High Court of Punjab and HaryanaFAO/1884/1994disposed of

National Insurance Company Ltd And Others v. Manju Gupta And Others

2023-11-07Mr. Justice Aman Chaudhary9 pages

! " !

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

!"#$%!&'(% )))))* +'&( ,- ./012.32204 567 6!8 9 +(!!&'(% )))))-++::!(

!"#$%!&'(% )))))* +'&( ,- ./0;<.32204 567 "!$(!9!$!&'(% )))))-++::!(

!"#$%!&'(% )))))* +'&( = >?@AB=CDEFGHB>EI=J K (L M'N'(%O:!#P!( 6)Q+! "

#R-&S'O!(!& 6)T#8"%!P!R-&S'O!(R N'(%M!(#'!:U

!OV')W(&) 6)"%# X!#R-&S'O!(R N'(%!++::!( #,- .3/3Y.3220!& N' +'&(M')3<#,- ./0;<.3220!& N' +'&(M')33#,- .3ZZ;.3223) [[[[[ >EI=JDC 3) \% !N' !#& !++!:

! ]#$ &O#&& ('$(% (%^ !# '

('N(% !P!_!&) /) \% ! O'

( O(& O!

R (% '#$#!: N#: _ ] ( # (% N# (%!( ]' '

( # (% O'O& ]!O%) "#O (% O!

! +&#$

# $% & !'

()#!

** +#,

* + !

- # ./ ( +#'+

! "

0 (+0 0#. !+!

- + .

(01 21

! .

0 +#

,)#0! 4567829:78%%;' ( 0 <)+#0 =)" ' , 0 ;$>;2 & !' ? !

)!. #0 ** # @18 #0

** # @!1 $ #0 21 ? ! B+ ( +#

4+" C>!

+ DE* !! F - ! #0 C>! 6+ # G *

!' H #+* #0

+! "#

#+#, ? ! I!189'JJJ>7'

- '

+! +#("

? ! !!

0 ! I!1$'JJJ>7 "#

("* #!

+# , #

0 +! #

!+0 #0 #

+#,

! .

# ? 0 0

? 0! ) ) *!* ( ! +#( +# +#("

' !! (#! +)"' !!- K ( +# #0)# E* #!

! 1 ;1 3# 4567$;LJ78%%;' +

! .

# - 0

( +" # !

' ?+0? #0 !#

( 0 I M =)" ' , 0 $N & !' * # +# C>! B - O # C+!' C>! )#+M O # #0 C>! 6+ # G *

! #0

#+#, I!18J'JJJ>7 "#

- '

F+.)# ?#,& !!

+! +#("

! I!19'JJJ>7 "#

("* #!

+# , #

0 +! #

!+0 #0 #

+#,

! .

# ? 0 0

? 0! ) ) *!* ( ! +#( +# +#("

' !! (#! +)"' !! - K ( +# #0 )#

E* #!

! 1F

0 0)( +#I!1$'JJJ>7+! !#

!+0 1 91

! .

# - 0 +# 4567$;9%78%%;'

( 0 B +* <+#, ' , 0 NJ & !' ? !

7+#7 ?

** # @18 #0 , #0

** # @!1$K21 .

#, 0

.)!+# !!7( !! "+&'

- '

# 0 F+.)# ?+

) (#!+0 +#,

! "

' , #

0 , ")# I!1$9'JJJ>7)#0 P# ) + .++ &Q?

+( +!+#( ( 1 L1 6#

#0'

# 0 ()#!

3#!) #( G"* #&'

+#!)

#0+#,

)(M !)."+ !

+ ? ! ( !

("*!+

# ,+, #( ' ! 0+- ! .

+( ! +1 1

)(M #0

C ) + ( '

!" #!

$% $

%& '()*%+ ,!-.

!"( /" 0

%00+ 0%20 . "(

. !"

0 4 &0% . !"

% 2 %0 (! * &4+

/% / !"

%**( !() ! (4 &()* %!( !( *% 2+

%&"- (!"

. !"

) 0!*0

(4 78 !"%! % %**0 ( !"

"/"

- 5"

.&()* %!(% %

!(!"

&0%)%!2 (! "%& - 9- , % &( 0 4( !"

$% $

%& '()*%+ "&" "%

! &% 2)! !"%! !"

(4 !"

&% % (! "(0/ % 0& & % ! % % !" *% !+

%& &0%). !"

. !"

&()*%+ %(!0%20 4( 4 0400/!"

% % - ;- < % %*

- =- >)!!

0+. ( 7=-89-?=;; %

(% %&& !. @

)% . B%C ". D%0* @/" %

"% 2%. "(

! &% ."% - ?8- 5"

% 2 %0 "0

&/ !"

/% / !"

/0/ & .

!( "&" !"

%&& ! "% !%C *0%& . "%

F G7?- 5"

. () !"

%2(3

3 & . ! (3 !"%! () ( "

0+/ ( !"

(% !"

% (4 300%/ H%!! A%0+%% "&" "% 4%00 ( "%

(44 0(% ()

&C I(-D6J ?;K= % !"

&C % %0( 0+/ ( !"

(4 !"

(%- *( ! I(-K LM( % @/" B@E7N

&C I(-D6J ?;K= "% (! 40 %+

!%!

) ! % ( !"

(!"

"% !"

(

(4 !"

&C "% 40

!%!

) !- $ !"

!%!

) !. ( &" *0 % % !%C !"%! !"

&C I(-D6J ?;K= "% *0%& &C

( !"

( "

! % "% %0( 0! 4

!( &%!

& (4 !"

! ( !"

(%- $!

3 & (4 BO? PC% @/"

*( ! I(-?

&C I(-<HA ;;97 % HO-7 B%!!% ,%0 &( &!( (4 <% +%% B(% %+ Q I(-<R: S;T; !"%! !"

&C I(-D6J ?;K= "% (! *0%& %+ &C

( !"

! % "% (! ! %+!"/ ( !"

(% !( &%!

& (4 !"

( "

! ( !"

(% % !"

*% C/ (4 !"

&C %

0/"! (4 !"

(! ( !"

( "

0+/ &%!!

( !"

*!( % 44& ! !%&

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

- &. # &/0 1* * 1

- #* *"*#

- 23 # &.3 - 4 #* +! 5*- 6

# !78 #* 9

- #+ ( :

;<= &>?2 @ !"7"!#

@ * ,7

! @*#@

! #*

!" +@ , @# ! A 4## 78 #* 9

- #* +# ! #*

!# D#

,, @ #* # #* +# E !" :

F:G >... @

7@ E!" 9! !

! !"7"!# !! D# @ *@ +#8 # 9 #*

-+778

! #

E@9 E- ! 1*#* #* @

E@#+ # !

! #*

D- * 9! #* +#

-+778 #*! * +7 9 # #* ,@!

- ! @*#@

! #*

5* 98 -

# #* # #*

74E

9 #* ! @*#@

! #*! 1!# # @ "*# @

! @#+ (

!@# !

4!" #+ ( :

FHG >>I/ @* 1@ #* # * @

7@ !"7"!# 5* 9

- #* #+ ( :

FHG >>I/ 478 '!( )!"* @ #

77 !"7"!# D# @ ! 9 !

- H%/ ## ! J 7 #* # '!( )!"* @ # 9!" #* #+ ( !

K" K " !! D- +# @#+ (

!@# #+ ( :

FHG >>I/

-# !" # @ "*# @ 6 #*!

# !78 #* 9

- #* #+ ( @ #

77 - +7# D! @+ *

+4@# @ D 7 #* # #*

!# ! L+@# ! # (! ,7

+ # #*

4, @# !"7"!

- M

)!"* @, ! !# :

? 9

- #+ ( :

;<= &>?2

! B* ! N!

1 @ O 9

- +# :

FHG>...!1* *E #* L+ 7787 E73 && 5* 5E+!

7 @ P 4! #* 9 !

! "7 !" ! #* -! !"@ @

44## 1*7

9!"

# #*

7+@ !6 1* * 8 9@+7# !-7 !#4@

" -Q+@#

&/ 5* E!"

+4!# 8 9 !

, + E8 #*

4 !#R ,,77 !#@ 1#* "

# !

- #* @ 6 #* 5E+!

7 @ "*#78

@@@@ #* @ 4

@ $@/...SR , !#* % #* "

# #* !* 4!#

- #*

4,!@ # !6 #*@ +#

! "*#78 78

! #* 1

1! ! TUVWU XYVZU U[\ ]^_YV` a`b cYW_d eVU[`f]V^ ]Vf]VU^d][ U[\ U[]^_YV /..2NgO $C$ NC97O II6 hU^d][UW i[`jVU[kY ]ZfU[l mdZd^Y\ a`b VU[Ul TY^_d U[\ ]^_YV` /.&IN?O $C$ NC97O &..2

! nU[UoUd a`b iii mUZo]V\ i[`jVU[kY ]b m^\b N/.//O &. )CC p&/

!"78 7 #*

,,77 !#@ !##7 # !#

- -+#+ , @, #@ # #* P#!#

- /pq6

!"# $% &'$()

$( %(*

(&'"

!(" +"

(","!("

!-- %+"* $ .'" /-012333456 $( (% /-012333456 $( (%

("(*!+& ( 7!

(7 /-83233345

$(,

%% !(" (

!$ *" /-93233345:832333.;<- =(7,*2 !"

8;48>) *2&+$!'$(%08(+$ ''$! - 0>- ?

" *)

(*($$ *)2 ( $

(&'"

!("

(& ( /-12@3233345 :;333A;1B :(7 %++* '*(' +<5 . 0; . 08 :&+$!'$!*<2 A /-0213233345 :

(","!("

<- C+2 "

(&'"

!(" (% /-D32333452 (,*

&(+" (% /-8293233345

)

$("#7! !"*

(% @-1B '*

""+& %*(&

(% %!$!"# (% '*"

'' $2 !$$ ! * $!E !(" $$ '

(

!& "5 ''$$ " ) *'("

(* * ) C*! +"

$2 7!!"

'*!( (% ; &(" %*(&

(% * !' (%

*!%!

(') (% ! F+ #&"- !$!"# 7!

&(+" $$

" !"*

) C*! +"

$- 08- C &("$)

) (%

*!#$)

) C*! +"

/->2333452 !"

") ,!

- ? '* 7

(7" *%** ( !" %(*#(!"# '

#* '2

''$$ "

* $ "!$ ( #* " (% %++* '*(' ( ." (% 83B2

!"# $% &'$()

$( %(*

(&'"

!(" +"

(","!("

!-- %+"* $ .'" /-012333456 $( (% /-012333456 $( (%

("(*!+& ( 7!

(7 /-83233345

$(,

%% !(" (

% * /-93233345:832333.;<- 01- ?

(* !"#$)2 ( $

(&'"

!("

(& ( /-0323H293345 :>333A83B :(7 %++* '*(' +< . 0; . 0@ :&+$!'$!*<2 A

! "#$%&'%()$%*+ ,'*-. /,0 (,' '%,*%#'- #$12'%*()$% $3 4 5 ! $&'7 *%- *8$&' (,' *1$0%( $3 9 ! *+7'*-: *;*7-'- *+$%<;)(, )%('7'( *( (,' 7*(' $3 9 = 2'7 *%%01 37$1 (,' -*(' $3 3)+)%< $3 (,' 27''%( *22'*+ ()++ )( 7'*+)>*()$% ,*++ 8' 2*)- ($ (,' #+*)1*%(!*22'++*%( 8: (,' 7'2$%-'%( * $7-'7'- 8: (,' /7)80%*+ ;)(,)% * 2'7)$- $3 4 1$%(, 37$1 (,' -*(' $3 7'#')2( $3 * #'7()3)'- #$2: $3 (,) ?0-<1'%( @*)+)%< ;,)#, (,'*1$0%(,*++*##70'*%)%('7'(**;*7-'-8:(,'/7)80%*+

6 /,' #+*)1*%( *7' -*0<,('7!)%!+*; *%- <7*%-#,)+-7'% $3 -'#'*'- A*+)2 B)%<, ;,$ ;* 5 :'*7 $+- C' ;* (*('- ($ 8' * 2*7(%'7 )% D D*1 *? D*+ A*+)2 B)%<, E% (,' *##)-'%( 0%3$7(0%*('+:

(,' #+*)1*%( ,*- +$( 8$(, '*7%)%< 1'18'7 $3 (,' 3*1)+: /,' /7)80%*+ ,* 3*++'% )% <7*&' '77$7 )% <7*%()%< $%+: *% *1$0%( $3 4

! $% *##$0%( $3 +)*8)+)(:

;,'7'* (,' #+*)1*%( $3 (,' $(,'7 -'#'*'- (7*&'++)%< )% (,' *1' #*7 ,*&' 8''% <7*%('- #$12'%*()$% 0%-'7 B'#()$%

66 $3 DF G#( E% &)'; $3 3*#( *%- #)7#01(*%#' $3 (,' #*'

(,' *)- 3)%-)%< $3 (,' /7)80%*+ ) '( *)-' *%- #$%)-'7)%< (,' *<' $3 (,' -'#'*'- $%+: #$12'%*()$% 0%-'7 (,' ,'*- $3 +$&' *%- *33'#()$% ($;*7- (,' <7*%-#,)+-7'% *%- -*0<,('7!)%!+*; "H IJ. #*% 8' <7*%('- * 0#, (,' '%- $3 ?0()#' ;$0+- 8' *-'K0*('+: 1'( 8: '%,*%#)%< (,' *1$0%( $3 4

! *;*7-'- 8: (,' /7)80%*+ ($

! 2*:*8+' ($ '*#, #+*)1*%( )% 'K0*+ ,*7' L7-'7'- *##$7-)%<+: /,0 (,' '%,*%#'- #$12'%*()$% $3

$&'7 *%- *8$&' (,' *1$0%( $3 4

! *+7'*-: *;*7-'- *+$%<;)(, )%('7'( *( (,' 7*(' $3 9 = 2'7 *%%01 37$1 (,' -*(' $3 3)+)%< $3 (,' 27''%( *22'*+ ()++ )( 7'*+)>*()$% ,*++ 8' 2*)- ($ (,' #+*)1*%(!*22'++*%( 8: (,' 7'2$%-'%( * $7-'7'- 8: (,' /7)80%*+ ;)(,)% * 2'7)$- $3 4 1$%(, 37$1 (,' -*(' $3 7'#')2(

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

* *

%%. !0#$ 1 0'*-+ 23+ 4%

( !%

* * * - !

'*% - 5* ! 6*! 6*%'

7)"*# %

!/ 0'*- $!

! --. *( *! *(/

'%- .$

* * ) # * %) 9 : 7'*% -

%"*!

* ;+2< =5* ! 6*! 6*%'

7+> ?$+6+@+@- A/ % ! $ @ $ 0* =*.

% !>

7 ;+B;C D<<< $! * 8 *( -

- *! % %'

$ 6*%'

7+ .% * - 0- + ; %'

$ "- $!

* A * * .

* % ) * .$ $ .% - ! * EF+D+2GDG+ ;

.% )!

0# 6*%'

7+ %'))* 8 *( -

) - (-

% ! @ $ 0*+ B.

/ * ""- * .% )8 ! %A *( *

% !'

8 *( -

% ! @ $ 0*+

*-# 8 *( -

@ $ 0*

'-! * * "%% %% * *

%+ +++ H* $

$*!/ .% "- !

! * " *+I

- ) * # 0&

*% .

* % ) * $

* J'

% *

- 8* ) .% *( * 0#

%* $

$* '$ % !

+ B.

%"*!

* ;+2<$%*- !*# 8 !

$ %

K+L 2D+ 1$ % 7'

*!% $ 0'*- $! )

'-'%-# % ! '($

8 !

% ! *

/ .$ $

% *

+ ,'

)

/ .% ')0 * '"* 6*%'

7)"*#/ *

0%-8 % - - 0 - #/ $8 -%

% ! * 0&

* **M )"- ! *( .*

@ '

* -

* 8 / '

* %$ ! $ % -%/ % .% * $8 ( *%'

$ 8 - + 2G+ ? *

/ * " E2 4. !/ $%

* -! $ %

)"% (- (

A ;+NOP 2DQG *! @ '

*! % %'

$ 0$

J'--# - 0- / %

- ! $ *%'

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

"#$ ( "& & "#$ , "& -./-.""#$'

"(0 1.0 2+& & 3 "#$

) ,+ " "#$

,$( &+ $4"$ "5 "#$

,$($ "

'( ,$+&( ($+ 0 160 7$3&(", &( +&,$"$+ " ($ +

"#$ 8*+3$ " " "#$ $, $+9,&!*

' , $$(( , '&

$0 110 :#" "#$ 8*+3$ " !$

$+ "#$ &'$( "#$

$"$+ ($(0 .;06601.1< =>?@A 3(%BC D*, E>?FG H#$"#$,( D& 3B,$ ( $+ / I$(BJ H#$"#$,,$ ,"

!'$ /I$(BJ