High Court of Punjab and HaryanaFAO/3261/2015dismissed

National Insurance Company v. Balbir Singh And ORS

2015-05-11Mr Justice Rakesh Kumar Garg5 pages

!" #"$%&%'

!%' ('&)* '$"+, '- ,,"(( '! ."*&)& (/%*0%'12 '#!2"*& "&,'#"'!&

32"!2"*",*!"*& 4$ ("5&, ,"*&+ -/" ((5"#! &""!2"6)#1+"'!7 /"*"

"**"#!!2"",*!"*&*'!7 32"!2"*!2"6)#1+"'!&2)(#/"*",*!"#%'!2"%1"&!7 *"&"'!8 & '6)*%"2*)9 )(:#.$ !" *!2" ,,"(( '! 2%& %& ' ,," (#%*"$!"#/- !%' ( '&)* '$"+, '- 1 %'&!!2"5 *## !"#

, &&"#/-02*%03 #25 : !* $$%#"'!( %+&*%/)' (:2%5 '%.%#"52%$2!2"$( %+,"!%!%'2 &/""' , *!(- $$",!"# '# &)+ & :

;<2 ."/""' ((5"# *%"

(-&! !"# (/%*0%'122)&/ '#:0 '#"",:*6)' '#2%+ /"%'1&'& 0 ($2' 2 ." %("#$( %+,"!%!%')'#"*0"$!%'

!2" !* ="2%$("& $! $( %+%'1 $+,"'& !%' ! !2" !)'"

& :

;<' $$)'! #" !2 0+!0%($2 ' %' +!*."2%$)( * $$%#"'!!%&,(" #"#!2 !'

! /)!

;

,+:0+! 0%($2 ' 5% " (/%*0%'12*"&%#"'! 2 '% 2 // !,)*%&!*%$!

%& *5"'!!!2"+ *>"!!,)*$2 &"&+"$(!2"& *2"*'",2"5' +!*$-$("2" *%'1*"1%&!* !%' ?;

@ ('15%!2 +"&2&'

"!* +: &2"*/*!2"*2 #$+"!! >"2"*%'!2", *"'! (2+"2"* # 5 &&(%,,"*-#)"!* %' '#52"'!2"+!*$-$("*" $2"#/"2%'# %2 * ! )+ $!*-:!2"!-*" !2"+!*$-$("&(%,,"##)"!5"!* # '##)" !!2%&:& %#0%($2 ' &)

"*"#%'6)*%"&'2"*2" # '#!2"*.%! (, *!&

2"*/#-02"5 &1! #+%!!"#%'=9")*>"'#* :%& * *!*" !+"'!

'#&2"*"+ %'"# #+%!!"#!2"*"!%((

2"*"

!"*:&2"5 &&2% !"#! 0 *.# - &,%! (:%& */)!&2"&)$$)+/"#!!2"%'6)*%"&'?

# !"#?

5 &*"1%&!"*"# !(%$"0! !%'0%5 '% '#%:

%&!*%$!2%5 '%!%& (("1"#!2 !&

;<5"*"&,"'!'!2"!*" !+"'!

'# &?:

;< 5"*" &,"'! ' !2" !* '&,*! !%' '# ( &! *%!"& !2"

#"$" &"#0%($2 ' 02"5 &@-" *& 1" '#5 &,&!"# &2"(,"*%'

'1 '5 *% '#" *'"#&

;<,"*+'!2 && ( *- ' ,)! ! '!%$" *"&,'#"'!& ,," *"# '# %("# &", * !"

5*%!!"' &! !"+"'!& "&,'#"'! %' 2%& 5*%!!"' &! !"+"'! !> ,*"(%+%' *-/6"$!%'&!2 !,"!%!%'%&'!+ %'! %' /(":!2"$( %+ '!&2 ." '$ )&" $!%'A!2","!%!%'%&/ # *+%&6%'#"* '#''6%'#"*

'"$"&& *- , *!%"& "&,'#"'! (("1"# !2 ! 2" 5 & '! ! (( *"&,'&%/(" *!2" $$%#"'! &!2"* #5 &&(%,,"*-#)"!* %'-5 !"* '# !2"!-*" !2"+!*<$-$("&(%,,"#5%!2)! '- )(! !2" '&5"*%'1 *"&,'#"'! 2" +!* $-$(" %' B)"&!%' /" *%'1 *"1%&!* !%' ?;

@5 &%'&)*"#5%!2 !%' ('&)* '$"+, '- C "&,'#"'! %("#&", * !"5*%!!"'&! !"+"'! '# (("1"#

!2 !,"!%!%'%&'!+ %'! %' /(" &!2"#*%."*5 &'!2(#%'1 . (%##*%.%'1 (%$"'$":!2"*"

*":!2"$+, '-%&'!(% /("!, -!2" +)'! &!2"!"*+& '#$'#%!%'&2 ."'!/""' )( %(("#!%& )*!2"*&)/+%!!"#!2 !!2"*"%& $(()&%' /"!5""' !2" $( %+ '!& '# *"&,'#"'!& '# : & !2"

'&)* '$"$+, '-,* -"# *#%&+%&& ( ,"!%!%'5%!2&,"$% ($&!& *+ !2" ,(" #%'1& !2" , *!%"&: ((5%'1 %&&)"& 5"*"

* +"#8<

32"!2"*!2" $$%#"'!$$)**"#'

! /)!

;

,+:*"&)(!%'1%'!#" !2 0%($2' 5% " (/%*0%'12:!>,( $"#)"!* &2 '#'"1(%1"'! #*%.%'1 *"&,'#"'!' 52%("#*%.%'1!2"+!*$-$(" /" *%'1*"1%&!* !%''< ?;

@7 %&&)"' %&,*."#:52"!2"*!2","!%!%'"*%&"'!%!("# !$+,"'& !%':% &!52 ! +)'! '# *+52+7 32"!2"*!2"*"&,'#"'!' 5 &'!2(#%'1 . (%# '# "

"$!%."#*%.%'1(%$"'$"'!2"# !" (("1"# $$%#"'!7 <

C 32"!2"*!2"%'&)*"#2 &.%( !"#!2"!"*+& '# $'#%!%'& '&)* '$",(%$-7< 32"!2"*!2","!%!%'%&'!+ %'! %' /("%'!2",*"&"'! *+7

32"!2"*!2","!%!%'%&/ # *''6%'#"* '#+%&6%'#"* '"$"&& *-, *!%"&7 ? "(%"

'*#"*!,*."!2"%*$( %+&:$( %+ '! (/%*0%'122%+&"(

2 & ,," *"# &3 '# (&"D +%'"#2 * +, ( &3< :*0 '#"",:

"#%$ (

%$"* &3< '#$(&"#!2"".%#"'$"'!2"!2"*2 '#: *"&,'#"'!&"D +%'"# +"&29)+ * &3< '# !"*!"'#"*%'1$"*! %'

#$)+"'!&$(&"#!2"".%#"'$"

? 2"(" *'"#*%/)' ( !"* ,,* %& ( !2"".%#"'$" $$",!"# !2"$( %+,"!%!%' '# ((5"# &)+ & :

;<2"%'$+"

#"$" &"#5 & &&"&&"# &&

;<,"*+'!2 '# E !2"%'$+"5 & ##"#%'*"&,"$! )!)*",*&,"$!)& '# ;C!2 +)'!5 &#"#)$!"# %'

*"&,"$! ,"*&' ("D,"'&"& 2"+)(!%,(%"* 5 & ,,(%"# '!2%& + ''"*:!2" +)'!$ ($)( !"#5 && @ F&:

;<'!2"* &)+ &

;< &$'&*!%)+ '#& :

;<' $$)'! ( &!

*%!"& '#!* '&,*! !%'"!$5 & 5 *#"#'!2%&+ ''"*!! ( +)'!

& :

;<2 &/""' 5 *#"#2"& %# 5 *#2 &/""'$2 (("'1"#/-!2" '&)* '$"+, '-/"

*"!2%&)*! @ 2 ."2" *#(" '"#$)'&"( *!2"'&)* '$"+, '- '# 2 ."1'"!2*)12!2", ,"*/> G 2"'(-,%'!)*1"#/"

*"!2%&)*!%&*"1 *#%'1B) '!)+

$+,"'& !%'5"."*:$)'&"( *!2" ,,"(( '!$)(#'!,%'!)! '- "***%'$ ($)( !%'1!2" +)'!2" *(% +"'!%'%!&5%&#+2 &"' $!"#

!*="2%$("&$!!,*.%#"&,""#-*"(%"

!* #.%$!%+&"$2'%$ (%!%"& $ ''!$+"%'5 -!%+, *!!2"6)&!%$" *" +)'!$ '/"1* '!"# )'#"*0"$!%'

< !2" !*="2%$("&$!%'.%"5 . *%)&#"$%&%'& 'H/("!2","D)*!

0:&""'+"*%!%'!2",*"&"'! ,," ( '#!2"& +"&! '#& #%&+%&&"#%'(%+%'"

2" +)'! & :

;<#",&%!"#/-!2" ,,"(( '!&2 ((/"

*"+%!!"#!!2"*%/)' ( *#%&/)*&"+"'!!$( %+ '!&%' $$*# '$"5%!2 ( 5

$,- !2%&6)#1+"'!/"&"'!!!2"!*% ()*! *&!*%$!

$+,(% '$"