Partly allowed

Smt Chanda Devi and Ors. v. Prahlad Bairwa and Ors.

Rajasthan HC20 Mar 2025CMA/3540/2017

Case brief

AI extract

What is this about?

Cross appeals against a motor accident compensation award for a deceased travelling as a khalasi/cleaner. The High Court recomputed the award applying minimum wages, 40% future addition, multiplier 16 and conventional amounts, enhancing it to Rs. 14,67,552, and held the insurer liable under IMT 28 endorsement despite no separate premium issue.

What did the court decide?

Award enhanced from Rs. 8,85,000 to Rs. 14,67,552 with 8% annual interest from filing date; insurer directed to pay FDR balance to claimants.

Smt Chanda Devi and Ors. Vs Prahlad Bairwa and Ors. — Insurance | Rajasthan HC (2025)

¶1

HIGH COURT OF JUDICATURE FOR RAJASTHAN BENCH AT JAIPUR

¶2

S.B. Civil Miscellaneous Appeal No. 3540/2017

¶3

Smt. Chanda Devi W/o Late Shri Prahlad, aged about 35 years, R/o Village Taswariya, Police Station Phuliyakalan, Tehsil Shahpura, District Bhilwara.

¶4

Rakesh S/o Late Shri Prahlad, aged about 14 years, Being Minor Through Their Natural Guardian And Mother Smt. Chanda Devi, R/o Village Taswariya, Police Station Phuliyakalan, Tehsil Shahpura, District Bhilwara.

¶5

Roopchand S/o Late Shri Prahlad, aged about 12 years, Being Minor Through Their Natural Guardian And Mother Smt. Chanda Devi, R/o Village Taswariya, Police Station Phuliyakalan, Tehsil Shahpura, District Bhilwara.

¶6

Ramdevi S/o Late Shri Kishan, aged about 59 years, R/o Village Taswariya, Police Station Phuliyakalan, Tehsil Shahpura, District Bhilwara.

¶7

Chhagani Devi W/o Shri Ramdev, R/o Village Taswariya, Police Station Phuliyakalan, Tehsil Shahpura, District Bhilwara.

¶8

----Appellants

¶9

Versus

¶10

Prahlad Bairwa S/o Shri Ghasilal Bairwa, R/o Khateekon Ka Mohalla, Reti Mohalla, Ward No. 8, Malpura, Tehsil And Police Station Malpura, District Tonk (Driver of Vehicle)

¶11

Vakeel Badgurjar S/o Shri Bhanwarlal, R/o Khateekon Ka Mohalla, Reti Mohalla, Ward No. 8, Malpura, Tehsil And Police Station Malpura, District Tonk (Owner of Vehicle)

¶12

United India Insurance Company Limited, T.P., Claim Hub 93, Safari Centre, Opposite E.S.I. Hospital Ajmer Road, Jaipur (Insurance Company of Vehicle)

¶13

----Respondents

¶14

Connected With

¶15

S.B. Civil Miscellaneous Appeal No. 4240/2017

¶16

United India Insurance Company Limited, Through Its Regional Manager, Regional Office At Sahara Chambers, Tonk Road, Jaipur And United India Ins. Co. Ltd. T.P. Claim, Hub-93, Safari Center,

¶17

(2 of 14)

¶18

[CMA-3540/2017]

¶19

Infront Of ESI Hospital, Ajmer Road, Jaipur. (Raj.)

¶20

----Appellant

¶21

Versus

¶22

Smt. Chanda Devi Wd/o Shri Prahlad, aged 35 years, R/o Village Taswaria, P.S.- Fuliya Kala, Tehsil Shahpura District Bhilwara (Raj.)

¶23

Rakesh S/o Late Shri Prahlad, aged 14 years, Minor Through Its Natural/guardian/mother Smt. Chanda Devi Wd/o Late Shri Prahlad, R/o Village Taswaria, P.S.- Fuliya Kala, Tehsil Shahpura Distt. Bhilwara (Raj.)

¶24

Roop Chand S/o Late Shri Prahlad, aged 11 years, Minor Through Its Natural/guardian/mother Smt. Chanda Devi Wd/o Late Shri Prahlad, R/o Village Taswaria, P.S.- Fuliya Kala, Tehsil Shahpura Distt. Bhilwara (Raj.)

¶25

Ramdev S/o Late Shri Kishan, aged 59 years, R/o Village Taswaria, P.S.- Fuliya Kala, Tehsil Shahpura Distt. Bhilwara (Raj.)

¶26

Chhgani Devi W/o Shri Ramdev, R/o Village Taswaria, P.S.- Fuliya Kala, Tehsil Shahpura Distt. Bhilwara (Raj.) ----Respondents-Claimants

¶27

Prahlad Bairwa S/o Shri Ghasi Lal Bairwa, R/o Khatikon Ka Mohalla, Reti Mohalla, Ward No. 08, Maalpura Tehsil And Thana Maalpura Distt. Tonk. (Driver)

¶28

Vakil Badgurjar S/o Shri Bhanwar Lal, R/o Khatikon Ka Mohalla, Reti Mohalla, Ward No. 08, Maalpura Tehsil And Thana Maalpura Distt. Tonk. (Owner)

¶29

----Respondents-Opp.Parties No.1 & 2

¶30

For Appellant(s)	: Mr. Santosh Kumar Soni,Adv.
For Respondent(s)	: Mr. Satish Khandal,Adv.

¶31

HON'BLE MR. JUSTICE ASHUTOSH KUMAR

¶32

Order

¶33

20/03/2025

¶34

1- [email protected] dh vksj ls izLrqr vihy la[;k&3540@2017

¶35

,oa jsLiksaMsaV@vihykaV chek dEiuh dh vksj ls izLrqr vihy

¶36

(3 of 14) [CMA-3540/2017]

¶37

la[;k&4240@2017] nksuksa nhokuh fofo/k vihysa /kkjk&173 eksVj okgu vf/kfu;e&1988 ds rgr U;k;ky; eksVj nq?kZVuk okn U;k;kf/kdj.k] ekyiqjk ¼Vksad½ ¼ftls vkxs ^fo}ku vf/kdj.k* ds uke ls lacksf/kr fd;k tk,xk½ }kjk Dyse ;kfpdk la[;k&15@2016] Jherh pUnk nsoh o vU; cuke izgykn o vU; esa ikfjr fu.kZ; fnukad 03-06-2017 ¼ftls vkxs vkyksP; fu.kZ; ds uke ls lacksf/kr fd;k tk,xk½ ds fo#) izLrqr dh xbZ gSA ftudk fuLrkj.k lqfo/kk dh n`f"V ls bl ,d fu.kZ; ds }kjk fd;k tk jgk gSA

¶38

2- [email protected] }kjk fo}ku vf/kdj.k ds le{k] izgykn [kVhd dh eksVj okgu nq?kZVuk esa e`R;q gks tkus ds QyLo:i dqy 80]15]000@& #i;s Dyse izkIr djus gsrq Dyse ;kfpdk izLrqr dh x;h FkhA fo}ku vf/kdj.k }kjk mDr Dyse ;kfpdk esa ;kphx.k dks dqy 8]85]000@& #i;s dh {kfriwfrZ jkf’k e; C;kt 7-5 izfr’kr lkykuk dh nj ls fnyokbZ x;h gSA fo}ku vf/kdj.k ds mDr vkyksP; fu.kZ; ls O;fFkr gksdj [email protected] vihy la[;k&3540@2017] vf/kdj.k }kjk ikfjr {kfriwfrZ jkf’k esa c<+ksrjh fd;s tkus gsrq rFkk jsLiksaMsaV@vihykaV chek daiuh dh vksj ls izLrqr vihy la[;k&4240@2017 fo}ku vf/kdj.k ds mDr vkyksP; fu.kZ; dks fujLr djokus gsrq izLrqr dh x;h gSA

¶39

3- [email protected] dh vksj ls izLrqr vihy la[;k&3540@2017 ds laca/k esa nkSjkus cgl fo}ku vf/koDrk nkokdrkZ&vihykFkhZx.k dk rdZ jgk gS fd fo}ku vf/kdj.k }kjk erd dh vk; 5]000@& #i;s izfrekg fu/kkZfjr dh tkdj =qfV dkfjr dh xbZ gSA tcfd oDr ?kVuk erd

¶40

[CMA-3540/2017]

¶41

(4 of 14)

¶42

[ksrhckM+h dk dk;Z dj rFkk [kyklh dk dk;Z dj 9]000@& #i;s izfrekg dh vk; vftZr djrk FkkA fo}ku vf/koDrk [email protected] dk ;g Hkh rdZ jgk gS fd fo}ku vf/kdj.k }kjk erd dh vk; ij Hkfo"; esa gksus okyh vk; dh c<+ksrjh dh en esa dksbZ Hkfo";&of) ugha dh xbZ gSA fo}ku vf/koDrk [email protected] dk ;g Hkh rdZ jgk gS fd fo}ku vf/kdj.k }kjk dalksfVZ;e dh en esa vR;f/kd de jkf'k fnyokbZ xbZ gS] ftlesa c<+ksrjh dh tkosA fo}ku vf/koDrk [email protected] dk ,d rdZ ;g Hkh jgk gS fd fo}ku vf/kdj.k }kjk lEink dh {kfr ds en esa dksbZ jkf'k vihykFkhZx.k dks ugha fnyokbZ xbZ gSA vr% [email protected] dh vksj ls izLrqr vihy dks Lohdkj fd;k tkdj fo}ku vf/kdj.k }kjk ikfjr vkyksP; fu.kZ; dks la'kksf/kr dj {kfriwfrZ jkf'k esa c<+ksrjh fd;s tkus dh izkFkZuk dh x;hA

¶43

4- blds foijhr fo}ku vf/koDrk jsLiksaMsaV@vihykaV chek dEiuh dh vksj ls izLrqr vihy la[;k&4240@2017 djrs gq, vkyksP; fu.kZ; o vokMZ dks eq[;r% bu vk/kkjksa ij pqukSrh nh x;h gS fd erd iz'uxr okgu esa lokjh ds :i esa ;k=k dj jgk Fkk] u fd [kyklh ds :i esa tSlk fd DysesaVl dh vksj ls crk;k x;k gSA chek dEiuh }kjk chek ikWfylh esa iz'uxr okgu tks fd ,d eky okgd gS] esa ;k=k djus okyh fdlh lokjh vFkok [kyklh dk dksbZ fizfe;e ugha fy;k x;k gS] fdUrq fo}ku vf/kdj.k us erd tks fd dfFkr :i ls [kyklh ds :i esa iz'uxr okgu esa ;k=k dj jgk Fkk] dh e`R;q gks tkus ij chek dEiuh ij {kfriwfrZ vnk;xh dk Hkkj Mkydj =qfV dkfjr dh x;h gSA fo}ku vf/koDrk jsLiksaMsaV@vihykaV chek

¶44

(5 of 14) [CMA-3540/2017]

¶45

dEiuh dk ;g Hkh rdZ jgk gS fd DysesaV~l }kjk erd dh vk; dks lkfcr ugha fd;k x;k gS rFkk vf/kdj.k }kjk DysesaV~l ds i{k esa vR;f/kd jkf'k crkSj {kfriwfrZ fnyokbZ x;h gS] ftls de fd;k tkosA vr% mijksDr vk/kkjksa ij jsLiksaMsaV@vihykaV chek dEiuh dh gn rd vkyksP; fu.kZ; dks fujLr fd;s tkus dh izkFkZuk dh x;hA vius rdksZa ds leFkZu esa fo}ku vf/koDrk jsLiksaMsaV@vihykaV chek dEiuh dh vksj ls U;k;ky; dk /;ku fuEu U;kf;d n"Vkar dh vksj vkdf"kZr fd;k x;k %&

¶46

Ramashray Singh Vs. New India Assurance Co. Ltd. & Ors., reported in 2003 (3) T.A.C. 3 (S.C.)

¶47

5- nksuksa i{kksa dh cgl lquh x;hA i=kofy;ksa o vf/kdj.k ds vfHkys[k

¶48

dk voyksdu fd;k x;kA

¶49

6- mijksDr nksuksa vihyksa dk iFkd&iFkd fuEu izdkj ls fuLrkj.k fd;k tk jgk gSA

¶50

vihy la[;k&3540@2017 %&

¶51

7- i=koyh ds voyksdu ls izdV gksrk gS fd ekeys dh ?kVuk fnukad 11-10-2015 dh crkbZ x;h gS rFkk oDr ?kVuk erd dks [ksrhckM+h rFkk [kyklh dk dk;Z dj 9]000@& #i;s izfrekg vk; vftZr djuk crk;k x;k gS] fdUrq erd dh vk; dks lkfcr djus gsrq [email protected] dh vksj ls vf/kdj.k ds le{k dksbZ Bksl lk{; izLrqr ugha dh x;h gSA bu ifjfLFkfr;ksa esa fo}ku vf/kdj.k }kjk oDr ?kVuk erd dks vdq'ky Jfed gksuk ekurs gq, rRle; izpfyr U;wure etnwjh ds vk/kkj ij mldh ekfld vk; 5]000@& #i;s fu/kkZfjr dh xbZ gSA bu ifjfLFkfr;ksa esa ;g U;k;ky; erd ds dk;Z dh izÑfr dks n`f"Vxr j[krs gq, rFkk ?kVuk dh

¶52

(6 of 14) [CMA-3540/2017]

¶53

frfFk 11-10-2015 dks nf"Vxr j[krs gq, rRle; izpfyr U;wure etnwjh ds vk/kkj ij mldh nSfud vk; 197@& #i;s] rn~uqlkj ekfld vk; 5]910@& #i;s fu/kkZfjr fd;k tkuk mfpr le>rh gSA vf/kdj.k }kjk erd dh fu/kkZfjr ekfld vk; esa Hkfo"; esa gksus okyh vk; dh c<+ksrjh ds en esa dksbZ c<+ksrjh ugha dh xbZ gSa bl fcUnq ij fo}ku vf/kdj.k dk fu.kZ; la'kksf/kr fd;s tkus ;ksX; gSA Dyse ;kfpdk esa oDr ?kVuk erd dks 35 o"kZ dh vk;q dk gksuk crk;k x;k gSA erd dh iksLVekVZe fjiksVZ izn'kZ&13 esa Hkh erd dh vk;q 35 o"kZ vafdr dh x;h gSA bu ifjfLFkfr;ksa esa fo}ku vf/kdj.k }kjk erd dh oDr ?kVuk vk;q 35 gksuk ekuh x;h gSA pwafd oDr ?kVuk 35 o"khZ; vk;q dk Lofu;ksftr O;olk;h FkkA ,slh fLFkfr esa us'kuy bZa';ksjsal dEiuh fyfeVsM cuke iz.k; lsBh o vU; ] fjiksVsZM bu ¼2017½ 16 ,l-lh-lh- 680 esa izfrikfnr fl)kUr ds vuqlkj erd dh vk;q dks nf"Vxr j[krs gq, mijksDr fu/kkZfjr ekfld vk; 5]910@& #i;s ij 40 izfr'kr dh Hkfo";&of) fd;k tkuk visf{kr gSA 5]910@& #i;s dk 40 izfr'kr 2]364@& #i;s gksrk gSA mDr 40 izfr'kr jkf'k dks erd dh fu/kkZfjr ekfld vk; esa tksM+s tkus ds mijkar erd dh dqy ekfld vk; 8]274@& #i;s gksrh gS] tks {kfriwfrZ ds fu/kkZj.k dk vk/kkj jgsxhA 8- oDr ?kVuk erd ij dqy ikap vkfJr gksuk crk;k x;k gSA ,slh fLFkfr esa erd ds O;fDrxr [kpZ dh dVkSrh ds en eas 1@4 Hkkx dh dVkSrh fd;k tkuk visf{kr gSA fo}ku vf/kdj.k }kjk vius fu.kZ; esa erd ds O;fDrxr [kpZ dh dVkSrh ds en esa 1@4 Hkkx dh dVkSrh dh xbZ gS] tks lgh gS] ftlesa ge dksbZ gLr{ksi fd;k tkuk mfpr ugha le>rs gSaA

¶54

(7 of 14) [CMA-3540/2017]

¶55

8]274@& #i;s dk 1@4 Hkkx 2]068@& #i;s gksrk gS] ftls fu/kkZfjr ekfld vk; esa ls ?kVkus ds mijkar vkfJr vk; dh 'ks"k jkf'k 6]206@& #i;s gksrh gSA vf/kdj.k }kjk oDr ?kVuk erd dh vk;q 35 o"kZ ekuh xbZ gSA ,slh fLFkfr esa ljyk oekZ o vU; cuke nsgyh VªklaiksVZ dkWiksZjs'ku o vU;] fjiksVsZM bu ¼2009½ 6 ,l-lh-lh- 121 rFkk iz.k; lsBh ¼mijksDr½ ds ekeys esa izfrikfnr fl)kUr ds vk/kkj ij erd dh 35 o"kZ dh vk;q dks n`f"Vxr j[krs gq, 16 dk xq.kd yxk;k tkuk visf{kr gSA fo}ku vf/kdj.k }kjk Hkh vius fu.kZ; esa 16 dk xq.kd iz;ksx fd;k x;k gS] tks mfpr izrhr gksrk gSA

¶56

9- rn~uqlkj e`rd dh fu/kkZfjr vk; 6]206@& #i;s ds vk/kkj ij vihykFkhZx.k dks gksus okyh vkfJr vk; dh dqy {kfr 6]206 x 12 x 16 = 11]91]552@& #i;s gksrh gS] tks [email protected] izkIr djus ds vf/kdkjh gSaA

¶57

10fo}ku vf/kdj.k }kjk erd dh iRuh nkokdrkZ@vihykFkhZ la[;k&1 dks nkEiR; lq[k ls oafpr gksus gsrq 1]00]000@& #i;s dh jkf'k fnyokbZ xbZ gS] tks fd vf/kd izrhr gksrh gS rFkk erd ds cPpksa nkokdrkZ@vihykFkhZ la[;k&2 o 3 dks firk ds I;kj] Lusg ls oafpr gks tkus gsrq o e`rd ds ekrk&firk nkokdrkZ@vihykFkhZ la[;k&4 o 5] dks iq= ds I;kj] Lusg o lsok&lqJq"kk ls oafpr gks tkus gsrq vihykFkhZ la[;k&2 yxk;r

¶58

5] izR;sd dks 10]000&10]000@& #i;s dh jkf'k fnyokbZ xbZ gS] tks vR;f/kd U;wu gS] ftls la'kksf/kr fd;k tkuk ge mfpr le>rs gSaA ekuuh; mPpre U;k;ky; ds U;kf;d n`"Vkar iz.k; lsBh ¼mijksDr½ o ;wukbZVsM

¶59

(8 of 14)

¶60

[CMA-3540/2017]

¶61

bf.M;k ba';ksjsal dEiuh fyfeVsM cuke lfrUnj dkSj mQZ lrfoUnj dkSj o vU;] fjiksVsZM bu ¼2021½ 11 ,llhlh 780 o vU; U;kf;d n"Vkar esxek tujy ba';ksjsal dEiuh fyfeVsM cuke ukuw jke mQZ pqg: jke o vU;] fjiksVsZM bu ¼2018½ 18 ,llhlh 130 ds ekeyksa esa izfrikfnr fl)kUr ds vuqlkj izR;sd vkfJr dks 40]000@& #i;s dalksfVZ;e dh en esa fnyok;s tkus dk fl)kUr izfrikfnr fd;k x;k gSA lkFk gh iz.k; lsBh ¼mijksDr½ ds ekeys esa ;g fl)kUr Hkh izfrikfnr fd;k x;k gS fd erd ds vkfJrx.k dks dalksfVZ;e dh en esa nh tkus okyh jkf'k esa izR;sd rhu o"kZ esa 10 izfr'kr dh c<+ksrjh dh tkuh visf{kr gSA ,slh fLFkfr esa ge iz.k; lsBh ¼mijksDr½] lfrUnj dkSj mQZ lrfoUnj dkSj ¼mijksDr½ o ukuw jke mQZ pqg: jke ¼mijksDr½ ds ekeyksa esa izfrikfnr fl)kUr ds vuqlkj ge] erd dh iRuh nkokdrkZ@vihykFkhZ la[;k&1 dks ^^Likml dalksfVZ;e** dh en esa 48]000@& #i;s rFkk erd ds cPpksa nkokdrkZ@vihykFkhZ la[;k&2 o 3 dks ^^iSjs.Vy dalksfVZ;e** dh en esa izR;sd dks 48]000@& #i;s rFkk e`rd ds ekrk&firk nkokdrkZ@vihykFkhZ la[;k&4 o 5 dks **fQfy;y dalksfVZ;e** dh en esa izR;sd dks 48]000@& #i;s ¼dqy 2]40]000@& #i;s½ dh jkf'k fnyok;k tkuk mfpr le>rs gSaA 11fo}ku vf/kdj.k }kjk vafre laLdkj dh en esa 25]000@& #i;s dh jkf'k [email protected] dks fnyokbZ x;h gS] tks fd vf/kd gS] ftlesa la'kks/ku fd;k tkuk ge mfpr le>rs gSaA mDr en esa ge iz.k; lsBh ¼mijksDr½ ds ekeys esa izfrikfnr fl)kUr ds vuqlkj ns; jkf'k esa nl

¶62

(9 of 14) [CMA-3540/2017]

¶63

izfr'kr dh c<+ksrjh djrs gq, 18]000@& #i;s dh jkf'k [email protected] dks fnyok;k tkuk mfpr le>rs gSaA

¶64

12fo}ku vf/kdj.k }kjk [email protected] dks lEink dh gkfu ds en esa i`Fkd ls dksbZ jkf'k ugha fnyokbZ x;h gSA mDr en esa ge iz.k; lsBh ¼mijksDr½ ds ekeys esa izfrikfnr fl)kUr ds vuqlkj ns; jkf'k esa nl izfr'kr dh c<+ksrjh djrs gq, 18]000@& #i;s dh jkf'k [email protected] dks fnyok;k tkuk mfpr le>rs gSaA

¶65

vihy la[;k&4240@2017 %&

¶66

13tgka rd fo}ku vf/koDrk jsLiksaMsaV@vihykaV chek dEiuh dh vksj ls yh x;h vkifŸk fd DysesaV~l }kjk erd dh vk; lkfcr ugha dh x;hA bl l **a** ca/k esa gekjk ekuuk ;g gS fd ;g lgh gS fd Dyse ;kfpdk esa erd dks iz'uxr okgu esa [kyklh o etnwjh dk dk;Z dj izfrekg 9]000@& #i;s dh vk; vftZr djuk crk;k x;k gS] fdUrq mDr erd dh mDr vk; dks lkfcr djus gsrq dksbZ Bksl izek.k [email protected] }kjk fo}ku vf/kdj.k ds le{k izLrqr ugha fd;k x;k gSA bl dkj.k fo}ku vf/kdj.k us erd dh vk; rRle; izpfyr U;wure etnwjh ds vk/kkj ij fu/kkZfjr dh x;h gSA bl U;k;ky; us Hkh erd dh vk; nSfud U;wure etnwjh ds vk/kkj ij gh fu/kkZfjr dh gSA ,slh fLFkfr esa chek dEiuh dh vksj ls erd dh vk; ds laca/k esa yh x;h vkifŸk esa dksbZ lkj ekStwn ugha gksus ls mDr vkifŸk vLohdkj dj [kkfjt dh tkrh gSA

¶67

14tgka rd fo}ku vf/koDrk jsLiksaMsaV@vihykaV chek dEiuh dh vksj ls yh x;h ;g vkifŸk fd izFker;k rks e`rd iz'uxr okgu esa [kyklh ugha

¶68

(10 of 14) [CMA-3540/2017]

¶69

Fkk] f}rh;r% ;g eku Hkh fy;k tk, fd erd iz'uxr okgu eas [kyklh Fkk rks iz'uxr okgu dh chek ikWfylh eas [kyklh ds tksf[ke dks vkor ugha fd;k x;k gS vkSj u gh bl laca/k esa dksbZ fizfe;e fy;k x;k gSA bl dkj.k chek dEiuh erd ds laca/k esa {kfriwfrZ vnk;xh ds fy, mŸkjnk;h ugha gSA bl laca/k esa gekjk ekuuk gS fd DysesaV~l }kjk Dyse ;kfpdk esa erd dks iz'uxr okgu esa [kyklh gksuk crk;k x;k gSA blh vk'k; dh lk{; DysesaVl dh vksj ls vf/kdj.k ds le{k izLrqr dh x;h gSA DysesaVl dh vksj izLrqr lk{; ds [k.Mu esa chek dEiuh dh vksj ls xokg ,u-,MCY;w&1 jkts'k tks'kh ds c;ku fo}ku vf/kdj.k ds le{k djok;s x;s gSA ftldk c;ku jgk gS fd erd dks [email protected] us iz'uxr okgu esa [kyklh gksuk crk;k gS] fdUrq chek dEiuh us [kyklh dk dksbZ fizfe;e ugha fy;k gS] bl dkj.k chek dEiuh {kfriwfrZ ds fy, mŸkjnk;h ugha gSA bl izdkj chek dEiuh dh vksj ls erd ds iz'uxr okgu esa [kyklh ugha gksus ckcr~ dksbZ Bksl lk{; izLrqr ugha dh x;h gSA bl dkj.k [email protected] dh vksj ls erd ds iz'uxr okgu esa [kyklh gksus ckcr~ tks lk{; nh gS] mldk [k.Mu ugha gks ldk gSA chek dEiuh dh eq[; vkifŸk ;gh jgh gS fd pwafd [kyklh dk dksbZ fizfe;e chek dEiuh }kjk ugha fy;k x;k gS] bl dkj.k chek dEiuh {kfriwfrZ ds fy, mŸkjnk;h ugha gSA ,slh fLFkfr esa chek dEiuh dh vksj ls yh x;h ;g vkifŸk fd erd iz'uxr okgu esa [kyklh ugha Fkk] ekus tkus ;ksX; ugha gSA vr% jsLiksaMsaV@vihykaV chek dEiuh dh vksj ls yh x;h ;g vkifŸk Hkh vLohdkj dj [kkfjt dh tkrh gSA

¶70

[CMA-3540/2017]

¶71

(11 of 14)

¶72

15vc tgka rd jsLiksaMsaV@vihykaV chek dEiuh dk iz'uxr okgu esa fdlh [kyklh dk dksbZ fizfe;e ugha fy;s tkus dk iz'u gS rks bl laca/k esa iz'uxr okgu dh chek ikWfylh izn'kZ ,&1 ds voyksdu ls izdV gksrk gS fd iz'uxr okgu dk chek iSdst ikWfylh ds rgr djok;k x;k gSA chek ikWfylh esa dEiuh }kjk MªkbZoj] vkWuj ds tksf[ke ds fy, 100@& #i;s o isM MªkbZoj ds fy, vkbZ-,e-Vh- 28 ds rgr 50@& #i;s fy;k tkuk chek ikWfylh esa vafdr fd;k x;k gSA vkbZ-,e-Vh- 28 ds rgr tks fizfe;e fy;k x;k gS] mlds vuqlkj isM MªkbZoj dk fizfe;e vkbZ-,e-Vh- 28 ds rgr fy;k x;k gS] ftldk vadu chek ikWfylh izn'kZ ,&1 esa Hkh fd;k x;k gSA bl laca/k esa vkbZ-,e-Vh- 28 dks mn~/k`r djuk mfpr izdV gksrk gS %&

¶73

"IMT. 28. LEGAL LIABILITY TO PAID DRIVER AND/OR CONDUCTOR AND/OR CLEANER EMPLOYED IN CONNECTION WITH THE OPERATION OF INSURED VEHICLE (For all Classes of vehicles.)

¶74

In consideration of an additional premium of Rs. 50/- notwithstanding anything to the contrary contained in the policy it is hereby understood and agreed that the insurer shall indemnify the insured against the insured’s legal liability under the Workmen's Compensation Act, 1923 , the Fatal Accidents Act, 1855 or at Common Law and subsequent amendments of these Acts prior to the date of this Endorsement in respect of personal injury to any paid driver and/or conductor and/or cleaner whilst engaged in the service of the insured in such occupation in connection with the vehicle insured herein and will in addition be responsible for all costs and expenses incurred with its written consent."

¶75

16mDr vkbZ-,e-Vh- 28 'kCn ds voyksdu ls Li"V gS fd vkbZ-,e-Vh- 28

¶76

esa MªkbZoj] fDyuj ¼[kyklh½ o daMDVj dh {kfriwfrZ dks vko`r fd;k x;k gS

¶77

(12 of 14) [CMA-3540/2017]

¶78

o vkbZ-,e-Vh- 20 ds rgr dqy fizfe;e jkf'k 50@& #i;s fy;s tkus dk izko/kku gS o 50@& #i;s dh jkf'k chek dEiuh }kjk chek fd;s tkus ds le; esa olwy dh x;h gSA ,slh fLFkfr esa ;g ugha ekuk tk ldrk fd chek dEiuh vkbZ-,e-Vh- 28 ds rgr erd tks fd iz'uxr okgu esa [kyklh Fkk] fd {kfriwfrZ dh vnk;xh ds nkf;Ro ls vkc) ugha gSA ,slh fLFkfr esa fo}ku vf/kdj.k }kjk erd dks iz'uxr okgu esa [kyklh ekurs gq, mldh {kfriwfrZ vnk;xh dk nkf;Ro tks chek dEiuh ij Mkyk x;k gS] mlesa ge dksbZ gLr{ksi fd;k tkuk mfpr ugha le>rs gSaA bl laca/k eas jsLiksaMsaV@vihykaV chek dEiuh dh vksj ls yh x;h vkifŸk lkjghu gksus ds dkj.k vLohdkj dj [kkfjt dh tkrh gSA

¶79

17mijksDr lexz foospu vuqlkj fo}ku vf/koDrk jsLiksaMsaV@vihykaV chek dEiuh dh vksj ls izLrqr vihy la[;k&4240@2017 esa yh x;h vkifŸk;kas esa dksbZ lkj ekStwn ugha gksus ls mDr vihy cyghu o lkjghu gksus ds dkj.k vLohdkj dj [kkfjt dh tkrh gSA

¶80

18mDrkuqlkj [email protected] dh vksj ls lafLFkr dh x;h vihy la[;k&3540@2017 dks vkaf’kd :i ls Lohdkj fd;k tkdj [email protected] fuEu izdkj ls {kfriwfrZ jkf'k izkIr djus ds vf/kdkjh gSa %&

¶81

Øe la-	'kh"kZ@en	vf/kdj.k }kjk fnyokbZ x;h jkf’k	bl fu.kZ; ds rgr fu/kkZfjr dh x;h jkf’k
1-	vkfJr vk; dh {kfr ds en esa	7]20]000@&	11]91]552@&
2-	dalksfVZ;e ds en esa	leLr izkFkhZx.k dks 1]40]000@&	nkokdrkZ la[;k&1 yxk;r 5] izR;sd dks 48]000@&#i;s] dqy
			2]40]000@&
3-	vafre laLdkj ds en esa	25]000@&	18]000@&

¶82

[CMA-3540/2017]

¶83

(13 of 14)

¶84

4-	lEink dh gkfu ds en esa	'kwU;	18]000@&
	dqy	8]85]000@&#i;s	14]67]552@&#i;s

¶85

19rnuqlkj [email protected] dh vksj ls izLrqr vihy la[;k&3540@2017] vkaf’kd :i ls Lohdkj dh tkdj fo}ku vf/kdj.k }kjk ikfjr iapkV ftlds }kjk fd [email protected] dks 8]85]000@& :i;s fnyok;s tkus dk vkns'k ikfjr fd;k x;k gS] ds LFkku ij 14]67]552@& :i;s dk iapkV ikfjr fd;k tkrk gSA [email protected] }kjk iwoZ esa izkIr dh x;h jkf’k dks iapkV jkf’k esa ls lek;ksftr fd;k tkdj 'ks"k jkf’k [email protected] izkIr djus ds vf/kdkjh ik;s tkrs gSaA

¶86

20mijksDr leLr foospu ds vk/kkj ij jsLIkksaMsaV@vihykaV chek dEiuh dh vksj ls lafLFkr vihy la[;k&4240@2017 cyghu o lkjghu gksus ds dkj.k vLohdkj dj [kkfjt dh tkrh gSA

¶87

21bl U;k;ky; ds LFkxu vkns'k fnuakd 04-01-2018 ds vuqlkj chek dEiuh dks vkns'k fn;k x;k Fkk fd og vf/kdj.k }kjk vknsf'kr lEiw.kZ jkf'k fo}ku vf/kdj.k ds le{k tek djok, rFkk tek djokbZ xbZ lEiw.kZ jkf'k esa ls 50 izfr'kr jkf'k dk forj.k izR;FkhZ&DysesaV~l dks fd;k tk, rFkk 'ks"k 50 izfr'kr jkf'k] jk"Vªh;Ñr cSad esa ,Q-Mh-vkj- ds :i esa tek j[kh tkosA pawfd bl U;k;ky; }kjk chek dEiuh dh vihy dks vLohdkj dj [kkfjt fd;k x;k gSA ,slh fLFkfr esa vf/kdj.k ds le{k tks 50 izfr'kr {kfriwfrZ jkf'k ,Q-Mh-vkj- ds :i esa tek gS] mldk Hkqxrku bl U;k;ky; }kjk fu/kkZfjr dh x;h jkf'k dks n`f"Vxr j[krs gq, fu;ekuqlkj [email protected] dks dj fn;k tkosA

¶88

(14 of 14) [CMA-3540/2017]

¶89

22bl vkns'k }kjk c<kbZ x;h {kfriwfrZ jkf'k ij ;kfpdk nk;j djus dh frfFk ls [email protected]] 8 izfr'kr okf"kZd C;kt izkIr djus ds vf/kdkjh gSaA

¶90

23vkns'k dh izfr ds lkFk] izdj.k dk vfHkys[k] vfoyEc lacaf/kr vf/kdj.k dks ykSVk;k tkosA

¶91