United India Insurance Company Ltd v. Manpreet Kaur And ORS
! "# $"%#&
% !#
%'( %()*+,
- "+(. +.' +*/0'+)( 1. '+20((3'/0'+.(0*
!"#$ %#& ''((
)&!"#$ %#& # *# $#+ '#"# ,#- #%# '#"#. ////
!0 (1")23 & '' ( & '%" 4 & ''(( * 1 $ #2'
4! 2(4! ""
1 $#2'
4"
)&1")2
"5 ""
",6,,78,9'
#:,#%78,6 4&## $$ "(
2 (!
)10& %%"# & (3! 4 5& $&& (! %&#("
)& & "5 1(#% & )( ) "
) #%& #%%"
) & $( " 4
" ;1' ! '#"#,*0 %#& (3!& &("& &$(
5#1(" ("%# 12#% ,<!87!888+* 45 4#%$#2' # (#)5 & =<->' 12# $ ($1( "%#2&"
#%% )#%&$(
2' ((& $1 ( ?
##%& "" 2#1
&#% $ 5& $&5#1(" $ 4%#$# ##%& "12 " 1"* &$(
* '@ 1 "#& % ("&$(
2' 1" #,..#%&##& $( $!,A::0& %%"#
&$3%#) #%$#2' ##% 7-!88!888+*# $$#1#%" &#% # B&
)&!5&# )" #17A4 & 2#% "!
2##& $1( " "& #688:78,6! B&
)&0 $ "$ "3 (#)5 & B& @& !&
)&0$(
#- &$(
' #3 " 2
)&5)# )# %#5#B $ B& @& 5##2##$4$(5& &
)& " 2
)& 5# #&2##$4$(&2##$4$(#%&"$ "5 )# ) & #%&2##$4$(#%&
)&C&&4 $&" # & B&
#1<68! &#( ) ) ##*79*@*7777 0& %%"# D&#%%"
)& $(E3$ 2 1""(4%#21"&
"" 4 '#"#, & ")( )2 "$#(( ""5 & &2##$4$(#%&"$ "%#2&5#) " 1(#%5& $&! #& &#$$1'
#%&2##$4$(%(("#5#&# " " 1
"21( '( ) #1 1 # & ' # &4 5 22"
(4 B #
# '
(! %# 2 1# $& )&&# '
(! 1"* B&
)& 1$$12 "#& 1 %1& " &$(
2' #& &
" "5 1(#% &!)( ) "$ ( "
)#% '#" #, 2 #% $(
#-*&
)&! F #.. "
"
688:78,65 (#")" #( $ #& B& !1" # 689* "97< #%"
(#" ( # " &$(
2' #& &"$ "
7A4 #% ) "5 G1 & ( "& 4 & 2#% (()"
" 5 B ((" 2 # " "# ) 5#B # $# $
%# $# 1$ )& " 1 ("
) "5 ) 7-!888+*'2#& '# 1$&$(
2&
) 2 "!# $ 5 1"#& '#" '# &#%! '#"#,! !&" "#5#% & #%%"
) & $( $# " & $(
2 ' # 4 % ) & 5
4 2'
%#22 )$
'( 4# # !& ( #" "&
" 4#%&"$ " ( #&% $& & )5 7A4 & 2#% & " "&5 B (("2 #$(
2"& &#%%"
)& $( $1 ((4# #(" & (()" " &F & (#")"# ( )#1" 2'( ) '#"#,45 4#% ( '( )! 5
"& &#%%"
)& $(5 1"5 & ""
1 $# " & 2#% (()" "!&%#! % %#1"& &
"##B'( $"1#"
)#% '#"#,! 5#1(" &"14#% & 1 $ #2'
4! ! '#" #70 & $(
2 ' #3 #
"2 %4& '#"#,
'#" #7* 1 $ #2'
4 ( # $# " & $(
' # 4% )5 2 ) (2# ( & #% '#" #,& %1& "& )&&#%%"
)& $(5 1"
&& 1 $#2'
4!!&(
4#%& 1 $#2'
4 (( #(4 &$ % '#"& &" 5 &#("
) " %%$ "
)( $$ & 2#% " " 5 # )'( $# ##%& 1 $'#( $42 "$#"
# 5(( &## & $( $ "& 1( & (!#&
#%
('( ) #%&'
!% 2"
%#((#5 ) 1 * D,C&& B&
)& ##%&
)&"
"# 688:78,6"1#& & ")( )"
)#%& $(! !$ )# *79@*7777 #" 4& '#"#,H 7C&&&$(
("%#$#2' #! % # #5& I "%#25H 6C&&&$(
2' # #2
( & ' %#2H
9 C&& & '#" #, 5 # &
) "
)( $$ & 2#% (()" "! % #!5& %%$H
-C&&&$ )# *79*@*7777 #&
)
"% $ "'2 & 2#% (()" "H
. ( %E #"# 1''#& $(
2!&$(
#,* '@ 1 I "& (% C*,!$(
#-*&
)&I " C*7!
$& )* &% (" 4&'#( $1" #,<6& I&
"
I7!$ "$#'4#% ''( #& I&
" I6 '
%#2#&"#$12 !&'# 2#2'#5& $&& I&
"
I:
'#"#,*
";1' !#&#&& "! ''" # &5 #I C*, " #1)&#$#"& ) # 0 3 #%&& $( I 7 ""1'( $#'4#%& 1 $'#( $4 I 6 $(# "& "$#& & (% & ""
( "$!$(
#,"" # "$ $#'4#%#" 4 " I: "$#'4#% "& " IA $(# "& ""
( "$ & (! % $# # #% & 2
( # $#"
$(1"
)& "$(" 4&'
" % %%#"
)#''#1 4#% & )#&2!"$ "" 1#, % #1#%&$(
&#("
)& &
"##B'( $"1# & ")( )"
)#% '#"#, & (! 5& ( "$ ) 1 #7! ##B & ) #% & "$ 7A4 "& 2#&(4 $#25 " .!888+*' 2#& " %$# )& ( 1"
('##1$2 $(1"
)
"$
##% # ( 1'2#1"" 5'06'7(08''+.0*9 %(6 0'+*20 020'+ '+. +(0:
- - 5 &
(% ((4&("& &$(
5#1(" ("%#$#2' ##%
12#% ,<!87!888+* (#)5 & =<->' 12 $!& 1 $#2'
4& '%"&' ''
) & 1")2 " 5 " #% & ( " & $(
0 '#" & 3 & '%" $# *# # B ) & $2#%& "" 2#1) " 4& ( & %#
" $B)#1"#%&% $1 (2 I!& & "
( "$#1 (%#&'
"& '1 "&$#" #%& $ "$#1 (%#& ''(( * 1 $#2'
4
( & 1")2 "5 "#"
)#1" $#"" & ) & $(
2 #% & $(
* '#" & &"$ "5 2 ## $#$&&5 5#B )#
(45 )
!&%#!1"&& "#%%11'# '$ !98>#%&
$#2 ("& """ && -8>5& $&& "# 4& ( %1&1)" 4( "$#1 (& ,!88!888+*&
""1"&& "#%(# #%$# # 125& $& &I$ "
&'I#1 '+'6 +*/0'+)( 82'+;1.7*$0'+';5('+.
(0*:
# # 96
-:& &("& #(4 98!888+* # ) "1" 1$&& "& !%#(# #%$ ")1 $! 7!88!888+* & ""5& $)&#& "# 5#%&"$
# #% # ( 'I #1 5'06' 7(08'<* )'*( */20' " $0'+'; 5(<* )'*(*/20' F1&!1"&& "#%%1 (I' ! 7-!888+*&
"" '( $#% ,-!888+*'
%#2& #! ( # 1 2 "& $(
#- )% &#%&"$ "$#1("#& $#1"
"'"%#&$ 4'1'#
=
& 1)"# & (%#%&$(
+$# * # $# & 2 # (" "# B (("' # "!&%#!
.!888+*'2#& $#2& 5#)(4 " 4& ( & (" & $2 & & ! ( # 1)" 4( "
$#1 ( %# & $# *# $# & &4 5#1(" (" %# 2# &
,!88!888+*5& $&& ""1"&& "#%(# #%$# # 12 #5! #% ''(( 1 2
#& $(
#- ) & "& )#%-74 #(4!$#1("#& B "'"!
'$
((4 5#%&# ##%&# ('I#1"" 5'06'7(08'<*)'*(*/20': '' # $ 1#"' $1 4! '' & & 15#1("# #%21$&( $%#& & %&
)& # B #$# # "'"!&
( "4%#1"'" #%&"$ " )& 5 "#5!2 #"
1)&!
# # "2#&!&%#!&""1$ #%#' # (I' ! 1$& ! '&5'06'7(08'<*)'*(*/20':$ #(4 #&I#%,+9& #%& $#2#%&"$ "5& $&& ( "4 "# 4& 5& ($ ($1( )&$#2' # 2#1#5!5&&&% &5#1("
("%#%
($# # 12##5#1(" "
$1 "( #
#% 7!88!888+*5& $&& "" 4& (# &$(
%#$ ")1 $ $#$"! 24#'
#! "$
##% &# 1 #$&#%# ('I#1"" $0'+';5(<* )'*(*/20' 122 ?
)&& " 1"5& $&$#2' #$ ) "!
& %#
"& ""# #% "'( $&%#! 24$# "" 5!
#& )$#1("& ""1" 1$&& " 4 (
#% %1 (I' $#$"!&'I#1& % I"
,-!888+*!&%#!& ( ("#& ) " 7-!888+*
& ("& ) "#(4 ,-!888+* #5! & 2 2! "# # '' & 4& )&
) "1"& 1 *& "#%(# #% 1"$# (& 5& $& (" ,-!888+* $$#"
)#& %#
""$
##%# ( 'I#1&1 !& 2#15#1("& # """
# % (# #%$# # 12 $#$"!&'I #1
!" # "$$$& &("& & &$ )# 1" 5& $&&$(
5#1(" ("%#$# # 12#% 98!888+*F 5#1(" '#1 ($# # 12!5& $&5#1("
(#& '#1 #%& "$ " $#"5#1(" %
($# # 12!5& $&5#1("
(#& $ #%" &#%& $& (" "&& "5#1(" (# #%'
$# # 12%#5& $& (25#1(" #%& # #"
1)& #%& "$ "5&#& (# & '
###%&'
2##& $1(
" & 1")2 & "" 4 & 'I #1 % $# ##%& 1")2#%# 1 #$&"" $0'+';5(<* )'*(*/20' &1 ! 24 5!$(
#9 "-5#1(" ("%#
($# # 12! "$(
#,5#1(" ("%# '#1 ($# #
"$(
#7 "65#1(" ("%#'
($# # 12 &IG1 #5& $& &
$# *#
) "
)& 2#% $#2#%&"$ " $#"" 4( "$#1 (%#&$(
+$# *# $# & &"$ " ) # (" $# "" B (("( #15& $& & #''# " 4( "$#1 ( '' )%#& ''(( * 1 $ #2'
4$$#"
)#5! !&$ $# "" 2 * B (("
' # '' # $#$24 5!&"$ $#1("
$# "" 2 * B (("' ## )&"$ "# 2 * B (("
#1 5(( $# )&& $" #%&2 2125 ) &
#%1
1" "# #"
",-8678,6!&"
#% " )688:78,6!&& $" %# 2 * B (("' #5 .!9<-+*' 2#& 24#'
#!#1"
) #%!& $#2#%&"$ "$
" .-88+*'2#& $$#"
)(4! 5 #% & %#
" "
$1 # " % ) $#"" 4& #1!&5 "#%& ( " 2#"
" 42 ) %#((#5 )$ ($1( #* 50 ('.*
82(+*'+'0.(.
, 1 ($#2
.-88J,7K <:!888+* 7 "" 98> #5 "
%11'# '$
6,!788+*0 98> #% & $#23 <:!888L 6,!7883K ,!8A!788+* 6
"1$ 0,+9&3 #5 "
' # I'
,!8A!788*7<!688K:,!A88+* 9 # ($#2
:,!A88+* - #2' # % 21( '( #% ,<
''( "
:,!A88J,<K,6!A7!688+* . # #% '#1 (!
( " %
$# # 12
7!88!888+*0 98!888+* $&'
(#$(
* '#"#,%# '#1 ($# # 12!$(
* '#" #7M6%#'
($# # 12 $(
* '#" # 9 " - %# %
$# # 123 < F1 (I'
,-!888+* : # #%
,-!888+*
'6 82(+*'+ #* =::4
> 24#'
#&$(
5#1(" ("%#& %#
2#1 && $" #% =A>' 12# $ ($1( "%#2 &"
#%% )#%&$(
2' # ((&"
#%'
)#%&5 " #5!&#&% ) #%& (! !#&& "
$1 " #!
- 2
$ & 1(!& '' ( "# *
# #& ((#5" #&I " ##5!&5#1(" ##" # $# %##7 # "%!
798<78,A
?((0*2('@+A>0('*+(.B&(*> ?((00(20'C6(B &(*>