Partly allowed

S B I General Insurace Co. Ltd. v. Shahnaz Bano and Ors.

Rajasthan HC6 Aug 2024CMA/3014/2018

Case brief

AI extract

What is this about?

In these connected appeals, the Insurer challenged the Rajasthan High Court's order awarding substantial compensation for death and injuries. The Single Judge varied compensation amounts after examining evidence regarding the deceased's age, relationship, and nature of work, finding the High Court's initial quantum excessive. The appellant argues for lower compensation based on typical parameters

What did the court decide?

Appeal CMA 3013/2018 allowed; appeal dismissed. Compensation reduced to Rs. 7,52,725/- from Rs. 10,98,200/-.

S B I General Insurace Co. Ltd. Vs Shahnaz Bano and Ors. — Insurance | 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 General Insurace Co. Ltd. v. Shahnaz Bano and Ors.

Case brief

What is this about?

What did the court decide?

S B I General Insurace Co. Ltd. v. Shahnaz Bano 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

Case details

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