Allowed

United India Insurance Co. v. Badri Narain and Ors.

Rajasthan HC12 Dec 2017CMA/2174/2004

Case brief

AI extract

What is this about?

Appeal against an ex-parte order rejecting a claim for death compensation. The court held that the driver fell within the scope of indemnity despite the agricultural use restriction and limited premium, rejecting the appeal and setting aside the rejection order.

What did the court decide?

The ex-parte order dismissing the claim for compensation for death was set aside; the appeal against the judicial review order was dismissed.

United India Insurance Co. Vs Badri Narain and Ors. — Company and Corporate | Rajasthan HC (2017)

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vkns'k

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Civil Misc. Appeal No. 2174/2004

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United India Insurance Co. Ltd. Through Regional Manager, Sahara Chambers, Tonk Road, Jaipur.

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Appellant/Non-Claimant No.3

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Versus

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Badrinarain s/o Shri Udaram, Caste-Regar,

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Smt. Prabhati w/o Shri Badrinarain ,Caste-Regar

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Baga s/o Shri Badrinarain ,Caste-Regar,minor,

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Shanker s/o Shri Badrinarain ,Caste-Regar, minor,

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Heeralal s/o Shri Badrinarain ,Caste-Regar, minor,

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Krishnavtar s/o Shri Badrinarain ,Caste-Regar, minor,

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No. 3 to 6 minors through their father and natural guardian Badrinarain (Respondent No. 1)

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All Respondents resident of Bagrana, Agra Road, Jaipur.

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Respondents-Claimants

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Laduram s/o Shri Kanahiyalal, Caste- Bairwa, Resident of Old Octroi Post, Agra Road, Jaipur. (Driver of the tractor RJ14/R-4557)

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Sohanlal s/o Shri Gangadhar Detwal, Caste-Regar, Resident of Bagrana, Agra Road, Jaipur. (Owner of the tractor RJ-14/R-4557)

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Respondents/Non-Claimant no. 1 & 2

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Connected with

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Cross Objection No. 193/2011

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Civil Misc. Appeal No. 2174/2004

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United India Insurance Co. Ltd. Through Regional Manager, Sahara Chambers, Tonk Road, Jaipur.

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Appellant/Non-Claimant No.3

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Versus

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Badrinarain s/o Shri Udaram, Caste-Regar,

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Smt. Prabhati w/o Shri Badrinarain ,Caste-Regar

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Baga s/o Shri Badrinarain ,Caste-Regar,minor,

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Shanker s/o Shri Badrinarain ,Caste-Regar, minor,

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Heeralal s/o Shri Badrinarain ,Caste-Regar, minor,

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Krishnawatar s/o Shri Badrinarain ,Caste-Regar, minor,

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No. 3 to 6 minors through their father and natural guardian Badrinarain (Respondent No. 1)

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All Respondents resident of Bagrana, Agra Road, Jaipur.

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Respondents-Claimants

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Laduram s/o Shri Kanahiyalal, Caste- Bairwa, Resident of Old Octroi Post, Agra Road, Jaipur. (Driver of the tractor RJ14/R-4557)

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Sohanlal s/o Shri Gangadhar Detwal, Caste-Regar, Resident of Bagrana, Agra Road, Jaipur. (Owner of the tractor RJ-14/R-4557)

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Respondents/Non-Claimant no. 1 & 2

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Jh izhre fctykuh] vf/koDrk&vihykFkhZ dh vksj lsA izR;FkhZ DysesaV~l dh vksj ls] dksbZ mifLFkr ughaA

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vihykFkhZ chek dEiuh us ;g vihy /kkjk 30¼,½¼,,½ deZdkj {kfriwfrZ vf/kfu;e] 1923 ds izko/kkuksa ds rgr vkyksP; fu.kZ;@iapkV fnukad 04-08-2004 ftlds }kjk fd fo}ku v/khuLFk U;k;ky; vk;qDr deZdkj {kfriwfrZ vf/kfu;e] t;iqj 'kgj us izR;FkhZx.k DysesaVl }kjk izLrqr okn la[;k Mcywlhlh,Q52@2003 ¼cnzhukjk;.k oxS cuke yknwjke oxS-½ dks izR;FkhZx.k DysesaVl ds i{k esa Lohdkj djrs gq, 2]26]380@& :i;s dk iapkV ikfjr fd;k gS rFkk ml ij ?kVuk dh frfFk ds ,d ekg ckn ls 9 izfr'kr okf"kZd nj ls C;kt fnyk;s tkus dk vkns'k ikfjr fd;k g S ] ls O;fFkr gksdj is'k dh gSA

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izdj.k ds laf{kIr rF; bl izdkj gSa fd izR;FkhZx.k DysesaV~l us fnukad 13-10-2003 dks fo}ku vk;qDr deZdkj {kfriwfrZ vf/kfu;e ds ;gka ,d Dyse ;kfpdk bl vk'k; dk is'k fd;k fd&

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^^erd deZdkj guqeku lgk; iq= cnzhukjk;.k dh fu;qfDr vizkFkhZ la[;k 2 tks fd VªsDVj ua0 vkjts&14&vkj&4557 dk ekfyd gS] us vius mDr VªsDVj ij [kyklh ds in ij 4500@& :i;s izfrekg osru ij dj j[kh Fkh rFkk leLr izkFkhZx.k mlij vkfJr FksA deZdkj guqeku lgk; dh eR;q fnukad 23&6&98 dks mDr VªsDVj dks pkyd vizkFkhZ la[;k 1 yknwjke }kjk nqxkZiqjk jsyos dzkflax ls igys rst xfr ykijokgh o mrkoysiu ls pykus ds dkj.k ogka tehu maph&uhph ,oa xM~<s gksus ds dkj.k VªsDVj mNydj [kM~<s esa pyk x;k vkSj VªsDVj ij cSBk gqvk deZdkj guqeku lgk; xEHkhj :i ls ?kk;y gks x;k rFkk fnukad 24-6-98 dks mldh eR;q gks x;hA mDr nq?kZVuk dh izFke lwpuk fjiksVZ 299@98 iqfyl Fkkuk ctktuxj esa nTkZ gqbZA deZdkj guqeku lgk; dh eR;q vksu M~;wVh VªsDVj ij cSBs gq;s vizkFkhZ la[;k 1 dh xyrh ls VªsDVj ls fxjus ds dkj.k ?kk;y gksus ls dkfjr gqbZ] tks fu;kstu ls mnHkwr vkSj mlds vuqdze esa gqbZ nq?kZVuk ds QyLo:i gqbZ] ftl dkj.k izkFkhZx.k dks {kfriwfrZ vnk;xh dh vizkFkhZ la[;k 1 pkyd] vizkFkhZ la[;k 2 okgu ekfyd o fu;kstd erd ,oa vizkFkhZ la[;k 3 chek dEiuh] ftlds ;gka mDr okgu oDr nq?kZVuk chfer Fkk] la;qDr ]iFkd&iFkd :i ls ftEesnkj gSA ;kfpdk esa ;g Hkh vfHkopu fd;s gSa fd oDr nq?kZVuk erd dh vk;q 18 o"kZ Fkh rFkk osru 4500@& :i;s izfrekg FkkA vr% izkFkhZx.k vizkFkhZx.k ls {kfriwfrZ jkf’k :i;s 4]52]760@& izkIr djus ds vf/kdkjh gSA izkFkhZx.k us izfrdj izkIr djus gsrq iwoZ esa U;k;ky; eksVj nq?kZVuk okn U;k;kf/kdj.k] t;iqj 'kgj esa Dyse la409@98 izLrqr fd;k Fkk rFkk mUgksusa nks"kjfgr mRrjnkf;Ro ds isVs 50]000@& :i;s izkIr fd;s Fks] ijUrq mUgksus LosPNk ls U;k;ky; esa izkFkZuk i= izLrqr dj viuk Dyse vk;qDr deZdkj {kfriwfrZ ds ;gk a izLrqr djus gsrq okil ysus dk fuosnu fd;k] ftl ij vkns’k fnukad 24-9-2003 ds vuqlkj mDr U;k;ky; us izfrdj Dyse vk;qDr ds le{k izLrqr djus ckcr vkns’k ikfjr fd;kA vr% izkFkhZx.k dks iwoZ esa izkIr 50]000@& :i;s dh jkf’k de dj 'ks"k izfrdj jkf’k :i;s 4]02]760@& rFkk 50 izfr’kr isuYVh o 24 izfr’kr okf"kZd nj ls C;kt fnykbZ tkosA^^

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vizkFkhZ la[;k 3 chek dEiuh us ;kfpdk dk tcko is'k dj vfHkopu

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fd;s gSa fd nq?kZVuk fnukad 23-6-98 ds laca/k esa dksbZ Hkh izFke lwpuk fjiksVZ rFkkdfFkr nq?kZVuk frfFk 23-6-98 ;k mlds i’pkr~ dbZ fnuksa rd ugh djkbZ gS rFkk vkWQVj FkkWV tcfd erd dh eR;q vU; dkj.k ls gksus ds i’pkr Dyse izkIr djus ds mn~ns’; ls e`rd dks mDr VªsDVj ij fu;ksftr crk ;g nkok is’k fd;k x;k gSA vr% izkFkhZx.k dk izkFkZuk i= >wBs rF;ksa ds vk/kkj ij is’k fd;k x;k gS] izkFkZuk i= fe;kn ckgj is’k fd;s tkus] oDr nq?kZVuk rFkkdfFkr okgu ij {kerk ls vf/kd O;fDr cSBs gksus] rFkkdfFkr nq?kZVukxzLr okgu dk ewy o pkyd ds vfrfjDr vU; dksbZ O;fDr ds isVs dksbZ Hkh vfrfjDr izhfe;e vizkFkhZ la[;k 3 chek dEiuh dks vnk ugha fd;k vkfn vkifRr;ka mBkbZ gSA

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rRi'pkr nksuksa i+{kksa dh lquokbZ dj fo}ku v/khuLFk vk;qDr deZdkj us mDr izdkj ls izR;FkhZx.k DysesaV~l ds i{k esa 2]26]380@& :i;s dk iapkV ikfjr djrs gq, nks"kjfgr nkf;Ro ds v/khu izkIr dh xbZ jkf'k 50]000@& dks de djrs gq, 1]76]380@& :i;s izkIr djus dk vf/kdkjh ekuk] ftlls O;fFkr gksdj chek dEiuh dh vksj ls ;g vihy bl U;k;ky; ds le{k is'k dh x;h gSA

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fo}ku vf/koDRkk vihykFkhZ chek dEiuh us fuosnu fd;k gS fd izn'kZ&6 chek doj uksV ds vuqlkj VªsDVj ij ;k=h {kerk flQZ ,d crk;h x;h gS tks dsoy MªkbZoj cSB ldrk gSA MªkbZoj ds vykok vU; fdlh dks cSBus dh vuqefr ugha gS vkSj Lohdr :i ls rFkk izR;FkhZ DysesaV~l vfHkopuksa ds vuqlkj erd dk VªsDVj ij cSBk gksuk crk;k x;k gSA izn'kZ&6 chek ikWfylh ds vuqlkj VªsDVj d`f"k dk;Z gsrq chfer Fkk vkSj ^^,DV vksuyh^^ ikWfylh dh x;h gSA ,DV ikWfylh ds en esa 120@& :i;s rFkk 15@& :i;s MªkbZoj dk izhfe;e fy;k x;k gS] vU; fdlh ;k=h dk dksbZ izhfe;e ugha fy;k x;k FkkA /kkjk 147 eksVj Oghdy ,DV ds izksfotks ds rgr [kyklh dh fjLd doj ugha gksrh gS] ftl ij fopkj fd;s fcuk gh fo}ku vk;qDr deZdkj {kfriwfrZ us ekfyd] pkyd vkSj [kyklh lHkh lacaf/kr O;fDr;ksa dks nq?kZVuk mijkUr {kfriwfrZ dk gdnkj ekuk gS] ijUrq bl laca/k esa dksbZ oS/kkfud izko/kku ugha crk;k gS fd fdl izdkj ls ekfyd] pkyd o [kyklh ds laca/k esa chek dEiuh dk nkf;Ro curk gSA vr% mUgksaus bl Lrj rd vihy Lohdkj dh tkdj fo}ku vk;qDr deZdkj {kfriwfrZ }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkdj chek dEiuh dks {kfriwfrZ jkf'k ds nkf;Ro ls mUeksfpr fd;s tkus dk fuosnu fd;kA

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bl izdj.k esa izR;FkhZx.k DysesaV~l us Hkh dzkWl vkCtsD'ku is'k fd;s gSa] ijUrq mudh vksj ls vkt dksbZ mifLFkr ugha gSA

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lquk x;kA izLrqr rdksZa ij fopkj fd;k x;kA

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/kkjk 147 ,eoh,DV ds izksfotks fuEu izdkj gSa&

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“ Requirements of policies and limits of liability . —

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(1) In order to comply with the requirements of this Chapter, a policy of insurance must be a policy which—

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(a) is issued by a person who is an authorised insurer; and

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(b) insures the person or classes of persons specified in the policy to the extent specified in subsection (2)—

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(i) against any liability which may be incurred by him in respect of the death of or bodily 27 [injury to any person, including owner of the goods or his authorised representative carried in the vehicle] or damage to any property of a third party caused by or arising out of the use of the vehicle in a public place;

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(ii) against the death of or bodily injury to any passenger of a public service vehicle caused by or arising out of the use of the vehicle in a public place:

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Provided that a policy shall not be required— (i) to cover liability in respect of the death, arising out of and in the course of his employment, of the employee of a person insured by the policy or in respect of bodily injury sustained by such an employee arising out of and in the course of his employment other than a liability arising under the Workmen's Compensation Act, 1923 (8 of 1923) in respect of th e death of, or bodily injury to, any such employee —

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(a) engaged in driving the vehicle, or (b) if it is a public service vehicle engaged as conductor of the vehicle or in examining tickets on the vehicle, or

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(c) if it is a goods carriage, being carried in the vehicle, or

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(ii) to cover any contractual liability.

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Explanation. —For the removal of doubts, it is hereby declared that the death of or bodily injury to any person or damage to any property of a third party shall be deemed to have been caused by or to have arisen out of, the use of a vehicle in a public place notwithstanding that the person who is dead or injured or the property which is damaged was not in a public place at the time of the accident, if the act or omission which led to the accident occurred in a public place.

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(2) Subject to the proviso to sub-section (1), a

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policy of insurance referred to in sub-section (1), shall cover any liability incurred in respect of any accident, up to the following limits, namely:—

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(a) save as provided in clause (b), the amount of liability incurred;

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(b) in respect of damage to any property of a third party, a limit of rupees six thousand:

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Provided that any policy of insurance issued with any limited liability and in force, immediately before the commencement of this Act, shall continue to be effective for a period of four months after such commencement or till the date of expiry of such policy whichever is earlier.

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(3) A policy shall be of no effect for the purposes of this Chapter unless and until there is issued by the insurer in favour of the person by whom the policy is effected a certificate of insurance in the prescribed form and containing the prescribed particulars of any condition subject to which the policy is issued and of any other prescribed matters; and different forms, particulars and matters may be prescribed in different cases.

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(4) Where a cover note issued by the insurer under the provisions of this Chapter or the rules made thereunder is not followed by a policy of insurance within the prescribed time, the insurer shall, within seven days of the expiry of the period of the validity of the cover note, notify the fact to the registering authority in whose records the vehicle to which the cover note relates has been registered or to such other authority as the State Government may prescribe.

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(5) Notwithstanding anything contained in any law for the time being in force, an insurer issuing a policy of insurance under this section shall be liable to indemnify the person or classes of persons specified in the policy in respect of any liability which the policy purports to cover in the case of that person or those classes of persons.

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mDr izksfotks ls Li"V gS fd chek dEiuh dk okgu pykus okys pkyd rFkk yksd lsok okgu esa fVfdV daMDVj vkSj eky okgd okgu esa [kyklh ds Lrj rd {kfriwfrZ ds fy, nkf;Ro curk gSA

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gLrxr izdj.k esa VªsDVj df"k dk;Z ds mi;ksx ds fy, gSA vr% /kkjk 147 ds mijksDr izksfotks esa VªsDVj tks fd df"k dk;Z ds fy, gS] [kyklh ds laca/k esa chek dEiuh dk dksbZ mRrjnkf;Ro cuus dk dksbZ izko/kku ugha gSA

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tgka rd vfrfjDr izhfe;e dk iz'u gS] chek doj uksV ls ;g Hkh Li"V gS fd okgu pkyd ds laca/k esa 15@& :i;s izhfe;e fy;k x;k gS] vU; fdlh deZdkj ds laca/k esa dksbZ izhfe;e ugha fy;k x;k gSA ,slh

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ifjfLFkfr esa fcuk fdlh oS/kkfud izko/kkuksa ds vk;qDr us chek dEiuh dks VªsDVj ds [kyklh dh e`R;q gksus ij {kfriwfrZ jkf'k vnk;xh gsrq mRrjnk;h ekuk gS] ;g fu"d"kZ fLFkj jgus ;ksX; ugha ik;k tkrk gS rFkk ;g vihy Lohdkj fd;s tkus ;ksX; ik;h tkrh gSA

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rnuqlkj ;g vihy Lohdkj dh tkdj chek dEiuh ds Lrj rd fo}ku v/khuLFk vk;qDr dk fu"d"kZ vikLr fd;k tkrk gS rFkk chek dEiuh dks {kfriwfrZ jkf'k ds mRrjnkf;Ro ls eqDr fd;k tkrk gSA

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pwafd dzkWl vkCtsD'ku esa izR;FkhZx.k dh vksj ls dksbZ mifLFkr ugha gSA vr% dzkWl vkCtsD'ku vne gkftjh ,oa vne iSjoh esa vLohdkj fd;k tkrk gSA

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¼cuokjh yky 'kekZ½ U;k;kf/kifr

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feRry@5&6

United India Insurance Co. v. Badri Narain and Ors.

Case brief

What is this about?

What did the court decide?

United India Insurance Co. v. Badri Narain and Ors.

Case brief

What is this about?

What did the court decide?

What the court decided

A compact analysis

Issues for consideration

Statutes considered

Parties & counsel

Coram

Case details

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