Magma Hdi General Insurance Comp Ltd v. Urmila And Another











 
 

















 



 

!

"#
$%
& '(
%


*#+ ,
-# ++(( .'

)

/'#(
 
 0'

1 + 


 
 
 
  
  2'

'
&)'34
3
'
'
5 63
&,(4
3
'
0
++(( 
'
6,
7, 4
3
'
' +  
8 
 
9(, 4
3
'
' +  
8

::::

  
 

  

 ! "

;0
++( '
5

0
-#

'



(,


,
( "
0
++(
'
0
' 

#  

0
++( 4
0
#


((<
 
(,


,
( "
0
++(

  

#$%& ! "

;0
+' 
++(
0
=
+'''
=,
0
++(( >


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

#+

<' 3
<'



+


=,
0
('


'
 
*(#

;'=) (4
90< 
0' '
'''


@0
;'=) (A


(# +
(
) '
5
BB

0
'
.0(
4
  


 9'(,
4
0
 

0
(# 

0



#+( 
2'3 
0
)
0'6
0' '
'''



 
 
<'
# "

=)

2 

#',(
=' '" '
8
$1BCB


*

0'6
<
'3 "
0
#' ,(4
#',(

0
#+( 
<   "

D066'
'#
# , , 4
#+( 
(
0
# (,
0

0
#',(
*#+( <
( 
# "

#',(
=' "
'" ' 
$1B.!

=0 
0'6
 
0


'

=0 
'#
0
#',(
  
E0

=)

2 
<0
0,
'0
'
D0 "'+)'

=)  
# <0(

;'')#+'
=' "
'" '
8
$1D

!
0' '
'''


0
  "
30(
#


3',
0"0

+


' 0
 
"(" 
#

'4
= "
'3
=,
' +  




')F
 
0
#',(

 
 
0)
) 
0
 
  
'3
"'3) 
#)(+(
 6)'
;0
;''
'3'
( <,
'#
0
+
;0
% 6)'
0'6
<
F

*3(
$ +(4 D066'4
<0'
0
<
('

=,
0
'

;0
 
<

) 
((,
)

' 0
 
"(" 
'3 "
=,
' +  
8 
'3'


0
  "
30(
2 #'#

0

=,

0
 
<

)
3
21

21G&*GBG*$*
-0')G




0
# 

2'3
%1

 



) '
5

!G 
%2*4
2(
5
9(4
D066'
<
'" ' "


' +  
 
;0
 
<

,'


"
 
< '3
13"
*#+ ,
&)')"'#4
$', 
 
" "
(',


G
+'

# 0

#) 

4

G
< )''

) 

'

+'



=,
 
) '(
 
0'
H+

8<4
0')"0
0
(# ₹ + 4
0
(# 
0
(#

#+


4

 ''
( "
<0
I
 ' 
+'


)#

6) 
#+


)



0

0'6 /+ 

0
(#
+ 4
++(( 
++'
  
0
(#
+
=,
( "
<'
'+(,
 , "
0
)#
 #+

G '#
0
+(

0
+' 4
0
;'=) (
'#
0 ((< "


)





   
  

       

!



 ""  

# 

"

 

$  !



 ""   

  



'  

   ()*+
+,-.

(
/  $   * 010  



  ! "  % #

    23 4  
 &

#    

0  

#  0 

0#023 

(
#   &

& 



&



  0

23* ,

&

# 

&

  0

 



.  0

23*+ *  ;0''4
=0
0
+'
)
0'
' +3
3  )++'

0'
' +3
+(

'
F "
 


'
0
+( 
0
3  
''4
0
('


;'=) (
<'
#+


0
(#

)'0'4
0
-
;'=) (
0(
0
++(( 
(=(

+,
0
#+

$ 4
0
+' 
++(   

 
 


 !
-'

(
'
0
++(( G%


#+ ,
 

0
0
('


;'=) (
0
<' "(,
F
0
(',

 
<0(

 
()( "
#+

;0''4
0
+',
0
0
+' 
++(
= ((<
 
<'



=

  %
03
0'
('

(
'
0
+' 
+') 
0 <0(
''

0
 ;0
'(3 
+'

0
<'

'+')
 '

   0  

  0    ! "  

   &  #  

  .  6+ 0 

 0.# *  0 .

7  04 

89
6/



9 0

+

+ 

       0  

  4    +9 0

 

         #   #

 /   0 .   7  0

#  

 6+0  #& 



.   

   .  6+ 0  $       #    #  #

*  0 .'   9 0

,  $

  %  :

   (   ""   #          00     

  ! "  
;(&0 
<)           89  ,6/    3  89  &

  .  89,6%89,64'    .  89,6%89,6)    0(&0 
< .

#

  .


= 6+'  . 
 . 0   

= <=6+ 89,6
>89,6  . 0 ! " &

:(4 (?+ # 

 
  . 7$'*   

 &

7$'4(( %3=,=1
@ %  :

 89,61/

#

  

0&   ! "

 #

 #   #

       

 

 *   &

  & A $

=
-

 .  / 
= #           

  #  
- <6+ 

 


,6+

  &



0.   

 

    #  

  /    89  



  A 

          

    * $&

 & A /%   ! "

 &

 

     <
-
-=
<  0  4!

=--
=, /9 %       


=




< 0*   
, -6+ 8 .

 

< 0*   
- <6+ 8 .

 

< 0*   
= <6+ 8 .

 
,
< 0*    -<6+ 8 .

 

< 0*   
- 6+ 8 .

 

< 0*   
 ,6+ 8 .

 
-
< 0*    6+ 8 .

  
=
<  0  *           
- <6+ '          # #

*  0 .

(&0 
<

  " %  :

4 #  &

  

    
= 6+0 B


+') (

0
#+)"


<'
'3(
0
0
  

B
' 
=,
0
('

(
'
0
++(( G


#+ ,
0
0 ('


;'=) (
''


"
0
# 0(,
 #

0
 


<0)
)=  
 
 
<'' 
 ,
 ''  ;0
-
;'=) (
0
0')"0(,
H# 
0
'(
 )# ',
3 
+(

''4
 () "
0
 # ,

2E

2'+''

9=
( 4
0
(',
(+ JH
2E G9

JH
2E G$4 0
(',
# 
JH
2E GD4
0
&5;
'" '
'

0 #+(,'
JH
2E G74
 
0'
''='3
)# )0

JH
24 <00
'(
0
=)

?) 

13"
5'3
23
-
=, 0 '
-" 

3<

0
=3
 )

 4
0
*)'
 
 
 , '''

0
-
;'=) (
++'0
;0
-
;'=) (
'"0(,
'(
)+
0 (
(',
''
)'

0
=,
0
#+(,'4
<00


)
0
= 3 

 #
;0
# 0(,
 #

0
 
0 4
0''4 ₹ =
''(,




4

G ;0
 

0
('


;'=) (
'
= 
 ) ++'

3 
 
 =( 0
+' +(

(<4
+')('(,


'# "
 #
'
#+)

#+

'
0
'

.0(
4

8
+'3'

,4
(("(,4
'
'''

) 
0
<)( 6) ,
 '' 
) '
++((
6)' 

' "(,4
0
*)'
 
#'

0
++(4
 
0

#

 #


;0) 4
0
<'



0'=,
)+0(

! ! "

 
  C 













  '()*()+
,-)./0123+).,41)5

),34 '()*()+
+)-4+*.67)

),34