Shri Ram General Insurance Company Ltd v. Shikla & ORS
!"#!$%&%"'()) *+,%- "-0'12 3) 400!..' 5!,&/& *+%6.'3" +!,& 4)!&0"'3!' &
!"#!$%&%"'()) *+%6..%&*+6%.'3" +!,& 400!..' & 5!,&/& ,5!!''3" +!,& 4)!&0"'3!' &
",-( "'78.! ,)/& %$!)*)9.% ,!&!' (
,):8%,*%';+<35"$ !#", +!00!..' %' '3,!&0"'3!' ")%' )
,)&+"6=+/8!,<35"$ !#", +!00!..' &%' '3#",$.%-' &,!&0"'3!' &%' ) >>> )*)9.%<) ,.
'3
) +%& ",3!, &+.. 3!$%3! '3 <& +!&-!,%&!"/ "# +!&-!?,3) ) ,1!,%' +!00!. #%.!381 +!'&/,'$!
"-0'1%&#",,!3/$ %"'"#$"-0!'& %"'"#&)<@<A?,3!3 " +!,!&0"'3!' &A$.%-' &%)!)?%3"?'3#"/,-%'",$+%.3,!'"#3!$!&!3 "/&# .%& -3%' ."'; ?% + %' !,!& B CD 0!, ''/-< 81 +!
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
"/, %'
! "
#$ $ %& '((&)' *D"# +!%'$"-!"# +!3!$!&!3 "/;+ "+5!8!!' 6!'%' "$$"/' #", +!0/,0"&!&"#;,' "##/ /,! 0,"&0!$ &%'& !3"#D<8!&%3!&&)26+?,3!3"'$$"/' "#."&& "# ."5! '3 ##!$ %"' ,! '" 3-%&&%8.! %' 5%!? "# +! 3!$%&%"' "# "'78.! +! */0,!-! "/, %' * %'3!, =/, B * ?%'3!, =/, 5&)
'% !3'3%'&/,'$! ")2 3)2?%'3!,"$3H@C)2!,'!3 $"/'&!.#/, +!,$"' !'3& + &)<<A?,3!3"'$$"/' "#."&&"# $"'&", %/- " +!?%3"?'3&)<A?,3!3"'$$"/' "##/'!,. !I0!'&!& ,! .&" .%8.! " 8! &$.!3 3"?' %' 5%!? "# +! 3!$%&%"' "# ) ) !,$"' ,<.!,'!3$"/'&!.#", +!00!..' &%' $"' !'3& + +!$"-0!'& %"'?,3!3%&.%8.! "8!!'+'$!381 6%';%' "$$"/' +!%'$"-!"# +!3!$!&!3B&)<A0!,-"' + &;%'& &)A 6!'%' "$$"/' 81 +!,%8/'.%'5%!?"# +! 3!$!&!38!%'; %.",810,"#!&&%"'8!&%3!&,/''%';;,"$!,1&+"0'3
EF +5%'; %'$"-! "# &)<A 0!, -"' +) 2!,'!3 $"/'&!. #/, +!, $"' !'3& + !$+"# +!#"/,$+%.3,!'"# +!3!$!&!3,!!' % .!3 "8! ?,3!3 &)<A !$+ "' $$"/' "# ."&& "# 0,!' . $"'&", %/-) "?!5!,<.!,'!3$"/'&!.+&'" 8!!'8.! "$"' ,"5!, +!& '3"# +! 00!..' %' + & 0!, +! '" %#%$ %"' /'3!, +!
%'%-/- 9;!& $ '3 & 00.%$8.! %' +! * ! "# ,1' #", !$!-8!,< < !-"./-!' & 018.! " ' /'&6%..!3 ?",6!, ?!,! &)@)A0!,-"' +)!+&.&"'" 8!!'8.! "$"' ,"5!, + & 0!,0,;,0+%%% "# +!3!$%&%"'%','1*! +%7&$&!&/0, <%' $&! "# &!.#!-0."1!3 0!,&"' 8!."? +! ;! "# 1!,&< D "# +! %'$"-! "# +! 3!$!&!3 %& " 8! 6!' %' " $$"/' #", +! 0/,0"&! "# ?",6%'; "/ #/ /,! 0,"&0!$ & #", ?,3 "# $"-0!'& %"') 2!,'!3 $"/'&!. +& .&" '" 8!!' 8.! " $"' ,"5!, +! & '3 "# +! .!,'!3 $"/'&!.#", +!00!..' %' + '"-"/' %&018.! "' $$"/' "# ."&& "# ."5! '3 ##!$ %"' %' 5%!? "# +! 3!$%&%"' "# "/, %'* ?%'3!,=/,7&$&!&/0, ",#", + - !, + "'.1 &)<A %& 018.! "' $$"/' "# ."&& "# &0"/&. $"'&", %/-8!&%3!&&)<A%&018.!"'$$"/' "##/'!,.!I0!'&!& '3.%6!-"/' "'$$"/' "#."&&"#!& !%'5%!?"# +!3!$%&%"'"# '3 ;-
")2 3)7&$&!&/0, ) ) 2!,'!3 $"/'&!. #", +! 00!..' A'&/,'$! "-0'1 #/, +!, $"' !'3& + '" !5%3!'$! ?+ &"!5!, ?& .!3 81 +! 00!..' &A$.%-' &%' "&+"? + +!3!$!&!3?& %.", ", + +! ?& ,/''%'; ;,"$!,1 &+"0 '3 + +! ?& !,'%'; &)<A 0!, -"' + '3 + %' +! $%,$/-& '$!&< & ",1 ?& $"'$"$ !3 81 +! 00!..' &A$.%-' & %' " !I ,$
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
/. %0.%!,00.%!3 )
"-0!'& %"' ?,3!3 @G@IIJ <@<A GII J <G< @) 2"5!'3##!$ %"' &)<<A %. G) 2"&&"# "'&", %/- &)<<A &)<A " !$+ "# +! 00!..' & %' %)!)I J<<A C) /'!,. I0!'&!& &)<A &)<A ) 2"&&"# & ! %. &)<A ) ' !,!& CD0!,''/- CD0!,''/- " . &)<@<A &)<<A
EF C) $$",3%';.1< %' +! .%;+ "# +! 0"&% %"' '" !3 8"5!< +! 00!. #%.!3 81 +! '&/,'$! "-0'1 %& .."?!3 ?+%.! +! 00!. #%.!3 81 +! 00!..' &A$.%-' & %& 0, .1.."?!3)?,3%&-"3%#%!3 " +!!I !' '" !38"5!) &+ # , ' -. )) ,:!&+ 9+! +!,&0!6%';A,!&"'!3 ( !&A" 9+! +!,,!0", 8.! ( !&A"