Partly allowed

Hdfc Ergo General Insurance Company Ltd. v. Smt. Dayawati W/O Late Leeluram

Rajasthan HC12 Aug 2024CMA/4027/2018

Case brief

AI extract

What is this about?

The High Court rejected an appeal against a composite insurance claim for a fatal accident. The court held the deceased was covered under the policy as they were injured within policy limits and the chassis number discrepancy did not invalidate coverage, fixing damages at Rs. 11,77,600.

What did the court decide?

Total compensation fixed at Rs. 11,77,600; no increase or decrease allowed.

Hdfc Ergo General Insurance Company Ltd. Vs… — Civil Procedure and Limitation | Rajasthan HC (2024)

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[2024:RJ-JP:34191]

¶2

HIGH COURT OF JUDICATURE FOR RAJASTHAN BENCH AT JAIPUR

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S.B. Civil Miscellaneous Appeal No. 4027/2018

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Hdfc Ergo General Insurance Company Ltd., Branch Alwar Near Bhagat Singh Chouraha Alwar Through Branch Manager Having Its Local Office At Office No. 2 Third Floor C-99 Singhavi Upasana Tower Shubhash Marg C Scheme Jaipur Through Its Constituted Attorney (Insurer Of Vehicle)

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----Appellant

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Versus

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Smt. Dayawati W/o Late Leeluram, Aged About 55 Years, R/o Ishroda Tehsil Tijara District Alwar (Raj)

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Manjeet S/o Late Leeluram, Aged About 28 Years, R/o Ishroda Tehsil Tijara District Alwar (Raj)

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Anita D/o Late Leeluram, Aged About 36 Years R/o Ishroda Tehsil Tijara District Alwar (Raj)

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Lalaram S/o Shri Pratap (Since Deceased), R/o Ishroda Tehsil Tijara District Alwar (Raj)

¶11

Ramesh Chand S/o Shri Sukhram, R/o Diwakari Police Station M.i.a District Alwar (Driver Of Tempo No. Rj-02-Pa-1076)

¶12

Sujan Singh S/o Shri Kishanlal, R/o Milakpur Gurajr Tehsil Tijara District Alwar (Owner Of Tempo No. Rj-02-Pa-1076)

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----Respondents

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Connected With

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S.B. Civil Miscellaneous Appeal No. 5055/2018

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Smt. Dayawati W/o Late Shri Leeluram, Aged About 55 Years, R/o Ishroda Tehsil Tijara Distt. Alwar

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Manjeet S/o Late Shri Leeluram, Aged About 28

(2 of 7)

[2024:RJ-JP:34191]

[CMA-4027/2018]

Years, R/o Ishroda Tehsil Tijara Distt. Alwar

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Anita D/o Late Shri Leeluram, Aged About 36 Years, R/o Ishroda Tehsil Tijara Distt. Alwar

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Lalaram S/o Shri Pratap (Since Deceased), R/o Ishroda Tehsil Tijara Distt. Alwar

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----Appellants

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Versus

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Ramesh Chand S/o Sukhram, R/o Deewakari P.s. M.i.a. Distt. Alwar (Driver Of The Tempo No. Rj-02-Pa-1076)

¶27

Sujan Singh S/o Kishan Lal, R/o Milakpur Gurjar Tehsil Tijara Dist. Alwar (Owner Of The Tempo No. Rj-02-Pa-1076)

¶28

H.d.f.c. Ergo Genera Insurance Co. Ltd. Through Its Regional Manager, At Regional Office At Upasna Tower Iiird Floor Near Ahinsha Circle Jaipur

¶29

----Respondents

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For Appellant(s)	: Mr. Virendra Agarwal, Adv.
For	: Mr. Sunil Jain, Adv.
Respondent(s)	MR. Lokesh Parihar, Adv.

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HON'BLE MR. JUSTICE UMA SHANKER VYAS

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Judgment / Order

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12/08/2024

¶34

vihykFkhZ@chek da0 ¼ftls vkxs chek daiuh dgk tk,xk½ rFkk vihykFkhZ@nkosnkj ¼ftUgsa vkxs nkosnkj dgk tk,xk½ }kjk ;g iFkd iFkd nksuksa vihysa fo}ku eksVj nq?kZVuk nkok vf/kdj.k] fd'kux<ckl] vyoj ¼vij ftyk ,oa ls'ku U;k;k/kh'k la[;k&1] fd'kux<ckl] vyoj½ }kjk eksVj nq?kZVuk

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(3 of 7) [CMA-4027/2018]

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[2024:RJ-JP:34191]

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nkok la[;k& 52@10 esa ikfjr fu.kZ; ,oa vokMZ fnukad 04-0718 ls O;fFkr gksdj izLrqr dh x;h gS] ftlds ek/;e ls fo}ku vf/kdj.k }kjk vyx vyx 'kh"kZd esa dqy 10]97]600@&:i;s dk vokMZ 06 izfr'kr okf"kZd C;kt lfgr ikfjr fd;k x;k gSA

¶38

pwafd ;g nksuksa vihysa ,d gh fu.kZ; o vokMZ ds fo:) izLrqr dh x;h gS] vr% mudk ,d gh vkns'k ds ek/;e ls fuLrkj.k fd;k tk jgk gSA

¶39

fo}ku vf/koDrk vihykFkhZ chek daiuh dk fuosnu gS fd okLro esa nq?kZVuk VSEiks uacj vkj ts 02&ih,&1046 ls gqbZ Fkh] ;gh uacj izFke lwpuk fjiksVZ esa vafdr gS] ysfdu ckn esa VSEiks uacj vkj ts 02&ih,&1076 dks feF;k :i ls vkfyIr fd;k x;k gSA VSEiks uacj vkj ts 02&ih,&1046 muds ;gka chfer ugha Fkk] vr% vihykFkhZ@chek daiuh dk dksbZ nkf;Ro ugha gSA nq?kZVuk esa Lo;a e`rd dh ykijokgh gksuk rFkk izfrdj jkf'k vR;f/kd o vuqfpr gksuk crk;k gSA

¶40

blds foijhr fo}ku vf/koDrk nkosnkj dk fuosnu gS fd vkjksfir okgu ds mijksDr uacj dh lhfjt ,d gh gS] ?kVuk ds dkj.k ls volkn dh fLFkfr esa vkj ts 02&ih,&1046 uacj fy[k fn;s Fks tcfd nq?kZVuk esa 1076 uacj dk okgu gh fyIr gSA laiw.kZ ykijokgh vkjksfir okgu ds pkyd dh FkhA fnyk;h x;h izfrdj jkf'k vi;kZIr gksuk crkrs gq, vihy Lohdkj dj ;Fkksfpr jkf'k c<k;s tkus dk fuosnu fd;kA

¶41

vkjksfir okgu ds pkyd o Lokeh dh vksj ls dksbZ vihy izLrqr ugha dh x;h gSA

[2024:RJ-JP:34191]

(4 of 7)

[CMA-4027/2018]

fo}ku vf/koDrk okgu Lokeh dh vksj ls fof/k lEer vkns'k ikfjr fd;s tkus dk fuosnu fd;kA

¶46

mifLFkr i{kksa ds rdksZa ds lnaHkZ esa v/khuLFk vf/kdj.k ds vfHkys[k dk voyksdu fd;kA

¶47

izFke lwpuk fjiksVZ esa vkjksfir okgu ds uacj vkj ts 02&ih,&1046 vafdr gS] ysfdu ifjoknh }kjk rRdky 'kiFki= is'k dj ;g fuosnu fd;k fd mldh ekufld fLFkfr lgh ugha Fkh] gMcMkgV esa 1046 uEcj fy[k fn;k x;k Fkk tcfd okLrfod uacj 1076 gSA nq?kZVuk ds rqjar i'pkr vFkkZr vkxkeh fnol ij ;g izFke lwpuk fjiksVZ ntZ gks pqdh FkhA okgu ds uacj dh laiw.kZ lhfjt esa ek= ,d vad dk varj izdV gqvk gSA ?kVuk ds le; ekufld volkn dh fLFkfr esa ;g ln~Hkkfod =qfV laHko gks ldrh gSA blds vykok okLrfod okgu ua- 1076 dks tCr fd;k x;k rks og nq?kZVuk ds dkj.k {kfrxzLr ik;k x;k gSA

¶48

?kVuk ds izR;{kn'khZ xokg ,-MCY;w-&2 jksfgrk'k o ,-MCY;w-&3 bZ'oj flag vkfn us Hkh vkjksfir okgu vkj-ts&02&ih,&1076 ls ;g nq?kZVuk ?kfVr gksuk crk;k gS] vr% ,slh fLFkfr esa ;g nq?kZVuk vkjksfir okgu ls gqbZ gS] bl ckcr vf/kdj.k dk vfHker rF;ksa o fof/k ds vuq:i gS rFkk mlesa gLr{ksi fd;s tkus dh laHkkouk ugha gSA

¶49

fo}ku vf/kdj.k }kjk bl nq?kZVuk esa e`rd rFkk vkjksfir okgu ds pkyd nksuksa dh va'knk;h ykijokgh ekuh gSA uD'kk ekSdk izn'kZ&3 ds vuqlkj yxHkx lMd ds e/; esa ;g nq?kZVuk nksuksa okgu ds vkeus lkeus Vdjkus ls gqbZ gSA

¶50

(5 of 7) [CMA-4027/2018]

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[2024:RJ-JP:34191]

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eSdsfudy eqvk;us ds vuqlkj Hkh nksuksa okgu Bhd vkeus lkeus ls {kfrxzLr gq, gSa] vr% ,slh fLFkfr esa ;g Li"V gS fd bl nq?kZVuk esa e`rd o vkjksfir okgu ds pkyd nksuksa dh leku va'knk;h ykijokgh jgh gS vkSj blh izdkj dk fu"d"kZ fo}ku vf/kdj.k dk jgk gS] ftlesa Hkh gLr{ksi fd;s tkus dh dksbZ laHkkouk ugha gSA

¶53

tgka rd erd dh vk; dk laca/k gS] og ?kVuk ds le; lsokfuor lSfud Fkk vkSj mldh isa'ku ds vuqlkj izfrdj dh jkf'k dh x.kuk djrs gq, fo}ku vf/kdj.k }kjk izfrdj fnyk;k x;k gSA fo}ku vf/koDrk nkosnkj dk ;g Hkh fuosnu gS fd erd lsokfuofr ds mijkar Bsd s ds dk;Z ls 19 gtkj :i;s ekfld vk; vftZr dj ysrk FkkA bl ckjs esa izn'kZ&18 izkbZosV daiuh ds eSustj }kjk tkjh izek.k i= iznf'kZr djok;k x;k gS] ysfdu mls U;k;ky; esa iznf'kZr ugha djok;k gSA Bsds dk dksbZ dk;Z erd dks feyk gks vFkok og Bsds dh daiuh esa dk;Z djrk gks] bl ckcr dksbZ nLrkost ugha gS] vk;dj fooj.kh Hkh izLrqr ugha gqbZ gS] vr% ,slh fLFkfr esa erd dh mijksDr vk; izekf.kr ugha ekuh x;h gS vkSj bl fcUnq ij Hkh fo}ku vf/kdj.k dk fu.kZ; rF;ksa o fof/k ds vuq:i gS rFkk mlesa dksbZ gLr{ksi fd;k tkuk mfpr ugha gSA

¶54

tgka rd dalksfVZ;e dh jkf'k dk iz'u gS] erd dh iRuh dks erd ls feyus okys izse Lusg] lgp;Z vkfn ls oafpr gksus ds en esa fo}ku vf/kdj.k }kjk 40]000@&:i;s fnyk;s x;s gS tcfd e`rd ds iq= eathr o iq=h vfurk dks bl 'kh"kZd esa dksbZ jkf'k ugha fnykbZ xbZ gSA ekuuh; loksZPp U;k;ky; ds

¶55

(6 of 7) [CMA-4027/2018]

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[2024:RJ-JP:34191]

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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 rhuksa nkosnkj dqy 1]20 ]000@&:i; s dalksVhZ;e ds uqdlkuh ds :i esa izkIr djus ds vf/kdkjh gSA vFkkZr bl en esa 80 ]000 @&:i;s dh jkf'k vfrfjDr izfrdj ds :i esa izkIr djus ds vf/kdkjh gSA

¶58

'ks"k enksa esa fo}ku vf/kdj.k }kjk tks izfrdj jkf'k fnykbZ xbZ gS og mijksDr foospukuqlkj iw.kZ :i ls mfpr gSA

¶59

mijksDr foospukuqlkj tks v/khuLFk vf/kdj.k }kjk 10]97]600 @&:i;s dk vokMZ ikfjr fd;k x;k gS mlds LFkku ij [email protected] 11]77]600@& :i;s izkIr djus ds vf/kdkjh gSA bl izdkj vihykFkhZx.k mijksDr lHkh enksa esa 80]000 @&:i;s vfrfjDr izfrdj jkf'k izkIr djus ds vf/kdkjh gSA

¶60

rn~uqlkj vihykFkhZ@nkosnkjksa dh vksj ls izLrqr vihy la[;k 5055@18 vkaf'kd :i ls Lohdkj dh tkdj vk{ksfir vokMZ dks mikUrfjr djrs gq, [email protected] ds i{k esa dqy 11]77]600@&:i;s dk vokMZ ikfjr fd;k tkrk gSA vihykFkhZXk.k }kjk iwoZ esa izkIr dh x;h jkf'k dks vokMZ jkf'k esa ls lek;ksftr fd;k tkdj 'ks"k jkf'k vihykFkhZx.k izkIr djus ds vf/kdkjh ik;s tkrs gSaA

¶61

bl vkns'k }kjk c<kbZ xbZ {kfriwfrZ jkf'k ij ewy ;kfpdk nk;j djus dh frfFk ls olwyh rd vihykFkhZx.k 07 izfr'kr okf"kZd lk/kkj.k dh nj ls C;kt izkIr djus ds vf/kdkjh gSA

¶62

mijksDr foospukuqlkj vihykFkhZ@chek daiuh dh vksj ls izLrqr vihy la[;k 4027@18 [kkfjt dh tkrh gSA

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(7 of 7)

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[2024:RJ-JP:34191] (7 of 7) [CMA-4027/2018]

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vkns'k dh izfr ds lkFk v/khuLFk vf/kdj.k dk vfHkys[k ykSVk;k tkosA

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(UMA SHANKER VYAS),J

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Murari Lal Sharma /663-664

Hdfc Ergo General Insurance Company Ltd. v. Smt. Dayawati W/O Late Leeluram

Case brief

What is this about?

What did the court decide?

Hdfc Ergo General Insurance Company Ltd. v. Smt. Dayawati W/O Late Leeluram

Case brief

What is this about?

What did the court decide?

What the court decided

A compact analysis

Issues for consideration

Cases cited

Statutes considered

Parties & counsel

Coram

Case details

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