Icici Lombard Insurance Company Ltd. And ANR v. Sanjeev Kohli And ORS
!"# $ %&'()*# + , (((%% !!'
- "#"
.
(/0 12,!3', "
(((4 "% '"
!"# $ %&'()*# + , (((%% !!'
- "#"
.
(/0 12,!3', "
(((4 "% '"
.
(/0 12,!3', "
(((%% !!'"
- "#"
!"# $ %&'()*# + , "( (((4 "% '"
!!
.
(/0 12,!3', "
(((%% !!'"
- "#"
!"# $ %&'()*# + , "( (((4 "% '"
"#$%&$'()(%*+,,
+ -.
, /,/, " '6
(40 /3+,)1$' 7 ', %% !!'
"3
7
"% '8( 3 "*0 !! (
(5 %900)1$' 7 ', %% !!'"3 3 7 "% '"8( '3 ,
(.13 2# )1$' 7 "% '8(3
7 "% '8(3 "*0 !! , ::::
,/, 1,
( 9&',3" )",!!3"%" 77# "3( ( 73! ,!773"# $ $ %&
"*0 !! 73! ,!77', $!3 '") ;,3$,,1 3" #'7', " $$3 '( ( 3 7!& "'' ) 7$'" 7 ', $" ',' (
( / '(5#",%. 13!+;3',, ,#"
/,(5 <",,2,!3 "3 "
" ', % "";
'
1 !!3+31$ 3+ +3"'
'3 8(59
$ 3+7 4 %# 5,#!+3+'; "8 , 7'
'' 3+
3+ 7#$'3 ', $ ;" 3+ 31 /,(5 <",,2,!3;, ', &, $, 3', 713!!+ = '#<'; "9 !"3 )', '
#$< 3+ +3"'
'38(4= , 37'
' " ', 77 3+ '
#$< $ 7
%%"3' "3 3+ 31 & "% '8( 413 /3+,3 ", +!3+ ' 3'$!!3 ;3',1$ 3># "'3)"
"#!'/ '(5#",%. 13/,(5 <",,2,!3"#77 #!'3%!
30# 3 "3 '', "%');, "', $$#%'"'
1 !!3+3', 3!! 7' 1 $ !" "#77 30# 3 "( ?, & ;
'< ' ", *"%3'!);, 7', 30# !&/ '(/ ,0'2# ,!" @%3 (
!4;3', '', $$3 ';"+' ( ( ?, $!3 '"3( (.
(/0 12,!340312,!3A""
"; !!" 3<9, 3A#+,'
7/,(5 <",,2,!3 / '(5#",% . 13 ,
#+,' '; " % ' $!3 % '3'3" +3"'
"% '" 3( (413 /3+,A )* 0 '/3+,A;
! "# $ %& '() *# + ,
40"',A3"#
7', 77 3+'
#$<( ( ?, $!3 % '3'3 3+ ?8(
?7
(( ,
73! &', $!3 '")$!3 3+$ % "'374"( !<," $$#'7 ',7', 3 ', / '(5#",%. 13)"#
3''3+','', $ " ;"+ #'& ") #3+ #'3># 3, ,#" #
', "'&! 7 B"5#",%9#'3># )8 !;" 3+ 4"( )B% ',( ( C, "$!3 % '3'3 3+ ?8( ?7
(( , 73! &'," 1 &$!3 '";3', ' ',7', 3 7',
/,(5 <",,2,!3$' 3+',' $ " ;" #3+'
"% '
%&! " ) 3+4"( )B% ',$$#'7,3"
% '# 3" )', $!3 '",1 "#77 !"";
'3'! '+ '', $ % "'374"( !<,"( ( + ''3+'3$ )!!', ', "% '",%% 73! ;
3'' "''
'" $' "'3+ ', $!3 % '3'3" '<3+ !
"'
"3 3! "'3 ',', $!3 % '3'3"( 4 "% '" 8( , "#
3'' 03' ;
3'' "''
' 3"3+1 3#"! +! 0 $'3")';3'','$!3 % '3'3";
' 3'3 ! ', $!3 '",!$#""'3 $#" 7$'3' 73! ', $!3 % '3'3"', $!3 % '3'3";
7 03 7 ; 3"#
7', 1$ (
3'")"#$, "% '" 3 ',' "% '8( ,$#" &$$3 ' ', $' ',', ,
3 %!3$' 37!" $" " ''
77$')', $$3 ','< %!$ # ' ", +!3+ ' 313+7', 1$ &3'"
/,(5 <",,2,!3);,;"# ', 37!# $ 7!3># "3$ , ;" '# 3+7 ',
3+ , , 3"
,1 ;3', $, "'
+3 !"3',
3+ 7#$'3, ,! 7'',
3+ % '&3+ "'
#$<', $ +3"'', '
#$<7 "% '8( 3+ 31
"% '8( (?, ""
'3";3', '$$#%'33$ 7 ', $ " ;
!" 7#' ( ', " % ' ;
3'' "''
'" 73! ,!7 7
"% ' 8() ', $!3 % '3'3" ;
$' "' $' 3+ ','
"% '8( ;"',13+1!3 77 $'31 313+!3$ $ '
', '3 7', $$3 '', $$3 ',''< %!$ 3',
""'' 3', $!3 % '3'3"(';"7# ', "#
3'' ','37',
$$3 ';"% 1 3','$" 3','< %!$ # '7#!'7 7 ', 1$ $$#'7,3" ", +!3+ ' 313+( !!', ', "% '",% & 7 3"
3""!7', $!3 % '3'3"( ( ?, $!3 '",73! %!3$'3"'', ;
3'' "''
'"
73! ,!77 "% '"8( #'''', ;
3'' "''
'"
73! ,!77 "% '8($'
1 '3+', !! +'3"3', ;
3'' "''
'" ;, " 3'
'3+ ', "' '< 3 ', $!3
% '3'3"( ( ', %! 3+"7', % '3 ")7!!;3+3""# ";
7 3 ?8(
?7
(( 6
( C, ', 5#",%. 13;37 7!' 5 <",,2,!33 $$#'730# 3 ""#"'3 3 ' 1 ,3$#! $$3 ');,3$, '< %!$ # 3+ ', 3'
1 3+ 3+,' 7 (
B
(
( 3', 713!!+ = '#<'; "9 !"3 )5(/( 4 %# 5,#!).3"'
3$'9',3# ' ", +!3+ ' 313+ 7'
#$< 3+ +3"'
'38(4= & "% '8( 55( ( C, ', ', $!3 '" '3'! '$ % "'3D7"';,'
@' '7 ;, D55( ( C, ', ', $!3 % '3'33"' 3'3 ! D54( ( C, ', ', $!3 '",1 !$#""'3'73! ', % " '
% '3'3D54( ( C, ', ', $!3 % '3'33" 7 03 7 $ ""
% '3 "D54( ( C, ', ',3"?
#!,"0# 3"3$'3''
&', % '3'3D54( ( C, ', "% '8( ;"',!3+1!3 77 $'31 313+!3$ $ )37"3'" 77 $'D54( ( 4 !3 7( ( C3', ' ? 8( ? 7
(( ) ', !& 377 $ 3', 3""# "3";3', '', 7 $ " 3+
'3 "/,(5 <",,2,!33%!$ 7/ '(5#",%. 133 3""# 8( (
( ?, % '3 " ;
77 >#' %% '#3'3 " ' ! 13 $ 3"#%% '7', 3 "% $'31 $!3 "(
( 7'
, 3+ +# '") ', ' $$3 ' !3 "
?
#!)5'3! , 37'
'"', ?
#!!!; ', $!3 % '3'3"13 " % ' ; "' (( $ % "'37 4"() )B;3',3'
"'EF% # 7 ', ' 7', $!3
% '3'3'3!! !3G'3;"; 3$!3 % '3'3 3+ ?
8(
?7
(( '$!3 '")%& ! &!!', "% '"03'!& " 1 !!&$ % "'374"())B;3',3'
"'EF%
# 7 ', ' 7', $!3 % '3'3'3!! !3G'3 "3 "$"'"7 ', % '3'3;"; 3$!3 % '3'3 3+ ?8( ?7
(( '$!3 '"B% '3'3 ")%& ! &!!', "% '"03'!& " 1 !!&(?, 3;,3$,', $ % "'33"' %% '3
'; ', $!3 '"3 ',', $!3 % '3'3"3"!"+31 3',
; "(
( ?, "% ' 8( 3"# $ $ %& 7# ', % "'3"; 3 ',', $!3 % '3'3"' ,3+, "3 ,"$,!! + ', " &;&773!3+';" % ' %% !"3( ( 8(7 ;3', '$ % "'3; 3 ?
8(
?7
(( 8( 7 ;3', '', % "'3; 3 ?8( ?7
(( (
( /3 3! !&)', $!3 '"733+', $ % "'3; '
!;
"3 ,73! ';" % ' %% !"3( (8( 7 ;3', '', $ % "'3; 3 ?8(
?7
(( 8( 7 ;3', '', $ % "'3; 3
?8( ?7
(( (
( 8'3$ " 7 ', %% !" ;
3""# ' ', "% $'31
"% '");,%#'3%% $ ', #+,$#" !(
( ,1 , ! $#" !7 ', % '3 " "3 "+3+ ', #+,', (
( ' & '3 , ','', ?
#!3 ?8(
?7
(( '<3+3'13 ;', & ;3' ""$$#'7', $$3 ' % 13 &C 40312,!3C . ",2# $"3 3+ ', 4!+ 3+', $$3 '"H@($%&7%"'
'
% '7/,(5 <",,2,!3"H@(', 7$'',' "% '
8( ,'%% '
#'', 13 $ #$ &', $!3 '" '"#%% '', 1 "37"#$, "% '" '#%3', ;
3'' "''
') , '# 733+','$$3 '3;,3$,', $ " ,!"'', 3
!31 ",'< %!$ $$#'7 ", +!3+ ' 313+7', 77 3+'
#$< & "% '8( 413 /3+,(?,3"733+;"'
$,!! + &! $#" !7 ', %% !!'A3"# $ $ %& # 3+', $# " 7 +# '", ,"$73 ,3" +# '";3',
'>#'# 7$ % "'3; (
( ?,#+, ! $#" ! 7 ', %% !!' A 3"# $ %&,"'
3 ' #3!'#% +# '','', $ % "'3; ', ?
#!3 ',', $!3 % '3'3"3",3+, "3 #''73
&" !73+
'3',' (4', 73
3'3', +# '"
1$ & ! $#" ! 7 ', %% !!'"B$!3 '" ',' ', % "'3; 3"', !;
"3 (
( 3 "'!&'<3+#%', $ % "'3; &', ?
#!
3 ?8(
?7
(( $$#'7 ',7/ '(5#",%. 13(
( "% ', $" 7', $!3 '")", ;"+ & "
#3+ #'3># 3, ,#" # ', "'&! 7 B"5#",% 9#'3># ) 8 !) 3+ 4"( )B % ',( ?, ?
#! ,"
"
1 ',' ', ;" 733' % 7 3+ 3$ 7 ', $ " #'',
3+'1 3#"0#+ '";, 33';" "
1 ',' ', ,#" ;37 "3 " % 7
3+ , '
3! #'3 " !" % 7
#!'37 3#" "
13$ "3$!#3+ +3+', '3 7 3!& 773 "'<3+$ 7, ,#"
$,3! ;,3$,3$!#3+$<3+ 77);",3+7$!', ")', 7 )', '3!3$ 7', $ " 3',3"$" ;""" "" ' 4"() B% ',( ( *; 1 )73','', 3$ """ "" ' ',
!;
"3 (8# '); "$'
#' '', 7 3!& &3+ ,#" ,!$, "3$!#3+$<3+)$! 3+#' "3!");",3+$!', " +3+', ,#" ,!773 "3'3"3773$#!''>#'37&"#$, "
13$ " & ,#" ,! !& ' ', 7 3!&) ,; 1 )
" ! #'3"' '< 3',' (
!)', % @ # ', 1!#' ', $'
#'37,#" ,!;37 '4"()B%
',(';"$$3 ');,3$,'<%!$ 3 (0#+ '
%"" & 3' 9 $, '3'!
" " # $
% '
(" )
*+*) ', '3!3$ 7 ,#" ;37 ;"'< ' 4"()B 3'3;" '; "7#'# % "% $'"(', 7 ,13+'3'! # ,
-
.
$3
(( & 3' 9 $,7', # ')', '3!3$ 7 ,#" ;37 ;""" "" ' 4"() B% ',( 7 ,13+'3'! "
/
0&"
$3 ( ( & 3' 9 $,7', # ')', '3!
3$ 7,#" ;37 ;""" "" ' 4"()B% ',(
( 2 %3+313 ;', 7$'"$3 $# "'$ "7', $" )', + 7', $ " )73','3';#! % % %% % 3' 37', '3! 3$ 7 ', $ " / '(5#",% . 13 3" '< '
4"()B% ',( ( ?, ?
#! ," 3+,'!& #$' B 7 ', '3!
3$ '; "% "!!313+ @% " "7', $ " (',';&)
', $'
#'37', $ " / '(5#",%. 13'; "', $!3 '"
" #' ' 4"()B A ( ?, #!
$'
#'3B % $&$ "#''4"()B @ ( ( ?, ?
#!,"'< ', + 7', $ " / '(5#",% . 13' & "" '
3, %"'
'
% '"H@( ('
73&7#!'3%% $,7', ?
#!33+"(?, #!'3%!3 7 ," $
$'!&%%!3 &', ?
#!(.3+','', $ % "'3 "#'' 4"() )B @( ( ?, ?
#! ," ' ; & #' '; "
$1 '3! , "( *; 1 ) " % ', !' "' 0#+ ' "
$
% '
1 1-)
.,, 2
34! 56 +5 7 2
83 47) ', $!3 '" ' + ' "# 74"()B3''!# ', , !""7$" '3# (?, $!3 '" 7# ', '3'! '+ '4"( )B " 7# ! @% " " 4"( )B 7 !"" 7 "'' ( ?, ''!
% "'3$ "#'' 4"() )B 4"( II I ( ( ?, ?
#!,"; $ % "'374"() )B( ( ',3" ;&) ', ,$ #' $ " #' '
4"( ))B (?, ', '
"$3'3"
+31 3', !3 7$!#" ",!!%%!&'', ,$ #'"; !!( ( 8;$ 3+'', $ % "'3; 3 ?8( ?
7
(( $$#'7 ',7/,(5 <",,2,!3( ( ',3" $" ' "' !3", ', 3$ 7 ', $ " "
4"( )B% ',)', $!3 '",1 @ 3 . ",2# ) $$#''7 B" !,?
"% ' %&) !,);,% #$ $# '"H@( '(?, ?
#!," 0 $' ,3"' "'3 &7 ',
"',', ,'
#+,'&#', 3'&! ''
' %" ,!77 ', $ %&;"'3%"" ""37&+
' 3+ ! "3+#'', $ %&371# 7', $ " ( ( &$"3 13 ;)"#$,%% $,7', ?
#!;"
'% % ('," $"3"' '$" 7', $!3 '" 3+,'7 ',
+33+"%! 3', $!3 % '3'33'" !7',' $ " ;" #3+ '
"% '$ %&! " 3+4"( )B% ',(?, &, @ 3 ;3' "";3', '% 1 ','7$'3( (. ",2#
; <3+"$$#'';3', B" !,?
"% ' %&) !,( ,3" 77313' H@(C B ) , , $' ',' , #" ' 3'3 $$#' <"77 B" !,?
"% ' %&) !,33!&
#'3 "#$,$ %&,'; #" "13 +3"'
'38(59
59 5 <",,2,!3 $ " ,'< ',"
#" "! " ;( (7( (( #" '%!&', " $'
!', 773 "7', $ %&(?, ;3' "",7# ', "'' ',', ,
#+,'
$$#' <"7', $ %&7 ', % 37 A % % 3+', !$ ", '")$%&7;,3$,;
H@( 'H@(( * "'' ',' ', $ %& #" ' %& 4"( )B % ', "
3""3'5 <",,2,!3(* ,% 1 $%&7$ '373$' "
"H@('H@((,3"$ "" @ 3'3), $#!' ",''
&%3'(?, $" 7', $!3 '"#!&% 1 7 ', !' "'3 &
7C . ",2# $# '% 1 &,3 (8 13 $ 3
#''!, #$ &', "% '"(?, ?
#!$! !&7 !!3
3"" ""3+', '3!3$ 7 $ " 5 <",,2,!3 "4"()B;, #+,$+ '$13$3+ 13 $ , #$ &', $!3 '"'% 1 ,3"1$'3$'#!3$ ( ( ?, 7 )'< ', 3$ 7', $ " /,(5 <", ,2,!3' 4"( )B(?, ?
#!," 3+,'!&'< ', + 7 $ " ' & "313 ;7,3""#$,+ '
3,3"%"'
'
% 'H@((?, 7 )3'3'; "7#'# % "% $'"3"'
(?, ?
#!," 3+,'!& #$'37 B '; "% "!
@% " "(?,#"', ',!& % $&7', $!3 '"$ "#'' 4"()B
A ( ?, #! % $& $ " #' ' 4"()B @ ( ( 2 %3+313 ;', + 7', $ " ' & ")', ?
#!," 3+,'!&#" #!'3%!3 7(.3+','', $ % "'3 "#'' 4"() )B @( ( J ', $1 '3!, "3( (!1 77 $'3 7# ! @% " ")', ?
#!,"; 4"()B# $,, ' ', $!3 '"( ( *; 1 ) " % ', !' "' 0#+ ' " $
% '
1 1-)
"#% )', $!3 '" ' + ' "# 74"()B3''!# ', , !""7$" '3# (?, $!3 '" 7# ', '3'! '+ '4"( )B " 7# ! @% " " 4"( )B 7 !"" 7 "'' ( ?, ''!
% "'3$ "#'' 4"())B 4"() )II
I ( ( ?, ?
#!,"; $ % "'374"())B( ( ',3";&)', ,$ #'$ "#''4"())B
))))(?, ', '
"$3'3"+31 3', !3 7 $!#" ",!!%%!&'', ,$ #'"; !!( ( C3',', " 373$'3") "*0 !! 73! ,!77', $!3 '""'!!; % '!&( ( " ># '!&) 73! ,!77', 3"# $ $ %&"'3"
3"" ( /3$ "*0 !! 73! ,!7 7', $!3 '""'!!; % '!& 73! ,!77', 3"# $ $ %&"'3"
3"" )',
3"$ !! #"%%!3$'3 ")37&"'3"%" 7$$ 3+!&( (( ,/, 23$#3$44$")%*$05)6$"7(*8 + $)5% 23$#3$44$6%4#"9:$ + $)5%