Icici Lombard General Insurance Co. Ltd. v. Suresh And ORS.
!
"#$ %$&'(')* +",-".%$)$."/)(0.")&$,1")2+','#$% 11$//")# 3$.(0( 40.$(5")%#5$.( $(1)%$)#(
+",-".%$)$."/)(0.")&$,1")2+','#$% 11$//")# 3$.(0( 4,#'%",")%#5$.( $(1)%$)#(
+",-".%$)$."/)(0.")&$,1")2+','#$% 11$//")# 3$.(0( 4,# $$)"")%#5$.( $(1)%$)#(
+",-".%$)$."/)(0.")&$,1")2+','#$%
11$//")# 3$.(0( 4,# ".(5)" $3'")%#5$.( $(1)%$)#( 678+ 49 :5$#5$.$1.#$.( +&"/$;(1"1$.(,"2-$"//;$%# ($$#5$<0%=,$)#> 2$(
-$.$ $..$%##5$$1.#$.(.)#>2$(
:5$#5$.#5$<0%=,$)#(50/%-$.$1.#$%')#5$ '=$(#>2$( .$($)#645.' 40.'?%3&"#$ .#5$"11$//")# (!')"//"11$"/( 45.'")3'.4')=55"05")?%3&"#$ .%.'3$.")%;)$.
')"//"11$"/( 45.'0/(5") $5#"?%3&"#$ ..$(1)%$)#(7&/"',")#(?
')"//"11$"/( 2#5'(&,,)<0%=,$)#?')#$)%#%'(1($ 0."11$"/( '$
#'#/$%"(+",-".%$)$."/)(0.")&$ ,1")2+','#$%3$.(0(40.$(5")%#5$.(@ #'#/$%"(+",-".%$)$."/)(0.")&$,1")2+','#$%3$.(0(4,# '%",")%#5$.(@ #'#/$%"(+",-".% $)$."/)(0.")&$,1")2+','#$% 3$.(0(4,# $$)"")%#5$.(")% A #'#/$%"( +",-".%$)$."/)(0.")&$ ,1")2+','#$%3$.(0(4,# ".(5)" $3'")%#5$.(.&)3$)'$)&$
"&#(".$-$')=#"B$) .,
#'#/$%"( +",-".%$)$."/)(0.")&$,1")2+','#$%3$.(0(40.$(5")%#5$.( 5$"
.$("'% "11$"/( ".$ %'.$&#$%-2)(0.")&$,1")2
"="')(##5$;".%%"#$% A1"(($%-2 .(',/$(5");".?
#.&&'%$)#/"',(.'-0)"/?'(".3'%$;5'&5&/"',1$#'#');"(1".#/2 "&&$1#$%")%"(0, (
?C7;"(=.")#$%##5$&/"',")#"/)=;'#5 ')#$.$(#DE1$."))0, .,#5$%"#$ '/')= &/"',1$#'#')#'// .$"/'F"#')
.'$ /2(#"#$% 0.&/"',1$#'#')( ? A? ")% ;$.$%'.$&#$%-24,# ".(5)" $3'? 40.$(5? $$)"$#& ")%'%",?
&/"',')= &,1$)("#') ) "&&0)# #. G$5'&/$( &&'%$)# 5$ &,,)&"($10# .;".%-2#5$&/"',")#('(#5"#) * "/;')%$.?
4"#2";")?40.$)%$.?H'/$4')=5")%4"%50?"
#$."##$)%')=)$,"..'"=$"# 3'//"=$95$.",10.;$.$&,')=-"&B##5$'.3'//"=$')""#"")#$. -$".')=.$='(#."#')* 7 ?;5'&5;"(-$')=/"%$%;'#5%;.2 ".#'&/$( )$ $/0 ", ;"( "/( &,')= -"&B ') " "#" 40,? " #$.
"##$)%')=#5$,"..'"=$5$("'%"#"-$".')=.$='(#."#')* 7 ;"(-$')=%.'3$)-2.$(1)%$)#)"/;")?"#"5'=5(1$$%?."(5/2")% )$=/'=$)#/2")%"#"-0#*1,?("'%"#"40,(#.0&B"="')(#"F')#5$ ".$" 4",1?'(".")%3$.#0.)$% 0$##5'(',1"&#?"/;") 4')=5.$(1)%$)#)?40.$(5?5#"(5?4"%50",?H'/$4')=5(0(#"')$% ,0/#'1/$=.'$30(')<0.'$(")%4"#2";")")%40.$)%$.%'$%"##5$(1#%0$ #')<0.'$(.$&$'3$%')#5$("'%"&&'%$)#5$("'%"&&'%$)#;"(;'#)$(($%-2 $/0",5$1/'&$')&//0(');'#5#5$.$(1)%$)#(%'%)#.$='(#$.#5$ &"($01#
* ")%;5$)#5$,"##$.;"(.$1.#$%#5'=5$.1/'&$
'&$.(?#5$)#5$;"(.$='(#$.$%5$"&&'%$)##B1/"&$%0$#."(5 ")%)$=/'=$)#%.'3')=-2.$(1)%$)#/"',")#(&/"',$%&,1$)("#')
.,#5$.$(1)%$)#(-2 '/')=($1"."#$&/"',1$#'#')(
$(1)%$)#(")% %.'3$.")%;)$. '/$%<')#;.'##$) (#"#$,$)# ;5$.$"( .$(1)%$)# '/$% ($1"."#$ ;.'##$) (#"#$,$)# $(1)%$)#(")% %$)'$%#5$"//$="#')(,"%$')#5$&/"',1$#'#') #'(1/$"%$%-2#5$,#5"#.$(1)%$)#;"()#"# "0/#5$"&&'%$)# #B1/"&$"("F(0%%$)/2&",$') .)# #5$"#"40,;5'&5;"( -$')= %.'3$) -2 .$(1)%$)# .$3$.? #5$ "#" 40, -$".')= .$='(#."#')* 7 ;"(')(0.$%;'#5.$(1)%$)# "##5$#',$ "&&'%$)# A $(1)%$)# '/$%"($1"."#$;.'##$)(#"#$,$)#1/$"%')= #5"##5$.$(1)%$)#;"()#5"3')=3"/'%")%$
$&#'3$%.'3')=/'&$)&$ "##5$#',$ "&&'%$)#")%)(0&5"&&'%$)##B1/"&$;'#53$5'&/$-$".')= .$='(#."#')* 7 ")%" "/($&"($5"(-$$) '/$%)/2#=."-
"/($ &,1$)("#') 5$ ")(;$.')= .$(1)%$)# '( )# /'"-/$ # ,"B$ 1"2,$)# &,1$)("#'))#5$$)%?1."2$. .%'(,'(("/ &/"',1$#'#')( 5"3$-$$),"%$ A ., #5$ 1/$"%')=( #5$ 1".#'$(? //;')= '((0$( ")% &)(/'%"#$%'((0$(;$.$ .",$%67
!:5$#5$.1$#'#')$.( ".(5")"?40.$(5? $$)"")%'%", .$&$'3$%')<0.'$(')#5$"&&'%$)#;5'&5#B1/"&$) * ')#5$".$" '(".74'.(""%)$".4 ",1?'(".%0$#."(5")%)$=/'=$)#%.'3')= ")#$. -$".')=.$='(#."#')* 7 -2.$(1)%$)#) "/;")>
! '((0$'(1.3$%?;5$#5$.#5$1$#'#')$.(".$ $)#'#/$%#&/"',&,1$)("#')?'
(#;5"#",0)#")%
.,;5,>
!
:5$#5$.#5$%.'3$. #5$
$)%')=3$5'&/$;"()#
5/%')="3"/'%")%$
$&#'3$%.'3')=/'&$)&$")%#5$ 3$5'&/$;"(-$')=%.'3$)')3'/"#') #$.,(")% &)%'#')( ')(0.")&$1/'&2>
A!
$/'$ 5$.'-0)"/5"(#.$"#$%#5$&/"',1$#'#')0)%$.4$&#')* 7 #5$ &# ")% .$#0.)$% ')%')= "="')(# ')(0.")&$ &,1")2 ")% 5$/% .$(1)('-/$"//#5$ .$(1)%$)#(# ')&/0%')=)(0.")&$,1")2 <')#/2")%($3$."//2/'"-/$#1"2 #5$",0)# (
?C7"/)=;'#5 ')#$.$(#DE1$."))0, .,#5$%"#$ 1$#'#')#'//.$"/'F"#')4','/"./2?
#5$.#5.$$&/"',1$#'#')(;$.$1".#/2"&&$1#$% * $$/')=%'(("#'( '$%;'#5#5$"
.$("'%";".%?#5$)(0.")&$ ,1")25"(%'.$&#$%#5$1.$($)# 0."11$"/(
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
!"#$% &'!
!#!&(
)* )+#,!-. ")% "!
'
"%
!"#$+&!#!&
-() (% )#,!/
* 4 "."("0#5.'#2
!"#$% & '!
0 ! (
#) '( &)&$.)$% #5$ "&#( #5"# &"($ ".$ %'(#')=0'(5"-/$)#5"#&"($,$,-$. #5$,"..'"=$1".#2;$.$#."3$//')= ')"#.0&B"("=."#0'#0(1"(($)=$.(")%0)%$.#5($&'.&0,(#")&$(?'#;"( 5$/%#5"#')(0.")&$&,1")2'()#/'"-/$;$3$.?')#5$1.$($)#&"($?'# '(1.3$%)#5$ '/$#5"#%;.2".#'&/$(;$.$-$')=#.")(1.#$%"(=%(') #5$
$)%')=3$5'&/$-2')<0.$%")%%$&$"($%1$.()(4?#5$&"($ #5$ 1.$($)#&/"',")#('(%0/2&3$.$%-2"0#5.'#2 "! ' "0 !
(
#) 5$."#' #5$("'%<0%=,$)#('(#5"#"
#$.",$)%,$)#')(0-7 &/"0($ 4$&#')A
!
-! $;&#?)(0.")&$,1")2'(/'"-/$') &"($;)$.")%5'(.$1.$($)#"#'3$(".$#."3$//')=')=%(3$5'&/$"/)=;'#5 #5$=%(4')&$#5$&/"',")#(;$.$#."3$//')=')=%(3$5'&/$#&"..20# #5$%;.2".#'&/$("(.$1.$($)#"#'3$ #5$;)$.")%"((0&5/$".)$% .'-0)"/5"(.'=5#/25$/%#5"##5$)(0.")&$,1")2'(/'"-/$ )3'$; #5$"-3$%'(&0((')"//#5$ 0."11$"/(".$;'#50# ")2,$.'#")%#5$(",$(#")%%'(,'(($% &12 #5'(<0%=,$)#-$($)###5$.'-0)"/ .(#.'&# &,1/'")&$ () 123 4$ /
-
%