← Library
High Court of Punjab and HaryanaFAO/714/2023disposed of

United India Insurance Co Ltd v. Swaran Singh And Others

2026-01-19Mr. Justice Parmod Goyal8 pages

1- 

         

 !"#$!%&'&"()*++,  

          

 !"#$!%&'&"()*++,  

           -

 !"#$!%&'&"()*++,  

         ) ./

+ 0

 /



!" #  $

%   '

()*+,(-+-. '

(*-)*(-+-.   /$

%   0 )(

12 '

()*+,(-+-. '

(*-)*(-+-.   /$

%   '

(34)(-+-. !" #  $

%   '

(34)(-+-.

 /1+ /

 ,&(  

         *  1    &  &

 2 &464 2&   &

-2-      72

    &  ,&(

       8  & (

12

%  $%

 

822 &

% 

  *,2

1 &  '

            $       &

% 1 82 (

12  

  82

129 & :

&& %  & 7   $%



  "  ;< =4$;< =- ;< =.

     &        '

()*+,(-+-.    '

( *-)*(-+-.    

 8



 

% 

 2 1 1& $ $ 2 8&

 & 82 (

12&

%  -+-. 2$1

  1 

00 >      &'

()*+,(-+-.$'

(*)-*(-+-.     '

(34)(-+-.  >   &    %  8  &  82  $    8& 82

12  1  +,+,-+-- 82

-3-

   1  >8$  #  ? &   &

  @2&34(5AB - '

(*-)*(-+-. 8& 82 1 $  1 =  2 8

 = % &(  (

$ 

$1 1

(+,(-+-4$ %    & 12       C  !:        1

  %   

-*4--+-+   &   % & 0 4   %88  0 #4.

66+3 && 

& >8 0 -    %

 & 0 4  $ 1

            $  &     82 

12 .

  >8    

     4D$..$+++=(

  1  $ &  '

0 )*+, &-+-.

'

0 )*-* &-+-.    1   

>8  

 &   

  $  & 

12   >8  2 1  &@4)A82 "

8)4 2$ 2 8 &

 $  

  1"



 <1 

-4-  

 )

1

2$ 

%   ( 1   %  

  *

 &     

    (1 1

     &)4

)*2  &

   

 81

8)42 %$



 82  

8  82<1



82 %  &1  82



 $ 1"  $1

2 8 $

 <1 & 

=     =8 & 

8 D >     >8             

  0

8    1

    $       &;%  

8$ %$



1



9

8  2

   8 

8 &1 8 & & ( 1     2

%

   %8 &8 2 &   ;%  > 29

  %   82

 82<1 

 %$ 

82 

-53   &  1        (

12   

 8 12$  (1 1 8 & 

&

8 " %%   $ (

1282 2 &

%    %%

 $     $   8 1    *,  2  0  8

    8  

    



 

7 %

 $       "   8 &21 

 





  2    %$1 %

8 "

  & 1

2$ 

   (1 1 8 "   &  

8 %& 

1   $  " 8  *D

D+21  2

%

  $            8   2 

$      $4=.

 

81  <& 1 1

1    2> & $1  &6 88 ,

  %       9 1  82  9 1 1 82 >8  

8    1  82    

>8  2 " 1

86$+++=(%

-6-

  111    28 

 "   "      



   " 4*$+++=(& 1

"

   "$   2

4+$+++=( %$ 8 %(

 1 82            #  ( E(4  

7 ( E(-

 82 >8   1    8              

   82  2 



2  %   : &2   1    %      82   6   

1   $ ( 1   

   12  2     &(%   1  1   82    8      <1   (% 

  % 

(

   2 "  & 1

E(4(#  

   2 (  % 1& 1   

4*$+++=( 12$7 ( E(- 

2$ %8&&  821"4+$+++=(

4-$+++=(1 4+

8          <1 ( 1   2

2% =1 

    %$

   1 1  

  ( 1 $<   2$

 % 

 8&   8 %   2

-7- 1:

 2 &    F 

 &  1  

 8  1  82 

  %    8 

2 % =1   #

E(4   E(-    

 

  ( 1   (%>   2 %

88

 18 & 1  1  21  

   " 1 28 && % 

>8 

 %

 1 "82 "   %  E4 E(-> & $ "& 

   " 2 "$ 8   "

&&  " 1 81   "  " 

& $   1  "

 8 4)$+++=(  1  6$+++=( "82 >8  $ 

1   2$ <

< &4=.  %

8     &@6A 88  8 

88    &*D

D+2 4+G

 &    

8 & 1   2 44

2$  ( "     28 

  ( 1  1 ( &  ( Income Rs.14,000/- per month Rs.14,000/- per month Future Prospects 10% (Rs.1400/-) Rs.15,400/- (14000+1400/-) Deduction 1/3rd (Rs.15400-5133) Rs.10263/- Multiplier Total loss of 10263X9X12 Rs.11,08,404/-

-8dependency Loss of Estate Rs.16,500/- (awarded by Tribunal) Rs.16,500/- Funeral Expenses Rs.16,000/- (awarded by Tribunal) Rs.16,500/- Loss of spousal and parental consortium Rs.44,000/-X 2 Rs.1,32,000/- Total Compensation awarded by the Tribunal Rs.16,33,000/- Total Compensation awarded in appeal Rs.12,73,404/- Difference of amount of compensation Rs.16,33,000/-(awarded by Tribunal) - Rs.12,73,404/- (awarded in appeal) Rs.3,59,596/- 4-

   

 4-$3.$)+)=(  ;<  1  $  &  2   $  8  &

  ( 

12   $ 1 8

2  8 2$'

0 34) -+-.& 82 (

12  '

0 )*+,

&  -+-.    '

  0 *-)*  &  -+-.  &

  &8 % 1 4.

 ?B$&2$   & 4)

2  8 & &  

 /

   *++,   E  "=

H=0

E   8 H=0