← Library
High Court of Punjab and HaryanaCWP/21391/2018allowed

Icici Lombard General Insurance Company Ltd v. Sombir And ANR

2024-08-27Mr. Justice Vinod S. Bhardwaj17 pages

  

  





 

  !"#$"!

&'()* (+,-,)./% "% 0 

    

  :"  

             



                 

    . '

 

  

        5    6, ,+ (, ,'4

  !

!'$   2#  . ( (!   0<   2 2  " #

$/

   ;

 2#

 5  !

%     # 2  #

  6+,,,,,-!  

&'( )        *     ++,,-!

 . '

/ / #   *             .

'  0 1# -0

2 

 . = =!

33!(+,4   5  !%     #

 #   . 6,,'-',7, ,83,36-,,-/,, %9  6''4,+4-!   (( ,8 (,'+    ('

,8 (,'3   2            

  

# %5   '8 ,8

(,'3 5 #2 # #



  # 5 5    . ' 5

    = #      > #     9   

  $    5    

  2 -   5 

.

  

  1  5

     !%   

#        

 '8 ,8 (,'35  

5 

 2          2  9   

  $

 99 5           # 5    2#   !% 



 #   -  # 

 5



    

 2  

  5   2 - 

 -       5  

 

          

2#. '

%5     

  

2    5       

    2   # 2  ?0 

 

    

  <    5  

 2#. '

1 1  !%   #       #     



    @    

5  2  2#   #   5 1 !%   

#      . '  (+ ',

(,'3   #    #       

#    

 1  !% 



 #        2  2# -  # 



 %   

0  

 

  # #



    #     

      ,7 ,( (, ,'7    2 2#%   

     !

''$5  5   1

  

 #             

      

 2 

2# . '!

     # #   5  5   

    %  5    #       # #             0 0<   2

 " # 

$ /

    ;

5

   2  2#  . '

      5    ((!

4$0



   '847  !

!%    #     

     !%     #   

     5  52#   2  

 2#    !

%    #

2 5  1 1

      "

"



  !

 



 

  

    

  

    

   

 

   



  

  





  



       

 "

   

)



  

   

 

 

  # #   

"      

$  



  * 

+  

#!

  



     



  $ 

 

    

      

   

 

        



 

%

$    

,

   " 

  

              

  "      

      

      

    

& &    

  





     

!

!-



.   



& &    





   

  

  

    

 ( 

      

 

   

  "  

  

$

  & &    

 

 

 





  

"    '    ( 

 

   

       

        



 





&  &   

 

     '   

 

  &  &    

  

 

,

*   

    

 



  "    





  

)

 



 

  &&   

   

 

         

 

 "

 

     

     "

 

  

           





 

  



   

 

$



 

    

   

       

   "

 

  0



 1     



  "  

 

/

$  

 

  

 

  



  



 

 

   &   

 

 

      





     



 

   

   

.

    



  

   



  

 

     

 

    

    

  

  

           



 

    

 

 

   "    

2 "       



 

 









    

 

 

    "

    

 





  

  

  " 





.  



 !

%  

     

"      

 

    )   



        



 

  

  



  

         

 

 3  



  

$     

 



          

 



 

 

   

 

         # ,++++ ++&-  0  

   



  



  

 

   4        

 

    



 

.  

       

 

  



    

  

 



 



  



   

2

  



/      

       4  





   

$

    



" 

 

 



   

   

  

  

 

           



    





    

   





   

-  "

 

 

3

*   

   

  

 

    # #!

#%   #!





  

    4       #

 



 

  5

 

 

# #%

  

  

     

   $   # #

   



 

 

  

    

     

 

)  

   #!

#% 

   

  



  

 

    

  

 

   

  )

     



   

    



 



   



    

    

    

     

    





  

    

6

# 

    



    

 

   

      ,

       

  

 



      

  &

 

  

 

 

      

  5

    

 

 

   

0   !!-   

 

  

     7-



#  

 

  # ,++++ ++&-

 # !°&- 

     





  

< 

  

 " 

.

 # ,,++&- 0     #  .

. '  99 '8 ,8 (,'32#

   5 #=

#  .

       

   5  2   

  

    5  <  

       1 1 #9 99

          "

"#



 7 =   0 

0   0 5

# # 8  ,+   

* *     5

2 

9 8 :  # "

#   8 . 8

9 8  5  

5  '



' 0

9 0 

 .  



  $ 



    .



>+>!

!+ /  $ 

  





5# // !,+6 '  0 9

0  5 

   2   

!7 , 

  $



( #  '

'  9 ?  0 

  





 

  



    

  

"

  

  $  

 ;

 



 ;

     

 

 

 '

'  9    

 

 (

"

   

9       

     

   



    



    5       

            ?

  .  

 @ =



   

,

  $    

   .  $ 

0 

"    $   

    " "

  5 

2#. ' 

 

#2# - #

 1 1           5      2 2#  

 1 %     

 0 5  2# !%    #5         #       ?

 ? 

  5   5       !''

1  

 2

   

  

 %

. 6

2



. ',A 2 < 1            "(       4    



  "

.

. 

  

1

 #     2   

. ',3  2<5  

   "$A  

@50  

@50 

4 





   

.

.    

 $A

#

 

   

  

 "

 





 

1    # 5    . 7

2 

  1

 

  "2 

  

    $A 

    

   

 

  

 

 

BBB

BBB

BBB

2 

  

  $A 

    

 

   $A

BBB

BBB

BBB

2 

   

@50

  $A

1   

   

 

  

 

  

 

   $ $A

BBB

BBB

BBB

2 

   

@50   $A

     

 

  

  $A 

  

BBB

BBB

BBB

2 

   





  2 

   

 

  

 

 

( (    



  

 

  "



 #       5

  1 

     ;

;

    

 

   





2

2   $    &?    



(

    



 

  

 %&'

"  # # $ $

$ $ 



 

 



 &?          

 

    

 

    

 

BBB

BBB

BBB

) )       (  $A

2  

     

2 

 

  





  

 

     

 

      $A  

    

 

5      



    



 &?    





!

"  # # $

2 

 

  





  

       

      $A A $ 

 ?  



 



    

  

BBB

BBB

BBB

2 

  

   

  $A   

  





    $A

5   



     

;



1  2   # 2 5      

  2#  B ! 

  #!

 #$  @

 #    2         #  

 C

  C       



# %5

 

5        

         5     5     5 5 

   #     

 5 

  

2 -  - 

1    #2  5        #  2 

   - 

1

  

#  5       #     

         2     



 1      

   

    5           5  

    5  2  #               1 1      2 

      ;

;(   

  $A



 

    

 2  



  

 $A



      



 

! $    !

    



  



 2 

 





    

 

  

&

?    

% 2  



%



  

 

 

      

   $A

, 2 

 

,     

 

 



5  $A



    



"

    

C 0

 #                  

0<  2 " # #

$/

    ;

  #



 5 

5 5

2      2 2#

# 

     2 

 2#   . '!

  # 2 

  

  2     

  5   #   

       #2  5    #   

   





 

     .

. '!

      

  2     # 2#  0<  2 2  " # 

$ /

    ;

;

  =     

 2 

  #2 2#  0<  2 2  " # 

$ /

    ;

;

     

 

      2 

-     5  

#



  D 2 

  #2  5 2# 0 0<   2

" #

$/

   ;

=

   5  # 5   2# 0 0<   2

 " # 

$ /

    ;

      

     % %

    

   



       

2      5   

2

    % % 

     2 

5 5   #      2   0<   2  " # 

$ /

    ;

   



  

 



      #    2   < 2#   !% 



 # .  

 

     2#   #    #  22#. '!

 /       

     2# 0<  2 " # 

$/

    ;

      #- 

  

# 

#  5# 5  2   2 1  # #

    

  5 

   

     5    

5  /   

        #

   



        2 2    5   

    

 5 5

 

5   2# /   



  5    #   # 2 2             5 5           

    

    

 2 2  5 2  #  1    

        5         # 2

 5     -  



2         - 

    

    . '!

  # #25   #

2  1   0<   2  " # 

$ /

  

;

 #            5    2

      

   2#    !

%     #2      

   1        5    2   2



 



  5

2 1 

        2#    . '!

   

#

2 2# 2 5 -

  

2

2  2

    #  % %        @        

# 

       5    2<  5 

@  

 

   !  2# 

   

  - 

    

 2 

     #  



2  2# #    0< 

 2  " # 

$ /

  

;

  ?

?

 5   2       . '!

   2    #2      #-



   

   

  # 2  

# 



 !%   #  1 #  2 

2   #5    5     5  !







2                #  2#  0 <  2 " #

$/

   ;

;

 

 5 

22     #  5

 6, ,+ (,'4 2#  0 <  2 " #

 $/

   ;

    .

. (+A(,'7  E2  % % %02 B   %     #E 2#  1  . '!

   5  2   2# # 

    

   2  

     2   

   5 

 .

.             . '!

       



      2#          2    0<   2  "

#





$ /

    ;

 5 5  2       2 <    5   

     5 

# 

 

   

/%0

( )

)

"&  

E&*

)

  E&*