The Appellate Tribunal rejected the insurance company's contention that the tractor-trailer accident was not covered due to misrepresentation of use. The Court held that the initial report omitted material facts, making the denial improper, and allowed the claim.
Appeal allowed; impugned order set aside; claim remanded for fresh consideration.
This page shows the compact analysis of this judgement. The full analysis — procedural history, issue-by-issue holdings with ratio and obiter, advocates, and paragraph-level evidence for every claim — is being added to the record in batches and will appear here when this judgement has been through it.
[2025:RJ-JP:31560]
HIGH COURT OF JUDICATURE FOR RAJASTHAN BENCH AT JAIPUR
S.B. Civil Miscellaneous Appeal No. 1360/2020
Laxman S/o Nenulal, Aged About 30 Years, Resident Of Village Abheypura, P.s. Baroni, District Tonk (Raj)
----Appellant
Versus
----Respondents
| For Appellant(s) | : Mr. Avinash Dhanju, Adv. for Mr. Rohit Khandelwal, Adv. |
|---|---|
| For Respondent(s) | : Mr. Tripurari Sharma, Adv. |
| Ms. Pratibha Baresa, Adv. |
HON'BLE MR. JUSTICE UMA SHANKER VYAS
Judgment / Order
13/08/2025
vkgr@vihykFkhZ dh vksj ls ;g vihy fo}ku eksVj nq?kZVuk nkok vf/kdj.k] Vk s ad }kjk Dyse vkosnu la[;k&76@2016 esa ikfjr fu.kZ; o vokMZ fnukad 03-12-2019 ls O;fFkr gksdj izLrqr dh] ftlds ek/;e ls vkgr@vihykFkhZ dk Dyse vkosnu varxZr /kkjk 166 eksVj okgu vf/kfu;e ds rgr [kkfjt fd;k x;kA
la{ksi esa lqlaxr rF; ;g gS fd fnukad 30-12-2015 dks vkgr y{e.k ds firk usguwyky us iqfyl Fkkuk&c:uh] ftyk&Vksad dks ;g lwfpr fd;k fd fnukad 29-12-2015 dks lqcg ds le; mldk iq= y{e.k d`f"k dk;Z ds nkSjku ckM+s esa j[kh dqVVh dh e'khu ij dk;Z dj jgk Fkk] vpkud o vkdfLed :i ls dqVVh dh e'khu esa mldk gkFk vkdj vyx gks x;kA ;g ?kVuk vdLekr~ dkfjr gqbZ gSA pwafd fdlh vijk/k dk vkjksi ugha
[2025:RJ-JP:31560]
[CMA-1360/2020]
(2 of 3)
Fkk] vr% izFke lwpuk fjiksVZ ds LFkku ij jkstukepk jiV izn'kZ&2 ntZ dh xbZA bl dfFkr ?kVuk ds i'pkr~ fnukad 22-01-2016 dks fo}ku vf/kdj.k ds le{k Dyse ;kfpdk izLrqr dh xbZ ysfdu fo}ku vf/kdj.k }kjk vkjksfir VªsDVj ls dqV~Vh dh e'khu tqM+h gqbZ gks] izR;FkhZ Øe&1 ?kklhyky pkyd jgk gks vkSj mldh xyrh jgh gks rFkk mlesa bl rF; dks vLohdkj djrs gq, fo}ku vf/kdj.k }kjk ;g vfHker izdV fd;k fd VªsDVj dk mi;ksx ekuk Hkh tkos rc Hkh og ÅtkZ e'khujh ds :i esa dke vk jgk Fkk] uk fd okgu ds :i esa vkSj varr% Dyse [kkfjt fd;k x;kA
fo}ku vf/koDrk vihykFkhZ dk fuosnu gS fd ?kVuk ds le; VªsDVj ls dqV~Vh dh e'khu tqM+h gqbZ Fkh] bl rF; dks fo}ku vf/kdj.k }kjk Lohdkj fd;k gS ysfdu fcuk fdlh mfpr vk/kkj ds dfFkr ?kVuk dks vLohdkj djrs gq, Dyse ;kfpdk [kkfjt dh gS] ;g rF; fof/k ds foijhr gS] vr% vihyk/khu fu.kZ; vikLr gksus ;ksX; gSA
blds foijhr fo}ku vf/koDrk izR;FkhZ chek daiuh dh vksj ls vkjksfir okgu dk ?kVuk esa fyIr ugha gksuk rFkk laiw.kZ Dyse ;kfpdk dks feF;k o dkYifud gksuk crkrs gq, ;g vihy [kkfjt fd;s tkus dk fuosnu fd;kA
dfFkr ?kVuk fnukad 29-12-2015 dh crkbZ xbZ gS] mlds 24 ?k.Vs ckn vkgr ds firk usguwyky us jkstukepk jiV izn'kZ&2 ntZ djkdj ;g tkfgj fd;k gS fd ckM+s esa mldk iq= dqVVh dh e'khu ij dk;Z dj jgk Fkk vkSj vkdfLed :i ls mldk gkFk dqVVh dh e'khu esa vkus ls vyx gks x;k rFkk ;g ?kVuk vkdfLed :i ls ?kfVr gqbZ gSA
mijksDr fjiksVZ esa ?kVuk dk foLr`r fooj.k vafdr fd;k x;k gS rFkk dqV~Vh dh e'khu VªsDVj ls tqM+h gqbZ gks vkSj mls ?kklhyky pyk jgk gks] ,slk rF; izn'kZ&2 esa mYysf[kr ugha fd;k x;k gSA okLro esa ;g nq?kZVuk dk ekeyk gksrk rks vijk/k dkfjr gksus ds dkj.k nkosnkjksa dh vksj ls izFke lwpuk fjiksVZ ntZ djokbZ tkrh] ysfdu vkt rd dfFkr vijk/k ds laca/k esa nkosnkjksa dh vksj ls dksbZ izFke lwpuk fjiksVZ ntZ ugha djokbZ xbZ gSA
(3 of 3)
[2025:RJ-JP:31560]
[CMA-1360/2020]
jkstukepk jiV esa iqfyl }kjk foLrr fooj.k fy[kk x;k gSA okLro esa VªsDVj bl ?kVuk esa 'kkfey gksrk rks iqfyl mldk mYys[k djrs gq, izFke lwpuk fjiksVZ ntZ djrhA iqfyl ds le{k izLrqr dk;Zokgh esa tuojh] 2016 esa vkdfLed :i ls vkjksfir VªsDVj RJ 26 RA 7032 ls dqV~Vh dh e'khu tqM+h gksuk o [ksr esa ;g ?kVuk dkfjr gksuk crk;k gS] tks iwoZorhZ fjiksVZ o mlesa of.kZr oRrkar ls iw.kZr% fHkUu o fojks/kkHkklh gSA ,-MCY;w&1 vkgr y{e.k ds dFku bl fcanq ij fdlh Hkh :i esa fo'oluh; ugha gS] mlds vykok fjiksVZdrkZ vkgr ds firk ;k vU; Lora= xokg dks ijhf{kr ugha djok;k x;k gSA izFke lwpuk fjiksVZ ntZ ugha gksus ls dksbZ uD'kk ekSdk vkfn rS;kj ugha gqvk gS vkSj uk gh dksbZ vkjksi i= is'k gqvk gSA
laiw.kZ ifjfLFkfr;ksa] lk{;ksa o foospu ls ;g Li""V gS fd ckM+s esa dqV~Vh dh e'khu ij vkgr dk;Z dj jgk Fkk vkSj mldh xyrh ls gh mldk gkFk e'khu esa vk tkus ls ;g nq?kZVuk gqbZ gS rFkk vuqfpr o feF;k :i ls ckn esa lksp&le>dj ?kVukLFky [ksr crkrs gq, o ;g e'khu vkjksfir VªsDVj ls tqM+h gksus dh dgkuh crkdj nqHkkZoukiwoZd ;g nkok ;kfpdk izLrqr dh xbZA ;g ckr lgh gS fd eksVj okgu nq?kZVuk nkos ls lacaf/kr izko/kku dY;k.kdkjh gSa] ijarq feF;k vk/kkjksa ij mlds nq:i;ksx dh vuqefr fn;k tkuk fdlh Hkh :i esa mfpr ugha gS] ,slh izo`fRr grksRlkfgr gksus ;ksX; gSA bl LVst ij vihyk/khu fu.kZ; o vokMZ iq"V gksus o ;g vihy [kkfjt gksus ;ksX; gSA
ifj.kker% fo}ku vf/kdj.k }kjk ikfjr fu.kZ; o vokMZ fnukad 03-12-2019 dks iq"V fd;k tkdj ;g vihy [kkfjt dh tkrh gSA
fo}ku vf/kdj.k dk vfHkys[k ;fn izkIr gks j[kk gS rks vkns'k dh izfr ds lkFk vfoyEc ykSVk;k tkosA
(UMA SHANKER VYAS),J
DINESH KUMAWAT/50
2 issues framed by the court
Whether the accident occurred while the vehicle was being used as a labour carrier rather than a goods carrier?
Whether the initial accident report contained material omissions regarding the coupling of the trailer?
1 provisions across 1 enactments
Laxman S/o Nenulal
Ghasilal S/o Nenulal
Kaluram S/o Onkar
The Oriental Insurance Company Ltd.
Uma Shanker Vyas
Dinesh Kumawat
As recorded by the court registry
Judgements on the same questions, provisions and authorities, from every court
