High Court of Punjab and HaryanaFAO/3408/2016dismissed

Reliance General Insurance Co. Ltd. v. Pooja Devi And ORS

2026-02-23Mrs. Justice Sudeepti Sharma17 pages

-1-

FAO-3 XOBJ 3408-2016 (O&M) & JC-56-CII-2017 1# ! 2 ,

! "# '( %

*+%'

# $%& - %) "%&%1&2 3 &( - '$ $%& -

+ 3 $ $ '

41# !

! &:96 ;.4*

!5$ $ '

6 7 '

4

&89

6 74 114<* 44

,-. /0 "

'

%/

! "

#$ $ #% !&'

'

$("

#)* ! '# + '

, $ -..$ / / $ 0#

-2- ! / ! ' !0 6 ; # '7$-$04 %/ =< 7> #!/ !'

! 7 7$ %

# '?##! '

' ! %

4 5- ,6 "

4

'

4

0 !& 6 ; *%/ ! ' # + '

, $ -..

"

#$ '

! '

' ! $ %

4

0! # '

' 7$-$ 04 %/ =<7> #! # ' '

' & * ; +'

1 # !

4

'

!0

4

% # '! /

"

#$ '

$

,- 4 5- ,6 !!

#%! #'

!

' ?##! ' ! /

#$

'' ' ?# 4

'

@ '

#

-3-

7 2 #'

41# ! ?# #! ' ! % A'# "

#/

% ! ' 04 % A'#

"

# /

% / 7> / '##

'>

/ $/ !!

A'#

"

#

/ %$$04'

' '' A$ '

$ / ! #

$ #'

6 ;0

4

0 ! !

#

#

/ " '

$

4

/ ! !

# ' ! / < 1 # '

'

# /

' 7 . ) +# ! '

8.

0-1*" 3 %1"('! !,,:$ $ / / ! ' ! '

' ! # 4

-4B ! "

! # $

%

& $ $ " " " "

"

- - '()*+"

,* -'().+"

./ - '()0+"

"

"

1

023

" "

"

'+

#

4

# " "

"

1

"

"

!

"

"

023 "

023

-5-

%" "

" "

" -

-

"

# "-

$ '.+ '

! 6 ! # $ $ +

" "

(7 ' (0,2 ,(,0 0 + 5-(8 ,/*2 5-(/*( *0 5-(0*/.2

5-(..(.0 5-(*./02 "

5-((0( (00 5-90//2 2

5-8/(/0 5-0//82 - ) +# ! ' ! "#$

8.

,60,--

: ' /# + $;4.

'

,$-..

$

'

/ /%4 &* # ' %C ! !#D &5* + '!# % % 'D & * % ' '

%!# D

-6- &* '%#

$! $

' $ '

#!

! '# C$ / D &E* :##

'

%

' '

'' % / !

D '4!

'C

"

' #%!

!

## 4 B% : $& &

" "

"

;

< 1 ; ,0 222 "

;( 222"

; ( 222 "

!

!

!;

=

" !

"

> #

& : & !

#

!

! ! "

"

"

# #

-7- & "

# ! " #

1

; (0

; .2 222 ; (0 2 !

? - & - # " " &

(23

"

@ @ @ @ @ %' 023 3

"

" "

" .2 ! * *23 " .2 02 1 "

" 02/ /2 (03 :

%' 1 "

- '+

.23

"

" "

" .2 : ,03"

-8- "

" .202 (23 3 " "

" 02 /2 2

!

%'% 4

*2*,

A " "

%'(!

!

A B "

., %') !

%'* ;

; (0 ; .2 222 ; (0 2 !

(23

E ) +# ! ' '?3' & "'+ + &!1"'&2 %3*'&; <3<( $ =! '&1

'3 '+<'! >1>"1 '3 / / (> "! 8 , , ., 0 , : ' % '"+' = "3'.!1*"'0

"'&'; (> ><.1*"'0/

% %

#! ' !

## 4 C :$ ? $ D

< < "

"

-9- 1

F F

"

F

F

F

F

F ! "

"

"

"

,( ( # $ #

-"

"

" F

F ,( , $

F

F ,( * + $ #

: #

!

$

$

"

5 " - G

-10- 5

!

! 5 A :

1 "

D

"

"

: :"% $

%" "

"

! "

F F

" D

< 1 "

;

;.2 222

# '!#%/

/ ;; ! '" % '/

-11- #$ '

"

# % % % '4

&EC * ;;

% #

# ' !#% / '# / !

'+#

!# 2! # % !

!/ $04"

!$ $ !0 6 ;C! F;! #%#

% '+ +# !# 2! # % % $/ %

/!

/

@ !

/ ;<04A'#

'

'

' &EC * # ' / '# "

#'

% %!

! '4 04/ # % !

' F;

'&E EC *$/%

! '4 / $;<04! ' ; 1 / '

#

$ !

! ' @ !,-6 '

# ' !% ! + ' ' # '

4 1#

! '' "

#

4 %'##

# '7> '> $ ! '

' '!

-12- 7 1 /

A ) +# ! !1 "

#$ & ,& -#. / 0 '') / / '

' / %# $ %% ! "#$

8.

,60,- -

: / "

" C '! # 4

# 8 1 1 #

* 23 ,03 3

H

% $ 8 03

"

7 !

! )

" "#

% $ "

5 5:$! " % $ # " "

" - 9 1

" # "

"

-13- & )

"

-

: "

" 5:$!

1 ; :

-

4

"

%

! -

" % -

# % $ (2

"

" " # "

!:!:D 1 : " "

"# : 5 % ;-

D- -,5:$!

1 D-,

-14- "

#

!

#

-

"

!:!:% D

!:!:D - 1 " "

1 1 -

*2

"

"

;

" 4 -

D-, " ""

!:!:% D - H "

#

!-

-15- # "

-

$ E

# %

?# $/ '/ / /

A ) +#4 ! !><!> '#<&$ "@1+A'"&<!2'

'! .!1*"'07> ! "

# #

< '# # '/

"

# % !

!% !

## ' '

#!

$ !

#/ '

' " '

$/ ?# ' #%

. 1/ '/ /

A ) +# !

'

'

#%!$'

'

1# !

$<!3<!! $ $ % ' ! $/

4

'

4

0 6 ;

'++%B $ " / !

'

% "

4

0 6 ; ! # ! 4# 4 ! 2

1

1 ! ;<04 :##

=7> ..04&7> ';<* ; # C # / # 0; ..04&;7780;*

-16- 1 ! ;<04&;7H..* 7

# # # ;$<$704&;<88 * <

'E 7$04 . :#

EC 7$04 - + # :

'

#! C $$04 $C $C %('+ +%3* &!'(<%&

!665

D 3%1 "<C1 1&(B'"$ $C;(> 1&'+

!59

D &>'

'&2 $'3%1&( .

!6

5

D

!665

59

- + ' $

A ) +# ! 3 4 5 6 3

,9 ,6-,

! #

.

0 5 1*" 3 %1"( '! ! , 6

4

0 0 ! % =-> #! !

# '

! ''% '! ' G " 41# ! !

!

# ' ! / #/ '/

!

'

!

! ' ' ' ' #%!""

# !

# ' ! %/ # '

4

0 6 ; / "

4

-17-

0 6 ; '# @ # "

# 6 41 # !

!

# ' !

'

! 6 7 7 / ' ''% /

% &*$' $ ' - . 0 #

F F @%0 4@%+

I @% 06