← Library
High Court of Punjab and HaryanaFAO/753/2007dismissed

National Insur. Co. Ltd. v. Nanci And ORS.

2025-05-08Mrs. Justice Sudeepti Sharma11 pages



     

    



  

   

  !

"# $ $ $  $        

   !    

  "

    !  #$  %  &

 ! '

(((( $  $



# )  * !

*+, 

 +   -.##.--/!   #//!   %     #011  

  *+        

  

) * & 2!  3) * 45  *+   

  ! '6.00.7,   896:



    . ;

!! !  .6-9.--')<=    *   &

  ) &  

 *    ,67$'--*  *+)<=  

   

*    ,6>7/910*  *+, '       +   !

     

!

)<=*+  

  >    



     )<= 

 

=

 

 ! &  !  >

 

* =

 .0-9.--'



 

     $   ! , 

 + +

 *    ,6>7/910

* ?

+ !

     



+*   !!   !

      +



   + @  *     ,-67/06/) !   

 +* 

   **   !

   

          ) !      +          *         ,

 +** !

*++  

  '          !    

*     

 !@A$.'.,.--9!  !      + !) !  + ! 

!

!*+ 

 + 6      !     ',   !    !!    

        ) *     

        

    + ! 

! / ;!   !

  

+  

   ! !) * ,



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

*+,,#!# -"%  

"  

 -.

$  "#" $ "/( /,,+* *,$  0 "1#  #1"1   ")" 0 )  #"0""!%! &'()'*+,,#!# -" %     $ % #"1

! &#-0$" " " 2 ! $$  "!%! &'(3'4 560#!# -"%-% 1  $  "      "  "11"  ""         !%!" !   " - !! " !%! " 2!

1" 3$!0

    !-  $0  1-  "    "  "   $" &#  )1"&$0""   7$  &$0  3  #    !!      "  " /6 /,,+ 

  189. /: 1 #$!0#! !)1"&$0" 5  " *;1." 

*"  "  

 -.

(#" $ "

 #"!! ""/( /,,+")  #"0" & #   "    )1"  "1  &0  "  &  !" "  # 0 0#  7$&$03 !! ""/6 /,,+  $"   %#!" ! 3

%

6 

+<" "  

 -.

4$

"#" $ "/( /,,+* *,$  #1"1 ""1 *4'0) 

#"0"#"#  #1"1"!%! &'

,()'*+,," #$"  

   # -"1!%! $ &#-0$" " " 2! $$ "

!%! &',(3'4 560#!# -"%-% 1  $  "      "  "11"  ""  "  2     !%!  %1"1"#"1     !%!  # 11  "!    !- $01-" ""$" &#  ")1"&$0"

,  $"-"  " )"$.

" !" < < 0$".

5" !"! $  .

6    !%!   &',()'*+,,  "  &',(3'4 $""1!"!"18 /4*  /( /,,+0

!"<-2"0"

$" "-"  !$% !".  8. /0" $$. *0" " !"

< < 0$""1!"!"18=/4*  /( /,,+

  3 >0" !" $" " * #"% """8. /" " $$. *#" 1"" !%!"-- "!! " 1-"    &',()'*+,,  "  &',('46(4    "  !"



!""  "0!%!"#!"1  &'

,('46(4&',('4 56" !! "1%## "  %$!!%! &',(3'4 560#!#" % $" " /" " #$" " *" 1 !$""

/ "!"-"! #1" -"! %" !" $" " *  " #"8#  1 01"" 

" "1!%!#1-"

&',('46(4"  % ! "8. /"

" $$. *#" . + &#-0 "1 "-1" !%$!0#

"    1"  "      

" "1  !%!  # !%&',(3'4 56  " )"$!  "  !" < <.

)-0$" 

( " 07#"-1"1

! !"!  ? " 2"18 /4*  /( /,,+0"  !"/ 60**  <0 !"<-2"0" 

(    !! "" !! "1%0# "!"- !"*,+'7 " " "<  

(  ""-1"0# " "  

" "1!%!#&',(3'4 56" !! "   " "$! " "11" -"1"$

" 20## -"1

" "1!%! &',(3'

56 )-0

( 1!%! &',()'*+,,

   ! #

" "1!%! "

2"1 &',(3'4 56!"!%." " $

&

.

6 

(  !  "

)"$  .

 "1   !    "-1"  &    $$"%" # !  1 "1"--" !%! &',(3'4 $" "! 1"0#  $" " " 2 !"11 "1!! ""

@" &#-0!  $$"#". &"!0  -"

"! #"1" )-0$"  "%" 

" "1!%!#1-" &',('46(4"0" "-1"0-  " !%!"-- #&',(3'4 56" 

!!! "  "$! " "11" -"1 " 20## -"1!%! &',(3' 56 &"!0!"9.  :#  1" &#-0" !".  0"-" ""8. /#""

$" "-  "   !"%"

801"" !%!"-- #1-"

 &',('46(4 &#-0  " 

7 "  " - "!1"! $- 1"" !%!#-  &',(3'

56 )-0$" $" "" " 2

!"1    "    !"  !  &#-0      "    "% !$"$""1 ! !"!" 1 "1 $!"" % "1 " !%! &',(3'4 56" %$!"1 )-0"" -0$" " " 2-"

"  $$"#". "-# 0 1" -"! %" !" $" " * -  "% !

* 7$% !"-0- "!1"! %$"0

!" #"

"!!! "   "$! " "11" -"1 $" "

 !%! &',(3'4 560#!#" %$" " /  ! "1"! !. 4" " #$" " *- ""!$!%. ( &"!0

 !  " - $"" 1"$" " A  

!      ) *   



+     + 

 ! 

?

 

!     *+ '    !!  * 

 ,-6>,/910     )  +!+ 

   !

  B  C,# &

 !

         + *  

!

     ! ')!     +  <

 

,B   *+ 0 @



*        *+     + 

 B  C,' *     

C,# 

 

   !!  

 *   

+   

  !   +    

 *+ )<=2    5

'

#- )   +

!*+ 

 

 

!   #$ *   

 !  ! ** 



 *+     ! ' ##  @ 2DB.5+ 

* ! !!      ,-6,/06/   

* ?

       

 

+  !

 

* * ,-6>,/910 

, @  B *  



+ 

 +

  



  

*

% 

 + 

+ +  +

+ 

 

!

!

  C

 

* ?

  

*  

 !   !  #.    B   * =   $--'.-.6! 

   

 ! "# $

%&'(!  )' &  % %$   

   

* @     

 

! )  !=    



 ,  /

 ""%$! " $ " !89. 

:0 1 "-%   !!"!0    "  "%  !     "%    -   1"" 

" "1-! #"

!  "--"1    !! "0  $!%    "1  "    %  "0      " "!"    -!    "# $! 

" "1-!"1

(

# "@8!$"-"-0" " $! " !" -!"  - "!$"  $$ 8!"#" "0" "%@" " !"1"1 "-1"

1%

!""--"   @

    

*+   

 

  ! *+    #$

 &

    A!!  B  C6  

?

 +      

   

  !       



* !!!  

 

* ,-6>, /910 ,-6,/06/ + @  !

 

   !* 

  !

'

 !

  

 *+        !   

*+! ' #'  ?

+   

 !  *    %   )

   *=  

 !  !

 **              !   !   *   

 =



   )       *  !!

  *+  3*     

=    $) !'* $ +!) $' % %'

$!,-- .--/ 0    

  

+ 

 *= !     !     

 !    

   )    B   !     

  ,



/  !"" $-" $$! &1<0"

"%0#"" "1 $$!$1 -!  '! "" &1<C #!$"#     " !! "0B -!1"%  ""!!$"%B

 " "1""! "%!"%$-

&1<$$"!1"D" $"!$"  !! "!0!$"!$ $ "!"! "!   #"1-" <"E3- "    -  &!    "$  <$"  "  0 /,,69*:  < 9<-:  5,(=  /,,69+:   7 ;  +,5=  /,,69/: 7<;  = 9/,,6:

*<<(*,-%$""= B"" "0 "1% "!

-#  #"!%""" !$

 "!! "! %$!"$!""% "$ "%!"  !"#%       !  "    !"    $$" "!  

$%  "   $ %" " ! " -"$$ A #6   !* 

! !

 

 *+  ! 

@ 

 )  

   +! !   

*   

 +         !

  !  7 

 +    *        +   *           !

 ** 

 

*+   



  ! ') ) *   +  *    ,-6>,/910 *+ '



, 

 +*!!   #/ 

 +! ! ) * 

!! !

+ !

+  

+

  !  ! 

! 

! ! ) * ?



!     

  !

@A$.'.,.--9*!  

   *+ 

     

 *+ 

  7=  ! #9 ) * !   *+

  



      

 















      ! !"

   # $%!

 !  

 

&      &    



     

   #0   2 5!+     !

'

 

$  $ "



 

 C < 7, < <   C  * E