihyh; voLFkk esa Lohdkj fd;k tkrk gS
rks mRrjoknh@vukosnd ij dksbZ izfrdwy izHkko ugha iM+rk gSA vr%
vihykFkhZ@ifjoknh }kjk izLrqr vkosnu&i= varxZr vkns'k&41 fu;e&27
lh- ih- lh- Lohdkj fd;s tkus ;ksX; gSA
// 8 //
12- vr% vihykFkhZ@ifjoknh }kjk izLrqr vkosnu&i= varxZr
vkns'k&41 fu;e&27 lh- ih- lh- Lohdkj fd;k tkrk gS vkSj
vihykFkhZ@ifjoknh }kjk izLrqr nLrkost dks vihyh; voLFkk esa
vfrfjDr lk{; ds :Ik esa vfHkys[k esa fy;k tkrk gSA
13- tgka rd xq.k&nks"k dk laca/k gS] vihykFkhZ@ifjoknh dh vksj ls
milatkr gksus okys fo}ku vf/koDrk Jh lat; dqekj oekZ dk rdZ gS fd
blh nq?kZVuk ds laca/k esa vihykFkhZ@ifjoknh ds fo:} okgu esa
nq?kZVukxzLr gq, O;fDr@okfjlkuksa dh vksj ls /kkjk&166 eksVj ;ku
vf/kfu;e] ds varxZr nkok izLrqr fd;k x;k Fkk ftlesa jkthukek gqvk Fkk
vkSj jkthjkek ds vk/kkj ij vokMZ ikfjr fd;k x;k Fkk vkSj blls Li"V
gS fd vihykFkhZ@ifjoknh dk okgu nq?kZVukxzLr gqvk Fkk vkSj nq?kZVuk ds
le; okgu fof/kor~ :Ik ls mRrjoknh@vukosnd chek daiuh ds ikl
chfer Fkk rFkk eksVj nkok vf/kdj.k us mRrjoknh@vukosnd dks {kfriwfrZ
dh jkf'k fn;s tkus gsrq vknsf'kr fd;k gS] mls ns[krs gq, bl izdj.k esa
vihykFkhZ@ifjoknh {kfriwfrZ izkIr djus dk vf/kdkjh gS vkSj dsoy bl
vk/kkj ij fd okgu esa dqN vf/kd lokjh cSBs gq, Fks] vihykFkhZ@ifjoknh
ds nkos dks laiw.kZ :Ik vLohdkj fd;k tkuk mfpr ugha gSA iqfyl tkap
izfrosnu ls Li"V gS fd nq?kZVuk ds le; okgu esa dsoy 05 O;fDr cSBs
Fks tks fd chek 'krksZa dk mYya?ku ugha gS vkSj vihykFkhZ@ifjoknh }kjk
chek 'krksZa dk mYya?ku ugha fd;k x;k gSA ;fn ;g eku Hkh ysa fd okgu
esa ,d&nks O;fDr vf/kd cSBs gq, Fks rks Hkh vihykFkhZ@ifjoknh ds laiw.kZ
nkos dks vLohdkj ugha fd;k tk ldrk] vihykFkhZ@ifjoknh vekud
// 9 //
(Non Standard Basis) vk/kkj ij {kfriwfrZ ikus dk vf/kdkjh gSA ftyk
Qksje us vihykFkhZ@ifjoknh ds nkos dks fujLr dj =qfViw.kZ vkns'k ikfjr
fd;k gSA vr% vihykFkhZ@ifjoknh dh vihy Lohdkj fd;k tkosA ftyk
Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkos vkSj
vihykFkhZ@ifjoknh dks {kfriwfrZ dh jkf'k iznku dh tkosA
vihykFkhZ@ifjoknh dh vksj ls vius rdZ ds leFkZu esa bl vk;ksx ds
vihy dz-&,Q,@2016@700 fn vksfj;saVy ba';ksjsal daiuh fyfeVsM
fo:} HkwisUnz flag dkaMk esa ikfjr vkns'k fnukad&16-02-2017 dk voyacu
fy;k gSA
14- mRrjoknh@vukosnd dh vksj ls milatkr gksus okys fo}ku
vf/koDrk Jh ih- ds- ikWy dk rdZ gS fd ftyk Qksje dk vkns'k iw.kZr%
mfpr gSA nsgkrh exZ baVhes'ku ,oa iqfyl izfrosnu ls Li"V gS fd okgu
esa pkyd ds vfrfjDr nsoozr fu"kkn] [ksyu lkgw] gqdqepan lkgw] fnyhi
fu"kkn] mRre fu"kkn ,oa fou; /kqosZ vkfn 06 O;fDr cSBs gq, Fks vkSj
pkyd feykdj 07 yksx Fks] tcfd lfVZfQdsV vkWQ jftLVªs'ku ¼,usD'pj
,&9½ ds vuqlkj okgu esa lhfVax dSisflVh 05 Fkk vkSj mlh ds vk/kkj ij
ikWfylh tkjh fd;k x;k gS vkSj 05 O;fDr ds LFkku ij 07 O;fDr okgu
esa lokj Fks blfy, vihykFkh@ifjoknh }kjk okgu dks chek 'krksZa dk
mYya?ku dj pyk;k tk jgk Fkk vkSj ,slh fLFkfr esa mRrjoknh@vukosnd
chek daiuh us vihykFkhZ@ifjoknh ds nkos dks fujLr dj fdlh izdkj dh
dksbZ =qfV dkfjr ugha fd;k gSA ftyk Qksje dk vkns'k iw.kZr% mfpr gSA
vr% vihykFkhZ@ifjoknh dh vihy fujLr fd;k vkos vkSj ftyk Qksje
// 10 //
}kjk ikfjr vkyksP; vkns'k ;Fkkor~ j[kk tkosA mRrjoknh@vukosnd dh
vksj ls vius rdZ ds leFkZu esa vksfj;saVy ba';ksjsal daiuh fyfeVsM fo:}
eukst dqekj tk;loky 2015 ¼4½ N-x-ykW-t- 13 ¼lh- lh- lh-½] ,l- th-
f'kokeqFksZIik fo:} fjyk;al tujy ba';ksjsal daiuh fyfeVsM 1 ¼2012½ lh-
ih- ts- 175 ¼,u- lh-½ ,oa ;qukbZVsM bafM;k ba';ksjsal daiuh fyfeVsM
fo:} nsfoUnj flag 2008 ,- lh- ts- 1 ¼,l- lh-½ dk voyacu fy;k gSA
15- 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
16- ftyk Qksje us vius vkyksP; vkns'k dh dafMdk&7 esa ;g
fu/kkZfjr djrs gq, fd okgu esa cSBus dh {kerk 05 Fkk tcfd 07 yksx
cSBs gq, Fks vkSj blfy, chek daiuh ds }kjk lsok esa fuEurk vFkok
O;olkf;d nqjkpj.k fd;k tkuk lkfcr ugha gksrk gS vkSj
vihykFkhZ@ifjoknh ds ifjokn dks fujLr fd;k gSA
17- vihykFkhZ@ifjoknh dh vksj ls izFke lwpuk&i= ¼,usD'pj ,&2½
dh Nk;kizfr izLrqr fd;k x;k gS ftlds vuqlkj ?kVuk fnukad&01-02-
2016 dh jkf= 12%30 cts ds yxHkx dk gS vkSj mlh fnu 3%20 cts
fjiksVZ ntZ djk;k x;k gSA izFke lwpuk&i= esa ;g mYysf[kr gS fd **eSa
xzke flaxkj?kkV esa jgrk gWwaA [ksrh fdlkuh dk dke djrk gWawA fnukad&31-
01-2016 dks xkao ds lquhy esJke dh lxkbZ dk;Zdze esa osxu vkj dkj
ua- lh-th- 08 ,l@8768 esa xkao ds yksxksa ds lkFk xzke ?kksfV;k x;s FksA
// 11 //
lxkbZ dk;Zdze gksus ds ckn mlh dkj ls okil ?kj tk jgs Fks] dkj dks
eukst jtd pyk jgk FkkA tSls gh xzke jkekVksyk iqfy;k ds ikl igaqps
Fks] dkj dks pkyd eukst jtd ds }kjk dkj dks rsth o ykijokgh iwoZd
pykrs gq;s iqfy;k ds ikl iyVk fn;k ftlls dkj esa lokj gqdqepan
lkgw dk ekSds ij QkSr gks x;k rFkk eukst jtd] fnyhi fu"kkn] mRre
fu"kkn] fou; /kqosZ dks pksaV vk;k ftudks 108 ,Ecqysal ls Mksaxjx<+
vLirky ys x;s tgka jkLrs esa MªkbZoj eukst jtd dk Hkh QkSr gks x;k
gS rFkk fnyhi fu"kkn] mRre fu"kkn] fou; /kqosZ vLirky esa HkrhZ gSA
fjiksVZ djrk gWawA dk;Zokgh fd;k tk;sA fjiksVZ esjs crk;s vuqlkj fy[kk
x;k gSA** izFke lwpuk i= ds ifj'khyu ls izdV gksrk gS fd okgu esa 05
ls vf/kd O;fDr lokj Fks rFkk tks vafre izfrosnu gS mlesa 8&9 yksx
okgu esa gksus dh ckr dk mYys[k fd;k x;k gSA mRrjoknh@vukosnd us
exZ baVhes'ku ¼,usD'pj ,u,&1½ dh Nk;kizfr izLrqr fd;k gS] ml exZ
baVhes'ku esa Hkh Li"V :Ik ls mYysf[kr gS fd okgu esa 05 ls vf/kd
O;fDr cSBs Fks vkSj exZ baVhes'ku dks i<+us ls Li"V izrhr gksrk gS fd
nq?kZVuk ds le; okgu esa 05 ls vf/kd O;fDr cSBs gq, FksA
18- Lakhmi Chand Vs. Reliance General Insurance II (2016) CPJ 3
(SC), esa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%&
"Accident was caused on account of rash and negligent driving of
offending vehicle. FIR under Sections 337, 338, 304A and 427 of IPC
registered against driver of vehicle. Insurance Company not produced
any evidence on record to prove that accident occurred on account of
overloading of passengers in goods carrying vehicle. For the insurer
// 12 //
to avoid liability, breach of policy must be so fundamental in nature
that it brings contract to an end. Violation of policy conditions not
established. Repudiation not justified."