← Library
High Court of Punjab and HaryanaCR/6320/2016disposed of

National Insurance Co. Ltd. v. Janki

2019-08-08Mr. Justice Arun Palli13 pages

  

  !

     "





#$ $%&& ' ( (

  

   

  

"



 

   

 



   )'

*+) , )+  , 

      

    



 

 

  ! !  !!



 "



# 

  

-. ##

,& /01 

    !"!  

 #

$$  

 %

  #%$#!  &'#&'()#

    *

  "!   "



  

  $ $   

 

$ 

" " 

    *

# "

   !  

     "



"   #" #     *



#   * +

  ! #  $ 

#

 " #    " !$ 

" $ - 

$ "  #   

   

$  "    .   

 "  

#    2 3& / 

&452& /&%$26 %-$ 7&%$2 / 012"&''13#  4''4&'((#  !

$    

$#

"

  " 

"

$ 

 "

5 

#  "  

  !%

#!$ "

   # !     #        &  " $!

!  #

  " $ #  )0(1"&'()#

 !"  %

#  

6  #  #  

    )4&' "&'()#     ""    

 * 6  #5

 #   

!  "   .  $#%$#/   "



# !$  "



 3 7!

 " #  "

  "  



   # 

    4 "

#% 

%  #    $"      "

5 (108" * #(1)(#  * "

# #   " :  /(3 

#!$  6

"#   !" $   ! "   ;! " 

<#

# "

"



"   " "



!

"

  " ! #

 

  #

 8*   "

9 ;=    6 "#    #  $

    

  "

     !



 

"

 

    !    *         

 " 

/3

/!3" 00

$ "   $ " 



 #

!!

 8*  < >*8? 

    ! "  " 





@  !

@ @5

 

@ !  # ! "

" 

! 

#

$

!!

"

 

"     "





$< ***** ***** *****

  "

!8 /(3

8 ***** ***** ***** ;/*3  

   

  !    "       

   !



 + /*3  

      !    "       



   !



   "

 #

!# $$ $"   "

 

$ "   * "" $

 9<A ***** ***** **** 0    "



$".  

!6$ 

  52& $$8 9

#$.6$3 &

52

%$+# &''1/&'3/32(2 #   

 $  !" #    

$     # :       "  

A  " #"  

"  *   2'#'''B8#   "

*/3"

!8 4"5 (108#      

  

*

"  

"    *       

$".

"

52$6,& /0

#0$26,# #$ 2:

#0$2 &'(0  /0)3    /3  024#         /     *  "

"  ,    ,  #(C103#  # *  !  5 2)"

* # "



 2 7  #"

#

$" .  

/ !  ! 3# 

       /

3       #     " $ 

!

 ,  "  !"

! !"  

 :3 -  ! %

   "   !  D  "

 D   " " 



; $ $ 3 -    " 

  

"     "

E 3 -   

!

 !

   !   E 3 -  $.! 

 " #

    "

E 3 -     !    =   E 3 -   ! %  "

EA 6$    #   " #

,  /3/398 :&1 5 (10/43/*3

   " "

   "      !    !       

 "   - #

#"  ,  "   ! "" 

 ! 

"

  "    ! %

   "

 #

#

 

# 

!A ) -  !"

 !

# $ " "

 # #!

!$$ 5"= ! $ 

  

   $!  

  *" 

 "

* 





! 5B $ #   

/ 5B   ""

3#!  * 

#  !#

    "   !%



# !  !$ 



  /         3+    #  *        ! 



 *"

/*3"

!8 /43"

5 (108"  "(1)( F    # #   # "

  " 

$"

# 

!$ "   #  * 



#!$      /  !     3 C  *#

!  #  !#5 (108 " *    

   6 G?#   !" $ 

 ! " /  ! " 

3# !

*

#  ! 6  #

 "  #!



  ,   "    !"   #       

     !       *!              "  



#!$ 

"  # *! /"  $  #   " 



 *

   ""   "   *!8"   $  C"

$ "

  !

"

3

      !    "  

$       

$ =  #"" 6$ 

#   5  

# 

"     #  

$

!

    " 3 --&& $2 %-$ 71$ / .6,0 3< ..

%$

=

-8

:  (14&=  (4C + 3

& -2&#>5 26--&& $2 %-$ 71  ?  /(10)3H I 2)( + 3 /056

0&)&..+#1-4 :6--&& $2 %-$ 71-4 :&#:

/(12&3HH  0C0 + 3 @ 52> - 90:

 & ,& /0 -/ 206 --&& $2 %-$ 71&0 2

2&

    (104=  (24+ 3 6& %0

2 )  #.

.1-4 :6--&& $2  %-$ 71-4 :&#:

 (12252C + 3 0$--&& $2 %-$ 71:$2 1 $%%

6)AB C&2,5.#

 1  (1215C(0 + 3 &#+ .

6$2&6>>,$  (1)25(4F2 + 3 ,$

&2 -  / 2- ..6--&& $2 %-$  71  -1  (1)(5(2F1 + *3 ,5#0$2.

6--&& $2 .

$6$ 5$ /(1(C3 (&* )4+ *3 6> 2#0&9$:

(1145 45&&&  1

" #



$"   

   4 . )#2  ,$26&%$ +# 

 

0$2 6  )> B$.53 -&

#0$2   (1)&5( # *" 

  I   /!

    "(1413#

      !%

# ! "    /



 ! !" 3 (' 6$  ! , #  " !

 " :-   ,  

 "

 !   "  !     " A

(    " 

#

5  (F(" I  #(1CC#

  " := 2& #$2$#30$2$

:%.

&-& ..3$' -    "  

#

    "  

 !

 "



   "$    " ! "A

" #

$" 5 

--&& $2  %-$# 71 2& 6 0

0:

-D"

/&''134(2 (   

#   "  !   !    5 40"  ,  #(C10#   "

/"  , "3  !  

" 

 "*! 

$" 5 

# $ #2 .

9 & 6 6& 2

#0$2  &''(/534'12 #   

 , "

  #   

$  "     *  

#   5#&%2& #9 .& 0$-&% . 

  $2#&.&C$2  +&-&#$  6  --&& $2     %-$   /(11F3&&F (F&#    !

#

  "   !    $ #  #

 #     !"D  

D  

! "$   ((

$

   

!

# 

  *"5 (108/43/*3# *

!

  ! *"   ! 

! 

 "   

  #    

!   *  5"= !B .

 $J. !

$7"" "

  #  

!+ 

  :

  

A !



 ! *  (& "

#   #% 

#  " 

 #  

  /

3#".

!6$ 

# "

#

 !# !   * 

!

*   2'#'''B8 

"   6    "

!  

 #  

    /     3#     



/

$

 

3#  "     

  *   2'#'''B8+ "  

 / 3#    



# , 

*

!

 /  !  " ! !

! 6$ 



   !    * #!

  

  "#"

  * 

 2'#'''B8 !

  2'#'''B8 !   

 

   "   "  3

#     

$#"

"  "  

# "" *  

!

! 

 /"*   2'#'''B8"  3#  !



$  

  (4  # " "  ! ! .

!6$ 

#   !! ! "

$"

#/  "

!  $

$$ !

$        3  !   "      

$   !

/%

4'#&'((3#

/*3"

!8

/43"5 (10" *  " /  !$

/*3  $398 :

  "

!8 /(3

8 ***** ***** ***** /*3 



 ! " 

   !



   "

 #

!# $$ $"   "

 

 

$ "    * ""



 A

/*3  $    *

! 



 ! " # "



 "#"  "

! " *   2'#'''B8 $"  +/    !

 !$  "  

$   !%



3 (0 K# ! !.

#"

$$      # 

/*3  ! !   

! ! #!

   ! 



 ! "   

/*3#

!

  "'(')&'(2# 

*  !

!

 /

3#

  !%

#"

*   2'#'''B8 $"   /  $

/*3 !  *  "" "

'(')&''43 (2

$                !  $   ""   $ 

 # !"



  # #   # "

 $"

/*3 /*3#   "" "

'(')&'(2#      2'#'''B8 $"  #   !%



# *"



"*

+

 "   $$ $ "  * 

 2'#'''B8#

    "     "        !  !    * 





#    "" #      

  /*3  "

  "    

"*

 

$

#

 "

     

"   #* 

 2'#'''B8 "#   #  #

# *



!

#/  "

/*33   

!! % K$

= # # 

  ()    #   ! 

!

 ">*

 &0"&F'0&'(2/ 

!

 "

)0(1"&'()3# !"!   



#  (F#&'(4#!"

# 

 

 $   "

 (('&&'(2

#"

$"

  

   /

3 ! " #



 !  '(')&'(2# "

/*3 "

/*35 (10/43" *  #(1)(#   !

!

#"

  ! 2'#'''B8 

 6 # 

$  " 

$"

#*  !

!

'(')&'(2#"

*   2'#'''B8 "  &'(08(2# '(')&'(2 "  &'(28() (F

" #"    

    '(')&'(2# .5 

 *  #

 *  2'#'''B8 

"  # 

  ! !      ! !  



   /

3#/ $

#   

/*3"

!8

/43 "5 (108"  "(1)(# *  

!

#

  3    !" " 

$# 

!!

  "$

$ "

#" "  "

 "/!$





3 (C  # " " 

# 

  "   $ 

!   



   %

#%$#    "    

   '(')&'(2#        "* 



/  "

"

  * "  #!"$   *

3 6  #  #"        " '(')&'(2#

  "  ! 2'#'''B8#    !!  8  # *



  *.   

   #       !    

   "     8

 

 #"   *

"  # $ "

" *



#"

*B "#   !! 

"  !$! *!

 

     

      " " " 

 G   

 !$  "#    !     



 !  !"  * #"$

 

! !    #  $!  



5/5# (1

 D )+  ,"



   (- $B  E K

&-  !E K