Allowed

Smt. Sajida W/O Late Shri Deenu Khan v. Akhtar Khan S/O Fajrudeen

Rajasthan HC4 Sept 2023CMA/3999/2019

Case brief

AI extract

What is this about?

The High Court enhanced insurance compensation for a minor's death. It re-calculated loss of income including the father and children, awarding 10.70 lakh. It also added 3.10 lakh for conventional heads (funeral, consortium, estate loss) granted to other family members, totaling 13.80 lakh with statutory interest.

What did the court decide?

Compensation enhanced to 13,80,896/- awarded to the appellants from the respondent insurer with interest.

Smt. Sajida W/O Late Shri Deenu Khan Vs Akhtar Khan S/O Fajrudeen — Insurance | Rajasthan HC (2023)

¶1

HIGH COURT OF JUDICATURE FOR RAJASTHAN BENCH AT JAIPUR

¶2

S.B. Civil Miscellaneous Appeal No. 3999/2019

¶3

Smt. Sajida W/o Late Shri Deenu Khan, Aged About 31 Years, Resident Of Tuleda Road, Alwar (Rajasthan)

¶4

Sahina D/o Late Shri Deenu Khan, Aged About 12 Years, Resident Of Tuleda Road, Alwar (Rajasthan)

¶5

Sahiba D/o Late Shri Deenu Khan, Aged About 9 Years, Resident Of Tuleda Road, Alwar (Rajasthan)

¶6

Sahreena D/o Late Shri Deenu Khan, Aged About 7 Years, Resident Of Tuleda Road, Alwar (Rajasthan)

¶7

Aaysha D/o Late Shri Deenu Khan, Aged About 7 Years, Appellant No. 2 To 5 Are Minor Through Their Natural Guardian Mother Appellant No. 1 Smt. Sajida Resident Of Tuleda Road, Alwar (Rajasthan)

¶8

Umar Mohammed S/o Sultan, Aged About 57 Years, Resident Of Village Dhoj, Tehsil And District Faridabad (Haryana) (Rajasthan)

¶9

Rasidan W/o Umar Mohammed, Aged About 53 Years, Resident Of Village Dhoj, Tehsil And District Faridabad (Haryana) (Rajasthan)

¶10

----Appellants

¶11

Versus

¶12

Akhtar Khan S/o Fajrudeen, R/o Village Dhoj, Tehsil And District Faridagbad (Haryana) Driver And Owner Of Vehicle Motorcycle No. H.r. 51-A.s.- 5563

¶13

Iifco Tokkiyo General Insurance Company Limited, 6 Kateva Bhawan, Opposite Gnpati Plaza, M.i. Road, Jaipur (Raj) (Insurer Of Vehicle Motorcycle No. H.r. 51-A.s.5563) Insurance Period From 16.07.2012 To 15.07.2013

¶14

----Respondents

¶15

For Appellant(s) : Mr. Girish Khandelwal For Respondent(s) : Mr. Rajdeep Rathore for Mr. C.S.Jodha

¶16

HON'BLE MRS. JUSTICE SHUBHA MEHTA

Order

[CMA-3999/2019]

(2 of 7)

04/09/2023

vihykFkhZx.k@nkosnkjksa dh vksj ls ;g vihy fo}ku eksVj nq?kZVuk nkok vf/kdj.k] vyoj }kjk Dyse ;kfpdk la[;k 201@2015 esa ikfjr fu.kZ; ,oa iapkV fnukad 03-05-2019] ftlds }kjk ;kphx.k dh Dyse ;kfpdk vkaf'kd :i ls Lohdkj dj muds i{k esa dqy 876400@&:i;s dh {kfriwfrZ jkf'k izkIr djus dk vkns'k fn;k x;k gS] ls O;fFkr gksdj mDr {kfriwfrZ jkf'k esa o`f) fd, tkus gsrq izLrqr dh xbZ gSA

¶22

la{ksi esa izdj.k dh rF;kRed fLFkfr ds vuqlkj fnukad 31-01-2013 dks nhuw ds v[rj [kku ds lkFk eksVjlkbZfdy ij ihNs cSBdj tkrs gq, ds nkSjku jkLrs esa tqjgjk&dkeka jksM ij lksukS[kj pkSjkgs ds ikl v[rj [kku eksVjlkbZfdy pkyd ds }kjk viuk okgu rst o ykijokghiwoZd pykrs gq, fctyh ds [kEHks esa VDdj ekjus ds ifj.kkeLo:i nhuw dh eR;q gksus ij erd nhuw ds vkfJrx.k ¼vihykFkhZx.k½ 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 }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 dks {kfriwfrZ jkf'k 876400@& :i;s e; C;kt fnykbZ xbZ] ftlesa o`f) fd;s tkus gsrq vihykFkhZx.k&nkosnkj dh vksj ls ;g vihy izLrqr dh xbZ gSA

¶23

nksuksa i{kksa dks vihy ij lquk x;kA

¶24

fo}ku vf/koDrk vihykFkhZx.k&nkosnkjksa dk ;g rdZ gS fd fo}ku vf/kdj.k us nq?kZVuk ds le; erd dh 4000@& :i;s ekfld vk; ds vk/kkj ij {kfriwfrZ jkf'k fu/kkZfjr dh gSA mudk ;g Hkh rdZ gS fd erd ds dk;Z dh izd`fr dks ns[krs gq, o"kZ 2013 esa izHkkoh U;wure etnwjh 166@&:i;s izfrfnu ds vuqlkj 30 fnu dh etnwjh dh x.kuk djus ls 4980@&:i;s izfrekg vk; gksrh gSA vr% 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

¶25

(3 of 7) [CMA-3999/2019]

¶26

mudk rdZ jgk fd fo}ku vf/kdj.k us erd }kjk Lo;a ij fd;s tkus okys O;fDrxr [kpZ ds :i esa vk; ds 1@4 Hkkx dh dVkSrh dh gS] tcfd erd ij mlds ekrk&firk] iRuh ,oa pkj cPpksa vFkkZr lkr O;fDr;ksa dh vkfJrrk dks /;ku esa j[krs gq, {kfriwfrZ jkf'k dh x.kuk ds dze esa vk; ds 1@4 ds LFkku ij 1@5 Hkkx dh dVkSrh O;fDrxr [kpZ ds fy;s gksuh pkfg,A

¶27

mudk ;g Hkh rdZ gS fd Hkfo"; esa vk; dh o`f) dh izR;k'kk ds fy, tks {kfriwfrZ jkf'k fnyokbZ gS] ml ij fo}ku vf/kdj.k }kjk dksbZ C;kt jkf'k ugha fnyokbZ xbZ gS vkSj vihykFkhZx.k mDr jkf'k ij Hkh C;kt izkIr djus ds vf/kdkjh gSaA vius rdksZa ds leFkZu esa U;kf;d fofu'p; National Insurance Co. Ltd. Vs. Pranay Sethi & Ors. (2017) 16 SCC 680 izLrqr fd;k gSA

¶28

mudk ;g Hkh rdZ gS fd fo}ku vf/kdj.k us laxfr] Lusg ,oa lkgp;Z dh gkfu (Loss of Consortium) esa erd dh larkuksa ,oa ekrk&firk dks dksbZ jkf'k ugha fnykbZ gSA erd dh leLr lUrkusa ,oa mlds ekrk&firk Hkh 40000@&:i;s {kfriwfrZ jkf'k bl {kfr ds fy, izkIr djus ds vf/kdkjh jgrs gSaA vr% izR;sd vihykFkhZ dks Hkh 40]000@& :i;s bl {kfr dh {kfriwfrZ Lo:i fnyk;s tkus pkfg,A

¶29

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

¶30

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

¶31

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

¶32

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

¶33

blds foijhr fo}ku vf/koDrk izR;FkhZ&chek dEiuh dh vksj ls ;g rdZ izLrqr fd;k x;k gS fd ekuuh; mPpre U;k;ky; us vius U;kf;d fofu'p; Special Leave Petition (Civil) No. 25590/2014 National Insurance Co. Ltd. Vs. Pranay Sethi & Ors. esa izse] Lusg rFkk lkgp;Z dh {kfriwfrZ dh jkf'k dsoy iRuh dks gh fnyokbZ gS vkSj vU; fdlh vkfJr dks ;g jkf'k ns; ugha gSA

¶34

(4 of 7) [CMA-3999/2019]

¶35

mudk ;g Hkh rdZ gS fd vkykSP; fu.kZ; esa fo}ku vf/kdj.k us erd ds firk dks erd ij vkfJr ugha ekuk gSA orZeku izdj.k esa erd dk firk erd ij vkfJr gks] ,slh dksbZ fo'ks"k lk{; Hkh ugha gSA ,slh fLFkfr esa vkfJrksa dh la[;k 6 gh jgrh gS vkSj vkfJrksa dh la[;k 6 gksus dh fLFkfr esa e`rd ds futh [kpZs ds :i esa 1@4 Hkkx gh vk; ls de fd;k tkuk mfpr gSA fo}ku vf/kdj.k us bl lEcU/k esa fdlh izdkj dh dksbZ =qfV ugha dh gSA

¶36

mudk rdZ gS fd vf/kdj.k us {kfriwfrZ jkf'k lgh izdkj ls vkdfyr dh gS] vr% vihykFkhZx.k dh vihy fujLruh; gS] fujLr dh tkosA

¶37

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

¶38

vk; dh {kfr (Loss of Income)

¶39

izdj.k esa iz'uxr nq?kZVuk fnukad 31-01-2013 dks gksuk Lohdr rF; gSa fo}ku vf/kdj.k us erd nhuw dks vdq'ky Jfed ekudj izfrekg 4000@& :i;s vk; ekuh gSA ,slh fLFkfr esa rRle; izHkkoh fof/k ds vuqlkj vdq'ky Jfed dh U;wure etnwjh dh nj 166@&:i;s izfrfnu Fkh ,oa mlh ds vuq:i 30 fnu dh dqy etnwjh 4980@&:i;s gksrh gSA ;g lqLFkkfir fl)kUr gS fd vk; dh x.kuk ds fy, ,d ekg esa 30 fnu dh etnwjh dh x.kuk dh tkuh pkfg,A tSlk fd orZeku izdj.k esa nf'kZr gS fd vf/kdj.k us erd dh ekfld vk; 4000@&:i;s ekuh gS] tks gekjs fopkj ls lgh ugha gSA okLrfodrk esa erd dh vk; 30 fnu dh 166@&:i;s izfrfnu ds vuqlkj 4980@&:i;s ekfld 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 fy;s e`rd dh ekfld vk; 4980@& :i;s ekuk tkuk ;qfDr;qDr ,oa U;k;laxr gSA mDrkuqlkj x.kuk djus ij okf"kZd vk; 59760@& :i;s ekuh tkrh gSA

¶40

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 31 ls 35 o"kZ ds e/; gksus ,oa mlds dk;Z dh izd`fr

¶41

[CMA-3999/2019]

¶42

(5 of 7)

¶43

dks /;ku esa j[krs gq, mldh Hkfo"; esa vk; dh o`f) dh izR;k'kk ds fy;s mldh vk; dk 40 izfr'kr Hkkx orZeku vk; esa tksM+k tkuk mfpr gSA

¶44

tgkWa rd erd }kjk Lo;a ij fd;s tkus okys O;fDrxr [kpZ ds :i esa dVkSrh dk iz'u gS] fo}ku vf/kdj.k esa Dyse izkFkZuk i= erd dh iRuh] larkuksa ,oa ekrk&firk dqy 7 vkfJrksa dh vksj ls is'k fd;k x;k gSA fo}ku vf/kdj.k }kjk erd ij gksus okys [kpZ ds :i esa vk; ds 1@4 Hkkx dh dVkSrh dh xbZ gSA fo}ku vf/kdj.k us vius fu.kZ; esa ;g vafdr fd;k gS fd erd dk firk fgUnw mRrjkf/kdkj vf/kfu;e ds varxZr izFke Js.kh dk okfjl ugha gS vkSj blfy, erd ij vkfJr ugha ekuk tk ldrk gSA mYys[kuh; gS fd erd ,oa mlds fof/kd izfrfuf/kx.k@okfjlku tks fd nkosnkj gSa] mu ij fgUnw mRrjkf/kdkj vf/kfu;e ykxw gh ugha gksrk gS] D;ksafd os fgUnw ugha gSaA mDr lHkh nkosnkjksa dk erd ij vkfJr gksuk crk;k x;k gS] ,slh fLFkfr esa gekjs fopkj ls erd ds o) firk Hkh erd ij vkfJr ekus tk,axs vkSj erd ij lkr vkfJrksa dks /;ku esa j[krs gq, erd ds O;fDrxr [kpZ ds :i esa vk; ds 1@5 Hkkx dh dVkSrh fd;k tkuk fof/klEer gS] tSlk fd ekuuh; loksZPp U;k;ky; }kjk vius U;kf;d fofuf'p; National Insurance Co. Ltd. Vs. Pranay Sethi & Ors. (2017) 16 SCC 680 fu.khZr fd;k x;k gSA

¶45

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

¶46

Ø-la-	en	{kfriwfrZ jkf'k
1-	e`rd dh okf"kZd vk;	59760/-
2-	Hkfo"; esa gksusokyh vk; dh o`f) dh izR;k'kk	23904/- (40% of the income)
3-	;ksx	83664/-
4-	e`rd }kjk Lo;a ij fd;s tkusokys [kpZ dh dVkSrh ¼1@5½	16733/- (1/5 of 83664)
5-	mDr dVkSrh ds i'pkr 'ks"k jkf'k ¼vihykFkhZx.k dh okf"kZd fuHkZjrk½	83664-16733=66931/-
6-	e`rd dh vk;q ds vk/kkj ij iz;ksT; xq.kd	16
7-	vk; dh {kfr dh {kfriwfrZ jkf'k	66931x16=10,70,896/-

¶47

(6 of 7) [CMA-3999/2019]

¶48

vr% fo}ku vf/kdj.k }kjk vk; dh {kfr dh {kfriwfrZ Lo:i fnykbZ xbZ jkf'k 8]064]00@& :i;s esa 2]64]496@& :i;s dh o`f) djrs gq, bl U;k;ky; }kjk vk; dh {kfr dh {kfriwfrZ Lo:i 10]70]896@& :i;s jkf'k fnyk;k tkuk mfpr gSA

¶49

ikjEifjd en (Conventional heads)

¶50

ekuuh; loksZPp U;k;ky; }kjk U;kf;d fofuf'p;ksa Special Leave Petition (Civil) No. 25590/2014 National Insurance Co. Ltd. Vs. Pranay Sethi & Ors. and New India Assurance Co. Ltd. Vs. Somwati & Ors. esa ikjEifjd enksa dks ifjHkkf"kr djrs gq, mlesa {kfriwfrZ jkf'k fnykbZ xbZ gSA

¶51

orZeku izdj.k esa fo}ku vf/kdj.k }kjk nkg laLdkj (Funeral) dh en esa 15]000@& :i;s] erd dh iRuh dks vius thoulkFkh dh laxfr] Lusg ,oa 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 ds ekrk&firk ,oa pkj 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 mDr jkf'k ds vfrfjDr erd ds iq= ,oa iqf=;ksa dks vius firk dh laxfr] Lusg ,oa lkgp;Z (Parental Consortium) ds :i esa rFkk erd ds ekrk&firk dks vius iq= dh laxfr] Lusg ,oa lkgp;Z (Filial Consortium) ds :i esa izR;sd dks (40,000x6=2,40,000) :i;s dqy 2]40]000@& dh {kfriwfrZ jkf'k bl en esa fnyk;k tkuk mfpr gSA

¶52

vr% fo}ku vf/kdj.k }kjk bl en esa fnykbZ xbZ 70]000@& :i;s dh jkf'k esa 2]40]000@& :i;s dh o`f) djrs gq, bl U;k;ky; }kjk 3]10]000@& :i;s dh jkf'k fnyk;k tkuk mfpr gSA

¶53

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

¶54

Ø-la-	en	{kfriwfrZ jkf'k
1-	vk; dh {kfr dh {kfriwfrZ jkf'k	10,70,896/-
2-	ikjEifjd en dh jkf'k	3,10,000/-

¶55

(7 of 7)

¶56

[CMA-3999/2019]

¶57

3- dqy {kfriwfrZ jkf'k

¶58

1070896+310000=

¶59

13,80,896/-

¶60

ifj.kker% fo}ku vf/kdj.k }kjk vihykFkhZx.k&nkosnkj dks fnykbZ xbZ {kfriwfrZ jkf'k 8]76]400@& :i;s esa mi;qZDrkuqlkj 5]04]496@& :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 13]80]896@& :i;s dk iapkV ikfjr fd;k tkrk gSA vihykFkhZx.k }kjk iwoZ esa izkIr dh xbZ jkf'k dqy {kfriwfrZ jkf'k esa le;ksftr gksxhA

¶61

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 lEiw.kZ {kfriwfrZ jkf'k ij gh C;kt ns; gksrk gS] tcfd vf/kdj.k }kjk e`rd dh vk; esa 40 izfr'kr c<+ksRrjh dh xbZ jkf'k ij dksbZ C;kt ugha fnyok;k x;k gSA gekjs fopkj ls lEiw.kZ {kfriwfrZ jkf'k ij ;[email protected] vf/kdj.k esa nkok ;kfpdk izLrqr djus dh fnukad ls C;kt izkIr djus ds vf/kdkjh gS a A vr% vk; dh {kfr ls gqbZ {kfriwfrZ dh dqy jkf'k 13]80]896 @&:i;s ij ;[email protected] vf/kdj.k esa nkok ;kfpdk is'k djus dh fnukad 10-03-2015 ls vf/kdj.k }kjk vknsf'kr vuqlkj 6 izfr'kr okf"kZd nj ls lk/kkj.k C;kt izkIr djus ds vf/kdkjh gksaxs 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

¶62

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

¶63

(SHUBHA MEHTA),J

¶64

AJAY KUMAR SINGHAL/101

Smt. Sajida W/O Late Shri Deenu Khan v. Akhtar Khan S/O Fajrudeen

Case brief

What is this about?

What did the court decide?

Smt. Sajida W/O Late Shri Deenu Khan v. Akhtar Khan S/O Fajrudeen

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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