Allowed

National Insurance Co. Ltd. v. Smt Kanta Bardia and Others

Rajasthan HC4 Dec 2023CMA/2997/2014

Case brief

AI extract

What is this about?

Allowed the appeal and enhanced the life insurance compensation awarded for the death of a deceased driver from ₹4,28,600 to ₹5,42,040, including loss of income and statutory heads under Supreme Court precedents, dismissing the insurer's challenge based on fixed caps. disposed of the pending connected appeal in the same order.

What did the court decide?

Enhanced the compensation award to ₹5,42,040, comprising ₹3,92,040 for loss of income and ₹1,50,000 for conventional heads, dismissing the insurer's appeal.

National Insurance Co. Ltd. Vs Smt Kanta… — Civil Procedure and Limitation | Rajasthan HC (2023)

¶1

HIGH COURT OF JUDICATURE FOR RAJASTHAN BENCH AT JAIPUR

¶2

S.B. Civil Miscellaneous Appeal No. 2997/2014

¶3

National Insurance Co Ltd Regional Office, Jeevan Nidhi, Bhawani Singh Road, Jaipur, through its authorized signatory.

¶4

----Appellant

¶5

Versus

¶6

Smt. Kanta Bardia W/o Late Shri Shekher Bardia, aged about 48 years.

¶7

Rishab Bardia S/o Late Shri Shekher Bardia, aged about 25 years.

¶8

Jatan Lal Bardia S/o Shri Kanhiya Lal Bardia, aged about 79 years. All resident of 8/224, Vidhydhar Nagar, Jaipur.

¶9

Musheer Khan S/o Shri Jabarsher, resident of village Chittery, PS-Hazratpur, District Badayun, UP, presently residing at Opp. Royalty Check Post, Kanota, District Jaipur. (Driver)

¶10

Mukesh Kumar S/o Shri Babu Lal, aged about 37 years, resident of A-19, Janta Colony Jaipur, presently residing at 10/652, Malviya Nagar, PS Jahawar Circle, Jaipur. (Owner)

¶11

----Respondent

¶12

Connected With

¶13

S.B. Civil Miscellaneous Appeal No. 3328/2014

¶14

Smt. Kanta Bardiya W/o Late Shri Shekhar Bardiya, aged 50 years.

¶15

Rishabh Bardiya S/o Late Shri Shekhar Bardiya, aged 27 years.

¶16

Jatan Lal Bardiya S/o Late Shri Kanhaiya Lal Bardiya, aged 81 years.

¶17

All residents of 8/224, Vidyadhar Nagar, Jaipur (Raj.)

¶18

----Appellant

¶19

Versus

¶20

Musheer Khan S/o Shri Jabarsher Khan, aged 38 years, resident of village Cheetari, P.S. Hajaratpur, District Badayun, UP. (Driver)

¶21

Mukesh Gupta S/o Shri Babu Lal, aged 40 years, resident of House No.A-19,Malviya Nagar, PS Jawahar Circle, Jaipur. (Owner)

¶22

The National Insurance Company Limited, Regional Office, Near Jyoti Nagar Turn, Bhawani Singh Road, Jaipur through Regional Manager.

¶23

----Respondent

¶24

(2 of 7) [CMA-2997/2014]

¶25

For Appellant(s) : Mr. Rizwan Ahmed For Respondent(s) : Mr. Sandeep Mathur

¶26

HON'BLE MRS. JUSTICE SHUBHA MEHTA

¶27

Order

¶28

04/12/2023

¶29

vihy la[;k 2997@2014&

¶30

chek dEiuh dh vksj ls ;g vihy fo}ku eksVj nq?kZVuk nkok vf/kdj.k] ¼fof'k"V U;k;ky; lk0na0iz0½ t;iqj ¼ftls vkxs vf/kdj.k ls lEcksf/kr fd;k tk,xk½ }kjk eksVj nq?kZVuk nkok la[;k& 203@2012 ¼762@2011½ esa ikfjr fu.kZ; ,oa vokMZ fnukad 05-08-2014 ] ftlds ek/;e ls nkosnkjksa ds i{k esa dqy {kfriwfrZ jkf'k 4]28]600@ &:i;s dk iapkV ikfjr fd;k x;k] ls O;fFkr gksdj izLrqr dh xbZ gSA

¶31

vihy la[;k 3328@2014&

¶32

nkosnkjksa dh vksj ls ;g vihy fo}ku eksVj nq?kZVuk nkok vf/kdj.k] ¼fof'k"V U;k;ky; lk0na0iz0½ t;iqj ¼ftls vkxs vf/kdj.k ls lEcksf/kr fd;k tk,xk½ }kjk eksVj nq?kZVuk nkok la[;k& 203@2012 ¼762@2011½ esa ikfjr fu.kZ; ,oa vokMZ fnukad 05-08-2014 ] ftlds ek/;e ls nkosnkjksa ds i{k esa dqy {kfriwfrZ jkf'k 4]28]600@ &:i;s dk iapkV ikfjr fd;k x;k] ls O;fFkr gksdj ,oa mDr {kfriwfrZ jkf'k esa o`f) fd, tkus ds lEcU/k esa izLrqr dh xbZ gSA

¶33

la{ksi esa izdj.k dh rF;kRed fLFkfr ds vuqlkj fnukad 05-03-2011 dks jkf= esa deys'k [k.Msyoky ek:fr oSu la[;k vkjts14 ;w, 8658 dks pykdj 'ks[kj tSu ds lkFk pkSew ls t;iqj vk jgk FkkA vkj&3 gksVy ds lkeus iagqps] rks lkeus ls vk jgs Vªd la[;k vkjts14 thMh 1368 dks mlds pkyd us rstxfr o ykijokgh ls pykdj ek:fr oSu dks VDdj ekjh] ftlds ifj.kkeLo:i 'ks[kj tSu dh e`R;q gksus ij nkosnkjksa dh vksj ls fo}ku vf/kdj.k esa Dyse izkFkZuk i= izLrqr dj fofHkUu enksa esa {kfriwfrZ jkf'k fnyk, tkus dh izkFkZuk dh xbZA foi{kh dh vksj ls tokc izLrqr fd;k x;kA fo}ku vf/kdj.k ds }kjk i{kdkjksa ds vfHkopuksa ds vk/kkj ij fook|d fojfpr fd;s x;sA i{kdkjksa dh lk{; ys[kc) dh xbZA rRi'pkr fo}ku vf/kdj.k ds }kjk nksuksa i{kksa ds rdZ lqudj i=koyh ij miyC/k ekSf[kd ,oa nLrkosth lk{; ds

¶34

(3 of 7) [CMA-2997/2014]

¶35

vk/kkj ij vkyksP; fu.kZ; }kjk nkosnkjksa dks {kfriwfrZ jkf'k 4]28]600@& :i;s e; C;kt fnykbZ xbZ] ftlds fo:) chek dEiuh o nkosnkjksa nksuksa dh vksj ls gh vihys izLrqr dh xbZ gSaA

¶36

nksuksa gh vihysa ,d gh iapkV ds fo:) izLrqr gksus ls mudk fuLrkj.k ,d lkFk fd;k tk jgk gSA

¶37

cgl lquh xbZA fo}ku vf/koDrk chek dEiuh dk rdZ gS fd fo}ku vf/kdj.k }kjk erd dh vk; esa Hkfo"; esa vk; dh of) dh izR;k'kk ds fy, 15 izfr'kr jkf'k tksM+h xbZ gS] tcfd e`rd dh vk;q 52 o"kZ Fkh rFkk og LFkkbZ fu;kstu esa ugha Fkk] ftlls ekuuh; loksZPp U;k;ky; }kjk U;kf;d fofuf'p; National Insurance Co. Ltd. Vs. Pranay Sethi & Ors. esa izfrikfnr fl)kUrksa ds vuqlkj bl gsrq 10 izfr'kr jkf'k gh tksM+h tkuh pkfg,A

¶38

mudk ;g Hkh rdZ gS fd fo}ku vf/kdj.k }kjk ijEijkxr en esa nkosnkjksa dks 1]25]000 :i;s dh jkf'k fnykbZ xbZ gS] tcfd U;kf;d fofu'p; National Insurance Co. Ltd. Vs. Pranay Sethi & Ors. (2017) 16 SCC 680 ds vuqlkj dsoy iRuh dks gh vius thoulkFkh dh laxfr] Lusg ,oa lkgp;Z (Spousal Consortium) dh {kfr dh {kfriwfrZ Lo:i 40]000@& :i;s rFkk vafre laLdkj (Funeral) dh en esa 15]000@& :i;s o lEifRr dh gkfu (Loss of estate) ds fy;s 15]000@& :i;s bl izdkj dqy 70]000@& :i;s gh fnyk;s tk ldrs gSaA vr% vihy Lohdkj dj {kfriwfrZ jkf'k dks bl lhek rd de fd;k tkosA

¶39

blds foijhr nkosnkjksa ds fo}ku vf/koDrk us chek dEiuh ds rdksZa dk fojks/k djrs gq, rFkk viuh vihy esa {kfriwfrZ jkf'k dh of) fd;s tkus gsrq cgl djrs gq, rdZ fn;k fd fo}ku vf/kdj.k us erd dh vk; 3]000 :i;s izfrekg ekuh gS] tcfd nq?kZVuk fnukad 05-03-2011 dks jkT; esa vdq'ky Jfed dh U;wure etnwjh dh nj 135 :i;s izfrfnu Fkh] ftlds vuqlkj ,d ekg esa 30 dk;Zfnol gsrq x.kuk djrs gq, e`rd dh ekfld vk; 135x30=4]050 :i;s ekuh tkuh pkfg, rFkk blh vuq:i {kfriwfrZ jkf'k dh x.kuk dh tkuh pkfg,A

¶40

mudk ;g Hkh rdZ gS fd ekuuh; mPpre U;k;ky; ds U;kf;d fofu'p; United India Insurance Co. Ltd. Vs. Satinder Kaur @ Satwinder (2020) Supreme Court (SC) 425 ds vuqlj.k esa e`rd ds

¶41

(4 of 7) [CMA-2997/2014]

¶42

thoulkFkh@larkus@ekrk&firk izR;sd izse] Lusg o okRlY; dh {kfr dh {kfriwfrZ Lo:i 40]000 :i;s izkIr djus ds vf/kdkjh gSaA vr% mDrkuqlkj {kfriwfrZ jkf'k esa o`f) dh tkosA

¶43

mudk ;g Hkh rdZ gS fd ;fn erd dh vk; esa Hkfo"; esa vk; dh of) dh izR;k'kk ds fy, 15 izfr'kr ds LFkku ij 10 izfr'kr jkf'k Hkh tksM+h tkrh gS] rks Hkh x.kuk djus ij {kfriwfrZ jkf'k esa o`f) gksxhA vr% mDrkuqlkj {kfriwfrZ jkf'k c<+k;s tkus vkSj izkFkZuki= izLrqfr ls C;kt fnyk;s tkus dh izkFkZuk dhA

¶44

nksuksa i{kksa ds fo}ku vf/koDrkx.k ds rdksZa ij euu fd;kA vkykSP; fu.kZ; ,oa izLrqr U;kf;d fofuf'p;ksa dk /;kuiwoZd v/;;u fd;k x;kA

¶45

vk; dh {kfr (Loss of Income)

¶46

izdj.k esa iz'uxr nq?kZVuk fnukad 05-03-2011 dks gksuk Lohdr rF; gSA fo}ku vf/kdj.k us erd dh vk; 3]000 :i;s ekfld fu/kkZfjr dh gS] tcfd jkT; esa oDr nq?kZVuk vdq'ky Jfedksa dh U;wure etnwjh dh nj 135 :i;s izfrfnu fu/kkZfjr FkhA vr% ,slh fLFkfr esa jkT; ljdkj }kjk fu/kkZfjr nj ds vuqlkj ,d ekg esa 30 dk;Z fnol ekurs gq, erd dh vk; dh {kfr ds fu/kkZj.k gsrq mldh ekfld vk; 135 x 30= 4]050 :i;s ekuk tkuk ;qfDr;qDr ,oa U;k;laxr gSA bl izdkj erd dh okf"kZd vk; 4050 x 12= 48,600/- :i;s ekuh tkrh gSA

¶47

fo}ku vf/kdj.k }kjk erd dh vk; esa Hkfo"; esa vk; dh of) dh izR;k'kk ds fy, 15 izfr'kr jkf'k tksM+h xbZ gS] tcfd ekuuh; loksZPp U;k;ky; }kjk U;kf;d fofuf'p; National Insurance Co. Ltd. Vs. Pranay Sethi & Ors. esa izfrikfnr fl)kUrksa ds vuqlkj erd dh vk;q o mlds dk;Z dh izdfr ¼Lofu;ksftr gksus½ dks /;ku esa j[krs gq, mldh Hkfo"; esa vk; dh o`f) dh izR;k'kk ds fy;s mldh vk; dk 10 izfr'kr Hkkx gh orZeku vk; esa tksM+k tkuk mfpr gSA

¶48

fo}ku vf/kdj.k }kjk e`rd ij vkfJrksa dh la[;k dks ns[krs gq, mldh vk; esa ls O;fDrxr [kpZ ds :Ik esa 1@3 Hkkx dh dVkSrh dh xbZ gS] ftls fdlh Hkh i{k dh vksj ls pqukSrh ugha nh xbZ gSA

¶49

fo}ku vf/kdj.k }kjk {kfriwfrZ jkf'k dh x.kuk ds dze esa e`rd dh vk;q 52 o"kZ ekudj 11 dk xq.kd iz;qDr fd;k x;k gS] tks mi;qZDr U;kf;d fofuf'p;ksa

¶50

(5 of 7) [CMA-2997/2014]

¶51

dh jks'kuh esa U;k;ksfpr gS rFkk bl fcUnw ij fdlh Hkh i{k }kjk vkifRr Hkh ugha dh xbZ gSA

¶52

vr% vk; dh {kfr dh en esa fuEukuqlkj {kfriwfrZ jkf'k dk fu/kkZj.k fd;k tkrk gS %&

¶53

Ø-laen {kfriwfrZ jkf'k

¶54

1- erd dh okf"kZd vk; 48,600/2Hkfo"; esa gksusokyh vk; dh of) dh 4,860/- (10% of the income) izR;k'kk

¶55

3- ;ksx 53,460/4e`rd }kjk Lo;a ij fd;s tkusokys [kpZ dh 17,820/- (1/3 of 53460) dVkSrh ¼1@3½

¶56

5- mDr dVkSrh ds i'pkr 'ks"k jkf'k ¼nkosnkjksa 53,460-17,820=35,640/dh okf"kZd fuHkZjrk½

¶57

6- e`rd dh vk;q ds vk/kkj ij iz;ksT; xq.kd 11

¶58

7- vk; dh {kfr dh {kfriwfrZ jkf'k 35640x11= 3,92,040/-

¶59

vr% fo}ku vf/kdj.k }kjk erd dh vk; dh {kfr dh {kfriwfrZ Lo:i fnykbZ xbZ jkf'k 3]03]600@& :i;s esa 88]440@& :i;s dh of) djrs gq, bl U;k;ky; }kjk vk; dh {kfr dh {kfriwfrZ Lo:i jkf'k 3]92]040@& :i;s fnyk;k tkuk mfpr gSA

¶60

ikjEifjd en (Conventional heads)

¶61

fo}ku vf/koDrk chek dEiuh }kjk U;kf;d fofu'p; National Insurance Co. Ltd. Vs. Pranay Sethi & Ors. (2017) 16 SCC 680 esa dsoy iRuh dks thoulkFkh dh laxfr] Lusg ,oa lkgp;Z dh {kfr dh {kfriwfrZ Lo:i 40]000@&:i;s dh jkf'k fnyk, tkus dk rdZ fn;k x;k gS] ijUrq ekuuh; mPpre U;k;ky; us U;kf;d fofu'p; United India Insurance Co. Ltd. Vs. Satinder Kaur @ Satwinder (2020) Supreme Court (SC) 425 ¼tks fd rhu lnL;h; ihB }kjk ikfjr fd;k x;k gS½ esa] thoulkFkh dks e`rd dh laxfr] Lusg ,oa lkgp;Z (Spousal Consortium)] larkuksa dks firk dh laxfr] Lusg ,oa lkgp;Z (Parental Consortium) rFkk ekrk&firk dks vius iq= dh laxfr] Lusg ,oa lkgp;Z (Filial Consortium) dh oapuk dh {kfriwfrZ Lo:i izR;sd dks 40]000@&:i;s dh jkf'k fnyok;s tkus dk fl)kUr izfrikfnr fd;k x;k gSA

¶62

(6 of 7) [CMA-2997/2014]

¶63

orZeku~ izdj.k esa fo}ku vf/kdj.k us nkosnkjksa dks vafre laLdkj o /kkfeZd jhfr&fjoktksa dh en esa 25]000 :i;s o erd dh laxfr] Lusg ,oa lkgp;Z dh oapuk dh {kfriwfrZ Lo:i dqy 1]00]000 :i;s dh jkf'k fnykbZ xbZ gS] tcfd mi;qZDr U;kf;d fofu'p;ksa dh jks'kuh esa nkosnkj vafre laLdkj (Funeral) gsrq 15]000@& :i;s] lEink dh gkfu ¼Loss of Estate½ gsrq 15]000@& :i;s rFkk vihykFkhZ&nkosnkj dze&1 ¼iRuh½ dks erd dh laxfr] Lusg ,oa lkgp;Z (Spousal Consortium)] vihykFkhZ&nkosnkj dze&2 ¼iq=½ dks firk dh laxfr] Lusg ,oa lkgp;Z (Parental Consortium) rFkk vihykFkhZ&nkosnkj dze&3 ¼firk½ dks vius iq= dh laxfr] Lusg ,oa lkgp;Z (Filial Consortium) dh oapuk dh {kfriwfrZ Lo:i 40]000@& :i;s izR;sd vFkkZr~ 1,20,000 :i;s izkIr djus ds vf/kdkjh gSaA bl izdkj nkosnkjksa dks dqy 1]50]000@& :i;s dh {kfriwfrZ jkf'k bl en esa fnyk;k tkuk mfpr gSA

¶64

bl izdkj fo}ku vf/kdj.k }kjk vihykFkhZx.k&nkosnkj dks fnykbZ xbZ {kfriwfrZ jkf'k esa mi;ZqDrkuqlkj o`f) djrs gq, fuEukuqlkj {kfriwfrZ jkf'k dk fu/kkZj.k fd;k tkrk gS&

¶65

Ø-la-	en	{kfriwfrZ jkf'k
1-	vk; dh {kfr dh {kfriwfrZ jkf'k	3,92,040/-
2-	ikjEifjd en dh jkf'k	1,50,000/-
3-	dqy {kfriwfrZ jkf'k	5,42,040/-

¶66

ifj.kker% fo}ku vf/kdj.k }kjk vihykFkhZx.k&nkosnkj dks fnykbZ xbZ {kfriwfrZ jkf'k 4]28]600@& :i;s esa mi;qZDrkuqlkj 1]13]440@& :i;s dh o`f) djrs gq, djrs gq, bl U;k;ky; }kjk vihykFkhZx.k&nkosnkj ds i{k esa dqy {kfriwfrZ jkf'k 5]42]040@& :i;s dk iapkV ikfjr fd;k tkrk gSA vihykFkhZx.k&nkosnkj }kjk iwoZ esa izkIr dh xbZ jkf'k dqy {kfriwfrZ jkf'k esa lek;ksftr gksxhA

¶67

tgkWa rd C;kt dk iz'u gS] ekuuh; loksZPp U;k;ky; ds mi;qZDr U;kf;d fofu'p;ksa esa izfrikfnr fl)kUrksa dh jks'kuh esa c<+h gqbZ {kfriwfrZ jkf'k ij C;kt nj] C;kt izkIr djus dh frfFk rFkk {kfriwfrZ jkf'k ds vkuqifrd forj.k ds dze esa leLr 'krZsa fo}ku vf/kdj.k ds vkns'kkuqlkj izHkkoh ,oa ;Fkkor jgsaxhA

¶68

[CMA-2997/2014]

¶69

(7 of 7)

¶70

mi;qZDrkuqlkj nksuksa vihysa fuLrkfjr dh tkrh gSA rnuqlkj yafcr izkFkZuk i=] ;fn dksbZ gks] fuLrkfjr fd;s tkrs gSaA

¶71

(SHUBHA MEHTA),J

¶72

VISHAL SHARMA /37 & 39

National Insurance Co. Ltd. v. Smt Kanta Bardia and Others

Case brief

What is this about?

What did the court decide?

National Insurance Co. Ltd. v. Smt Kanta Bardia and Others

Case brief

What is this about?

What did the court decide?

What the court decided

A compact analysis

Issues for consideration

Cases cited

Parties & counsel

Coram

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