Partly allowed

Seema W/O Banwari v. Ranjeet Bhai Solanki S/O Dheer Bhai Solanki, Rajput

Rajasthan HC13 Sept 2023CMA/336/2019

Case brief

AI extract

What is this about?

High Court of Rajasthan allowed an insurance compensation claim, revising quantum awarded by trial court for automobile accident injuries. Court recalculated loss of income and increased conventional heads, rejecting abatement by the insurer.

What did the court decide?

Settled claim by granting 10,79,056/- to be paid from the policy amount of 7,95,760/- vs appellant by respondents.

Seema W/O Banwari Vs Ranjeet Bhai Solanki S/O Dheer Bhai… — Insurance | Rajasthan HC (2023)

¶1

HIGH COURT OF JUDICATURE FOR RAJASTHAN BENCH AT JAIPUR

¶2

S.B. Civil Miscellaneous Appeal No. 336/2019

¶3

Seema W/o Banwari, Aged About 27 Years, R/o Behind Thana, Nainwa, District Bundi (Raj.)

¶4

Karan S/o Banwari, Aged About 9 Years, Minor Through Natural Guardian And Mother Seema W/o Banwari, R/o Behind Thana, Nainwa, District Bundi (Raj.)

¶5

Muskan D/o Banwari, Aged About 10 Years, Minor Through Natural Guardian And Mother Seema W/o Banwari, R/o Behind Thana, Nainwa, District Bundi (Raj.)

¶6

----Appellants

¶7

Versus

¶8

Ranjeet Bhai Solanki S/o Dheer Bhai Solanki, Rajput, R/o Mudar Sumba, P.s. Modasa, District Sabarkanta (Gujaraj).

¶9

Noorjahan W/o Shri Abdul Majeed Iproliya, R/o Rahnuma Society, Doongarwada Road, Modasa, District Sabarkanta Through Power Of Attorney Holder Sikandar Bhai S/o Ibrahim Modasa, District Sabarkanta (Gujarat).

¶10

The New India Assurance Company Limited, Regional Office, Nehru Place, Tonk Road, Jaipur (Raj.) Through Regional Manager.

¶11

Hemlata W/o Gopal, Aged About 55 Years, R/o Behind Thana, Nainwa District Bundi.

¶12

----Respondents

¶13

For Appellant(s) : Mr. Kapil Sharma for Mr. Sandeep Mathur For Respondent(s) : Mr. Tripurari Sharma

¶14

HON'BLE MRS. JUSTICE SHUBHA MEHTA

¶15

Order

¶16

13/09/2023

¶17

vihykFkhZx.k&nkosnkj dh vksj ls ;g vihy fo}ku U;k;k/kh'k] eksVj nq?kZVuk nkok vf/kdj.k] Øe&1 cwanh ¼ftls vkxs vf/kdj.k ls lEcksf/kr fd;k tk,xk½ }kjk eksVj nq?kZVuk nkok la[;k& 153@2014 esa ikfjr fu.kZ; ,oa iapkV fnukad 20-09-

¶18

[CMA-336/2019]

¶19

(2 of 7)

¶20

2018 ] ftlds ek/;e ls vihykFkhZx.k&nkosnkj ds i{k esa dqy {kfriwfrZ jkf'k 7]95]800@ &: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

¶21

;g mYys[kuh; gS fd fo}ku vf/kdj.k esa e`rd dh ekrk gseyrk ckbZ tks bl vihy esa izR;FkhZ la[;k&4 gS] }kjk Hkh nq?kZVuk nkok ;kfpdk la[;k&133@2014 izLrqr dh xbZ Fkh] ftls vihykFkhZx.k dh ;kfpdk ds lkFk lesfdr fd;k tkdj mDr {kfriwfrZ jkf'k izR;FkhZ la[;k&4 gseyrk ckbZ ,oa vihykFkhZx.k pkjksa dks fnyokbZ xbZ gS ,oa mldk forj.k Hkh pkjksa i{kdkjksa esa fd;k x;k gSA

¶22

la{ksi esa izdj.k dh rF;kRed fLFkfr ds vuqlkj fnukad 20-12-2012 dks cuokjhyky ds iSny&iSny mfu;kjk jksM ls gksdj tkrs gq, ds nkSjku jkLrs esa mfu;kjk dh vksj ls vk jgs Vªd ds pkyd }kjk viuk okgu rst o ykijokghiwoZd pykrs gq, VDdj ekjus ds ifj.kkeLo:i mDr O;fDr dh eR;q gksus ij vihykFkhZx.k ,oa izR;FkhZ la[;k&4 dh vksj ls fo}ku vf/kdj.k esa vyx&vyx 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 }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 }kjk nksuksa i{kksa ds rdZ lquus ,oa i=koyh ij miyC/k ekSf[kd ,oa nLrkosth lk{; ds vk/kkj ij vkykSP; fu.kZ; }kjk vihykFkhZx.k ,oa izR;FkhZ la[;k&4 dks {kfriwfrZ jkf'k 7]95]800@& :i;s e; C;kt fnykbZ xbZ] ftlesa of) fd;s tkus gsrq vihykFkhZx.k&nkosnkj dh vksj ls ;g vihy izLrqr dh xbZ gSA

¶23

cgl lquh xbZA fo}ku vf/koDrk vihykFkhZx.k dk rdZ gS fd fo}ku vf/kdj.k us erd dh ekfld vk; 3600@&:i;s ds vk/kkj ij {kfriwfrZ jkf'k fu/kkZfjr dh gSA mudk rdZ jgk fd erd edku pqukbZ dk dk;Z djrk Fkk vkSj tgkWa vk; izekf.kr ugha gks ogkWa rRle; izHkkoh U;wure etnwjh ds vk/kkj ij 30 fnu dh etnwjh dh x.kuk bl mn~ns'; ds fy, dh tkuh pkfg,A mudk ;g Hkh rdZ gS fd nq?kZVuk dh fnukad 20-12-2012 dks vdq'ky Jfed ds fy, Hkh U;wure etnwjh dh nj 147@&:i;s izfrfnu Fkh] vr% 30 fnu dh dqy etnwjh 147@&:i;s izfrfnu ds

¶24

[CMA-336/2019]

¶25

(3 of 7)

¶26

vuqlkj 4410@&:i;s izfrekg vk; gksrh gSA blh vuq:Ik vk; ,oa Hkfo"; esa vk; esa c<+ksRrjh dh izR;k'kk dh x.kuk dj vk; dh {kfr dh {kfriwfrZ jkf'k fnykbZ tk,A

¶27

mudk ;g Hkh rdZ jgk fd fo}ku vf/kdj.k us laxfr] Lusg ,oa lkgp;Z dh gkfu (loss of consortium) esa dsoy iRuh dks gh 40]000@& :Ik;s fnyk;s gSaA e`rd dh ekrk ,oa lUrkuksa dks bl en esa dksbZ jkf'k ugha fnykbZ xbZ gS] vr% bl en esa izR;sd dks 40]000@& :i;s dh jkf'k fnyk;s tkus dk fuosnu fd;kA

¶28

fo}ku vf/koDrk vihykFkhZx.k&nkosnkj us vius mDr rdksZ ds leFkZu esa fuEu U;kf;d fofu'p; izLrqr fd;s ,oa buesa izfrikfnr fl)kUr ds vuqlkj {kfriwfrZ jkf'k c<+k, tkus ,oa izkFkZuk&i= izLrqfr ls C;kt fnyk, tkus dh izkFkZuk dhA

¶29

1- National Insurance Co. Ltd. Vs. Pranay Sethi & Ors. (2017) 16 SCC 680

¶30

2- New India Assurance Co. Ltd. Vs. Somwati & Ors. (2020) 9 SCC 644

¶31

3- Magma General Insurance Co. Ltd. Vs. Nanuram & Ors. (2018) 18 SCC 130

¶32

4- United India Insurance Co. Ltd. Vs. Satinder Kaur @ Satwinder (2020) Supreme Court (SC) 425

¶33

blds foijhr fo}ku vf/koDrk chek dEiuh dk rdZ gS fd e`rd dh ekrk }kjk vf/kdj.k ds iapkV dks pqukSrh nsrs gq, dksbZ vihy izLrqr ugha dh xbZ gSA vr% og dksbZ jkf'k izkIr djus dh vf/kdkfj.kh ugha gSA

¶34

mudk ;g Hkh rdZ gS fd izse ,oa Lusg dh oapuk dh {kfriwfrZ Lo:i tks jkf'k iRuh dks fnykbZ gS og i;kZIr gSA ekrk ,oa larkuksa dks mDr jkf'k ugha fnyokbZ tk ldrh gS D;ksafd ftu fu.kZ;ksa dk gokyk vihykFkhZ dh vksj ls fn;k x;k gS muesa nq?kZVuk dh frfFk gLrxr fu.kZ; dh frfFk ds i'pkr dh gS rFkk bu fu.kZ;ksa dks Hkwry{kh izHkko ls ykxw Hkh ugha fd;k tk ldrk gSA

¶35

mudk ;g Hkh rdZ gS fd vf/kdj.k esa lHkh {kfr;ksa dh {kfriwfrZ Lo:i mfpr ,oa i;kZIr jkf'k fnyokbZ tkus dk vkns'k ikfjr fd;k x;k gS] ftlesa gLr{ksi dk dksbZ vk/kkj ugha gS] vr% vihykFkhZ dh vihy fujLruh; gS] fujLr dh tk,A

¶36

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

¶37

(4 of 7) [CMA-336/2019]

¶38

tgka rd fo}ku vf/koDrk chek dEiuh dk ;g rdZ fd vihykFkhZ dh vksj ls izLrqr fu.kZ;ksa dks Hkwry{kh izHkko ls ykxw ugha fd;k tk ldrk] gekjs fopkj ls ekus tkus ;ksX; ugha gS D;ksafd New India Assurance Co. Ltd. Vs. Somwati & Ors. esa nq?kZVuk o"kZ 2001 dh gS] ,oa New India Assurance Co. Ltd. Vs. Somwati & Ors. and Magma General Insurance Co. Ltd. Vs. Nanuram @ Chuhru Ram & Ors. esa nq?kZVuk o"kZ 2013 dh gS] ftuesa ;g fu.kZ; ikfjr fd, x, gSa vkSj {kfriwfrZ jkf'k esa mlh vuq:i o`f) dh xbZ gSA

¶39

tgka rd fo}ku vf/koDrk chek dEiuh dk ;g rdZ gS fd izR;FkhZ la[;k&4 dh vksj ls dksbZ vihy izLrqr ugha dh xbZ gS] vr% og dksbZ {kfriwfrZ jkf'k fdlh Hkh :i esa izkIr djus dh vf/kdkjh ugha gS rks bl lEcU/k esa ;g mYys[kuh; gS fd erd dh ekrk bl vihy esa izR;FkhZ la[;k&4 ds :i esa la;ksftr gksdj i{kdkj gS ,oa vf/kdj.k esa mldh vksj ls iFkd ls nkosnkj ds :i esa ;kfpdk is'k dh xbZ Fkh rFkk mls Hkh erd ij vkfJr gksuk ekurs gq, mlh vuqlkj erd ij fd;s tkus O;; dh dVkSrh dh tkdj fo}ku vf/kdj.k us vihykFkhZx.k ds lkFk mls Hkh {kfriwfrZ jkf'k fnyokbZ gSA vr% bl laca/k esa chek dEiuh dh vksj ls yh xbZ vkifRr Lohdkj fd;s tkus ;ksX; ugha gSA

¶40

vk; dh {kfr (Loss of Income)

¶41

izdj.k esa iz'uxr nq?kZVuk fnukad 20-12-2012 dks gksuk Lohdr rF; gSa fo}ku vf/kdj.k us erd cuokjh yky dks vdq'ky Jfed ekudj 3600@& :i;s ekfld vk; ekuh gS] tks gekjs fopkj ls lgh ugha gSA ;g lqLFkkfir fl)kUr gS fd tgkWa vk; izekf.kr u gks ogkWa vk; dh x.kuk ds fy, ,d ekg esa 30 fnu dh etnwjh dh x.kuk dh tkuh pkfg,A rRle; vdq'ky Jfed ds fy, U;wure etnwjh dh nj 147@&:i;s izfrfnu Fkh] vr% 30 fnu dh dqy etnwjh 147@&:i;s izfrfnu ds vuqlkj 4410@&:i;s izfrekg vk; ekudj gh {kfriwfrZ dh x.kuk dh tkuh pkfg, FkhA vr% bl U;k;ky; dh jk; esa vk; dh {kfr ds fu/kkZj.k ds dze esa e`rd dh ekfld vk; 4410 @& :i;s ekuk tkuk ;qfDr;qDr ,oa U;k;laxr gSA mDrkuqlkj x.kuk djus ij okf"kZd vk; 52]920@& :i;s ekuh tkrh gSA

¶42

(5 of 7) [CMA-336/2019]

¶43

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 eR;q ds le; erd dh vk;q 32 o"kZ gksus ,oa mlds dk;Z dh izdfr dks /;ku esa j[krs gq, mldh Hkfo"; esa vk; dh of) dh izR;k'kk ds fy;s mldh vk; dk 40 izfr'kr Hkkx orZeku vk; esa tksM+k tkuk mfpr gSA

¶44

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

¶45

Ø-la-	en	{kfriwfrZ jkf'k
1-	e`rd dh okf"kZd vk;	52,920/-
2-	Hkfo"; esa gksusokyh vk; dh o`f) dh izR;k'kk	21,168/- (40% of the income)
3-	;ksx	74,088/-
4-	e`rd }kjk Lo;a ij fd;s tkusokys [kpZ dh dVkSrh ¼1@4½	18522/- (1/4 of 74088)
5-	mDr dVkSrh ds i'pkr 'ks"k jkf'k ¼vihykFkhZx.k dh okf"kZd fuHkZjrk½	74088-18522=55,566/-
6-	e`rd dh vk;q ds vk/kkj ij iz;ksT; xq.kd	16
7-	vk; dh {kfr dh {kfriwfrZ jkf'k	55566x16=8,89,056/-

¶46

vr% fo}ku vf/kdj.k }kjk vk; dh {kfr dh {kfriwfrZ Lo:i fnykbZ xbZ jkf'k 7]25]760@& :i;s esa 1]63]296@& :i;s dh o`f) djrs gq, bl U;k;ky; }kjk vk; dh {kfr dh {kfriwfrZ Lo:i 8]89]056@& :i;s jkf'k fnyk;k tkuk mfpr gSA

¶47

ikjEifjd en (Conventional heads)

¶48

ekuuh; loksZPp U;k;ky; }kjk U;kf;d fofuf'p;ksa United India Insurance Co. Ltd. Vs. Satinder Kaur @ Satwinder (2020) Supreme Court (SC) 425, New India Assurance Co. Ltd. Vs. Somwati & Ors. (2020) 9 SCC 644 & Magma General Insurance Co. Ltd. Vs. Nanuram & Ors. (2018) 18 SCC 130 esa ikjEifjd enksa dks ifjHkkf"kr djrs gq, mlesa {kfriwfrZ jkf'k fnykbZ xbZ gSA

¶49

orZeku izdj.k esa fo}ku vf/kdj.k }kjk nkg laLdkj (Funeral) dh en esa 15]000@& :i;s] e`rd dh iRuh dks vius thoulkFkh dh laxfr] Lusg ,oa

¶50

[CMA-336/2019]

¶51

(6 of 7)

¶52

lkgp;Z (Spousal Consortium) ds :i esa 40]000@& :i;s rFkk lEifRr dh gkfu (Loss of Estate) ds fy;s 15]000@& :i;s dqy 70]000@& :i;s dh jkf'k fnykbZ xbZ gS] ysfdu erd dh ekrk ,oa nksuksa lUrkuksa dks bl 'kh"kZd ds v/khu dksbZ jkf'k ugha fnykbZ xbZ gSA vr% mi;qZDr U;kf;d fofuf'p;ksa dh jks'kuh esa fo}ku vf/kdj.k }kjk fnykbZ xbZ {kfriwfrZ jkf'k ds vfrfjDr erd dh ekrk dks vius iq= dh laxfr] Lusg ,oa lkgp;Z (Filial Consortium) ds :i esa rFkk e`rd dh nksuksa larkuksa dks vius firk dh laxfr] Lusg ,oa lkgp;Z (Parental Consortium) ds :i esa izR;sd dks 40]000@& :i;s (40,000x3=1,20,000) :i;s dqy 1]20]000@& dh {kfriwfrZ jkf'k bl en esa fnyk;k tkuk mfpr gSA

¶53

vr% fo}ku vf/kdj.k }kjk bl en esa fnykbZ xbZ 70]000@& :i;s dh jkf'k esa 1]20]000@& :i;s dh o`f) djrs gq, bl U;k;ky; }kjk 1]90]000@& :i;s dh jkf'k fnyk;k tkuk mfpr gSA

¶54

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 gSA

¶55

Ø-la-	en	{kfriwfrZ jkf'k
1-	vk; dh {kfr dh {kfriwfrZ jkf'k	8,89,056/-
2-	ikjEifjd en dh jkf'k	1,90,000/-
3-	dqy {kfriwfrZ jkf'k	889056+190000=
		10,79,056/-

¶56

ifj.kker% fo}ku vf/kdj.k }kjk vihykFkhZx.k&nkosnkj dks fnykbZ xbZ {kfriwfrZ jkf'k 7]95]760@& :i;s esa mi;qZDrkuqlkj 2]83]296@& :i;s dh of) djrs gq, djrs gq, bl U;k;ky; }kjk vihykFkhZx.k&nkosnkj ,oa erd dh ekrk ds i{k esa dqy {kfriwfrZ jkf'k 10]79]056@& :i;s dk iapkV ikfjr fd;k tkrk gSA nkosnkjksa }kjk iwoZ esa izkIr dh xbZ jkf'k dqy {kfriwfrZ jkf'k esa lek;ksftr gksxhA

¶57

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

¶58

[CMA-336/2019]

¶59

(7 of 7)

¶60

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

¶61

(SHUBHA MEHTA),J

¶62

Pradeep Thawani /41

Seema W/O Banwari v. Ranjeet Bhai Solanki S/O Dheer Bhai Solanki, Rajput

Case brief

What is this about?

What did the court decide?

Seema W/O Banwari v. Ranjeet Bhai Solanki S/O Dheer Bhai Solanki, Rajput

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

Case details

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