Allowed

National Insurance Co. Ltd. v. Rajput Gayatri Devi and Others

Rajasthan HC20 Dec 2023CMA/62/2010

Case brief

AI extract

What is this about?

The High Court enhanced the compensation awarded to the survivors for the death of Abhishek Singh, an employee, deducted from accidental death benefit for the policyholder, and adjusted the final payable amounts reflecting judicial precedents on compensation enhancement

What did the court decide?

Compensation enhanced from 12.46 lac to 7.78 lac; panic compensation increased to Rs. 45,000 per beneficiary.

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

¶1

[2023:RJ-JP:40433]

¶2

HIGH COURT OF JUDICATURE FOR RAJASTHAN BENCH AT JAIPUR

¶3

S.B. Civil Miscellaneous Appeal No. 2572/2011

¶4

Smt. Rajput Gayatri Devi W/o Late Shri Ramesh Singh, Aged About 43 Years,

¶5

Nagendra Singh S/o Late Shri Ramesh Singh, Aged About 23 Years,

¶6

Manju Devi D/o Late Shri Ramesh Singh, Aged About 20 Years,

¶7

Sunita Kumari D/o Late Shri Ramesh Singh, Aged About 19 Years,

¶8

Anita Kumari D/o Late Shri Ramesh Singh, Aged About 18 Years,

¶9

Karan Singh S/o Late Shri Ramesh Singh, Aged About 15 Years,

¶10

kailash Singh S/o Late Shri Ramesh Singh, Aged About 15 Years, (Claimants No. 6 & 7 through Mother and Natural Guardian Smt. Rajput Gayatri Devi)

¶11

All appellants are Permanent R/o Gram Mohali, District Karauli (Rajasthan) presently R/o 10, Srinagar, Near Indra Nagar, Bhilwara Road, Amraiwadi, Ahemdabad.

¶12

----Appellants

¶13

Versus

¶14

Radheshyam S/o Shri Kana Ram, R/o Ramchandrapura, Tehsil Sanganer, District Jaipur (Rajasthan). (Driver of Truck No. RJ-01-G-3699)

¶15

Kesar Lal S/o Shri Mishri Lal, R/o Plot No. 42/21/04, Swarn Path, Mansarover, Tehsil Sanganer, District Jaipur (Rajasthan). (Owner of Truck No. RJ-01-G-3699)

¶16

The National Insurance Company Limited, through its Regional Manager, Jeevan Jyoti, Ambedkar Circle, Jyoti Nagar, Jaipur (Rajasthan). (Insurance Company of Truck No. RJ-01-G-3699)

----Respondents

(2 of 9)

[2023:RJ-JP:40433]

[CMA-2572/2011]

Connected With

S.B. Civil Miscellaneous Appeal No. 62/2010

¶23

National Insurance Company Limited, Regional Office at Ambedkar Circle, Jeeven Nidhi, New L.I.C. Building, Bhawani Singh Marg, Jaipur.

¶24

----Appellant

¶25

Versus

¶26

Smt. Rajput Gayatri Devi W/o Late Shri Ramesh Singh, Aged About 42 Years,

¶27

Nagendra Singh S/o Late Shri Ramesh Singh, Aged About 22 Years,

¶28

Manju Devi D/o Late Shri Ramesh Singh, Aged About 19 Years,

¶29

Sunita Kumari D/o Late Shri Ramesh Singh, Aged About 18 Years,

¶30

Anita Kumari D/o Late Shri Ramesh Singh, Aged About 17 Years,

¶31

Karan Singh S/o Late Shri Ramesh Singh, Aged About 14 Years,

¶32

kailash Singh S/o Late Shri Ramesh Singh, Aged About 14 Years, (Claimants No. 5 to 7 are minor through their guardian Mother Smt. Gayatri Devi) All R/o Village Mohali, District Karauli (Rajasthan) Presently R/o 10, Srinagar, Near Indra Nagar, Bhilwara Road, Amraiwadi, Ahemdabad.

¶33

----Respondents

¶34

Radheshyam S/o Shri Kana Ram, R/o Ramchandrapura, Tehsil Sanganer, District Jaipur (Rajasthan). (Driver of Truck No. RJ-01-G-3699)

¶35

----Driver/Respondent

¶36

Kesar Lal S/o Shri Mishri Lal, R/o Plot No. 42/21/04, Swarn Path, Mansarover, Tehsil Sanganer, District Jaipur (Rajasthan). (Owner of Truck No. RJ-01-G-3699)

¶37

----Owner/Respondent

¶38

[2023:RJ-JP:40433]	(3 of 9) [CMA-2572/2011]
For Appellant(s)	: Mr. Sanjay Singhal (In S.B. CMA No. 2572/2011)
For Respondent(s)	: Mr. Ganesh Joshi(In S.B. CMA No. 62/2010)

¶39

HON'BLE MR. JUSTICE ASHUTOSH KUMAR

¶40

Order

¶41

DATE OF RESERVED :: 13/10/2023 DATE OF PRONOUNCEMENT :: 20/12/2023

¶42

1- [email protected] dh vksj ls izLrqr vihy la[;k&2572@2011 ,oa jsLiksaMsaV@vihykaV chek dEiuh dh vksj ls izLrqr vihy la[;k&62@2010] nksuksa nhokuh fofo/k vihysa /kkjk&173 eksVj okgu vf/kfu;e&1988 ds rgr U;k;ky; eksVj nq?kZVuk nkok vf/kdj.k ,oa ¼vko';d oLrq vf/kfu;e½ t;iqj ¼ftls vkxs ^vf/kdj.k* ds uke ls lacksf/kr fd;k tk,xk½ }kjk Dyse ;kfpdk la[;k&12@2008¼1097@2007½] jktiwr xk;=h nsoh o vU; cuke jk/ks';ke o vU; esa ikfjr fu.kZ; fnukad 08-10-2009 ¼ftls vkxs vk{ksfir fu.kZ; ds uke ls lacksf/kr fd;k tk,xk½ ds fo#) izLrqr dh xbZ gSA ftudk fuLrkj.k lqfo/kk dh n`f"V ls bl ,d fu.kZ; ds }kjk fd;k tk jgk gSA

¶43

2- [email protected] }kjk vf/kdj.k ds le{k] jes'k flag dh eksVj okgu nq?kZVuk esa e`R;q gks tkus ds QyLo:i dqy 74]22]500@& #i;s Dyse izkIr djus gsrq Dyse ;kfpdk izLrqr dh x;h FkhA vf/kdj.k }kjk mDr Dyse ;kfpdk esa ;kphx.k dks dqy 12]46]052@& #i;s dh {kfriwfrZ jkf’k e; C;kt 6 izfr’kr lkykuk dh nj ls fnyokbZ x;h gSA vf/kdj.k ds mDr vk{ksfir fu.kZ; ls O;fFkr gksdj [email protected] }kjk vihy la[;k&2572@2011 {kfriwfrZ jkf'k esa c<+ksrjh fd;s tkus gsrq izLrqr dh xbZ gS rFkk vizkFkhZ@jsLiksaMsaV chek dEiuh jsLiksaMsaV@vihykaV chek dEiuh dh vksj ls vihy la[;k&62@2010] vf/kdj.k }kjk vk{ksfir fu.kZ; dks fujLr djok;s tkus gsrq izLrqr dh xbZ gSA

[2023:RJ-JP:40433]

[CMA-2572/2011]

(4 of 9)

3- vihy la[;k&2572@2011 ds laca/k esa nkSjkus cgl fo}ku vf/koDrk [email protected] dk rdZ jgk gS fd vf/kdj.k }kjk erd dh vk; dh gkfu ds :Ik esa 1@3 Hkkx dh dVkSrh dh tkdj =qfV dkfjr dh gSA tcfd erd ij vkfJrksa dh la[;k dks ns[krs gq, 1@5 Hkkx dh dVkSrh fd;k tkuk mfpr FkkA fo}ku vf/koDrk [email protected] dk ,d rdZ ;g Hkh jgk gS fd vf/kdj.k }kjk e`rd dh fu/kkZfjr vk; esa Hkfo"; esa gksus okyh vk; dh dksbZ c<ksrjh ugha dh gSA fo}ku vf/koDrk [email protected] dk ;g Hkh rdZ jgk gS fd vf/kdj.k }kjk dalksfVZ;e dh en esa rFkk vU; enksa esa Hkh vR;f/kd de jkf’k fnyokbZ x;h gS] ftls c<+k;k tkosA vr% [email protected] dh vksj ls izLrqr vihy Lohdkj dh tkdj fo}ku vf/kdj.k }kjk ikfjr fu.kZ; dks la'kksf/kr fd;k tkdj {kfriwfrZ jkf'k esa c<+ksrjh fd;s tkus dh izkFkZuk dh x;hA

¶48

4- vihy la[;k&62@2010 ds laca/k esa nkSjkus cgl fo}ku vf/koDrk jsLiksaMsaV@vihykaV chek dEiuh dk ;g rdZ jgk gS fd vf/kdj.k }kjk erd dh ekfld vk; osru izek.k izn'kZ&13 ds vk/kkj ij 11]500@& :i;s ekfld fu/kkZfjr dh tkdj =qfV dkfjr dh gSA fo}ku vf/koDrk jsLiksaMsaV@vihykaV chek dEiuh dk ,d rdZ ;g Hkh jgk gS fd vf/kdj.k }kjk dalksfVZ;e dh en esa vR;f/kd jkf'k vihykFkhZx.k dks fnyokbZ xbZ gS] ftlesa deh dh tkosA vr% mijksDr vk/kkjksa ij jsLiksaMsaV@vihykaV chek dEiuh dh vksj ls izLrqr vihy Lohdkj fd;k tkdj fo}ku vf/kdj.k ds fu.kZ; dks fujLr fd;s tkus dh izkFkZuk dh x;hA chek daiuh ds fo}ku vf/koDrk dh vksj ls vius rdksZa ds leFkZu esa fuEu lEekfur U;kf;d n"VkUr izLrqr fd;s x;s%&

¶49

Sudhir Bhuiya Vs. National Insurance Co. Ltd. and another: 2005 ACJ 509.

¶50

Kasinathan and Others Vs. P.A. Thangavel and Others: 2005 ACJ 1267.

¶51

5- nksuksa i{kksa dh cgl lquh x;hA vihy i=kofy;ksa dk rFkk izLrqr vfHkys[k dk voyksdu fd;k x;kA

[2023:RJ-JP:40433]

[CMA-2572/2011]

(5 of 9)

6- [email protected] dh vksj ls lafLFkr dh x;h vihy la[;k&2572@2011] vf/kdj.k }kjk fnyokbZ x;h {kfriwfrZ jkf'k esa c<+ksrjh fd;s tkus gsrq izLrqr dh xbZ gSA jsLiksaMsaV@vihykaV chek dEiuh dh vksj ls lafLFkr dh x;h vihy la[;k&62@2010] vf/kdj.k }kjk ikfjr vk{ksfir fu.kZ; dks fujLr djok;s tkus gsrq izLrqr dh x;h gSA

¶56

7- nksuksa vihyksa dk fuEukuqlkj fuLrkj.k fd;k tk jgk gSA vihy l[;ka &489@2012 %&

¶57

8- vihy i=koyh ds voyksdu ls izdV gksrk gS fd ekeys dh ?kVuk fnukad 20-04-2007 dh crkbZ x;h gS rFkk oDr ?kVuk erd dks 45 o"kZ vk;q dk gksuk crkrs gq, izksijkbZVjf'ki QeZ esa lqijokbZtj dk dk;Z dj izfrekg 11]500@& #i;s dh vk; vftZr djuk crk;k x;k gSA ftl laca/k esa vihykFkhZx.k dh vksj ls erd dk osru izek.k i= izn'kZ&13 izLrqr fd;k x;k gS] ftlesa erd dh vk; ekfld vk; 11]500@& :i;s vafdr gSaA vf/kdj.k }kjk vihykFkhZx.k dh vksj ls izLrqr mDr osru izek.k i= izn'kZ&13 ds vk/kkj ij erd dh ekfld vk; 11]500@& :Ik;s fu/kkZfjr dh xbZ gSA vihykFkhZx.k }kjk izLrqr erd ds osru izek.k i= izn'kZ&13 ds voyksdu ls tkfgj gS fd vihykFkhZx.k }kjk mDr osru izek.k i= dks tkjh djus okys O;fDr dks xokg ds rkSj ij ijhf{kr ugha djok;k x;k gSA lkFk gh vihykFkhZx.k }kjk mDr osru izek.k i= ds leFkZu esa uk rks dksbZ erd dk cSad LVsVesUV is'k fd;k x;k gS vkSj uk gh erd dh gkftjh iaftdk dks izLrqr fd;k x;k gSA bl laca/k esa chek daiuh dh vksj ls izLrqr U;kf;d n"VkUr Sudhir Bhuiya Vs. National Insurance Co. Ltd. and another: 2005 ACJ 509. ,oa U;kf;d n`"VkUr Kasinathan and

¶58

Others Vs. P.A. Thangavel and Others: 2005 ACJ 1267. egRoiw.kZ gS] ftuesa vihykFkhZx.k dh vksj ls erd ds laca/k esa izLrqr nLrkostksa dks ekSf[kd ,oa nLrkosth lk{;ksa ds vHkko esa [kkfjt fd;k x;k gSA vr% vihykFkhZx.k dh vksj ls erd dh vk; ds laca/k esa izLrqr osru izek.k i= izn'kZ&13 iq[rk ekSf[kd ,oa nLrkosth lk{; ds vHkko esa ekus

[2023:RJ-JP:40433]

[CMA-2572/2011]

(6 of 9)

tkus ;ksX; ugha gSA ,slh fLFkfr esa ge erd ds dk;Z dh izÑfr dks nf"Vxr j[krs gq, mls dq'ky Jfed gksuk ekurs gq, ?kVuk dh frfFk dks izpfyr U;wure etnwjh ds vk/kkj ij mldh vk; fu/kkZfjr fd;k tkuk mfpr le>rs gSaA nq?kZVuk fnukad 20-04-2007 dh crkbZ xbZ gSA pwafd o"kZ 2007 esa jktLFkku jkT; esa U;wure etnwjh dh dksbZ nj fu/kkZfjr ugha dh xbZ FkhA ,slh fLFkfr esa oDr ?kVuk dq'ky Jfed dh nSfud vk; 100@& #i;s ekuh tkdj] rn~uqlkj ekfld vk; 3]000@& #i;s fu/kkZfjr dh tkrh gSA vf/kdj.k }kjk erd dh fu/kkZfjr ekfld vk; esa Hkfo"; esa gksus okyh vk; dh dksbZ c<+ksrjh ugha dh x;h gSA oDr ?kVuk erd dks 45&50 o"kZ dh vk;q dk Lofu;ksftr O;olk;h gksuk crk;k x;k gSA ,slh fLFkfr esa us'kuy bZa';ksjsal dEiuh fyfeVsM cuke iz.k; lsBh o vU; % ¼2017½ 16 ,l-lh-lh680 esa izfrikfnr fl)kUr ds vuqlkj erd dh vk;q dks nf"Vxr j[krs gq, mijksDr fu/kkZfjr ekfld vk; 3]000@& #i;s ij 25 izfr'kr dh Hkfo";&of) fd;k tkuk visf{kr gSA 3]000@& #i;s dk 25 izfr'kr 750@& #i;s gksrk gSA mDr 25 izfr'kr jkf'k dks erd dh fu/kkZfjr ekfld vk; esa tksM+s tkus ds mijkar e`rd dh dqy ekfld vk; 3]750@& #i;s gksrh gS tks {kfriwfrZ ds fu/kkZj.k dk vk/kkj jgsxhA

¶63

9- oDr ?kVuk erd ij dqy lkr vkfJr gksuk crk;k x;k gSA ftuesa vihykFkhZ la[;k&1 erd dh iRuh gS rFkk vihykFkhZ la[;k&2 yxk;r 7 erd dh larkusa gSaA ,slh fLFkfr esa erd ds O;fDrxr [kpZ dh dVkSrh ds en eas 1@5 Hkkx dh dVkSrh fd;k tkuk visf{kr gSA vf/kdj.k }kjk vius vk{ksfir fu.kZ; esa 1@3 Hkkx dh dVkSrh dh gS] tks =qfViw.kZ gSA ftls la'kksf/kr fd;k tkuk ge mfpr le>rs gSA rn~uqlkj 3]750@& #i;s dk 1@5 Hkkx 750@& #i;s gksrk gS] ftls fu/kkZfjr ekfld vk; esa ls ?kVkus ds mijkar vkfJr vk; dh 'ks"k jkf'k 3]000@& #i;s gksrh gSA Dyse ;kfpdk esa oDr ?kVuk erd dks 45 o"kZ vk;q dk gksuk crk;k x;k gS rFkk iapk;rukek izn'kZ&11 o iksLVeksVZe fjiksVZ izn'kZ&12 esa erd dh mez 50 o"kZ vafdr dh xbZ gSA bu ifjfLFkfr;ksa esa vf/kdj.k }kjk e`rd dks

[2023:RJ-JP:40433]

[CMA-2572/2011]

(7 of 9)

oDr ?kVuk 45 ls 50 o"kZ dh vk;q ds e/; dk gksuk ekuk x;k gS] tks mfpr izrhr gksrk gSA ,slh fLFkfr esa ljyk oekZ o vU; cuke nsgyh VªklaiksVZ dkWiksZjs'ku o vU;% ¼2009½ 6 ,l-lh-lh- 121 rFkk iz.k; lsBh ¼mijksDr½ ds ekeys esa izfrikfnr fl)kUr ds vk/kkj ij erd dh vk;q 45&50 o"kZ dh vk;q dks nf"Vxr j[krs gq, 13 dk xq.kd yxk;k tkuk visf{kr gSA fo}ku vf/kdj.k }kjk Hkh vius fu.kZ; esa 13 ds xq.kd iz;ksx fd;k x;k gS] tks lgh izrhr gksrk gSA

¶68

10rn~uqlkj erd dh fu/kkZfjr vk; 3]000@& #i;s ds vk/kkj ij [email protected] dks gksus okyh vkfJr vk; dh dqy {kfr 3]000 x 12 x 13 = 4]68]000@& #i;s gksrh gS tks [email protected] izkIr djus ds vf/kdkjh gSaA 11fo}ku vf/kdj.k }kjk erd dh iRuh vihykFkhZ la[;k 1 dks Likml dalksfVZ;e dh en esa 15]000@& #i;s rFkk erd dh larkusa vihykFkhZ la[;k 2 yxk;r 7 dks ^^isjs.Vy dalksfVZ;e** dh en esa izR;sd dks 5]000@& :i;s] dqy 30]000@& :i;s dh jkf'k fnyokbZ x;h gS] tks U;wu gSA bl laca/k esa ekuuh; mPpre U;k;ky; ds U;kf;d n"Vkar iz.k; lsBh ¼mijksDr½ o ;wukbZVsM bf.M;k bZa';ksjsal dEiuh fyfeVsM cuke lfrUnj dkSj mQZ lrfoUnj dkSj o vU;% ¼2021½ 11 ,llhlh 780 o vU; U;kf;d n"Vkar esxek tujy ba';ksjsal dEiuh fyfeVsM cuke ukuw jke mQZ pqg: jke o vU;% ¼2018½ 18 ,llhlh 130 ds ekeyksa esa izfrikfnr fl)kUr ds vuqlkj ge] erd dh iRuh vihykFkhZ la[;k&1 dks ^^Likml dalksfVZ;e** dh en esa 40]000@& #i;s rFkk e`rd dh larkuksa vihykFkhZ la[;k&2 yxk;r 7 dks ^^isjs.Vy dalksfVZ;e** dh en esa 40]000&40]000@& :i;s] bl izdkj bu enksa esa dqy 2]80]000@& #i;s dh jkf'k vihykFkhZx.k dks fnyok;k mfpr le>rs gSaA 12vf/kdj.k }kjk vafre laLdkj dh en esa 5]000@& #i;s dh jkf'k [email protected] dks fnyokbZ xbZ gSA ftlesa c<+ksrjh fd;k tkuk ge mfpr le>rs gSA vr% bl en esa Hkh ge iz.k; lsBh ¼mijksDr½ ds ekeys esa

(8 of 9)

[2023:RJ-JP:40433]

[CMA-2572/2011]

izfrikfnr fl)kUr ds vqulkj vihykFkhZx.k dks 15]000@& #i;s dh jkf'k fnyok;k tkuk mfpr le>rs gSaA

¶73

13vf/kdj.k }kjk lEink dh gkfu ds en esa [email protected] dks dksbZ jkf'k ugha fnyokbZ xbZ gSA vr% bl en esa ge iz.k; lsBh ¼mijksDr½ ds ekeys esa izfrikfnr fl)kUr ds vuqlkj 15]000@& #i;s dh jkf'k [email protected] dks fnyok;k tkuk mfpr le>rs gSaA

¶74

14mijksDrkuqlkj vihykaV chek dEiuh dh vksj ls lafLFkr vihy la[;k&62@2010 esa e`rd dh vk; ds laca/k esa fy;s x;s vk{ksi ekus tkus ;ksX; gSA vr% jsLiksaMsaV@vihykaV chek dEiuh dh vksj ls izLrqr vihy vkaf'kd :i ls Lohdkj dh tkrh gSA

¶75

[email protected] dh vksj ls lafLFkr dh x;h vihy la[;k&2572@2011 fuEukuqlkj fuf.kZr dh tkrh gS rFkk [email protected] fuEu izdkj ls {kfriwfrZ jkf'k izkIr djus ds vf/kdkjh ik;s tkrs gSa %&

¶76

Øe la-	'kh"kZ@en	vf/kdj.k }kjk fnyokbZ x;h jkf’k	bl fu.kZ; ds rgr fu/kkZfjr dh x;h jkf’k
1-	vkfJr vk; dh {kfr ds en esa	11]96]052@&	4]68]000@&
2-	dalksfVZ;e ds en esa	leLr izkFkhZx.k dks dqy 45]000@& :i;s	izR;sd vihykFkhZ dks 40]000@& #i;s] dqy 2]80]000@&
3-	vafre laLdkj ds en esa	5]000@&	15]000@&
4-	lEink dh gkfu ds en esa	'kwU;	15]000@&
	dqy	12]46]052@&#i;s	7]78]000@&#i;s

¶77

16rnuqlkj fo}ku vf/kdj.k }kjk ikfjr iapkV ftlds }kjk fd [email protected] dks 12]46]052@& :i;s fnyok;s tkus dk vkns'k ikfjr fd;k x;k gS] ds LFkku ij 7]78]000@& :i;s dk iapkV ikfjr fd;k tkrk gSA mDr jkf'k ij fu;ekuqlkj vk;dj dVkSrh dh tkosxhA [email protected] }kjk iwoZ esa izkIr dh x;h jkf’k dks iapkV jkf’k esa ls lek;ksftr fd;k tkdj 'ks"k jkf’k [email protected] izkIr djus ds vf/kdkjh ik;s tkrs gSaA chek daiuh dh vihy la[;k 62@2010 esa fnukad

(9 of 9)

[2023:RJ-JP:40433]

[CMA-2572/2011]

29-01-2010 ds vkns'k }kjk vf/kdj.k }kjk vknsf'kr {kfriwfrZ jkf'k dk 75 izfr'kr Hkqxrku djus o 25 izfr'kr dk Hkqxrku jksdk x;k gSA mDr jksdh xbZ 25 izfr'kr jkf'k dk Hkqxrku bl fu.kZ; ds vuqlkj gh fd;k tkosxkA

¶82

17vkns’k dh izfr ds lkFk izdj.k dk vfHkys[k lacaf/kr vf/kdj.k dks ykSVk;k tkosA

¶83

18rnuqlkj ;g vihysa fuLrkfjr dh tkrh gSA

¶84

19lHkh yfEcr izkFkZuk&i=ksa dks Hkh mijksDrkuqlkj fuLrkfjr fd;k tkrk

¶85

¶86

(ASHUTOSH KUMAR),J

¶87

BADAL /87-88

National Insurance Co. Ltd. v. Rajput Gayatri Devi and Others

Case brief

What is this about?

What did the court decide?

National Insurance Co. Ltd. v. Rajput Gayatri Devi 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

Case details

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