← Library
High Court of Punjab and HaryanaFAO/2722/2019dismissed

Shri Ram General Insurance Company Ltd v. Bimla Devi And ORS

2019-09-27Mr. Justice Dr. Ravi Ranjan8 pages

       

 !"  "#$%$&' 



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

$+,  "0$ &/!)"*%     



          

 !"#$%& ! , ----

  ".

 (*# +/ ! '' ( #&#

 !*# + #0 ## # 12133124'

# ,!%%&&#( +  ("  *(.! 5 5#  %   6!   (7/"  ,  0!&!  !  &( +  '%  5(#  ,  ! &(  . '%# !/*# &%288%5!%%!&( &"

2499  .! 5  5#  %   6!  &7/  !

  ((%0#  #  !  '%# )&(  !

$ 5%*#(#%&$ &%+' %5%

*+%5 2:"91"111;)% &&%*%5# !%5

 !<*+  +%%$!&*( 

&&# (% 0! =>?' *+5%+!# %55( %5!&( '%((! (@ %%5! ## +%*

!%5 & 0!&! & ,%5&% # %%5!  *+ # *#) !&(  ) '%# 5(# '%*# &%288%5! &5%  *' &( +!

%3:21312>"%

 !<*+ 0 * 5%+(( !%

%! $(( %! +%%&,&(       % % )A:;8BB4

%*>11C!! &!# $(( *(%#"

$!&( !#  D       %% )88;:91:  #$

 < !

<*+ "" '%#%2 &( +'%"  ! ! '#

 ! # ( + "!! +%%&,&(5%+ !#   *(%5 *&!

&%(( %"! +%%&,&( *&E0!  #!5((#%0 #&$# %*  * !#$5(# ,5%+! '% (% 0!%55# $!&(

*! #   , &%)$(( %5!#& #" +(,"E +"

0!%0 5%((%0 !+%%&,&(%5

 !<*+ . &#& #/!

# %##%0!   %5!%55# $!&(! *#0

E%F  *("0!!0 #&( ## # !#$ #!%0%5!%55# $!&(5(#! % 0  +#, ! &&# #$%($+%5! #$!&("

!%0$"0 ( %  #!0  +!

& ! &%+ %!&%&(* %!

! &&#%%E'( &#*% ! # (  #$ %5!&%&##$%5!%55# $!&("" '%#%2 !&( +'%"!! * ,0%*(# (

(%#+5,! %0 !$!&(0  *#%!# %5 &&# ! * ( %&% #!&( +&  ,5(  '

 0  + *''% '

%5!  ++ #% !

(5%5 !#$ #!%0 * ! ++ ((  !

!#$0 % !

$  $ (# #55&$#$ (&& #!$!&(0  '(# $%( %%5!+  #&%#% %5! * &%(&,5*!  ( % E!

! &%((* % +% !'% #!%0 #! #$  %(,  0!   '*'%   %5  D &  &%+' %  +%*  5%+  !  * , ! ("*'%&% # %%5!$ ('( # "5 +# 5%((%0  * ) 62 C!!! &&#G* %%%E'( &% &&%*%5 !  ( #$ %5$!&(% )88;:91: ,! '%#%2H 

1 3 5  *  %2  '%$#"0!! ! &(    (# % &$ +%*%5&%+' %%0+*&! #5%+0!%+H  A C!!! '%#%20 #$ !%55# $!&( $%( %%5+  #&%#% %5! * &'%(&,H 

B

(57 !  &(  "    %#  %  *   !  &( +"  D +# E +  !""!,)0  C)2" %+#*"!5%+ " C)3 ( %2)+( "0!% 0#%0%5!#& #"D +#! (5 C)A

#%

+ !0

( C)B #$ %* #%&*+ &(*# !&%', %55 ('% * +# ,!'%(&*# &%2>A"%!'%(& #%&*+  *&! &%+'(  "'% +%+'%"&%' %5!  +*#

&%  282    #  &%',  %5  I  &"  0  %* !  %  &%# 

#%&*+ ,$#& %0$"   %%!

 '%# %2 #3%5! &( +'%""#$ #%0"!%* !!

$5(#! %0 +5* ! (( % + #!&( +'% *!,##% ( # ,$#&!,$##%'%#*&#!+ ($ % D +#

0 ! & 

 '%#%A""! * ,!&( +'% !

'%#*&# * &%(&,0!&!!

%* !%&%# D 2 * !

&%## ,! (!

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

! '%# 5 (#%&%&(*#!$#&&&%# (,"0 &(% # !* "!

% &% *#!

! %$#&(# ,!  '%#    !  &( +  '%  %   *  !  $#&  '%#*&#  ,  ! &(   ! (" 5!   %! ! #  #&% # !  (  $

(%&%#!

&%##!5# !

!&%&#+%% $!&*(  *(%5 ! # ( #$  ,!#$%5!

2 %55# $!&( #"  *&!"!&(   (#5%&%+' % 0!&!0  #%!*%5 2:"91"111;) (% 0! =>?'

*+ ! 5% #

&E %*#%5!5 &* (+ D"!

$! # ( #&%* (5%! , !  5   #  5%+%   %*#  0!&!  !

   E  ,  !

!+%5!   !

!&(  !

$ %

(%'%$!

!&%&#+%%$!&*(  *( %5 ! # ( #$  ,!#$%5! (( #%55# $!&( $!

! (( #$!&(0 $%($#! &&# &%##!

! %,)0  #! +%,%5! (( #,)0 "$@"

E +"0!%!

D +# C)2" %* 0%!, #&#0%!, 5%! %!

!&% )D + %"!!

  #!

!5  ' %% &!! '% 5! &&#0!&!0%*(##5(,+ !

! ##% !%&&*&  5*!  #!

!%* !C)3&( + !

% ,) 0  #!5 &*+ #+ %5   #%!+ ,! &%) $(( )E +"0!%!

D +# C)2 #! 5!%%E!  *#%!!% ' ( #(%# #I 5%+ % '% *!!

% # &(% #!# &'% #   %5!$!&(&%&#! I  !* "%!  !%5! 5% #" &%##!

!C)2 5 &  '% &#0  # &! %,)0 "!&( 0%*(#% (#5% ,&%+' %  ( & %'%$# 5*!!

!$!&(0 ( %'( #! &( %

3 %0$"  !  5% #  * + %  + #  %  !

(5  %5  !

%#%(,%  &#5%!5%((%0  % )  #&%* (  # %( 05%+!&% ) D + % %5 C)2 &%&#!0!%(& %5!&(     *'!I %$! 55# $5(# ,C)2 !

5%((%0 ! +%%&,&(%5!#& #0!!%55# $!&( *&E!+%%&,&(%5 !#& #5%+ !# ##*%+'

&%5! &&#"5*! *&E 0!! *%+'

&%5 *&!&%(( %" !#& #5((#%0 &$#5 ( * C)2!

%##!&% )D + %!

! %5%((%0 !+%%&,&( #!!

% !%&&*&!

+(,  #!

!5 ' %% &!! '%%5! &&# 5 ! (( # &&#%%E'( & % $%* !

!0(( &!!'( &%5

&&#  %(, 5  !  &&#  %%E  '( &  & *   !  0  5%((%0  ! +%%&,&(5%+ !# *#% + !

#$ ! +%%&,&( 0!&(% #,  #&%*(#% 0!

0 !

'' 5%%5!+

%5 ! &%# *  # &%&#" *!

! $!&(     #+ E!

% # &(% #!I  5%+ % '% #!  5*!&%&!

!5%+ .C3/!

#!I  (5!

!5 &*+ #+ %5   # C)2)E +"0!%0 ! &%)$((  #0 5%((%0 !+%%&,&(%5! #& #" *!

$  # %"!

( %% E'+#!

5! %!%5

' %   *&!,'%55 ( *, #  * ( 5%(5"!

%0%*(# % E !+%!% ' (+ , '% ("$5 & ! 0  #%!+!

!+ !!

$  E''#0 % %0%%5!+E +!

  #!

!!

#  #!+ %5 &&#%

4 !5%+  #!!

( %&  %& ((,  #!

!!

#%##%0! E #   %5!%55# $!&(0!&!!  +#% !'%(&0!!   +0  &%##*# &%282 !  #& !

 E  +(   # 5%! ( ( %!* " *&!

+%# &'

&,0%*(#%  *55&%# (%# !&(  $0%5 !& *+' &!

($#&0!&!  $

(!5%+%5I

( %  5 (  '%  * +#  ,  !  '%(&  *#  &%  2>A    5 &%+'(%  %5  $  %  #  % $%* (, #*  %  0!&! !  #$  %5 ! %55# $!&( 5 & &+ ( ( !D *0!&!!

  # ,! & %+'

,  # !&%+'* %%5&%+' % +%* #5%!

'*'% "  +%5+%!(,&%+%5!#& # &%##!

0!%* ,$#&  %&%#" 22"111;)'+%!&%+!



 # ,! (! ("0!(# ( 0!! *"!

%&# !

!&( + !

#& #0  ' #* #%#%0%E%5% #&% % ( % #0    3:"111;)'+%! 

+ !0

!

D +# C)B 0!% &%)$((  #!

#'% #!

! #& #0 %%(,  E((# ' *!!

( %  ((#&  &!  *&! 

  &!  &  #  !  * #  %     A)B  %!  '  5%  #%  !  0%E  #  + E  5**  &    # ,   # ,!#& #!

( % %* !%&%# CA; ,% %5!&(  ""C)A0#%0%5!#& #0!&! !%0 !

0

''

#!%+ (&%*  # ( % + %  * ! ("% ''& %%5$#&" %* ! ,!&(  5#!

%%(,0%E   ' *0 ( %0%E

  0! $ (!

# *!#55&*(,0 !

!&( +%5+%!(,&%+%5

3:"111;)&%*(#%  * # , ,#&$#&  #  &%* (  5%  !  &  %+'

,  !

'%#*&# %5& % *# ,F%$%5# % !%0!

"   "$ &% # !+%  +) E((#% E((#' %%5( )"! &%+ 0%*(# %*#

%* 4"111;)%21"111;) *! (!

 #!

&%+  22"111;)'+%! +,"$0 &!$#&% %+D! &%+!

%%(,#% !  %  E((# ' *!0  E !('%5B #:

%!' %  ( %5%*  *  %5& ',5%+ E 5** %!! 5%!%* !%(#*  # (( "5!&%+!

 # ( !(,

%$%5!++*+0  "! +& % 5 *(#0!

''  %  %

( !

D &%##!

! %5!#& #0 #:1 ,   **#!! #%55**'% '& "3:?%5!&%+!

### 0!&! !%*(#!

$ 21?$0%5!( 0( ##%0 ,!% *% &!%5!% ('D%* !$& ,&%-* &#"+5 &6.!/7% * & 6("!)$ &/!)"*%8

2$0$,

 %0$"($ '%%5%+! 5% ##& %%5!'D %*  !

  D &#  #  G*%#    !  +'* #  *# +   (5 &&%# %0!&!  ##%%53:?0 % #%0!!#& #0

#  0 B3  %  :1 ,   !* "  

%$ $0  %5 ! + "  +, &% ##%'%" *&! ##% ,! (& % 5 *(#0!  $ !(# %" +%5!$0!

%&%  %*#&%*(#    # ,( #&%* (5%! ," !+%5 !  "0    ,5& ,! %*!+'* #*# +

9

#0 # ! *("!  '' ("  #$%#%5 ,+" # + #   7     3>143124 

:)"!)"*%5" ;$&<=*" %&"/>"%= :)"!)"**"5*! ?,"> "%=