← Library
High Court of Punjab and HaryanaFAO/1999/2025dismissed

Magma General Insurance Company Ltd. v. Satwanti And Others

2025-08-08Mrs. Justice Sudeepti Sharma12 pages

          

 

"#$%$ &'

()()

 * +  

*) )),,-- &

./%0% +1  + ))%, &"& %  '

2*

+) + + +   

          + +

)

/ -

   

  

  !  "    #  $% $ &$&'



    

 ( 

)) *

+$    ,  

-..

    / "

 0   1

1 #   !  " #  #  

   "     "  # 

 -3   "

            4   +   + &

5         $'

$ &$&$  

%$   #  0 67    #  

 

  8 9: $)8 $&

# 0    #

  

 

0          4 "  #     7

  

  8 ;

55 ''+&  

"            

<  

    

< 

                 

  8 9: $)8 $&

!   "           

        /

     8 9: $)8 $&

  

 8

!    =!:

8 ) >  ) $ &$&$

 (  &>- %%> * %$+  !/ #     (   0 % ;        8

 &       

  #  "       ?"  + ="

       

 "  # 

       

 

           

   

 

!

#  

!!

$%&'(&  



)  

!

   * +

 ,  (  " -     .    /

- 

-*+

  ! .



 *+ % 0  "!  &

& & 

  *+ %     &1



&1

  .  *+ %

4 '

- 

!

"



"

  

 

  

. 

 -    "

!  " 

  ! 

*+ % 2% '



       

        )  7 

              

 # "     " 9# 

  "  # 

   !  /" + +++  * +*   **'

> @      !  /"   

                            9   

  #    # 

"        9     

"     #

 7      

      

# .

            #     -

      #

   

 3, "    

  / " 

/  4. / "  



5/ 6  /   



.! ! 6. & - 

!/-    /  

& ,

78(+

5 9:     

 

           

   

 

!

#  

!!

$%&'(&  



)  

!

   * +

+ " -   ;     

       - 



! 

        

  

      <  

!    #    

!

$%&'(&.

(   ,      

 .            -  .

- =

    

! 

"<



#  

!%!

($%&'(&  >    -    

! 

  "

-

- 

! " .

  

 !

 ?

!&? !





  /

 

 &. 

!

7 @@&0 

    "

 

! "

1 



 

1  .

 ;; &.

# - " 

-      "/     

 

!/  

!           

  <

!       !

  !

 

   

    

!     ,  

 / "     - - - ! A. 

-    

 / =  

!



; /  .      1

      

  

  - 

  0   /    

(    -   ! 

" . 

                 .    

! !



 "

 (.&-   !

   = 

  % 1  .& - 

 "

 



 = 

 !  -

"    "

" ,     



 

 &.   "  "

  

!!

7 &@@&0        

  

!  

!  "

  -     -     .

;    

"  !

!"

  

 /                  B       

                 %

4. "6<  

5+9:B -$  9

: !

C   >"

 "       5    D  #C '9 5$: >

! !  

/ 

    

!  "

<   -  

  -  

 ./  .     

  ; ;  -        ! !

!

"

   /      "  +         .      "

/  

 

  

               - ! .=

"



 

  - 9   :  = 





 

8= <

 

  =

"



6

  $-  .2. 

!         

  +   E,%  ('2  

'

 2D/250&, #    !

   

  

/ 

  !  'E/  = 

 .& - 

% 1 - 

8= <

  /



!/  !- %   - !



   .

  

-    

"

 !>  / -   &.  -   !

!  

     

$%&'(&  



-

-  

! "

 ! /

 





 ?

!&? !- .

  

  & .+ 

!/ -   

.  C !

9   :/  F)      

!/6



> - 

   "  

1 



    

1   

  

  "

        

  .  

!  .&-  #& = 

% 1   

 ! 

-

 "     - 



$   

    2  

$   -  .



  !-     $

 --     $  !

 

  "

 

 ;  

-



!"



    &.

 .-  -  -  !  $     -    

    

    $ !

    -  

!  "  .  

    )        

7   . % 1 /     !/    

1

   



!

&= 





  - 

;!/   



!  "





   "

        

   



 .  2,  

  



     = 

- - %     /$#  

-!  E,%('2 

'  

   2D/  2  5  0&  , # !

   

  

/  / 

- " .    8=%#.

E,%8=%-    ,       

8=%

E,%8=%/  

.           -   "

! 

   <

!  "

   

!

$%&'(& .





 

C !

 = / -  

.  ..



 

!    . ! ,



- !

" . 

!.;

 

" 

 /   "

 .



!"



 



/-

 

" ! 

.



!. A  E/  % 

1 .  .

/      # $  /   ! 

!

/  ! !





  !

 2   C !

- !

# $  /   ';- 

(          .   /  >  

; 6%!

8=%'     "

  "   

      

- !

   

1   



  

  ; 

        - 

1

 " .

!

" 



""       

!  "

 

   !

  E/      8=%' 



   8=% ""

 

  =  

1  D6"/

  

 - ="

 . ;



! "" 

  

 " . 



; 

!  -  

 

!"

%

  5 "   

- = 

   6"/

  .  -

% 1 /E,%8= 0/ .

8= / .

 & 8= '



= 

   - 

-

"" 



   

 

!  "

  "  .    

!!

$%&'(&  -

    

,  & 8= '/ "

  

- 

    .

 "  .    "

 $   



!

 

, 

 



 



 



 , 

  

! $ G  1 

$ .

 $ !  # 

 4    B   )  % .

.  

 /  DD9:/   1   B -  %  1 

$ .

:D/

-

 

 -- 

-  - "

!"



 

!



 



!  

!/   -   

-   .    

! , H

 

 I/    .$ I  1 5$ .

$ !# "

#   "

  ! -  !

 

  

.6#;/

!. !

 E,%     

                 " 

!"



  !.

""

E,%%   .         H 

  

  ! "   #

$

  



%&'()I/ -

"   

!  ;     . /

.  

     /   /  

   .

 .  

"  , --    . 

! 

;     . ,   "

  ; 

 " 

/



./ 

 - !- 

!      ;  

    

 ."



  

 

 .    . ;   .                       



       .  ;  

   

.

      

 



% 

 !   . 

! *  

 #+  

,% % -./'/ .) -  

- 0

.

  1 !  !    

&' ('/      

!  # ;     .  .

 0, .) -  

 #2 . 

 # #  

&%/(/ - " 3 /- .       .

.      

                 

  !

  

 !

"  "

 

-



.

1.

 .; 

 

-

 "    "

     

!  

  

"

 -/-

 -  

  

 

!-  

! 

 

 

!   



.

  $ /

"

-   "

  /        

      .    

 

!  .



- 

!

!"

 

!

$%&'(&     " ! "

"

1 

= $ /

 

"  

 !

 

J

$     

"  #    

          

      #        

  #                 

   , 7 : 8 %  



 

   

   B   "                         #   

 #

 

 

   #     

   <

  ""

 CD :)         

<    

    (   

 "  :

77 CD :'

    D       

<  8       " 

  

            

 9E  ( " / 

.) -34#-# 0

. 

1 !  !  34#,&'('    

"    "

     

  

   

 

 #  <  

             "

&

  #   /   

 #       





       # 



        # !         

   

 =!:   #   "  "      #      #  

         

%

 A           ,  

-..

   #   

    <     " "     "  "       #   

      "

#  #  

                

           "



+     

  " 

     !  /"    

" 





      

   

      !  /"    "      7  "  " 

'

! 

  <              /    "

           

  

) !                 /    

 "

 

      

  #  #



D    <   

>     

   "   "



.

= 

 

     "   : &'$$$?

 

    "     

 :     / 

   

-       

      080%

( 

+ +  .

  

!< 

 K<(    K<(