← Library
High Court of Punjab and HaryanaFAO/782/1997disposed of

(O&M)Oriental Insurance Co. Ltd. v. Gurminder Kaur And Others

2023-12-06Mr. Justice Aman Chaudhary5 pages

 !"#$ #%&'$(  '"$

 ) *+,-./011.

2,345

:;

<9=>?>:@ BCD 0D0B0E

,F>9@87G H@?IF7@=9 J:KL7@M N>K>89<

DDDDD+LL9GG7@8

O9F?I?

PIFK>@<9F Q7IF 7@< 7@:8R9F

DDDDD S9?L:@<9@8?

*+,-1BE11.

2,345

PIFK>@<9F Q7IF

DDDDD+LL9GG7@8

O9F?I?

Q7T> S7K U7@?7G 7@< 7@:8R9F

DDDDD S9?L:@<9@8?

$ V&W!$%#X !#'$( YF9?9@8A

4FD 6DYD PIL87Z +<T:=789Z

;:F 8R9 7LL9GG7@8-H@?IF7@=9 J:KL7@M >@ *+,-./011.

7@<

;:F F9?L:@<9@8 [:D0-H@?IF7@=9 J:KL7@M >@ *+,-1BE11.D

[:@9 ;:F 8R9 F9?L:@<9@8?

>@ *+,-./011.

7@<

;:F 8R9 7LL9GG7@8 >@ *+,-1BE11.D

\\\\\

#'$(]%

^R9

7;:F9?7><

7LL97G?

7F9

_9>@`

<9=><9<

8:`98R9FZ

7F>?>@`

:I8

:;

8R9 ?7K9 7a7F<D

0D

H8

R7?

_99@

?8789<

>@

8R9

`F:I@<?

:;

7LL97G

>@

*+,-1BE11.Z

<9=97?9<

PIFLF998

b>@`R

c

d:GGM

7@<

+K7F<99L

Q7IF

c

JR7@<@>

a9F9

;78R9F

7@<

K:8R9F

:;

7LL9GG7@8-PIFK>@<9F

Q7IFD

69=97?9<-+K7F<99L

Q7IF

 !

"# $%&'

%&

()#

*+!%&#!!

,-

!+..$/

,-

#$#0(1%0

*+$*!2

3)#

0,4.#&! (%,&

!!#!!#"

*/

()#

31%*+& $

%!

,&

()#

$,#1

!%"#5

*/

1,&'$/

..$/%&'

()#

4+$(%.$%#1

,-

%&!(# "

,-

!)#

*#%&'

/# 1!2

:(

) !

$!,

*##&

;#11#"

() (

<+1%&"#1

= $

<%&')

= $$%

 !

"1%;%&'

()#

0 1

(

()#

(%4#

,-

00%"#&(5

)%0)

%!

.1,;#"

-1,4

()#

#;%"#&0#

$#"

*/

()#

0$ %4 &(5

"#!.%(#

() (

()#

31%*+& $

) !

1,&'$/

)#$"

&#'$%'#&0#

,&

()#

. 1(

,-

()#

"#0# !#"

>+1.1##(

<%&') ?

@,$$/ &"

"#&%#"

()# 0,4.#&! (%,&2

A&

()#

,()#1

) &"5

$# 1&#"

0,+&!#$

-,1

()#

:&!+1 &0#

B,4. &/5

!+*4%(!

() (

()#

31%*+& $

#11#"

%&

'1 &(%&'

()#

0,4.#&! (%,&

(,

()#

0$ %4 &(

%(),+(

..1#0% (%&'

()#

- 0(!

&"

#;%"#&0#

%&

()#

.1,.#1

4 &&#1

&"

-%&"%&'

1#' 1"%&'

()#

! 4#

1#C+%1#!

(,

*#

1#;#1!#"2

3)#

0$ %4

,-

()#

"# ()

,-

>+1.1##(

<%&')

?

@,$$/5

 !

1%')($/

1#D#0(#"5

!

()#

"#0# !#"5

),

)%4!#$-

 !

"1%;%&'

()#

0 15

 !

-,+&"

&#'$%'#&(2

3)+!5

)#

.1 /!

-,1

()#

"%!4%!! $

,-

()# ! %"

..# $2

E2

F# 1"

&"

.#1+!#"

()# . .#1 *,,G2

H2

I"4%((#"$/5

,&

829626JJH

%&

1, "!%"#

00%"#&(5

>+1.1##(

<%&')

?

@,$$/5

)%!

%-#

I4 1"##.

K +1

?

B) &"&%5

<+1%&"#1

= $

<%&')

= $$% &"

L,&%G ) "

"%#"2

M2

3)#

$# 1&#"

31%*+& $

)%$#

"#0%"%&'

()#

%!!+#

1#' 1"%&'

()#

&#'$%'#&0#5

"+#

(,

)%0)

()#

00%"#&(

) "

( G#&

.$ 0#5

) "

1#0,1"#"

!

+&"#1N

OJ2

PDD $

<%&')5

),

%!

()#

#/#

%(&#!!

,-

()#

00%"#&(5

)#&

!(#..#"

%&(,

()#

%(&#!!

*,Q

"#.,!#"

() (

,&

829626JJH5

)#

 !

',%&'

%&

L ( ",1

-1,4

= (% $

(,

R#$)%5

(,

!##

,--

)%!

!%!(#1S!

!,&

& 4#$/5

<+1%&"#1. $

<%&')5

),

 !

',%&'

(,

B & " 5

$,&'

%()

)%!

%-#T

() (

<+1%&"#1

= $

<%&')

&"

)%!

%-#

#1#

(1 ;#$$%&'

%&

&,()#1

0 1

*# 1%&'

1#'%!(1 (%,&

U,2=VW66RWX

)%0)

 !

*#%&'

"1%;#&

*/

>+1.1##(

<%&')T

() (

%-#

,-

>+1.1##(

<%&')

 !

$!,

(1 ;#$$%&'

%&

()#

! %"

0 1T

() (

>+1.1##(

<%&')

 !

"1%;%&'

()#

! %"

0 1

(

;#1/

- !(

 !!"#

$%

&

'!()

(&*

&%"

%!+,$+!%-

.&%%!(/

-*&-

0*!%

-*!)

(!&1*!"

%!&(

-*!

1&%&,

2($"+!

'$,,&+!

5&%"&

6*!($#

3%

7&-$&,&89&: ;(&

(3&"#

-*!

"($'!(

-*!

1&(

13;,"

%3-

13%-(3,

$-

&%"

-*!

1&(

4!,,

"30%

$%-3

-*!

1&%&,#

&

&

(!;,-

0*$1*

&,,

-*!

43;(

311; &%-

-*!

1&(#

%&.!,)#

<;($%"!(

7&,

<$%+*

7&,,$#

*$

0$4!

&%"

5;( (!!-

<$%+*

&%"

*$

0$4!#

"$!"=

>!

*&

4;(-*!(

"! 3!"

-*&-

*!

$%43(.!"

-*!

3,$1!

&-

9&: ;(&#

&%"

-*!

3,$1!

32-&$%!"

*$

$+%&-;(!=

?113("$%+

-3

*$.

-*!

&11$"!%-

-33@

,&1!

";!

-3

-*!

(&*

&%"

%!+,$+!%-

"($'$%+

5;( (!!-

<$%+*=

A3 )

BB9

C3=DE

"&-!"

DE=FG=GHHI

7=<=

<&"&(#

9&: ;(&

*&

&,3

2!!%

,&1!"

3%

(!13("#

0*$1*

&,3

*30

-*&-

-*!

&$"

1&(

0&

2!$%+

"($'!%

2)

5;( (!!-

<$%+* &- -*!

-$.!

&11$"!%-=

GF=

J3

(!2;-

-*$

!'$"!%1!

-*!

1,&$.&%-#

-*!

(! 3%"!%-

"$"

%3-

,!&"

&%)

!'$"!%1!=

<3

4(3.

-*!

-&-!.!%-

K::&,

<$%+*#

?LD#

0*3

$

-*!

!)!

0$-%!

-*!

311;((!%1!#

$-

-&%"

!-&2,$*!"

3%

(!13("

-*&-

-*!

344!%"$%+

1&(

0&

2!$%+

"($'!%

&-

-*!

-$.!

&11$"!%-

2)

5;( (!!-

<$%+*=

MN=?L O?

$

-*!

13 )

-*!

3-

.3(-!.

(! 3(-

5;( (!!-

<$%+*=

MN=7P

$

-*!

13 )

3- .3(-!.

(! 3(- A*&%"%$ &,$& ?.&("!!

6&;(=

GG=

>!%1!#

-*!

"$1;$3%

.&"!

&23'!

$

$%"$1&-$'!

-*!

4&1-

-*&-

$;!

C3=G

$%

&,,

-*!

1,&$.

!-$-$3%

-33"

(3'!"

0$-*

(!+&("

-3

-*!

"!&-*

-*!

"!1!&!"

'$Q=

<;($%"!(

7&,

<$%+*

7&,,)#

<.-=

R3%$@&#

5;( (!!-

<$%+*

&,$&

S3,,)

&%"

*$

0$4!

?.&("!!

6&;(

&,$&

A*&%"%$#

3%

&113;%-

(&*

&%"

%!+,$+!%-

"($'$%+

-*!

1&(

$%

T;!-$3%

2)

5;( (!!-

<$%+*=

J*$

$;!

$#

-*!(!43(!#

&":;"$1&-!"

; 3% &113("$%+,)=U

V=

7!(;&,

-*!

&0&("

*30

-*&-

&

!(

BB9#

(!+$-!(!"

2)

K::&,

<$%+*8?LD#

-*!

1&(

$%

T;!-$3%

0&

2!$%+

"($'!%

2)

5;( (!!-

<$%+*

W

S3,,)#

-3

0*$1*

$%

(!2;--&,

%3

!'$"!%1!

0&

,!"

2)

-*!

1,&$.&%-#

-*!(!43(!#

-*!(!

$

%3

!((3(

$%

-*!

4$%"$%+

-*!

J($2;%&,

"!1,$%$%+

-*!

1,&$.

3%

&113;%- -*!

"!&-* 5;( (!!- <$%+* W S3,,)=

X=

L$-*

(!+&("

-3

-*!

&(+;.!%-

-*&-

$%1!#

%&.!

-*!

311; &%-

-*!

1&(

0&

.!%-$3%!"

&

A*&%"%$#

-*;

-*!

1,&$.&%-

5;(.$%"!(

6&;(

"O3

?.&("!!

6&;(

1&%%3-

2!

*!,"

!%-$-,!"

-3

-*!

13. !%&-$3%#

$

%3-

-!%&2,!

3%

&113;%-

-*!

4&1-

-*&-

$%

$%

-*!

(!,$!4

1,&;!

-*!

1,&$.

!-$-$3%#

-*!

%&.!

*!(

.3-*!(

0&

.!%-$3%!"

&

&,3

$%

'$!0

-*!

1&-!+3($1

4$%"$%+

(!13("!"

2)

-*!

J($2;%&,

$%

-*$

(!+&("

-*&-#

Y===Z;(-*!(

-*!(!

$

%3

(!2;--&,

-3

 !"

#$%

 $

&'()!*+,(

-$'(

!"

*.

+$'/ ,(

.#

0)$(+,,1

-$'(

 .'/

,(

1$,(*!2

+.,"

*.

"$*+

,"$34!" ,+

$

$445

3'

 ,(,

!"

*.

(,3'$4

.

 !"

#$%

.*

(,%.(+

 $

0)$(+,,1

-$'(

6 .

+!,+

!*

 ,

)..(

7, !%'4$(

$%%!+,*

+!+

*.

/!7,

3!(

.

$*2

% !4+5

$"

*.

6(!,*

"$,),*

6$"

#!4,+

,(

!*

 ,

+!7.(%,

1,!!.*

%.*($+!%!*/

 ,

$7,(),*"

)$+,

 ,

1,!!.*,(

#.(

",,8!*/

 ,

+!7.(%,9

:.

$8!*/

$44

 ,",

#$%"

!*.

%.*"!+,($!.*

;

%.),

.

 !"

%.*%4'"!.*

 $

&'()!*+,(

-$'(

%4$!)$*

!"

,*!4,+

.

%4$!)

%.)1,*"$!.* 3,!*/  , +$'/ ,( .# 0)$(+,,1 -$'(5 *.6 +,%,$",+9<

=9

>7!+,*425

 ,(,

6$"

*.

+.%'),*$(2

,7!+,*%,

1(.+'%,+

 ,

%4$!)$*?$11,44$*

6!

(,/$(+

.

!*%.),

.#

 ,

+,%,$",+?0)$(+,,1

-$'(5

 ,(,#.(,5

,(

!*%.),

$8,*

 ,

@(!3'*$4

$"

A"9 BCD?

1,(

).*

%$**.

3,

#$'4,+

6! 9

E.6,7,(5

6!

(,/$(+

.

 ,

,* $*%,),*

.#

 ,

%.)1,*"$!.*5

 !"

F.'(

%$*

)$8,

$

1(.#!$34,

(,#,(,*%,

.

 ,

4$6

4$!+

+.6*

!* HI JKHL

MNKH O PKINQ RH

SHM HSH MQ

MNKHT

UCC=VWX

AFA

VF!7!4X

YY5  MQ

I Z [H

\K LS

] ^QLQMK O H

] GKMNQ

MNKH

UC_YV X

AFA

VF!7!4X

_CC=

$*+ `

a Q O ZZZ ^ LaH Z [H

\K  ^M T

VUCUUX

_C

:FF

B_U

$*+

$%%.(+!*/42

 ,

$11,44$*

!"

,4+

,*!4,+

.

/($*

.#

#''(,

1(."1,%"

.

 ,

,b,*

.#

Cc5

 ,

+,%,$",+

3,!*/

",4#

,)14.2,+

$*+

$4".

#.(

%.)1,*"$!.*

'*+,(

 ,

%.*7,*!.*$4

,$+"

!9,9

#'*,($4

,b1,*","

A"9_d5CCCD?e

4.""

.#

,"$,

A"9_d5CCCD?e

#!4!$4

%.*".(!')

.

$11,44$*

3,!*/

+$'/ ,(

A"9 d5CCCD?9

E.6,7,(5

"!*%,

 ,

+,%,$",+?0)$(+,,1

-$'(

6$"

UU

2,$("5

 ,

)'4!14,

.#

_d

$114!,+

 ,

@(!3'*$4 !"

%.((,%9

_C9

0"

$

*,%,""$(2

%.(.44$(25

 ,

.$4

%.)1,*"$!.*

%.),"

.

A"9U

T UC5CdCD?

V BCf Cc

V.6$(+"

#''(,

1(."1,%'"X

b

_U

b

_d

V)'4!14!,(X5

f

A"9d 5CCC

V%.*7,*!.*$4

,$+"X9

@ '"5

 ,

,* $*%,+

%.)1,*"$!.*

.#

 !"#"$#%$%&'#

()*+

,-.

,/()*

01*

,2(3-0

(4

 !"#%5#%%%&'

,6+*,.7

,8,+.*.#

,6(-98:01

:-0*+* 0

,0

01*

+,0*

(4

;!

<

=*+

,--32

4+(2

01*

.,0*

(4

4:6:-9

(4

01*

=+* *-0

,==*,6#

0:66

:0

+*,6:>,0:(-

1,66

/*

=,:.

0(

01*

?6,:2,-0',==*66,-0

/7

01*

+* =(-.*-0 #

,

(+.*+*.

/7

01*

@+:/3-,6#

8:01:-

,

=*+:(.

(4

2(-01

4+(2

01*

.,0*

(4

+*?*:=0

(4

,

?*+0:4:*.

?(=7

(4

01:

A3.92*-0!

B,:6:-9

81:?1#

01* ,2(3-0 1,66 ,??+3* ,- :-0*+* 0 , ,8,+.*.

/7 01* @+:/3-,6!

""!

C(.:47:-9

01*

,8,+.

0(

01*

,4(+* ,:.

*D0*-0#

01*

,==*,6

:!*!

BEF'G%H'"GG;

:

.: =( *.

(4 ,-.

,==*,6 :!*!

BEF';$5'"GG;

:

.: 2: *.!

"5!

*9: 0+7

:

.:+*?0*.

0(

*-.

,

?(=7

(4

01*

A3.92*-0

0(

01*

?(-?*+-*.

@+:/3-,6 4(+ -*?* ,+7 ?(2=6:,-?*!

"H!

I1(0(?(=7

(4

01*

A3.92*-0

/*

=6,?*.

(-

01*

4:6*

(4

01*

?(--*?0*.

?, *!

%J!"5!5%5H

KLMN E-O3+

PKLQR S1*01*+ =*,O:-9&+*, (-*.

T

U*

&

V(

S1*01*+ +*=(+0,/6*

T

U*

&

V(