Partly allowed

S B I Gen Insurance Co. Ltd. v. Kamruddin Ansari and Ors.

Rajasthan HC6 Aug 2024CMA/3013/2018

Case brief

AI extract

What is this about?

Two insurance company appeals against a common MACT award for deaths in a truck-car collision. The court held the truck driver wholly negligent, recomputed loss of dependency using multiplier 13, monthly income of Rs.3,015 plus 25% future prospects, and reduced the award in one appeal while dismissing the other.

What did the court decide?

CMA 3013/2018 allowed: award reduced to Rs.7,52,725 payable to claimants with 6% annual interest; remaining terms unchanged. CMA 3014/2018 dismissed with tribunal award confirmed.

S B I Gen Insurance Co. Ltd. Vs Kamruddin Ansari and… — Motor Accident Claims | Rajasthan HC (2024)

¶1

[2024:RJ-JP:33522]

¶2

HIGH COURT OF JUDICATURE FOR RAJASTHAN BENCH AT JAIPUR

¶3

S.B. Civil Miscellaneous Appeal No. 3013/2018

¶4

S.b.i. General Insurance Company Ltd., Natraj 101, 102 And 301 Junction Of Western Express Highway And Andheri Kurla Road, Andheri East Mumbai 400069, Having Its Head Office At 7-B, Ground Floor, Opposite Metro Piller No. 153, Pusha Road, Rajendra Park Rajendra Place New Delhi 110060 Through Its Constituent Attorney

¶5

----Appellant

¶6

Versus

¶7

Kamruddin Ansari S/o Babu Bhai

¶8

Mohammad Shahid S/o Kamruddin

¶9

Ashik Hussain S/o Kamruddin

¶10

Jahid Hussain Ansari S/o Kamruddin, All R/o Bhura Kuan, Police Station Anta, District Baran Raj

¶11

Hansraj S/o Gopal Meena, R/o House No. 723, Govind Nagar, Police Station Udhyog Nagar, Kota Raj Since Deceased Name Deleted Driver Of Truck No. Rj 20 Ga 5123

¶12

Sunil Mehta S/o Ghanshyam Mehta, R/o House No. 42 Years R/o House No. 30/377, Mehta Bhawan, Gordhanpura, Kota Raj Registered Owner Of Truck No. Rj 20 Ga 5123

¶13

----Respondents

¶14

Connected With

¶15

S.B. Civil Miscellaneous Appeal No. 3014/2018

[2024:RJ-JP:33522]

(2 of 9)

[CMA-3013/2018]

Road, Rajendra Park, Rajendra Place New Delhi 110060 Through Its Constituent Attorney

¶21

----Appellant

¶22

Versus

¶23

Shahnaz Bano W/o Late Shri Abdul Salam

¶24

Shanu Bano D/o Late Shri Abdul Salam

¶25

Shahrukh S/o Late Shri Abdul Salam

¶26

Shahid Khan S/o Late Shri Abdul Salam

¶27

Faijal Khan S/o Late Shri Abdul Salam, Being Minor Through His Natural Guardian And Mother Shahnaj Bano All R/o Talai Pada, Ward No. 6, Anta, Distt. Baran Raj.

¶28

Hansraj S/o Gopal Meena, R/o House No. 723, Govind Nagar, Police Station Udhyog Nagar, Kota Raj. Since Deceased Name Deleted Driver Truck No. Rj-20-Ga-5123

¶29

Sunil Mehta S/o Ghanshyam Mehta, R/o House No. 42 Years, R/o House No. 30/377, Mehta Bhawan, Gordhanpura, Kota Raj. Registered Owner Of Truck No. Rj-20-Ga-5123

¶30

----Respondents

¶31

For Appellant(s) : Mr. Virendra Agarwal, Adv. Mrs. Renu Goyal, Adv.

¶32

For : None Present for Respondent(s) Claimants/Respodents no. 1 to 4. Mr. Kamal Gupta, Adv. & Ms. Preeti Bala Mathur, Adv. for Mr. Mahesh Gupta, Adv. For respondents no.6-Owner of Truck.

¶33

HON'BLE MR. JUSTICE UMA SHANKER VYAS

Judgment / Order

[2024:RJ-JP:33522]

[CMA-3013/2018]

(3 of 9)

06/08/2024

mijksDr nksuksa vihysa vihykFkhZ vkjksfir okgu dh chek daiuh dh vksj ls fo}ku eksVj nq?kZVuk nkok vf/kdj.k dze&2] dksVk }kjk eksVj nq?kZVuk nkok la[;k& 151@16 esa ikfjr fu.kZ; ,oa vokMZ fnukad 03-04-18 ls O;fFkr gksdj izLrqr dh x;h gSA pwafd nksuksa vihysa ,d gh fu.kZ; o vokMZ ds fo:) gS] vr% lqfo/kk dh n`f"V ls mudk ,d gh vkns'k ds ek/;e ls fuLrkj.k fd;k tk jgk gSA

¶40

fo}ku vf/koDrk vihykFkhZ@chek daiuh dk fuosnu gS fd vihyk/khu fu.kZ; o vokMZ ikfjr djrs le; erdk dh vk;q o vk; dh leqfpr :i ls x.kuk ugha dh x;h gS] vU; enksa esa Hkh izfrdj jkf'k vuko';d o c<k p<kdj fnykbZ xbZ gSA mudk ;g Hkh fuosnu gS fd bl ?kVuk esa fyIr dkj uavkjts&28&lh&1539 ds pkyd erd vCnqy lyke dh Hkh nq?kZVuk esa va'knk;h ykijokgh jgh gS] ijarq vf/kdj.k }kjk bl rF; dks fopkj esa ugha fy;k x;k gSA

¶41

nksuksa Dyse ;kfpdkvksa ds ewy nkosnkj uksfVl rkehy ds ckotwn vuqifLFkr gSA vkjksfir okgu ds Lokeh ds fo}ku vf/koDrk dh vksj ls vihyk/khu fu.kZ; dks fof/klEer gksuk crkrs gq, fof/kuqlkj vihy dk fuLrkj.k fd;s tkus dk fuosnu fd;kA

¶42

nksuksa i{kksa ds rdksZa ds lanHkZ esa vfHkys[k dk voyksdu fd;kA

¶43

lqlaxr rF; ;g gS fd e`rdk vkfcnk ckuks o vCnqy lyke ds fof/kd izfrfuf/k;ksa@vkfJrksa dh vksj ls fopkj.k

[CMA-3013/2018]

[2024:RJ-JP:33522]

(4 of 9)

U;k;ky; esa Dyse ;kfpdk izLrqr dj ;g vfHkdfFkr fd;k fd dkj ua- vkjts&28&lh&1539 dks erd vCnqy lyke viuh lkbM esa pyk jgk Fkk rc lkeus ls Vªd ua- vkj ts 20&th,&5123 ds pkyd us jksax lkbZM esa vkdj rstxfr o ykijokgh ls pykrs gq, dkj ds VDdj ekjh ftlls dkj pkyd vCnqy lyke rFkk mlesa cSBh vkchnk ckuks dh eR;q dkfjr gqbZA

¶48

tgka rd dkj pkyd e`rd vCnqy lyke dh bl nq?kZVuk esa va'knk;h ykijokgh gksus dk iz'u gS] bl laca/k esa miyC/k lkexzh dk voyksdu fd;kA

¶49

erd vCnqy lyke dh iRuh ,-MCY;w-&1 'kgukt ckuks ekSds ij mifLFkr ugha Fkh rFkk mlus lquh lqukbZ lk{; nh gS] ysfdu xokg de:n~nhu ,-MCY;w-&2 tks fd Dyse ;kfpdk la[;k 154@16 esa nkosnkj Hkh gS] dk ;g dFku jgk gS fd ?kVuk ds le; og vCnqy lyke ds lkFk dkj esa lokj Fkk rFkk tc mudh dkj vCnqy lyke }kjk lgh lkbM esa pyk;h tk jgh Fkh rc ?kVukLFky ij vkjksfir Vªd ua- vkj ts 20&th,&5123 ds pkyd us rstxfr o ykijokgh ls pykrs gq, xyr fn'kk esa vkdj mudh dkj ds VDdj ekjh ftlls vCnqy lyke o vkfcnk ckuks dh eR;q gks x;hA

¶50

mijksDr xokg ds dFku v[kafMr jgs gSaA foi{kh dh vksj ls dksbZ foijhr lk{; izLrqr ugha dh x;h gsA iqfyl }kjk Hkh bl ekeys esa vkjksfir Vªd pkyd dh ykijokgh ekurs gq, mlds fo:) vkijkf/kd U;k;ky; esa vkjksi i= is'k fd;k x;k gSA uD'kk ekSdk izn'kZ 4 ds vuqlkj ;g izdV gksrk gS fd

¶51

(5 of 9) [CMA-3013/2018]

¶52

[2024:RJ-JP:33522]

¶53

vkjksfir okgu Vªd ds pkyd us xyr fn'kk esa tkdj dkj ds VDdj ekjh Fkh] vr% ,slh fLFkfr esa bl nq?kZVuk esa laiw.kZ ykijokgh vkjksfir Vªd pkyd dh gksuk izdV gqvk gSA dkj pkyd vCnqy lyke dh Hkh ykijokgh jgh gks] ;g rF; izekf.kr ugha gSA vf/kdj.k }kjk laiw.kZ ykijokgh Vªd pkyd dh ekuh x;h gSA mijksDr ifjfLFkfr;ksa esa bl fcUnq ij vf/kdj.k dk fu.kZ; rF;ksa o lk{; ds vuq:i gksus ls iqf"V gksus ;ksX; gSA bl fcUnq ij fo}ku vf/koDrk chek daiuh ds rdZ Lohdkj ;ksX; ugha gSA

¶54

tgka rd izfrdj jkf'k ds fcUnq ij vihy dk iz'u gS] nksuksa vihyksa dk vyx vyx foospu fd;k tk jgk gS%& ,dy ihB flfoy fofo/k vihy l[;k 3013@18a

¶55

,lchvkbZ tujy ba';kjsal daiuh fy0 cuke de:n~nhu oxS %&

¶56

;g vihy eksVj okgu nq?kZVuk nkok la[;k 154@16 ls lacaf/kr gS rFkk bl ekeys esa ewy nkosnkj de:n~nhu dh iRuh rFkk 'ks"k nkosnkjksa dh ekrk vkfcnk ckuks dh okgu nq?kZVuk esa eR;q gksuk izekf.kr gS vkSj bl laca/k esa dksbZ fookn Hkh ugha gSA vkfcnk ckuks dh eR;q ds ifj.kkeLo:Ik dqy 10]98]200@& :i;s dk izfrdj fuEukuqlkj vyx vyx 'kh"kZd esa fnyk;k x;k gS%&

¶57

dz- la-	en	x.kuk ¼jkf'k½
1-	Hkfo"; dh vk; dh {kfr dh en esa	9]28]200@&:i;s
2-	vafre laLdkj dh en esa	15]000@&:i;s

(6 of 9)

[2024:RJ-JP:33522]

[CMA-3013/2018]

3-	lgkp;Z {kfr en esa	40]000@&:i;s
4-	laink gkfu {kfr en esa	15]000@&:i;s
5-	ekufld d"V vkSj osnuk dh {kfriwfrZ dh en esa izkFkhZ la-1	25]000@&:i;s
6-	ekrk ds izse] Lusg] ekxZn'kZu dh {kfriwfrZ dh en esa izkFkhZx.k la[;k 2 yxk;r 4 izR;sd dks 25]000&	1]00]000@&:i;s
	25]000@&
	dqy {kfriwfrZ jkf'k	10]98]200@&:i;s

¶62

ewy ;kfpdk esa erd vkfcnk dh mez 44 o"kZ vafdr dh x;h gS] igpku i= izn'kZ 30 ds vuqlkj vf/kdj.k }kjk erdk dh vk;q 42 o"kZ vafdr dh x;h gS] ysfdu Lo;a erdk ds vU; igpku i= izn'kZ 29 esa fnukad 19-04-05 dks erdk dh vk;q 36 o"kZ crk;h x;h gSA ;g nq?kZVuk fnukad 07-04-16 dks gqbZ gSA rn~uqlkj erdk dh vk;q djhc 47 o"kZ gksrh gSA iksLVekVZe fjiksVZ izn'kZ 28 esa mldh vk;q 50 o"kZ vafdr gqbZ gS] vr% Lo;a nkosnkjksa dh nLrkosth lk{; ds vuqlkj erdk dh vk;q ?kVuk ds le; de ls de 46 ls 47 o"kZ ds e/; dh FkhA vf/kdj.k }kjk e`rdk dh tks 42 o"kZ vk;q fu/kkZfjr dh x;h gS og fof/kuqlkj ugha gS rFkk bu ifjfLFkfr;ksa esa xq.kd 14 ds LFkku ij 13 dk ykxw gksxkA

¶63

e`rdk dh vk; ds laca/k esa dksbZ Bksl lk{; izLrqr ugha dh x;h gSA nkosnkjksa dh vksj ls ekSf[kd lk{; izLrqr djrs gq, chMh ds dkj[kkus esa dk;Z djuk crk;k x;k gSA mijksDr ifjfLFkfr;ksa esa mls vdq'ky Jfed ekuk tk ldrk gS] ysfdu

¶64

(7 of 9) [CMA-3013/2018]

¶65

[2024:RJ-JP:33522]

¶66

vf/kdj.k }kjk mls dq'ky Jfed ekudj U;wure etnwjh nj ds vuqlkj izfrdj dh x.kuk dh x;h gS] tks mfpr ugha gSA dk;Z dh izdfr o erdk dh n{krk vkfn dks ns[krs gq, mls vdq'ky Jfed ekuk tkuk mfpr gSA rn~uqlkj ?kVuk ds le; vdq'ky Jfed dh U;wure ikfjJfed nj 201@&:i;s izfrfnu gksrh gS rFkk 30 fnu dh ;g etnwjh 6030@&:i;s gksrh gSA

¶67

nkosnkjku esa erdk ds ifr dh vk;q 50 o"kZ rFkk vU; rhu iq=ksa dh vk;q 28] 22 o 25 o"kZ dk gksuk izdV gqvk gSA bl laca/k esa erdk ds ifr de:n~nhu ,-MCY;w-&2 ds :i esa ijhf{kr gqvk gS ftlus ;g Lohdkj fd;k gS fd og Bsdsnkj ds ikl etnwjh dk dk;Z djrk gS] ,d iq= ds feL=h dh nqdku gS rFkk nks iq=ksa dk csjkstxkj gksuk crk;k gSA 'ks"k nksuksa iq= vfHkys[k ds vuqlkj dze'k% 22 o 25 o"kZ ds gS rFkk os 'kkjhfjd :i ls dk;Z djus gsrq l{ke gSA ,slh fLFkfr esa mudk csjkstxkj gksdj ekrk ij vkfJr gksuk ugha ekuk tk ldrkA ;fn csjkstxkj gksuk ekuk Hkh tkos rks iq=x.k vius firk ij vkfJr gSA erdk ds ifr dk Hkh [kqn dk Bsdsnkjh dk dk;Z gksuk izekf.kr gS] vr% ,slh fLFkfr esa erdk ij dksbZ Hkh nkosnkj vkfJr ugha FkkA mijksDr ifjfLFkfr;ksa esa erdk ds thfor jgus ij O;fDrxr o thou fuokZg [kpZs ds :i esa 1@2 fgLlk vFkkZr 3015@&:i;s dh dVkSrh dh tkus ij x.kuk ;ksX; ekfld vk; 3015@&:i;s gksrh gSA bl vk/kkj ij vk; gkfu 3015X12X13= 4]70]340@&:i;s gksrh gSA erdk dk futh etnwjh ij dk;Zjr gksuk crk;k x;k gS rFkk mldh vk;q

¶68

[2024:RJ-JP:33522]

¶69

(8 of 9) [CMA-3013/2018]

¶70

46&47 o"kZ gksus dh fLFkfr dks ns[krs gq, Hkfo"; esa vk; o`f) ds en esa 25 izfr'kr vfrfjDr jkf'k 1]17]585@&:i;s tksMk tkuk mfpr gS] ftls tksMs tkus ds ckn ;g jkf'k 5]87]925@&:i;s laxf.kr gksrh gS tcfd fo}ku v/khuLFk vf/kdj.k }kjk vuko';d o vuqfpr :Ik ls bl en esa izfrdj jkf'k 9]28]200@&:i;s dh x.kuk dh gS] tks mfpr o fLFkj jgus ;ksX; ugha gSA vr% bl en esa 3]40]275@&:i;s de fd;s tkus ;ksX; gSA

¶71

tgka rd dalksVhZ;e dh gkfu dk iz'u gS] bl en esa rFkk erdk ds izse Lusg vkfn ls oafpr gksus ds en esa fo}ku v/khuLFk vf/kdj.k }kjk pkjksa nkosnkjksa dks 1]65]000@&:i;s] izfrdj fnyk;k x;k gS tcfd ekuuh; loksZPp U;k;ky; ds U;kf;d n"Vkar Magma General Insurance Co. Ltd. Vs. Nanuram & Ors. (2018) 18 SCC 130 esa ikfjr fl)kar ds vuqlkj izR;sd nkosnkj 40]000@&:i;s vFkkZr dqy 1]60 ]000@&:i; s dalksVhZ;e ds uqdlkuh ds :i esa izkIr djus ds vf/kdkjh gSA rn~uqlkj bl en esa 5]000@&:i;s de fd;s tkus ;ksX; gSA

¶72

,dy ihB flfoy fofo/k vihy l[;k 3014@18a

¶73

,lchvkbZ tujy ba';kjsal daiuh fy0 cuke 'kgukt ckuks oxS %&

¶74

;g vihy eksVj okgu nq?kZVuk nkok la[;k 151@16 ls lacaf/kr gSA fo}ku vf/koDrk chek daiuh dk bl izdj.k esa ;g lhfer fuosnu gS fd vyx vyx 'kh"kZd esa izfrdj jkf'k dh iqu% x.kuk dh tkos rks djhc 15]000&20]000@&:i;s de gksrs gSaA ;g nkok o"kZ 2016 ls yafcr gSA bl yach vof/k o

¶75

(9 of 9) [CMA-3013/2018]

¶76

[2024:RJ-JP:33522]

¶77

varj jkf'k ds rqPN gksus dh fLFkfr dks ns[krs gq, iqu% lw{e x.kuk dh tkus dh dksbZ vko';drk o vkSfpR; ugha gS] vr% ,slh fLFkfr esa tks izfrdj jkf'k fo}ku vf/kdj.k }kjk fnyk;h x;h gS] ml laca/k esa vihyk/khu fu.kZ; dh iqf"V djrs gq, ;g vihy [kkfjt gksus ;ksX; gSA

¶78

mijksDr foospukuqlkj vihykFkhZ@chek daiuh dh vksj ls izLrqr vihy la[;k 3014@18 [kkfjt dh tkrh gS rFkk fo}ku vf/kdj.k ds vk{ksfir fu.kZ; o iapkV dh iqf"V dh tkrh gSA

¶79

vihykFkhZ@chek daiuh dh vksj ls izLrqr vihy la[;k 3013@18 Lohdkj dh tkrh gS rFkk fo}ku v/khuLFk vf/kdj.k }kjk izR;FkhZx.k ds i{k esa tks 10]98]200 @&:i;s izfrdj jkf'k dk tks vk{ksfir vokMZ ikfjr fd;k x;k gS mls mikUrfjr o de djrs gq, izR;FkhZx.k ds i{k esa 7]52]725@&:i;s dk vokMZ ikfjr fd;k tkrk gSA vk{ksfir vokMZ dh 'ks"k 'krsZa ;Fkkor jgsaxhA

¶80

bl vkns'k ds ek/;e ls ?kVk;h x;h izfrdj jkf'k vihykFkhZ@chek daiuh nkosnkjksa ls izkfIr dh fnukad ls olwyh rd 06 izfr'kr okf"kZd C;kt lfgr izkIr djus dh vf/kdkjh gksxh vkSj bl gsrq vihykFkhZ@chek daiuh v/khuLFk vf/kdj.k esa btjk; izLrqr djus gsrq Lora= gksxhA

¶81

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

¶82

(UMA SHANKER VYAS),J

¶83

Murari Lal Sharma /112-113

S B I Gen Insurance Co. Ltd. v. Kamruddin Ansari and Ors.

Case brief

What is this about?

What did the court decide?

S B I Gen Insurance Co. Ltd. v. Kamruddin Ansari and Ors.

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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