Allowed

United India Ins Co. Ltd. v. Santoshi Kanwar and Ors.

Rajasthan HC1 May 2023CMA/1424/2007

Case brief

AI extract

What is this about?

The High Court, indebted to the Supreme Court's Baig Saiyyid Abbas Ali Baig judgment, altered the appellant insurance company's earlier decision. It reduced delayed claim interest from 9% to 6% p.a. and maintained the principal amount, clarifying that higher rates are not warranted under statutory provisions.

What did the court decide?

Reduced penal interest rate from 9% to 6% per annum on delayed claim payments and ordered compensation accordingly.

United India Ins Co. Ltd. Vs Santoshi Kanwar and Ors. — Company and Corporate | Rajasthan HC (2023)

¶1

HIGH COURT OF JUDICATURE FOR RAJASTHAN AT JODHPUR

¶2

S.B. Civil Misc. Appeal No. 1388/2007

¶3

United India Insurance Company Limited, Branch Office, Panch Sati Circle, Sardulganj, Bikaner through its Legally Constituted Authority Divisional Office, 12-D, Residency Road, Jodhpur.

¶4

----Appellant

¶5

Versus

¶6

Smt. Chana @ Chanda Devi W/o late Shri Lichmanram Meghwal.

¶7

Shri Kalu S/o late Shri Lichmanram Meghwal (Minor). Represented through his natural guardian mother Smt. Chana @ Chanda Devi.

¶8

Shri Ruda Ram S/o Shri Manglaram Meghwal.

¶9

Smt. Jhamku Devi W/o Shri Ruda Ram Meghwal. All residents of village Bandwa Tehsil Ratangarh District

¶10

Churu.

¶11

Shri Balu Ram S/o Shri Bhuraram Nayak R/o Ward No. 13 village Rajadesar Tehsil Ratangarh District Churu (Driver).

¶12

Shri Chunaram S/o Shri Kesharam Jat R/o village Palana P.S. Deshnok, District Bikaner (Owner).

¶13

----Respondent

¶14

Connected With

¶15

S.B. Civil Misc. Appeal No. 1424/2007

¶16

United India Insurance Company Limited, Branch Office, Panch Sati Circle, Sardulganj, Bikaner through its Legally Constituted Authority Divisional Office, 12-D, Residency Road, Jodhpur.

¶17

----Appellant

¶18

Versus

¶19

Smt. Santoshi Kanwar W/o Late Shri Hulash Singh Rajput.

¶20

Miss Mukesh Kanwar D/o Late Shri Hulash Singh Rajput (Minor).

¶21

Shri Bhawanisingh S/o Late Shri Hulash Singh Rajput (Minor).

¶22

Shri Richpalsingh S/o Shri Hulash Singh Rajput (Minor).

¶23

Ku. Suman Kanwar D/o Late Shri Hulash Singh Rajput (Minor).

¶24

Minors are represented through their natural guardian Smt.

(2 of 6)

[2023/RJJD/012569]

[CMA-1388/2007]

Santoshi Kanwar.

¶29

Smt. Kesri Kanwar W/o Shri Bhiksingh Rajput. All residents of Ward No. 7 village Rajaldesar Tehsil Ratangarh District Churu.

¶30

Shri Baluram S/o Shri Bhuraram Nayak R/o Ward No. 13 village Rajadesar Tehsil Ratangarh District Churu (Driver).

¶31

Shri Chunaram S/o Shri Kesharam Jat R/o village Palana P.S. Deshnok, District Bikaner (Owner).

¶32

----Respondent

¶33

For Appellant(s)	: Mr. Jagdish Vyas
For Respondent(s)	: Mr. RS Choudhary
	Mr. VijayJain

¶34

HON'BLE MR. JUSTICE YOGENDRA KUMAR PUROHIT Judgment

¶35

Reserved on Date: 27/04/2023 Pronounced on Date: 01/05/2023

¶36

1- vihykFkhZ dh vksj ls fo}ku v/khuLFk eksVj nq?kZVuk nkok vf/kdj.k jrux<+ ds eqrQjdkr nhokuh Dyse la[;k 27@2005 pkuk mQZ pUnk nsoh oxSjg cuke ckywjke oxSjg] eqrQjdkr nhokuh Dyse la[;k 30@2005 larks"khdaoj oxSjg cuke ;qukbVsM bafM;k ba';ksjsal daiuh fyfeVsM oxSjg esa ikfjr fu.kZ; fnukad 15-11-2006 ls O;fFkr gksdj ;g nks vihysa vyx&vyx is'k dh xbZ gSa tks ,d gh fu.kZ; ,oa vokMZ ls lacaf/kr gksus ls lfEefyr dh tkdj ,d lkFk fu.kZ; fd;k tk jgk gSA

¶37

2- la{ksi esa izdj.k ds rF; bl izdkj gSa fd izR;FkhZ&izkFkhZ pkuk mQZ pUnk nsoh oxSjg dh vksj ls ckywjke oxSjg ds fo:) /kkjk 166 eksVj okgu vf/kfu;e ds rgr ,d fiVh'ku fnukad 25-04-2005 dks izLrqr dj ;g fuosnu fd;k x;k fd fnukad 25-03-2005 dks Vªd la[;k vkjts 07@th&0971 }kjk dkfjr nq?kZVuk esa fyNe.kjke ds pksVsa vkus ls mldh eR;q dkfjr gqbZA fyNe.kjke dh eR;q ds le; vk;q 30 o"kZ o ekfld vkenuh 4500@& #i;s FkhA e`rd fyNe.kjke ÅaVxkMs+ esa

[2023/RJJD/012569]

[CMA-1388/2007]

(3 of 6)

lokj FkkA ftldh ,QvkbZvkj la[;k 16@05 iqfylFkkuk jktynslj esa ntZ gqbZ FkhA ftlesa v;kph la[;k 1 ds fo:) /kkjk 279] 337 o 304, Hkkjrh; n.M lafgrk esa vkjksi i= vfrfjDr eq[; U;kf;d eftLVªsV] jrux<+ ds U;k;ky; esa is'k gqvkA ftldk eqdn~ek la[;k 90@2005 ntZ gksuk crk;kA vUr esa fofHkUu vk/kkj of.kZr djrs gq, 20]75]500@& #i;s {kfriwfrZ jkf'k dh ekax dh x;hA

¶42

3- chek dEiuh v;kph la[;k 3 dh vksj ls tokc izLrqr dj e`rd ds 4500@& #i;s ekfld vk; ls fof'k"Vr;k budkj fd;k rFkk fofHkUu vk/kkj of.kZr djrs gq, ;kfpdk [kkfjt fd;s tkus dk fuosnu fd;kA v;kph la[;k 1 dh vksj ls tokc izLrqr dj Vªd dk chfer gksuk crk;k vkSj {kfriwfrZ dh vnk;xh dh ftEesnkjh v;kph la[;k 3 dh gksuk crk;kA

¶43

4- blh izdj larks"khdaoj oxSjg dh vksj ls vyx ls ;kfpdk ;qukbZVsM bf.M;k ba';ksjsal dEiuh fyfeVsM oxSjg ds fo:) fnukad 16-04-2005 dks izLrqr dh x;h vkSj blh nq?kZVuk esa gqyklflag dh eR;q gksuk crk;kA gqykl flag dh vk;q oDr nq?kZVuk 40 o"kZ vkSj erd dh okf"kZd vk; 72]000@& #i;s gksuk vkSj vius maV xkM+s ls cktkj ds lkeku <qykbZ dj etnwjh djus o lkFk&lkFk d`f"k dk;Z djuk crkrs gq, crkSj {kfriwfrZ jkf'k 21]92]000@& #i;s fnyokbZ tkus dh izkFkZuk dhA

¶44

5- chek dEiuh dh vksj ls tokc izLrqr djrs gq, 72]000@& okf"kZd vk; ds rF; ls Li"V :i ls budkj fd;k vkSj e`rd dh vk;q oDr nq?kZVuk 42 o"kZ iksLVekVZe fjiksVZ ds eqrkfcd gksuk crk;k o vU; vk/kkj of.kZr djrs gq, fiVh'ku [kkfjt fd;s tkus dk fuosnu fd;kA v;kph la[;k 2 o 3 dh vksj ls tokc izLrqr dj okgu chfer gksuk crkrs gq, chek dEiuh dh ftEesnkjh gksuk crk;kA

¶45

6- bl ekeys esa i{kdkjku ds vfHkopuksa ds vk/kkj ij iwoZ esa fook|d dk;e fd;s x;s Fks rRi'pkr] izdj.k pkuk mQZ pUnk nsoh ds lkFk lfEefyr dj fn;s tkus ls nksuksa izdj.kksa esa la;qDr :i ls dqy ikap fook|d dk;e fd;s x;sA

[2023/RJJD/012569]

[CMA-1388/2007]

(4 of 6)

7- ;kph larks"khdaoj dh vksj ls crkSj ,-MCY;w 1 larks"khdaoj] ,-MCY;w 2 eksguflag o ,-MCY;w 3 iIiqflag dh lk{; djokdj lk{; lekIr dh x;hA ;kph pkuk dh vksj ls ,-MCY;w 1 /kwM+kjke o ,-MCY;w 2 pkuk dh lk{; djok;h x;hA izR;FkhZ dh vksj ls dksbZ lk{; bl ekeys esa ugha djokbZ x;hA i{kdkjku dh cgl lquh tkdj fo}ku v/khuLFk eksVj nq?kZVuk nkok vf/kdj.k] jrux<+ }kjk nksuksa izdj.kksa esa la;qDr :i ls fu.kZ; fnukad 15-11-2006 dks ikfjr fd;k x;k ftlls O;fFkr gksdj vihykFkhZ dh vksj ls nks vyx&vyx vihy izLrqr dh x;h ftudk iwokZuqlkj la;qDr :i ls fu.kZ; fd;k tk jgk gSA

¶50

8- vihykFkhZ }kjk nksuksa vihyksa esa fHkUu&fHkUu vk/kkj of.kZr fd;s x;s vkSj eq[; :i ls ;g vkifRr dh x;h fd /kkjk 171 eksVjokgu vf/kfu;e ds eqrkfcd 6 izfr'kr okf"kZd ds fglkc ls C;kt yxk;s tkus ds i'pkr nks ekg rd Hkqxrku ugha djus ij 6 izfr'kr C;kt ds LFkku ij 9 izfr'kr okf"kZd C;kt yxk;k x;k gS tks /kkjk 171 eksVjokgu vf/kfu;e ds izko/kku o ekuuh; mPpre U;k;ky; ds fu.kZ; ds foijhr gksus ls bl vkns'k dks fujLr djus dh izkFkZuk dhA

¶51

9- cgl vihy lquh x;hA fo}ku vf/koDrk vihykFkhZ dh vksj ls nkSjkus cgl vU; rdksaZ dks NksM+rs gq, dsoy ek= /kkjk 171 eksVjokgu vf/kfu;e o ekuuh; mPpre U;k;ky; ds fu.kZ; us'kuy ba';ksjsal daiuh fyfeVsM cuke ds'ko cgknqj o vU; vihy ¼flfoy½ 399@2004 fu.kZ; fnukad 20-01-2004 ¼AIR 2004 SC 1581½ ds vk/kkj ij ;g rdZ izLrqr fd;k fd tks nks ekg ds i'pkr 9 izfr'kr okf"kZd dh nj ls n.MkRed C;kt ¼Penal Interest½ yxk;k x;k gS og fof/k lEer ugha gSA bl n.MkRed C;kt ¼Penal Interest½ dh gn rd fu.kZ; ,oa vokMZ dks la'kksf/kr fd;s tkus dh izkFkZuk dhA fo}ku vf/koDrkx.k izR;FkhZx.k dh vksj ls bldk l[r fojks/k fd;k x;kA

¶52

10eSaus mDr rdksaZ ij euu fd;kA bl U;k;ky; dh i=koyh o v/khuLFk vf/kdj.k dh i=koyh dk voyksdu fd;kA izLrqr U;kf;d n`"Vkar o /kkjk 171 eksVj

[2023/RJJD/012569]

[CMA-1388/2007]

(5 of 6)

okgu vf/kfu;e ds izko/kkuksa dk voyksdu fd;kA /kkjk 171 eksVj okgu vf/kfu;e esa C;kt ds laca/k esa izko/kku fd;k x;k gS] bl izko/kku esa n.MkRed C;kt ¼Penal Interest½ ;k fu/kkZfjr le;kof/k esa jde dk Hkqxrku ugha djus ij vf/kd C;kt tSlk dksbZ izko/kku ugha fd;k x;k gSA fo}ku vf/koDrk vihykFkhZ dh vksj ls izLrqr ekuuh; mPpre U;k;ky; ds us'kuy ba';ksjsal daiuh fyfeVsM cuke ds'ko cgknqj o vU; okys U;kf;d n`"Vkar esa eksVj okgu vf/kfu;e 1939 dh /kkjk 110&lhlh o mlh izdkj dh eksVj okgu vf/kfu;e] 1988 dh /kkjk 171 ij fopkj djrs gq, ;g fl)kUr izfrikfnr fd;k x;k fd fu/kkZfjr le;kof/k esa {kfriwfrZ jkf'k o ml ij ns; C;kt dk Hkqxrku u djus dh lwjr esa Hkwry{kh izHkko ls C;kt esa c<+ksrjh ugha dh tk ldrhA

¶57

11mDr fof/kd fLFkfr ds ifjizs{; esa gLrxr ekeys ij fopkj fd;k x;kA bl ekeys esa fo}ku v/khuLFk vf/kdj.k }kjk ikfjr fu.kZ; o vokMZ fnukad 15-11-2006 esa nksuksa gh ekeyksa esa ;g fu.kZ; fn;k x;k gS fd xSjlk;yku }kjk izfrdj dh jkf'k dk Hkqxrku fu.kZ; dh fnukad ls nks ekg dh vof/k ds Hkhrj u djus dh lwjr esa lk;yku izfrdj jkf'k ij fu.kZ; dh fnukad ls rkolwyh 9 izfr'kr okf"kZd dh nj ls lk/kkj.k C;kt izkIr djsaxsA vk{ksfir fu.kZ; esa nks ekg ds Hkhrj 6 izfr'kr okf"kZd dh nj ls lk/kkj.k C;kt ds Hkqxrku dk vkns'k fn;k x;k gSA nks ekg ds i'pkr Hkwry{kh izHkko ls 9 izfr'kr okf"kZd dh nj ls C;kt ds Hkqxrku dk vkns'k fn;k x;k] tks /kkjk 171 eksVj okgu vf/kfu;e 1988 o ekuuh; mPpre U;k;ky; ds us'kuy ba';ksjsal daiuh fyfeVsM cuke ds'ko cgknqj o vU; okys ekeys ds foijhr gksus ls fo}ku v/khuLFk vf/kdj.k dk ;g vkns'k fof/klEer ugha gSA ,slh lwjr esa bl vkns'k dh gn rd v/khuLFk vf/kdj.k dk fu.kZ; fujLr fd;s tkus ;ksX; gSA

¶58

12fygktk nksuksa vihyksa dks vkaf'kd :i ls Lohdkj dj fo}ku v/khuLFk vf/kdj.k ds nksuksa izdj.kksa ds fu.kZ;ksa dks Hkwry{kh izHkko ls n.MkRed C;kt ds :i esa tks 9 izfr'kr okf"kZd dh nj ls C;kt izkIr djus dk vf/kdkjh gksuk ?kksf"kr fd;k

[CMA-1388/2007]

[2023/RJJD/012569]

(6 of 6)

x;k gS mls fujLr fd;k tkrk gS] 'ks"k fu.kZ; ;Fkkor jgsxkA bl izdkj {kfriwfrZ ij 6 izfr'kr okf"kZd dh nj ls gh fu.kZ; ds eqrkfcd C;kt izkIr djus ds izR;FkhZ&;kphx.k vf/kdkjh gksaxs] nks ekg esa Hkqxrku ugha djus ij 9 izfr'kr okf"kZd dh nj ls C;kt izkIr djus ds izR;FkhZ&;kphx.k vf/kdkjh ugha gksaxsA

¶63

13mDr vuqlkj nksuksa vihyksa dk fuLrkj.k fd;k tkrk gSA nksuksa vihyksa esa ;fn dksbZ izkFkZuk i= yafcr gS rks og Hkh fuLrkfjr le>k tkosA bl fu.kZ; dh izfr nksuksa vihyksa ds izdj.k esa layXu dh tkos rFkk v/khuLFk vf/kdj.k dh i=kofy;ksa esa mlh vuq:i fu.kZ; dh ,d&,d izfr ds lkFk i=kofy;ksa dk vfHkys[k Hkstk tkosA

¶64

(YOGENDRA KUMAR PUROHIT),J

¶65

S N LOHRA/-

United India Ins Co. Ltd. v. Santoshi Kanwar and Ors.

Case brief

What is this about?

What did the court decide?

United India Ins Co. Ltd. v. Santoshi Kanwar and Ors.

Case brief

What is this about?

What did the court decide?

What the court decided

A compact analysis

Issues for consideration

Cases cited

Statutes considered

Parties & counsel

Coram

Case details

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