New India Assurance Co. Ltd v. Promila And ORS




    
   

 !"#$%"&'('#)* ++

 

    

   

 

 

   

  



   

 



     

   

 

*  -. /+ /



0 .

 

     ! "

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

     !  

.

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


0 .

 1+ .   3      " 4! "

   

/  "      *(+))*+)

  4/          3      5 6  " "

 73  78

%#&'(#)*+(    4   "

  4/    

  /

 4!    $ %#,)((#)*+,  %#,)-&#)*+, !4"4/   "  "

   

  "   ++*')**,

54 
9#(-$#)*+16  " "



7"" !78  

      !4/   ! #:

  

5 4



    

 ;5   ! 

 

"  /4

 

  

 4  %    4  "           !        "    

# #23")( !'#) 4 5%"%#) &&#6)!#$%" !7#$ 5 ( /5+ #+ " % 2#6)!

+ / )0 +,*<# ) =     

   >

6+<( 8 ', &)*<# (

 / + '( )**<#   "  /  "7+(7 )1 ++ ,**<# 

 +* ***<# )1 )+ ,**<# #23")( !'#) 4 5%"%#) &&#6)!#$%" !7#$8! /5+ #+ " % 2#6)!

+ / 0 ***<# ) =     

   >

61*?8 ) ***<# (

 / )0 ***<#



  "  /  "7+-7 0 () ***<# :  

' 1**<# 0 0+ 1**<#      " 

 /

       " "

   /

 3  

     

/ >       @ 4

 " " 

/  

/ >      "     !/

 3   

 @        " 

      4/   974 

  

   Magma General Insurance Co. Ltd. Vs. Nanu Ram alias Chuhru Ram and others, 2018(4) RCR (Civil) 333; National Insurance Co. Vs. Pranay Sethi : 2017 SCC 270 and
     

 

         
  A    " 

         " "

   0,/

"  "        

4          

     :! /  5  

 ;  

    !  4  !  (*?    "

     9!     "  9"

4  !   !   5

 "

 

"          " 



       "        "

4     ;5  +-/

   

B  "

= 

/6B= 833  

"  ;5 

" 0 ***<# / 

  " " @    

4  3    "      ;5 " B= 

  !    +1 ***<#  "             

 "   0 ***<#    

@ 4

     /   

  !  !   5

""   

  "

    

     "

4     0*? "

 



/ 4

4/3   3   /  "     "     4/      "  " ;5  4  4/   " 

 /4/

  

  @  



 / "   !    "    



!       3 





4

  4/    " 

 /  " > "

  /" 

    !4 

 3 

 !    "  "      

4

     4/         "  

9

      

   :! /              (*?    "

          ##+0*(1##)*)+    $ %#,)((#)*+,  

!4/   " "       " " 

 

  4/"  "  3 

 " "    "

"/ /"  "  4 5   /!@ "

"  45   /"

4

4/ 

     3 "     "     !  

 3 

  



4

  4/    "  /"  ;5 

4/3  

" 0 ***<# 

  4

  ;5  

 B=  "    !  

  +* ***<#  " 9  

  +* ***<# 33   "



 

 "

    ;5  +- /

"  "    /   

0*? "

 3  974 

  

    
!

 "
 @ "  

" +1 ***<# " 

  "

  0* ***<# "

,



 "       "

     4    4/   974



  "     4

4+*?

  " ! / /

3 "      4 +*?     4!#!       Pranay Sethi's case (supra). 9      "         !      

" +, 1**<# " 

  "

B        "     00 ***<#  " 

" 

    "   !/ 3 

 / 4    4

"

# #23")( !'#)#) &&#6)!#$%" !7#$ 5 ( /5+ #+ " % 2#6)!

+ / )0 +,*<# )

  )0 +,*<#>+)C ) -' ')*<# (

  > (, '&,<#

  "  

 > ) 1) '00<#

6(*?8 ) 1) '00<#>(*?C &1 --(<# , 3    ) 1) '00<#D &1 --(<#C ( )- -)&<# =    

  > 6+<( 8 ( )- -)&<#6<8(C + *' ,*'<# , 

"  "

 

( )- -)&<#  6#8   + *' ,*'<#  C ) +' )+-<# &

+( - 

""

 

) +' )+-<#>+(C )- 0' -(0<# ' 

 00 ***<#>(C + () ***<# +*

+, 1**<# ++ 

  +, 1**< (* +0 -(0<#6 "" (* +0 -(*<#8



#23")( !'#)#) &&#6)!#$%" !7#$8!

/5+ #+ " % 2#6)!

+ / +* ***<# )

  +* ***<#>+)C + )* ***<# (

60*?8 + )* ***<#>0*?C 0- ***<# 3    + )* ***<#D0- ***<#C + ,- ***<# = 

  > 61*?8 + ,- ***<#6<8)C -0 ***<# , 

 "     "



+ ,- ***<#6#8 -0 ***<#C -0 ***<# &

+- - 

""

 

-0 ***<#>+-C +1 +) ***<# ' 

 00 ***<# +*

+, 1**<# ++ 

  +, 1**<# +1 -' ***<# 3        "           

 4!   E'?    "

 "" "      F 3   4       

 4/ 3  

  /         " 4!   ++

6


0 .8  /   A  5 < 

G <
 A   4

G <