Partly allowed

Prem and Ors. v. Reliance General Insurance Co. Ltd. Andanr

Rajasthan HC10 Sept 2025CMA/6281/2017

Case brief

AI extract

What is this about?

Appeal by claimants against a motor accident compensation award sought enhancement of the deceased's assessed income and conventional heads. The court reduced income loss but enhanced consortium, loss of estate and funeral expenses per recent Supreme Court rulings, netting a small deduction, with pay-and-recover against the vehicle owner.

What the court decided

AI extract

Prem and Ors. Vs Reliance General Insurance Co. Ltd… — Motor Accident Claims | Rajasthan HC (2025)

¶1

[2025:RJ-JP:33643]

¶2

HIGH COURT OF JUDICATURE FOR RAJASTHAN BENCH AT JAIPUR

¶3

S.B. Civil Miscellaneous Appeal No. 6281/2017

¶4

Prem W/o Late Puran, Aged About 44 Years

¶5

Raju Aged About 18 Years (Deceased)

¶6

Dinesh @ Kalla, S/o Late Puran Lal, Aged About 23 Years

¶7

Geeta D/o Late Puran Lal, Aged About 21 Years

¶8

Gopesh S/o Late Puran Lal, Aged About 18 Years

¶9

Pawan S/o Late Puran Lal, Aged About 16 Years, Minor Through His Natural Guardian His Mother Prem W/o Late Shri Puran,

¶10

All R/o Dhobi Pada, Presently Thakurpada, Near Petrolpump, Police Station Badi, District Dholpur Rajasthan.

¶11

----Appellants/Claimants

¶12

Versus

¶13

Reliance General Insurance Company Ltd. Having Its Registered Office At Reliance Sector, 19 Balchand Heerachand Marg, Balard, East Mumbai, Maharastra (Insurance Company)

¶14

Radhey Shyam S/o Bangali, R/o Phodepura, Post Neemkheda, Police Station Kanchanpur, District Dholpur (Owner)

¶15

----Respondents/Non-Claimants

¶16

For Appellant(s) : Mr. D.K. Garg, Adv. For Respondent(s) : Mr. Manish Parashar, Adv. Mr. C.S. Jodha, Adv.

¶17

HON'BLE MR. JUSTICE CHANDRA PRAKASH SHRIMALI

¶18

Order

¶19

RESERVED ON : 07/08/2025 PRONOUNCED ON : 10/09/2025

[CMA-6281/2017]

[2025:RJ-JP:33643]

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vihykFkhZx.k@nkosnkjku dh vksj ls ;g vihy eksVj nq?kZVuk nkok vf/kdj.k] /kkSyiqj }kjk izdj.k la[;k 93@2015 ¼68@2010½ esa ikfjr fu.kZ; o vokMZ fnukad 07-09-2017 ls O;fFkr gksdj is'k dh] ftlds ek/;e ls nkosnkjksa ds i{k esa dqy 8]47]000@& :i;s dk izfrdj] ;kfpdk is'k djus dh fnukad ls olwyh rd 7 izfr'kr okf"kZd C;kt lfgr fnyk;k x;k gS] ftlesa c<ksrjh gsrq ;g vihy bl U;k;ky; ds le{k is'k dh x;h gSA

¶24

vkjksfir okgu ds Lokeh@pkyd o chek daiuh dh vksj ls dksbZ vihy izLrqr ugh dh x;h gSA

¶25

vihykFkhZx.k ds fo}ku vfHkHkk"kd dk cgl ds nkSjku rdZ jgk gS fd nq?kZVuk esa iwjuyky dh eR;q gqbZ gS vkSj mlds fof/kd izfrfuf/k;ksa dh vksj ls Dyse ;kfpdk izLrqr dh x;h gSA bl izdj.k esa vihykFkhZx.k dh vksj ls izn'kZ&13 gjh ckcw vkjk e'khu y?kq m|ksx }kjk tkjh osru izek.k i= izLrqr fd;k x;k gS] ftlds vuqlkj mDr y?kq m|ksx esa erd dk;Z dj jgk Fkk vkSj mls vkjk e'khu ij 300@& :i;s izfrfnu ds fglkc ls 9]000@& :i;s izfrekg osru izkIr gksrk FkkA mDr rF; ij fo'okl ugh dj fo}ku vf/kdj.k us erd dh 4]000@& :i;s izfrekg vk; fu/kkZfjr djus esa fof/kd Hkwy o =qfV dh gSA blds vfrfjDr erd dh vk; dks nf"Vxr j[krs gq, 50 izfr'kr dh Hkfo"; esa vk; of) dk ykHk fn;k tkuk pkfg,] tcfd fo}ku vf/kdj.k us Hkfo"; esa vk; esa 30 izfr'kr dh o`f) dh gSA blds vfrfjDr fo}ku vf/kdj.k us chek daiuh dks nkf;Ro ls eqDr fd;k gSA pwafd iz'uxr okgu ftlls nq?kZVuk ?kfVr gqbZ] og chfer Fkk] ,slh fLFkfr esa vxj chek 'krksZa dk Hkh mYya?ku gqvk gS rks Hkh chek daiuh dh {kfriwfrZ jkf'k vnk djus dh ftEesnkjh gSA chek daiuh okgu ekfyd izR;FkhZ

[CMA-6281/2017]

[2025:RJ-JP:33643]

(3 of 9)

la[;k 1 ls ;k vU; izR;FkhZx.k ls mDr jkf'k olwy dj ldrh gSA vr% vihykFkhZx.k dh vihy Lohdkj dh tkosA

¶30

vihykFkhZx.k ds fo}ku vfHkHkk"kd dh vksj ls vius rdksZa ds leFkZu esa fuEufyf[kr U;kf;d n`"Vkar izLrqr fd;k x;k%&

¶31

Amrit Paul Singh & Anr. Vs. TATA AIG General Insurance 2018 (7) SCC 558

¶32

izR;FkhZx.k ds fo}ku vfHkHkk"kd dk cgl ds nkSjku ;g rdZ jgk gS fd izn'kZ&13 nLrkost rS;kj djus okys O;fDr dks vihykFkhZx.k dh vksj ls ijhf{kr ugh djok;k x;k gSA gfj ckcw vkjk e'khu y?kq m|ksx dk ekfyd erd iwju dks 9]000@& :i;s izfrekg nsrk Fkk] bl laca/k esa erd dh osru izkfIr jlhn] is&fLyi] cSad iklcqd] gkftjh jftLVj vkfn izLrqr ugh fd;s gSaA ,slh fLFkfr esa fo}ku vf/kdj.k us erd dh 9]000@& :i;s izfrekg vk; ugh ekuus esa dksbZ fof/kd Hkwy o =qfV ugh dh gSA erd iwju ojoDr nq?kZVuk 40 o"kZ dk Fkk] ;fn og 60&65 o"kZ rd thfor jgrk rks mldh vk; esa 30 izfr'kr dh of) gksuk laHkkfor FkkA ,slh fLFkfr esa fof/k vuq:i U;k;ky; }kjk 30 izfr'kr dh of) dh x;h gSA vU; enksa esa Hkh U;k;ky; us tks jkf'k fnyk;h gS] og Hkh fof/k vuq:i fnyk;h gSA vr% vihykFkhZx.k dh vihy vLohdkj dj [kkfjt dh tkosA

¶33

eSaus mHk;i{kksa ds rdksZa ij euu fd;k rFkk i=koyh dk voyksdu fd;kA

¶34

orZeku izdj.k esa Dyse ;kfpdk ds vuqlkj fnukad 17-01-2010 dks erd iwjuyky iz'uxr VSEiks esa cSBdj /kkSyiqj vk jgk FkkA VSEiks pkyd us VSEiks dks rst xfr o ykijokgh ls pykdj VSEiks dks iyV fn;k] ftlls iwjuyky dh eR;q gks x;hA iksLVekVZe fjiksVZ izn'kZ&6 esa e`rd iwjuyky

[CMA-6281/2017]

[2025:RJ-JP:33643]

(4 of 9)

mQZ iwju dh mez 40 o"kZ vafdr dh x;h gSA ,slh fLFkfr esa fo}ku vf/kdj.k us ojoDr nq?kZVuk erd dh vk;q 40 o"kZ fu/kkZfjr djus esa dksbZ fof/kd Hkwy o =qfV ugh dh gSA tgka rd ojoDr nq?kZVuk erd }kjk gjh ckcw vkjk e'khu y?kq m|ksx esa etnwjh djds 9]000@& :i;s izfrekg vk; vftZr fd;s tkus dk iz'u gS] izn'kZ&13 nLrkost dks lkfcr djus ds fy, vkjk e'khu ds ekfyd gjh ckcw dks vihykFkhZx.k dh vksj ls ijhf{kr ugh djok;k x;k gSA erd vkjk e'khu ij dke djrk Fkk] blds laca/k esa gkftjh jftLVj izLrqr ugh fd;k x;k gSA lkFk gh erd vkjk e'khu ij dke djds 9]000@& :i;s izfrekg izkIr djrk gks] bl laca/k esa Hkh izkfIr jlhn Hkh izLrqr ugh dh x;h gS] uk gh is&fLyi] cSad LVsVesaV oxSjg izLrqr fd;s x;s gSaA ,slh fLFkfr esa erd dh 9]000@& :i;s ekfld vk; ekus tkus dk dksbZ U;k;laxr vk/kkj ugh gSA A.W.-1 izse tks erd iwjuyky dh iRuh gS] vius c;kuksa esa vius ifr }kjk etnwjh fd;k tkuk crkrh gS rFkk izn'kZ&13 nLrkost ds vk/kkj ij ;g lkfcr ugh gqvk gS fd erd iwjuyky vkjk e'khu ij dk;Z djrk gksA ,slh fLFkfr esa fnukad 24-05-2008 ds uksfVfQds'ku] tks fnukad 01-03-2008 ls izHkko esa vk;k rFkk fnukad 01-01-2011 rd izHkkoh jgk] mlds vuqlkj nq?kZVuk fnukad 17-01-2010 dks nf"Vxr j[krs gq, erd dks v)Zdq'ky Jfed ekurs gq, 107@& :i;s izfrfnu ds fglkc ls 30 fnu dh etnwjh 3210@& izfrekg fu/kkZfjr dh tkrh gSA fo}ku vf/kdj.k us erd dh 4]000@& :i;s ekfld vk; ekuh gS] og fdl vk/kkj ij ekuh gS] blds laca/k esa foLrr foospu fo}ku vf/kdj.k us vius fu.kZ; esa ugh fd;k gSA ,slh fLFkfr esa erd dh ekfld vk; 3]210@& :i;s izfrekg fu/kkZfjr dh tkrh gSA

¶39

ekuuh; mPpre U;k;ky; }kjk vo/kkfjr fofu'p; National Insurance Co. Vs Pranay Sethi & Ors., (2017) 16 SCC 680 ds vuqlkj

[CMA-6281/2017]

[2025:RJ-JP:33643]

(5 of 9)

erd dh 40 o"kZ dh vk;q dks nf"Vxr j[krs gq, 15 dk xq.kd iz;ksx esa fy;k tkuk U;k;ksfpr izrhr gksrk gSA fo}ku vf/kdj.k us Hkh 15 ds xq.kd dk iz;ksx fd;k gS rFkk erd ds vkfJrksa dh la[;k dks /;ku esa j[krs gq, erd dh vk; esa 1@4 Hkkx dh dVkSrh dh gS] tks mfpr fof/k vuq:i gSA mDr dVkSrh ds i'pkr erd dh ekfld vk; 2408@& :i;s izfrekg 'ks"k jgrh gSA erd Lofu;ksftr Fkk rFkk 40 o"kZ dk Fkk] ,sls esa mls mijksDr U;kf;d n"Vkar ds vuqlkj 25 izfr'kr dh nj ls Hkfo"; esa vk; of) dk ykHk fn;k tkuk U;k;ksfpr izrhr gksrk gSA

¶44

rn~uqlkj vk; gkfu dh x.kuk dh tkos rks ;g jkf'k 2408x12x15=4,33,440@& :i;s laxf.kr gksrh gS rFkk blesa 25 izfr'kr Hkfo"; esa vk; o`f) dk ykHk 1]08]360@& :i;s tksM+s tkus ij ;g jkf'k 5]41]800@& :i;s gksrh gS] tcfd fo}ku vf/kdj.k }kjk bl en esa 7]02]000@& :i;s fnyk;s gSaA vr% vk; gkfu ds en esa 1]60]200@& :i;s de fd;s tkus ;ksX; gSaA

¶45

National Insurance Co. Vs Pranay Sethi & Ors.¼mijksDr½ fofu'p; esa ekuuh; mPpre U;k;ky; us ;g vfHkfu/kkZfjr fd;k gS fd%&

¶46

"54. ........................ It seems to us that reasonable figures on conventional heads, namely, loss of estate, loss of consortium and funeral expenses should be Rs. 15,000/-, Rs. 40,000/- and Rs. 15,000/- respectively. The principle of revisiting the said heads is an acceptable principle. But the revisit should not be fact-centric or quantum-centric. We think that it would be condign that the amount that we have quantified should be enhanced on percentage basis in every three years and the enhancement should be at the rate of 10% in a span of three years. We are 41 disposed to hold so because that will bring in consistency in respect of those heads."

[CMA-6281/2017]

[2025:RJ-JP:33643]

(6 of 9)

bl izdkj mDr fofu'p; ekuuh; mPpre U;k;ky; }kjk fnukad 31-10-2017 dks ikfjr fd;k x;k gSA mlds i'pkr Sadhana Tomar & Ors. Vs. Ashok Kushwaha & Ors. Civil Appeal No. 3763/2025 fofu'p; esa ekuuh; mPpre U;k;ky; }kjk fnukad 24-01-2025 dks iz.k; lsBh ¼iwoksZDr½ ds fu.kZ; ds vuq:i fu.kZ; ikfjr dj nq?kZVuk ds i'pkr dalksfVZ;e dh gkfu] lEink dh gkfu o vafre laLdkj ds enksa esa izR;sd rhu o"kZ i'pkr 10 izfr'kr dh of) dh x;h gSA blh izdkj dk er ekuuh; mPpre U;k;ky; }kjk Kavita Devi & Others Vs. Sunil Kumar & Another Diary No. 47285/2018 esa ikfjr fu.kZ; fnukad 06-08-2025 esa O;Dr fd;k gSA mDr fu.kZ; ekuuh; mPpre U;k;ky; }kjk Magma General Insurance Co. Ltd. Vs. Nanuram & Ors. (2018) 18 SCC 130 esa vfHkfu/kkZfjr fl)akrksa ds vuq:i fd;k x;k gS] ftlesa dalksfVZ;e] izse&Lusg dks foLrr :i ls foosfpr djrs gq, eksVj okgu vf/kfu;e dks ykHknk;d o dY;k.kdkjh fof/k gksuk crkrs gq, mfpr izfrdj fu/kkZj.k ds laca/k esa er O;Dr fd;k x;k gSA ,slh fLFkfr esa bl izdj.k esa Hkh dalksfVZ;e dh gkfu] lEink dh gkfu o vafre laLdkj ds enksa esa iz.k; lsBh ¼iwoksZDr½ ds fu.kZ; fnukad 31-10-2017 ds vuq:i izR;sd rhu o"kZ esa 10 izfr'kr dh o`f) dk ykHk fn;k tkuk U;k;ksfpr izrhr gksrk gSA

¶51

vihykFkhZ la[;k 2 dh Dyse ;kfpdk yafcr jgus ds nkSjku e`R;q gks x;h Fkh] ftls fo}ku vf/kdj.k }kjk dalksfVZ;e dh gkfu ds en esa dksbZ jkf'k ugh fnyok;h x;h gS] fo}ku vf/koDrk vihykFkhZ us Hkh bl laca/k esa cgl ds nkSjku dksbZ rdZ izLrqr ugha fd;k gSA

¶52

vr% ijEijkxr 'kh"kZd esa ekuuh; loksZPp U;k;ky; }kjk mijksDr U;kf;d n`"Vkarksa esa ikfjr fl)kar ds vuqlkj dalksfVZ;e gkfu ds en esa

[CMA-6281/2017]

[2025:RJ-JP:33643]

(7 of 9)

vihykFkhZ la[;k 1 rFkk 3 yxk;r 6] izR;sd 48]400@& :i;s vFkkZr~ dqy 2]42]000@& :i;s rFkk vafre laLdkj ds en esa 18]150@& :i;s rFkk lEink dh gkfu ds en esa Hkh 18]150@& :i;s vFkkZr mDr enksa esa dqy 2]78]300@& :i;s izkIr djus ds vf/kdkjh gSa] tcfd vf/kdj.k us mDr enksa esa dsoy 1]45]000@& :i;s gh fnyk;s x;s gSaA vr% mDr enksa esa dqy 1]33]300@& :i;s c<+ksrjh ;ksX; gSaA

¶57

bl izdkj fo}ku vf/kdj.k }kjk vihykFkhZx.k@nkosnkjku dks dqy 8]47]000@& :i;s izfrdj jkf'k fnyk;h x;h gS] tcfd mijksDr foospu ds vuqlkj vihykFkhZx.k dqy 8]20]100@& :i;s izkIr djus ds vf/kdkjh gSaA vr% vihykFkhZx.k@nkosnkjku fo}ku vf/kdj.k }kjk fnyok;h x;h jkf'k esa ls 26]900@& :i;s de izkIr djus ds vf/kdkjh gSaA

¶58

/kkjk 173 eksVj;ku vf/kfu;e] 1988 ds varxZr izLrqr vihy esa fo}ku eksVj nq?kZVuk nkok vf/kdj.k }kjk ikfjr iapkV esa ;qfDr;qDr o i;kZIr izfrdj vfHkfu/kkZfjr ugha fd;s tkus ij chek daiuh ;k DysesaV~l dh vihy ;k ØkWl vihy ugha gksus ij Hkh fof/kd fl)karksa ds vk/kkj ij vihyh; U;k;ky; izfrdj jkf'k ifjofrZr dj ldrk gSA ekuuh; mPpre U;k;ky; }kjk iz.k; lsBh ¼iwoksZDr½ vkSj vU; fofHkUu fofu'p;ksa esa vfHkfu/kkZfjr fl)karksa dks n`f"Vxr j[krs gq, vf/kdj.k }kjk izfrdj jkf'k T;knk fnyok;h x;h gS] ftls de fd;k tkuk U;k;ksfpr izrhr gksrk gSA

¶59

orZeku izdj.k esa fo}ku vf/kdj.k us nq?kZVuk dkfjr djus okys okgu ds pkyd ds ikl eqjSuk] e/;izns'k dk oS/k o izHkkoh ijfeV ugh gksus vkSj izLrqr ijfeV dk ?kVuk dh fnukad dk ugh gksus ds vk/kkj ij {kfriwfrZ jkf'k dh laiw.kZ vnk;xh dh ftEesnkjh izR;FkhZ la[;k 2 okgu Lokeh dh crk;h gS vkSj izR;FkhZ la[;k 1 chek daiuh dks {kfriwfrZ jkf'k dh vnk;xh ds

¶60

(8 of 9) [CMA-6281/2017]

¶61

[2025:RJ-JP:33643]

¶62

nkf;Ro ls eqDr fd;k x;k gSA cgl ds nkSjku vihykFkhZx.k ds fo}ku vfHkHkk"kd us fo}ku vf/kdj.k }kjk mDr er fof/kfo:) vfHkfu/kkZfjr fd;k x;k gks] bl ij dksbZ cy ugh fn;k x;k gS] dsoy ;g rdZ j[kk x;k gS fd pwafd okgu chek daiuh ds ;gka chfer Fkk] ,slh fLFkfr chek daiuh izfrdj jkf'k dh vnk;xh ds fy, nkf;Rok/khu gS rFkk chek daiuh {kfriwfrZ jkf'k izR;FkhZ la[;k 2 ls olwy dj ldrh gSA

¶63

bl laca/k esa vihykFkhZx.k dh vksj ls izLrqr fofu'p; Amrit Paul Singh & Anr. Vs. TATA AIG General Insurance 2018 (7) SCC 558 dk lqlaxr Hkkx fuEukuqlkj gS%&

¶64

"23. .................... Therefore, the tribunal as well as the High Court had directed the insurer was required to pay the compensation amount to the claimants with interest with the stipulation that the insurer shall be entitled to recover the same from the owner and the driver. The said directions are in consonance with the principles stated in Swaran Singh and other cases pertaining to pay and recover principle."

¶65

ekuuh; mPpre U;k;ky; }kjk ikfjr mijksDr fofu'p; ds vuqlkj vihykFkhZx.k chek daiuh ls {kfriwfrZ jkf'k izkIr djus ds vf/kdkjh gksaxs rFkk chek daiuh izR;FkhZ la[;k 2 okgu Lokeh ls fof/k esa of.kZr izko/kkuksa ds rgr mDr {kfriwfrZ jkf'k izkIr djus dh vf/kdkjh gksxhA

¶66

mijksDr foospukuqlkj ;g vihy vkaf'kd :i ls Lohdkj dj fo}ku eksVj nq?kZVuk nkok vf/kdj.k] /kkSyiqj }kjk izdj.k la[;k 93@2015 ¼68@2010½ esa ikfjr fu.kZ; o vokMZ fnukad 07-09-2017 dks mikUrfjr djrs gq, vkns'k fn;k tkrk gS fd fo}ku vf/kdj.k }kjk tks izfrdj jkf'k vihykFkhZx.k dks fnyok;h x;h gS] vihykFkhZx.k mlesa ls 26]900@& :i;s de izkIr djus ds vf/kdkjh gksaxs rFkk vihykFkhZx.k og jkf'k izR;FkhZ la[;k

¶67

(9 of 9) [CMA-6281/2017]

¶68

[2025:RJ-JP:33643]

¶69

1 chek daiuh ls izkIr djus ds vf/kdkjh gksaxs rFkk chek daiuh mDr jkf'k izR;FkhZ la[;k 2 okgu Lokeh ls olwy djus dh vf/kdkjh gksxhA vihyk/khu vkns'k dh 'ks"k 'krsaZ ;Fkkor jgsaxhA

¶70

fo}ku vf/kdj.k dk vfHkys[k ;fn bl U;k;ky; dks izkIr gks j[kk gS] rks bl vkns'k dh izfr ds lkFk ykSVk;k tkosA

¶71

(CHANDRA PRAKASH SHRIMALI),J

¶72

MANISH SAINI /Res.

Prem and Ors. v. Reliance General Insurance Co. Ltd. Andanr

Case brief

What is this about?

What the court decided

Prem and Ors. v. Reliance General Insurance Co. Ltd. Andanr

Case brief

What is this about?

What the court decided

A compact analysis

Issues for consideration

Cases cited

Statutes considered

Parties & counsel

Coram

Case details

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