Shri Ram General Insurance Company Ltd v. Sunita Devi And ORS
! "# $$ % &'()* '+"!,'"
)-"./$ $$$-- ++" '!,!
&)$&," 1" '!
$$$( "!
2'
"# '$(34'&"561
-- ++"$ '$0"
7$7"+61
'$!+861
''
!$ ": '
'!$ ;;;;
'!: +)"!&)$&," 165 ,< .
'!= '"&$&)! '&"565 ,<.
'!=
,8 &"56","
'," 1 )
'
! "4'
,5 +) ","
'&
'0 + ! 5"!'
"!
$ $ +8' &"5 = '1 ' " "
' ! ++ ! &' () * '+ "!,'"
)-"./$"!,'
>< 4 '"5'
5!' "9 $?( << " ' '
!
""5 1 + 6 +)"5
)- "! " ,"
(!$ + !$ !-
+)"!6 $%$ ,8 &"5!-++ "'"5) ' . + '"5'
5!' "9 $?( @ @
!4 "5'1 "4."+7,)'!
() !7,)'A .
5 "5 )1++5 7,'" '!7+A !1 + !
"5
++ 4. (3" 9'+6 ! +!
-'
"5 '!
7+! A ' . + " ,8 '&"5=
!-++ "'"56!4 "5'1 ""
')+!-
4."+7,)' !+
"!
A ' . + "
' .
7+") !4 ,<# -$)$6" "+
""5 + ) ) -- ! ! "5'1 "1 '. !!-
"
"'!""
5+5 ")""
'4.'
=+8'&"5"4.
"5 "'
"5! 6!', 85"! ' . + "5'1 "4."+ 7,)'6 " ,8 '&"5!-++ "'"5A'
!,+"+.4
' '!
++ "A(3"9'+6 !'1"5) ' . + '"5 5!' "9 $?( @%<+!
++ "A'
)!,
),+-+ !
' ,!"5' ,!"3,' !A++ "3,'
!
1+?
!-+67+6 '68
-"5"1 !
' ,! "
,8 '&"56 !'
2*6"5'"+ "5 8 6 .A"(9 $ $%$
!,"
'& "!%6" <2!'
5! 5' "2 + & ".67+5"!'
" =+8'&"5$ '"5
+)"!6
,8 &"5!5 , .
'! )
! " !
"A ! "5, " '8"! +-"5! '"!
'8$ (3"9'+6 !,
"3,' !" "
+!
!
-' +)- "$&"
+)- "!'
,
!) "6 . "!
+ 6 ' "
'4. ' "+)!>'4,"+67+$ "5 "5"
64 "!-- '
"
' !
-' ' " ! "!$ !!, ! ") '! ') $ >
-' !
B, -- '," ! + ' '"5 '5,) "!6 4 +) - "!
++ 4. ' "!+)!>'4,"+67+" )- "!
(!$ 6@6 :" ! '
%C- '"",) )
+"5
- "++ +D
) ,"!'
+)"!" +)- "4 '"59 $@%
< 4. +)"!
&)$&,""&$&)! '&"56-.4+ 4.4 "!
"+."!
'++.$
+"555' !'-!!
" +)- '"59 $@%
<6 $="!,'"
)-".!
" -- + 4
! ,'6 "
! 51 "
"!$( "!9 "= +)"!1 -,"-- '"
'
,5 ,"!
+ " '
"! !
8"5 ""
"
)- "! "$ 1 '+ '"
,"!
+
-' !4 ! !5 "5 '
,5
'$ / '"
>'4,"+ 8
-"5 " 1 ! "
' ,)!"
!
"+5
1+4+
! " +,! "'
=+8'&"5!
,
"4.!'!""
5+5 "'1"5
""5
< + $> !!- ""54. >'4,"+"'
5'+
"5!!, 9 $> ,5 -+
"'4, '."
5+5 !
'!
"4 +
"!6 '6 >'4,"+'
!-+ " ""5 2E (3" 9'+6 !,
"3,' !" "-'
,+'1 '!
)!- ++.!"5 "! ,!
4.
""51 + 4.
"5 '
"5!
" !"
++
' . + ! "5'1 ""'!""
5+5 ")""
'$>
"" "1" "5 4'
,5 +)"! -'
' !
!1',++.5 ,"'
4, $"+.+8'&"5='
"6 !'1"5
""51 + + 1") ,+
5'"5 )""
""!. !"
"'
+.
4+)
""!
4+) !'
B,'
-, '1 '!
++ ' . + !+!
$,
'!
!'"5 "!6
+!.
! --"5" "
!!4 F" "'
5'$>
"!,'"
)-". "!-'6!"
+ ". "'
$ > ("! !
'
5' "!'
5! 5"! +8'&"5" !4
"!
",- '+" ,' " ,"$>
6 >'4,"+!'5+. ) " +,! " ""
!,
"3,' !6 !, ,)4 4
" ,!
, '!""
5+5 "'1"5
""51 + 4.'
=+8'&"5""
"'4, '. "
5+5 ! , 4 $ >
6 ,"
'
' ,)!"
! B, ! " '"+7,)'6 !'1"5 ++
' . + !1"5+ 5+"1+'1"5+
+ 1")
!"
''.), !5" "
)"5 B,",) -'$ > >'4,"+ +
"5!!, 9 $! 4!
'1
,8 '&"5! !, "
$ )"+.
'"!5 , .
'!$> +)"!
" +)- "9 $@%
<!,4)
!
"5 , " '8 " ! +-"5 ! ' 4, "
" "
"1" "5 "'
5'!-'
, $9 !, " )5 1 4
" 8"5 , "! )
! F)"
$ 9
,) "'. "'
!4'
,5 $> !
"5
' !
! ,++.!!!"5!
'"! '8$> >'4,"+! 4!
'1 '-!!"5$
F)" "6 ,+1
""- ! " '8!!
)!8++
'8 '6 4.!!
!!"5!) "+."
(!$6 :$>!
5,'
!!-, -- ++""-- +!
8"5!'
, ""
'!: +)"!" '
"!!
8"5! ""
"$ ?
'6 " !"
" )8 ". '" '
)) ,"+ !!
!!"5"
$ / '"
,"!
+
' '
'!! '
3,5) "" !
+
+1 4. '" "
!
,'"< <
$
$ @$" !
>'4,"+8 ""
6 !5 , @ .
'! )
! " ""!!, "
$ 2' "!3 "
"!,
' ,"" )-+ !
' ,"" ,'!
(!$ 6 :- ') "$?
'6
"!3,5) "
! +-
'
'!!"
"
"!" !
6
!!, "
$ )"+G '6
" 3,5) "'
!!, "
$ )2' ""
" 3 "
"!,
' ,""
)-+ !' ,"" ,'!
$!
''
"6
>'4,"+ 4!
'1 '5', "" )-+
$$6
,+1
'""5), ) ," !! ""
4 ! 4 ,- '!
)-+ "55', "" )) $E!
)"..
,"5 '!
"! 1"5 5', " " '!6 )) " &
)""5,"
)-+ .
6 ,+"
4 -', " 8 "
$ )!, " "(!$6 :- ') "$>
6 "
"-'
' "
5,'
(!$6 :!
8 "$ > >'4,"+! C
!) ," '! ,,'
-'
!4, "! '"5 5
"'
, '.
!
"#$%&'(&) ($##*! "
< C!'
B,'
) "5 "+."
!8 "!(!$6 H < I(!$@6< :$ " ')!
'
, '. +
, ! "##*&-( &) (%%
!4 + '" +)"!'
-'
"!6 ,
++ !
"-'" -+ ""
')++. ! , !- '!
"+"+1"5 F- "!
!$ "5 " .
+)"! ! , (!$<6 :- ') "6"",+ " .
, (!$<6 F I(!$ 6< :$
> >'4,"+!,!
),+-+
@6 8
-"5"
5
!4
"-'
'+.,!
$ "5
)- "! "-.4+ ! , (!$ 6< F @I%6 6 :$ > >'4,"+ ! '
,' ' )- "! "
(!$ 6 : +)"!! ,"
'+ F- "!
!"(!$ 6 :
+)"!
'+ !!
+ "
"$?
'6"1
'
, '.
!,-'6 +)"!'
"+ 5 )- "! ","
"1 " "+ ! $ $ (!$
6 : " ,"
+ !!
! "
(!$
6 : ! ,"
'+ F- "!
!6 + (!$ 6 :$ >,!6 +
)- "! ! , (!$%6 6 H 6 I%66 :$ > >'4,"+ ! '
"5+. '
)- "! "
(!$ 6@6 :$ > !) ! '
, (!$%66 :$ > +)"!
,+4 "+ 5 " !J$ C- '"",) )
+"5
+)- "++ ,+'
+D ) ,"
(!$%66 :$ ' ')!" " "!" '5"+'!++'
)" !) ) ," -" !!4
,"
+)"! '+ !$ E!, ) "6
"4 +
"!,'"
)-".!"!-'+.++ "1
! ,!! "6 '
"! +
+)"!4 "5
'!"!)!!
$$ % '3
!"#$ %&"'
!()$* "&#
'# !+,
"&#