High Court of Punjab and HaryanaFAO/4415/2012disposed of

Icici Lombard Genreal Insurance Co. Ltd. v. Ranjna & ORS.

2017-08-01Mr. Justice Fateh Deep Singh17 pages

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

! !

! "" )&!+- ! " " &# ' ! ()* + ! ".

# $

&# ' ! ()* + ! "" #$ ! " % " ! "/

# $

! !

% &# ' ! ()* + ! "" )&!+- ! " " ! ",

# $

&# ' ! ()* + ! "" #$ ! " % " ! "/

! !

##( )&!+- ! "" ! "% &# ' ! ()* + ! "

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

" 12 + $+' (+1& *

+ 3 (+1&3 - 12 '"+ 1-+0 '4 5& 6' #+0 -+ -+ 6' #+0 + ' ! +& + 4" / %

' 4 5& 6' #+0 -+ - !+0 + 708 $ 1+0 9 8 8$8%%: - +! 12 6' #+0 + " " +' +4"& 0+0+!+0 (9 8%.8 *8% ., +! 12 + #+0 - 12 ; <#= 50++ ! +& -+ <$<$< 5'1 > <& $'"2 5 ( +!126'#+0 --12#!+)&'+&-+ ( +><&$'"25 ( (+1& +! 1 ! ++!!+ +0&+2 +1&20+0 ?

@ 7+ 0 6' #+0 (+1& + +'

;8 " ' & ;% " ?" ""+ '&+"+ '"& "2

;8 '&

;8 - - & ?" '4+0 '"+ /

;8 7+ 0 -+ (+1& +'

;8 " ' & ;% " ?"

""+'&+"+ %'"& "2 &

;8 A2 +0 '&

;8 - & ?" '& %/

;8 - - + !& +' < +'" 12#'& "5& -+ 0 '4 5& (+1& ++'

%;8 " ' & ;% " ?"

% .

;8"&'-+'?+1++2 ""+'&+"+ '"& "2 . /

;8( -+-- -'&

;8 +&''&

;8 - - & ?" +' '4+0 '"+ .

;8 / ,

!1" 12 <& $'"2 ( 1+0 9 8%.8*8% ., +!!+ & / , .

!1" 12 + > <& $'"2 5 +& 708 1+09 8 8$8%%: %:

1 " 12 +' & "5& 4+0 ' '"+ $& "+0 +& '"2 ( 0 ++0 (+1& +1&+0

@ 0+0 +#+0 +! (12+0 1+ #+0 78 0 28-+ & + + ?'++ -+0

/ BC( &4-+0++ &40+ &4 '+0-0+B <+0&-+ ! ' + -1&0 -0+ 12++!&40+ &4 - 1+0 +! + 0+0 + +&' 1+1& ( - +! +& +1? ++1++2"2 '"+ $&"+0 +&'"2 708 2 -&&0 ' 1+#+0 78 1 - +& (+!2!0+ + 12 "+4+0 ' +'2 + -+ +0& +#+0 +!

(+""+ -+1?+ !' 1+#+0 78 2 ' +0 - &+D&+4"- -+ + +"& + 12 +! - +& ( -+ 0+!!

@0+0+! 708 +11 +12 +0+! (1+0?&+!2+1 &+0 +& + 0+0+!+0<++ ++0& 1+ < 0+0 & +! (-"&+ &

++"! +-2 (+!

, - -"+1 &+0 +& + 0+0 +!+0 < ! & "+ "& ""814 ( (+1& '+& + -+0'8

"# $%% ( +'?'+ 1+#+0 78 + 0 & +& 1+#+0 +!+ +&2-

+!+E?7 ;< E? !? ' ++'2 -+ 0'+- + &+D&+4" -8 B( / %

<0-+ #&4 1++-!+0+ $ =58%$8>8//, 9 8 $8%%: - +!+0 + 12 6' #+0 + 0 -+ + -+

-+'4 5& <- -+ 6' #+0 ( 6'#+0 -

! +A $ 4 - --+ ) '!+0$ '"&1&:% & (9 8%.*8% .,' ' + *

;""+++ !2 +0 " < - 1+0 +! 12 + +! 2 0+02 +(+ 708 $9 8 $8%%: '+0 -0+ ++ 1+"" +

&6'#+0 -+5& &"+708

$ - +&2 + & + ! ' 1& 2 &&'1 " ( +!

+0 ( -2 !+01 + +(9 8%.*8% ., + +( ++-&& 0+0+!+012 " '+0 -0+ -

708 -0+0++-" -

+ & +' + + ' < - 0+12'0+ " +! (9 %.*8% ., + # A+ !+ < / , %

6;# ,: % <$B ( -+-8?'+12&"+0 +!- (9+ &00+ +4 "& 0+0+!+0 "

+' -+!+0 +! ++ 0+0'& + '+0-0+9- & 8?'+12 & "+0 +& ( < + 8?'++ 12 & +& '"2 " -+0

8 B( ++4"1&:

"'<+ " &4-+0 ++ &4 0+ &4 '+0-0+<+-0&00 + 4 " & 0+0 +!+0 " <+ < ! +!+2 '+ +! &4CC <+-0&00 <'"+0 21+0 1 F < !-+ 0+F < - +& 2 -+ + &+ -+ "+ "++"B 9- & 8?'+12&"+0 -+& !? ' +?'++ -8 BC<+-0&00 <-" "<+-0 &00 1+0 0++ 9 8%.*8% ., - +!!+ 0+&++ &++ '-20+

+!+B

<+"&12 +! (+""+ -+ 1?1&+'2 1+#+0 ?"+ - + 4"6'#+0 - +! +!!+ + & &2&&'1 + &+&++ & + #+0 8+! (- 1-+?"+ - -! ++&+0+&++0 + &+ &" ( !2 +#+0 -+

+' ' -+ 1?-+ &2 &+ +++0+&'-! + 0+ +' & + & + 0+0+!+0- ++!+0(1+09 8%.8*8% ., & +? '

+!+ 1+ #+0 -&'4+!+ '0+"++ +4"+! (1&0 + -0+ &40+708 0+0++ ( D&+ +++- +0+ ' -++?'++ +0 +0 12& +&'"2 (+&

++? +! - +& ( + +1++2 +1&

@ + 0+0 +! 708 $9 8 $8%%: " "+++- ' -+ 1 - "&" ""++ + !++2 !& < "+4 ' + +++ - +! ' '++0"+++'2 & + '++0 &+ & ? "&

+1! ' +'2 1+ #+0 -& ++ +

' '+4 - ''+ +' +0 + ?'++ ' &+ - 1& "&+0 +D&+-+ 0+ -! + " &< -+ '+ &' &40+ &4 '+0-0+ -

+'2+ '1 +4"& 0+0 +!+0 " +! ( < + &+"&"++ 1+ < 0+ + 1+ #+0 '"+ +!+0+ 12 "+ - " 0+ + #+0 ''++0

"&+ 1&#+ ,:% 8<$$& "+

! ?" + +1++2 2 ' +0 1& &' +'+"+0 (4+0++++'2 1+#+0 78 - &' +! ( !+0 +'+ "+0 &"-+ &' -+

+' ' -+1? -+ & 2 &+ +1 + + +

+' ++0 (+1&

@0+01+1&+! 70 $ 9 8 $8%%: +! ( 9 8%.*8% ., - 2 "+1 &+0 +& + 0+0+!+0 < + !+- ' ++0 (+1& +& '+ +12 +0 +&& 0+0 +!+0 ! +9 8%.8*8% .,12 +#+0 G"

&2 + + + & & 0+0 +!+0 ! + 9 8%.8*8% ., 12 +! +

! ++02+& +-0+ +! - +& +! +( 1+0 "" +12 +& '"2 ( 9 8%.8*8% ., 0 ++0 (+1& +& +02 +'+ - "" " 12 +&'"2 708 9 8 $8%%: 0 ++0++&- $& +& '"2 ! 2 0&' 0' '"+ %/

;8-+ 0

-+ 9-! &

";+' &1'+ '"+ - 12 (+1&++11 +"&" + 10& (+1& -02& ;%-"?" - + +2- 1 12=+!++A +$&+ !"#$ % !&'()*+,- + #-)('.< & 10& '"+ - & !+ 84 ' $& "+0 +& '"2 -& &0 "" 1" 12 +'4+0 ' '"+ + +' ' + 1 - -+ (+1& - D& '"+ +' &1 +' !" 2""4+0 ' '"+ ( 1 2 +"& 1& "+++- (+1& &1+0+

&1'"+'40 &

12 !++' '+2 < + 0 1 ' 1!+ 931 #&"'$& <++ '4 &0'"# / ! !0!# !1 1 & '((2 +,- + #- .. "" 1 " 12 +& '"2 0 - $& + ?+ + &2"" &+++?+ "-!+1 (+1& "+&2 + !+- "!++ $ $+!+ & :

. "!++ H + :.. 1! + 0++ + '" ?'+ ++0 (+1&1 ' "+ !+- ""-" ( (+1& +'

;8"' 124+0+++!& !+ &8'4< +0 =+!++A &0' +$& &+-"?"+1'+ "+ +-+0 &+ ' 12 (+1& "2 ' /

? ? %( +'- '&

;8 &?"( 1 +- &0 2&0 + - '+ + ""++ '"+ &0 + 1 +4 ( +'+'&

;81 D&2

+ + ' < + ' '"+ ' . ,

;8 ++ '& +

;8 . ,

;8 8 %/

;8 "21 +'

% -+ + , @"&' ' "+++ ++ ( '& +0 '+ +' 1 "+++?="+ +" 2+ + 0 ' +2- + !+( +' 1+ +20+ +?="+ +" 7+ 0 6'#+0 & ""

!20&' 0' '"+ 12 (+1& 9-! & ";+' &1'+ '"+ 12 (+1& - ' $& +' &1'+ (+1& "'&+"+ "+ +0 -

2 <+ & 0& '++1'&+"+-&1 %+ +0 &0' 931 #&"'$&+"#/3! 4!&"( +'+1 + +++'

&&"" ? % @$'"+-& !+ ' $& +&'"2 &"" - -+ &1'++ (+1& D&'"+ ( ""++ '"+ - +12 &0 - 6'#+0 ( (+1& ++'

;8"' " ++0 (+1& 6'#+0 -

2 0( '++1'&+"+ 014 /8

2+ %" &0'"#/3!4!&"( (+1& ?1 + +++' &&""

2 ( +' 1 + +++' ? @+ +0 &0' !

! /!" $ !& '(), )*(, < + ' "2 ' :.

;8 I , .

;8 ? ? % J ,

;8 @ && "" 8

;8 ;%-"?"K6 !+

+' 1 + '&

&?"

;81 D&2 !

+ 0&+ +

;8 < +' '"+' . ,%

;8++ '& + %

;8 . ,%

;8 8 /

;8 "21 +' -+ + , @ " &' ' "+++++( '& +0 '++' 1 "+ + +? ="+ +" 2 + + 0 ' +2- + !+( +' 1 ++20+ +?="+ +" 7+ 0 '4 5& (+1& ++' %

%;8"' &+0+'? +1++2 ;% - " ?" & "2

;8 " &' '&+"+ - ""+ '"& "2 & . /

;8 < ++ '&

;8 & +&' -+- & ?" 1 - '4+0 '"+ .

$& "" -& 1 + +-+- -&0 '++' 1 " &" + +0 ( '++1 &+ + 0+! +&' -& 1 ; &1'++ ' 12 & + (+1& -1 + +++' && "" ? @<++ ++0& '"+ - & !+ ' + +0

&0' 931 #&"'$& !

!&" /#56 !/!"5!

!&'(),+'-

+ #-2*7" $& 4 +' ' '"+ "'+ - :4 /' 1'0+0

+ 0+!+0 +0 4 ' + &+! < + 0& !& !+ -'0' +D&+1 '"++ +0++11"+ $& "+0 <& $'"2 &"" -12+0 D&'"+ 1- ( ++ ""++ '"+- + 12 -+- -&0 '+ & +' ! 1 + 0 '"+ 1+0 " &" +' 6 +&' '++1 &+-&1 ; +" ;% # " +' ?+0 1 + + 1+ &&"" ++"&12 -

/ 2 0& '"2 + =!"'

+ + 6+ <&$5 =+!++

+ 4931 #&"'$& + " # /3! 4! &" - 1 + + + +' &&""0&'"2+ 1 "+ 0

2'4 -'

2 0 + "" ?+01 + && ""+1+11 $& "+ !+"& 2 -?1 &2&+ +'?+14"+ !+- - + +0 "2 ( + +

(4+0 + ++ +' ?'" ' ? + ++ 2 /

;8 ?1 +' -& 1

/% %/;8 @?+1++2' / % %;8J

,.:;8&+L , :

;8 &+0 ; " ?"?+1++2 +'!+1 "2' :

;8 ""2+0 '&+"+ "2 ' % :

% ;8I :

;8? K 6 !+ "" 1+ '&

;8 +&' -+-

;8 !

+ 0&+ +

;8 ?" &

;8 ( -- :4 /' ( 1 + +'( -0& '"2 6+<&$56 +&' +'

, "" '"+D&!+ '0 + &+ + < !+- 1! '"+ '

% /, % ;8 '"+ + , % ;8 % /, % ;88 .

;8( '"+ 2 + , @ " &' ' "++ + +M+ "21?&+!2-+-'+ + D&""+( '& +0 -+- 1"+ ++?="+ +" "+ 2 '+

"+ 2+ + 0 ' +2 - + ! +( +' 1++20+ = ( ""+" + +' )&'(). + 589- N=>&+O "4+0; 2; "1 2;