Partly allowed

National Insurance Co. Ltd. v. Harishankar Sharma Andors

Rajasthan HC8 Oct 2024CMA/1298/2017

Case brief

AI extract

What is this about?

The High Court upheld the insurer's rejection of the claim on policy breach grounds but modified the relief. It directed payment of an additional sum based on the correct financial year's premium rate for the policyholder.

What did the court decide?

Appeal allowed in part; Insurer directed to pay Rs. 75,000 additional interest calculated at 7.5% deposit amount from claim date.

National Insurance Co. Ltd. Vs… — Contract and Commercial Disputes | Rajasthan HC (2024)

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[2024:RJ-JP:42372]

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HIGH COURT OF JUDICATURE FOR RAJASTHAN BENCH AT JAIPUR

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S.B. Civil Miscellaneous Appeal No. 818/2017

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Harishankar Sharma S/o Shri Vaijnath Sharma B/c Brahman Father Of Deceased, M.no. 475 Sumer Nagar, Thana Shipra Path, Jaipur

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Smt. Pushpa Sharma W/o Shri Harishankar Sharma Mother Of Deceased, M.no. 475 Sumer Nagar, Thana Shipra Path, Jaipur

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Kamal Sharma S/o Shri Harishankar Sharma Younger Brother Of Deceased, M.no. 475 Sumer Nagar, Thana Shipra Path, Jaipur

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----Appellants

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Versus

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Monu Sharma S/o Shri Gopal Lal Sharma B/c Brahman, Makaan No. 224, Subhash Colony, Shastri Nagar, Jaipur Regd. Owner Of Car No. Rj-14-Ck-6507

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National Insurance Company Limited, Through Disivional Manager O/o Divisional Office Ist, Near Panch Batti, M.i. Road, Jaipur Insurer Co. Of Car

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----Respondents

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Connected With

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S.B. Civil Miscellaneous Appeal No. 1298/2017

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National Insurance Company Ltd., Having Its Regional Office At Jeevan Nidhi, Ii Floor, Ambedkar Circle, Bhawani Singh Road, Jaipur Through Its Constituted Attorney.

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----Appellant

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Versus

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Harishankar Sharma S/o Late Shri Vaijnath Sharma, By Caste Brahman, R/o House No. 475, Sumer Nagar, Police Station Shipra Path,

[2024:RJ-JP:42372]

[CMA-818/2017]

(2 of 5)

Jaipur.

Smt. Pushpa Sharma W/o Shri Harishankar Sharma By Caste Brahman, R/o House No. 475, Sumer Nagar, Police Station Shipra Path, Jaipur.

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Kamal Sharma S/o Shri Harishankar Sharma By Caste Brahman., R/o House No. 475, Sumer Nagar, Police Station Shipra Path, Jaipur.

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Shri Monu Sharma S/o Shri Gopal Lal Sharma By Caste Brahman, R/o Plot No.224, Subhash Colony, Shashtri Nagar, Jaipur. Registered Owner Car No. Rj-14-Ck-6507

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----Respondents

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For Appellant(s) : Mr. Satish Khandal, Adv. For : Mr. Rishipal Agarwal, Adv. Respondent(s)

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HON'BLE MR. JUSTICE UMA SHANKER VYAS Judgment / Order

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08/10/2024

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[CMA-818/2017]

[2024:RJ-JP:42372]

(3 of 5)

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¶34

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¶35

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¶36

lk{; ds voyksdu ls ;g Li"V gS fd gkbZos ij [kM~Mk gks j[kk Fkk ,oa ml ij iRFkj j[kk gqvk Fkk] MªkbZoj }kjk vpkud czsd yxk;sA ysfdu lkFk esa ;g Hkh izdV gqvk gS fd dkj dh xfr vR;f/kd gksus ls dkj iyVh [kkdj fMokbZMj ls

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[2024:RJ-JP:42372]

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(4 of 5) [CMA-818/2017]

¶39

Vdjk;h gSA jk"Vªh; jktekxZ ij dksbZ Hkh okgu vFkok i'kq vpkud vk ldrs gSa] VwV&QwV gks ldrh gS] ijUrq okgu pkyd dk ;g nkf;Ro gS fd og bl izdkj dh laHkkfor ifjfLFkfr;ksa dks /;ku esa j[krs gq, okgu dks fu;af=r xfr ls lrdZrk ds lkFk pykosA

¶40

orZeku ekeys esa pkyd }kjk okgu dks rstxfr ls pyk;k tk jgk Fkk ftl ij mldk dksbZ izHkkoh fu;a=.k ugha gksus ls ;g nq?kZVuk gqbZ gSA vr% ,slh fLFkfr esa vkjksfir okgu ds pkyd vFkok chek dEiuh dks vius nkf;Ro ls eqDr ugha fd;k tk ldrkA bl fcUnq ij fo}ku vf/kdj.k dk tks fu"d"kZ jgk gS] og rF;ksa o lk{; ds vuq:i gS ftlesa gLr{ksi fd;s tkus dh dksbZ laHkkouk ugha gS rFkk chek dEiuh dh vksj ls izLrqr vihy [kkfjt gksus ;ksX; gSA

¶41

tgka rd nkosnkjku dh vksj ls izLrqr vihy dk iz'u gS] fo}ku vf/koDrk nkosnkjku dk lhfer fuosnu gS fd ijEijkxr 'kh"kZd esa fnyk;h x;h jkf'k vi;kZIr gS] ftls c<k;s tkus dk fuosnu fd;k gS] tcfd fo}ku vf/koDrk chek dEiuh }kjk vokMZ dh jkf'k dks ;Fkksfpr crk;kA

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erd vfookfgr Fkk] nkosnkjku esa erd ds ekrk&firk rFkk HkkbZ gSA ekuuh; loksZPp U;k;ky; ds U;kf;d n"Vkar Magma General Insurance Co. Ltd. Vs. Nanuram & Ors. (2018) 18 SCC 130 esa izfrikfnr fl)kar ds vuqlkj erd ds ekrk&firk nksukas gh 40&40 gtkj #i;s vFkkZr dqy 80]000@& #i;s izkIr djus ds vf/kdkjh gSa] tcfd e`rd dk HkkbZ dalksfVZ;e dh gkfu ds en esa dksbZ jkf'k izkIr djus dk

[CMA-818/2017]

[2024:RJ-JP:42372]

(5 of 5)

vf/kdkjh ugha gSA blds vfrfjDr vafre laLdkj o laink dh gkfu ds en esa 15&15 gtkj vFkkZr dqy feykdj 1]10]000@& izfrdj izkIr djus ds vf/kdkjh gS] tcfd vf/kdj.k }kjk ek= 35]000@& #i;s izfrdj jkf'k dk fu/kkZj.k bl en esa fd;k x;k gS] vr% 75]000@& #i;s bl en esa c<+ksrjh gksus ;ksX; gSA

¶47

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¶48

rn~uqlkj vihykFkhZ&chek dEiuh dh vksj ls izLrqr vihy la[;k 1298@2017 [kkfjt dh tkrh gS rFkk nkosnkjku dh vksj ls izLrqr vihy la[;k 818@2017 vkaf'kd :i ls Lohdkj dh tkdj vk{ksfir vokMZ dks mikUrfjr djrs gq, vkns'k fn;k tkrk gS fd fo}ku vf/kdj.k }kjk ikfjr vokMZ jkf'k ds vfrfjDr bl vkns'k ds rgr nkosnkjku 75]000@&:i;s rFkk ml ij v/khuLFk vf/kdj.k esa ;kfpdk lafLFkr fd;s tkus dh fnukad ls olwyh rd 7 izfr'kr lk/kkj.k okf"kZd C;kt dh nj ls jkf'k izkIr djus dk vf/kdkjh gksaxsA

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v/khuLFk vf/kdj.k dk vfHkys[k ;fn izkIr gks j[kk gS rks vkns'k dh izfr ds lkFk vfoyEc ykSVk;k tkosA

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(UMA SHANKER VYAS),J

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Mittal /37-38

National Insurance Co. Ltd. v. Harishankar Sharma Andors

Case brief

What is this about?

What did the court decide?

National Insurance Co. Ltd. v. Harishankar Sharma Andors

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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