Partly allowed

Magma H D I Gen Insurance Co. Ltd. v. Smt Laxma Devi and Ors.

Rajasthan HC2 Sept 2024CMA/3292/2017

Case brief

AI extract

What is this about?

Cross appeals against a Motor Accident Claims Tribunal award of Rs.13,77,052 with interest for the death of a truck driver in a collision with a trailer. The High Court rejected the insurer's negligence plea and enhanced compensation by computing income on 30 days per month, adding 40% future prospects, deducting one-fourth personal expenses, and applying conventional heads under Magma General Ins

What did the court decide?

Insurer's appeal dismissed; claimants' appeal allowed; award enhanced by Rs.2,47,390 with 7.5% annual interest from date of claim application till realisation.

Magma H D I Gen Insurance Co. Ltd. Vs Smt Laxma Devi… — Motor Accident Claims | Rajasthan HC (2024)

¶1

[2024:RJ-JP:36845]

¶2

HIGH COURT OF JUDICATURE FOR RAJASTHAN BENCH AT JAIPUR

¶3

S.B. Civil Miscellaneous Appeal No. 3292/2017

¶4

Magma Hdi General Insurance Co. Ltd. Through Regional Manager. Magma House 24, Park Street, Kolka, Magma Hdi General Insurance Co. Ltd. 3Rd Floor, Pretige Tower, Near Amarpali Circle, Vaishali Nagar, Jaipur 302021.

¶5

----Appellant

¶6

Versus

¶7

Smt. Laxma Devi W/o Late Shri Sitaram Meena, B/c Meena, R/o Agari, Tehsil Thanagaji, District Alwar. Presently Residing At 169, Indraprasth Colony, Agra Road, Police Station Kanota, Jaipur.

¶8

Vishal S/o Late Shri Sitaram Meena, B/c Meena, R/o Agari, Tehsil Thanagaji, District Alwar. Presently Residing At 169, Indraprasth Colony, Agra Road, Police Station Kanota, Jaipur. Minor Through Natural Guardian Mother Smt. Laxma Devi W/o Late Shri Sitaram Meena.

¶9

Krashna D/o Late Shri Sitaram Meena, Aged 1.5 Years B/c Meena, R/o Agari, Tehsil Thanagaji, District Alwar. Presently Residing At 169, Indraprasth Colony, Agra Road, Police Station Kanota, Jaipur. Minor Through Natural Guardian Mother Smt. Laxma Devi W/o Late Shri Sitaram Meena.

¶10

Sohan Lal S/o Late Shri Ghasiram, Father Of Deceased Since Deceased. B/c Meena, R/o Agari, Tehsil Thanagaji, District Alwar. Presently Residing At 169, Indraprasth Colony, Agra Road, Police Station Kanota, Jaipur.

¶11

Basanti Devi W/o Sohan Lal, B/c Meena, R/o Agari, Tehsil Thanagaji, District Alwar. Presently Residing At 169, Indraprasth Colony, Agra Road,

[2024:RJ-JP:36845]

[CMA-3292/2017]

(2 of 7)

Police Station Kanota, Jaipur.

¶16

Shankar Ram S/o Shravan Ram, B/c Jat, R/o Barun, Police Station Peelva, District Nagour.

¶17

Tulsaram S/o Sitaram, B/c Jat, R/o House No. 92, Mudal Park Society Post Narol, Behind Of Moni Hotel Dusanpur Isanpur Ahmedabad Gujrat, 382443.

¶18

----Respondents

¶19

Connected With

¶20

S.B. Civil Miscellaneous Appeal No. 5234/2017

¶21

Laxma Devi W/o Late Sitaram Meena, B/c Meena, R/o Agari, Tehsil Thanagaji, District Alwar At Present R/o 169, Indraprasth Colony, Agra Road, Police Station Kanota, Jaipur.

¶22

Vishal S/o Late Sitaram Meena, R/o Agari, Tehsil Thanagaji, District Alwar At Present R/o 169, Indraprasth Colony, Agra Road, Police Station Kanota, Jaipur. Minor Through Their Mother And Natural Guardian Smt. Laxma Devi W/o Late Sitaram Meena,

¶23

Krishna D/o Late Sitaram Meena, R/o Agari, Tehsil Thanagaji, District Alwar At Present R/o 169, Indraprasth Colony, Agra Road, Police Station Kanota, Jaipur. Minor Through Their Mother And Natural Guardian Smt. Laxma Devi W/o Late Sitaram Meena,

¶24

Bansanti Devi W/o Late Sohan Lal, R/o Agari, Tehsil Thanagaji, District Alwar At Present R/o 169, Indraprasth Colony, Agra Road, Police Station Kanota, Jaipur.

¶25

Sohan Lal Died, R/o Agari, Tehsil Thanagaji, District Alwar At Present R/o 169, Indraprasth Colony, Agra Road, Police Station Kanota, Jaipur.

----Appellants

[2024:RJ-JP:36845]

[CMA-3292/2017]

(3 of 7)

Versus

Shankar Ram S/o Sharwan Ram, B/c Jat, R/o Barun, Police Station Peelwa, District Nagaur Driver Trailor No. Rj-27-Ga-7838

¶32

Tulsaram S/o Sitaram, B/c Jat, R/o House No. 92, Mridul Park Society, Post Narol, Behind Moni Hotel Dusanpur Isanpur Ahmedabad Gujrat 382443 And Also At Laxmi Transport Miarni Udaipur Owner Trailor No. Rj-27-Ga-7838

¶33

Magma General Insurance Company Limited, Having Its Regional Office At Magma House, 24 Park Street, Valid From 19.01.2015 To 18.01.2016

¶34

----Respondents

¶35

For Appellant(s) : Mr. Virendra Agrawal, Adv. For : Mr. Vinay Mathur, Adv. Respondent(s)

¶36

HON'BLE MR. JUSTICE UMA SHANKER VYAS

¶37

Judgment / Order

¶38

02/09/2024

¶39

mijksDr nksuksa vihysa dze'k% chek dEiuh rFkk nkosnkjku dh vksj ls fo}ku eksVj nq?kZVuk nkok vf/kdj.k] dze&2] t;iqj egkuxj }kjk eksVj nq?kZVuk okn izdj.k la[;k 86@2016 esa ikfjr fu.kZ; o vokMZ fnukad 15-04-2017 ls O;fFkr gksdj is'k dh gSa ftlds ek/;e ls nkosnkjku dh Dyse ;kfpdk Lohdkj djrs gq, 13]77]052@& :i;s e; 7-5 izfr'kr okf"kZd C;kt lfgr fnyk;s tkus dk vkns'k ikfjr fd;k gSA

[2024:RJ-JP:36845]

[CMA-3292/2017]

(4 of 7)

mDr nksuksa vihysa ,d gh fu.kZ; o vokMZ ls lacaf/kr gksus ds dkj.k fuLrkj.k ,d lkFk fd;k tk jgk gSA

¶44

bl izdj.k esa ;g fooknjfgr fLFkfr gS fd erd lhrkjke Vªd uEcj vkj-ts-14&th-,Q-&9727 ij ?kVuk fnukad 27-08-2015 dks pkyd ds :i esa lokj Fkk] rc ?kVukLFky ij vkjksfir Vªsyj uEcj vkj-ts-27&th-,-&7838 ls VDdj gksus ds ifj.kkeLo:i erd lhrkjke dh mijksDr okgu nq?kZVuk esa e`R;q gks x;hA

¶45

nksuksa i{kksa dh cgl lquh x;h] vfHkys[k dk voyksdu fd;kA

¶46

fo}ku vf/koDrk vihykFkhZ&chek dEiuh dk fuosnu gS fd bl nq?kZVuk esa Lo;a erd dh ykijokgh jgh gS] ijUrq fo}ku vf/kdj.k }kjk ek= vkjksfir okgu ds pkyd dh ykijokgh ekuh gS] bl laca/k esa xokg ,-MCyw&2 dSyk'k tks fd erd ds lkFk Vªd esa lokj Fkk] izR;{kn'khZ xokg gksdj egRoiw.kZ xokg gSA mlus dFku fd;k gS fd vkjksfir okgu ds pkyd us rstxfr o ykijokgh ls vius okgu dks pykdj muds Vªd dks VDdj ekjhA mijksDr lk{; ds [k.Mu esa dksbZ lk{; is'k ugha gqbZ gSA mijksDr ifjfLFkfr;ksa esa e`rd lhrkjke dh nq?kZVuk esa dksbZ ykijokgh gks] ;g rF; izekf.kr ugha gSA vr% vihykFkhZ&chek dEiuh dh vksj ls izLrqr vihy Lohdkj ;ksX; ugha gSA

¶47

nkosnkjku dh vksj ls izfrdj jkf'k esa c<ksrjh gsrq vihy izLrqr dj fuosnu fd;k gS fd fo}ku vf/kdj.k }kjk 30 fnu dh etnwjh nj ds vuqlkj vk; tksM+us ds ctk; 26 fnu ds

¶48

[2024:RJ-JP:36845]

¶49

(5 of 7) [CMA-3292/2017]

¶50

vk/kkj ij izfrdj dh x.kuk dh xbZ gS rFkk ijEijkxr 'kh"kZd ds en esa Hkh jkf'k vi;kZIr gksuk crkrs gq, dqy izfrdj jkf'k ;Fkksfpr :i ls c<+k;s tkus dk fuosnu fd;kA

¶51

?kVuk fnukad 27-08-2015 dh gS] fo}ku vf/kdj.k }kjk e`rd dh vk;q 29 o"kZ rFkk mldk Vªd pkyd ds :i esa dk;Zjr gksuk ekurs gq, mls dq'ky deZdkj ekuk g S A

¶52

U;kf;d n"Vkar ¼2018½ 1 ,llhlh 746 y{eh/kj uk;d cuke tqxy fd'kksj] ¼2008½ 12 ,llhlh 165 y{eh nsoh o vU; cuke eksgEen rckj o vU; ,oa 2022 ¼3½ Mh,uts 1160 yhykjke cuke ns'kjkt ds ekeys esa ;g vfHkfu/kkZfjr fd;k x;k gS fd izfrdj dh x.kuk djrs le; 26 fnu dh U;wure etnwjh ds LFkku ij 30 fnu dh etnwjh jkf'k dks fopkj esa fy;k tkuk visf{kr gSA erd dh vk;q oxZ ds vuqlkj vk; gkfu ij 40 izfr'kr Hkfo"; esa vk; izR;k'kk Hkh fnyk;k tkuk visf{kr gSA

¶53

pwafd erd ij vkfJrksa esa iRuh] iq=&iq=h rFkk ekrk&firk vFkkZr ikap O;fDr gSa] vr% erd ds thfor jgus ij Lo;a ds O;fDrxr [kpZ ds :i esa 1@4 fgLlk dVkSrh fd;k tkuk Hkh visf{kr gSA

¶54

rnuqlkj mijksDr U;kf;d n`"VkUrksa esa izfrikfnr O;oLFkk ds vuqlkj dq'ky Jfed dh etnwjh nj ds vuqlkj 30 fnu dh etnwjh jkf'k ds fglkc ls izfrdj jkf'k dh x.kuk dh tkos] rks vk; dh gkfu 217x12x30x17x3@4= 9]96]030@& #i;s gksrh gS ftl ij Hkfo"; dh izR;k'kk ds en esa 40 izfr'kr jkf'k 3]98]412@& :i;s tksMs tkus ij ;g jkf'k 13]94]442@&

¶55

(6 of 7) [CMA-3292/2017]

¶56

[2024:RJ-JP:36845]

¶57

:i;s curh gS] tcfd fo}ku vf/kdj.k }kjk bl en esa 12]47]052@& :i;s fnyk;s x;s gSa] bl izdkj vk; dh gkfu ds en esa vihykFkhZx.k 1]47]390@& :i;s vfrfjDr izkIr djus ds vf/kdkjh gSaA

¶58

tgka rd ijEijkxr 'kh"kZd ds en esa vk; gkfu dk iz'u gS] 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 dh iRuh] iq=&iq=h rFkk ekrk&firk vFkkZr ikapks nkosnkjku izR;sd 40&40 gtkj #i;s vFkkZr dqy 2]00]000@& #i;s ,oa laink dh gkfu o vafre laLdkj ds en esa 15&15 gtkj vFkkZr 30]000@& :i;s izfrdj izkIr djus ds vf/kdkjh gSa] tcfd vf/kdj.k }kjk ek= 1]30]000@& #i;s izfrdj jkf'k dk fu/kkZj.k bl en esa fd;k x;k gS] vr% 1]00]000@& #i;s bl en esa c<+ksrjh gksus ;ksX; gSA

¶59

mijksDr foospukuqlkj tks v/khuLFk vf/kdj.k }kjk tks vokMZ ikfjr fd;k x;k gS] mlds vfrfjDr [email protected] 2]47]390@&:i;s i`Fkd ls izkIr djus ds vf/kdkjh gSa ,oa vihykFkhZ&chek dEiuh dh vksj ls izLrqr vihy [kkfjt gksus rFkk nkosnkjku dh vksj ls izLrqr vihy vkaf'kd :i ls Lohdkj gksus ;ksX; gSA

¶60

rn~uqlkj vihykFkhZ&chek dEiuh dh vksj ls izLrqr vihy la[;k 3292@2017 [kkfjt dh tkrh gS rFkk nkosnkjku dh vksj ls izLrqr vihy la[;k 5234@2017 vkaf'kd :i ls Lohdkj dh tkdj vk{ksfir vokMZ dks mikUrfjr djrs gq, vkns'k fn;k

¶61

tkrk gS fd fo}ku vf/kdj.k }kjk ikfjr vokMZ jkf'k ds vfrfjDr bl vkns'k ds rgr nkosnkjku 2]47]390@&: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

¶62

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

¶63

Mittal /70-71

Magma H D I Gen Insurance Co. Ltd. v. Smt Laxma Devi and Ors.

Case brief

What is this about?

What did the court decide?

Magma H D I Gen Insurance Co. Ltd. v. Smt Laxma Devi 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

Similar cases

Smt. Sunita W/O Kuldeep, Vs 1/1. Heeralal S/O Banshi

Bhawani Singh Rajawat S/O Late Shri Sumer Singh Rajawat Vs State of Rajasthan

Rakesh Kumar @ R.K. S/O Ramprasad Vs State of Rajasthan

Rahul @ Bittu S/O Shri Nagarmal Vs State of Rajasthan

Smt. Ratni Devi W/O Late Madanlal Vs Hdfc Ergo General Insurance Company Ltd.

Smt Anita Devi and Ors. Vs Ramashi and Ors.