← Library
High Court of Punjab and HaryanaFAO/5878/2015dismissed

The New India Assurance Co Ltd v. Madhu Bala & ORS

2015-12-08Mr. Justice Satpal8 pages

       

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

 -"".'#% &&/+ '$")0 '12!# 00"33 '!

4"+&/&  #-/ 3  '#!-"+& "&0'#"'!&  

  !  +"&"'!( +555%#-/,#6$ !"

+!-" 00"33 '!  !  "

'&! '!  00" 3  - &  *""'  %3"#  *1  -"  ".  '#% &&/+ '$"  )0 '1  2%)%!"#  %)0/8'%'8  . +#  # !"#  9 

 0 &&"#*1!-"3" +'"#!+$$%#"'!3 %)&+%*/' 3,:/+/;&-"!+ -"+"%'

!"++"

"++"#! &!-"<+%*/' 3<.-"+"*1$)0"'& !%'! !-"!/'" , ,= >?- &*""' . +#"#!+"&0'#"'!&!@ ' $$/'! #" !- 5%+%- '#

+%"

$!&, &#"! %3"#%'!-"$3 %)0"!%!%', +"!- !5%+% - '#&%'$"#"$" &"#. &.+;%'8.%!- +1 '  #. 1&" . &"'8 8"#%'+"0 %+.+; !-" +1 '  #. 1&*/&?

=?=99  '  

  %'  !-"   +1 '   #. 1&  A+;&-0, "-.  3'8.%!- 

3. '!  5%'8-  '#  + - )0 3 !  */!  =

0),  !-"+ )"$- '%$&  ."'! !*+%'8 &0 +" 0 +!&  +) !-" &!+", .-"+" &5%+%- '#+") %'"#"'8 8"#%'!-".+;*"%'8#'"*1 -%)/'#"+!-"*/&"&0'#"'!B )%. &%' + &- '#'"83%8"'! ) ''"+.%!-/!"C"+$%&%'8#/"$ +" '#$ /!%'&! +!"#!-"*/&5%+% - '#,.-. &&!%33"'8 8"#%'-%&.+;/'#"+!-"*/&+"$"%6"#

! 3%'D/+%"& '##%"#'!-"&0!

@# !"#



/'#"+5"$!%'&

9 '#E @. &+"8%&!"+"# !3%$"5! !%'

"-. &!)+!")"C )%' !%'+"0+!,C? ,0+6"#!- !-" #%"##/"!!-"%'D/+%"&&/

"+"#%'!-" $$%#"'! 3 %) '!&%".%#. '#!-+""$-%3#+"' !-"#"$" &"# 0+"

"++"# $3 %) 0"!%!%'/'#"+5"$!%'&==  '#@ >@ !-"

!+4"-%$3"&$!,9  +8+ '! $)0"'& !%'!!-"!/'"

 3 ;-& "$" &"#. &$3 %)"#!*"@ 1" +&3#,")031"# & 0&!"+.%!- +1 '  #. 1&" +'%'8  ,

>?0"+)'!-"

. &!-"&3"*+" #" +'"+ !-" )%31 3 %)  . &  $'!"&!"#  *1  !-"  +"&0'#"'!&  '&/+ '$" $)0 '1, !; 03" !- ! 0 +! +)!-" $$%#"'!- 6%'8 $$/++"##/"!+ &- '#'"83%8"'! $! !-"#"$" &"#-%)&"3 , $$%#"'!!;03 $"%' .+;&-0,.-%$-%&'! 0/*3%$03 $" )%31 #%#  '!  &/

"+  '1  %' '$% 3  3&&,  !-"+"

+",  $3 %)  0"!%!%'  *"

#%&)%&&"# 33.%'8%&&/"&."+" + )"#*1!-"3" +'"#+%*/' 3(?

 A-"!-"+!-")!+6"-%$3" $$%#"'!# !"#



%& '/!$)" + &- '#'"83%8"'!#+%6%'8 /&

*" +%'8+"8%&!+ !%'=?=99*1 )%. & &%'$"#"$" &"#,+"&0'#"'!F

 A-"!-"+!-"+"&0'#"'!?#+%6"+ +"& %#6"-%$3". & '!- 6%'86 3%##+%6%'83%$"'$" !!-"!%)"  33"8"# $$%#"'!F E A-"!-"+!-"0"!%!%'"+& +""'!%!3"#!$)0"'& !%'' $$/'!    #" !-    5%+%  - '#,  %'  !-"  +"& %# $$%#"'!, &,%'.- ! )/'! '# +).-)F @ "3%"

2" +'"#  +%*/' 3  '  $'&%#"+ !%'  

$!&  '# $%+$/)&! '$"&$'$3/#"#!- !5%+%- '##%"##/"!%'D/+%"&&/

"+"# *1-%)%'!-" $$%#"'!$ /&"##/"!+ &- '#'"83%8"'! $!'!-" 0 +! #+%6"+ !-"

"'#%'8*/& ! 3&/) , ,= >?. & . +#"#*1!-"3" +'"# +%*/' 3 &#"! %3"#*"3.(?

2&& #"0"'#"'$1  , E,= >?

2&& $'&+!%/) ,

,

>?

2&& &! !"

,

,

>?

2&& 36" '#

"$!%'G,

,

>?" $- !!-+""$-%3#+"' E,

,

>?

/'"+ 3$- +8"&  ,

>?

! 3 , ,= >?

 ##%!%'. &

+#"#' $$/'! 3&& /!/+"

0+&0"$!&;""0%'8%'6%".!-" $!!- !!-"#"$" &"#5%+%- '#. & @ 1" +&3# !!-"!%)" -%&#" !- '#!-" )%31./3#*""'!%!3"# !+"$"%6" /33& 3 +1 + 0"+%# 1" +&%"!%33!-"#"$" &"# ./3#- 6" !! %'"#!-" 8"  % -"- #*""' 3%6"!%' 3 8"

@ !-"#"$" &"#. &.+;"#/! &  '#)/3!%03%"+ 9. &, $$+#%'831, 003%"#-"+"%&'#%&0/!"+"8 +#%'8!-"3 &!#+ .' & 3 +1 !-"#"$" &"#%"  @,

>?'6%". !-"#"0"'# '!& *"%'8 /+%''/)*"+,#"#/$!%' >@!-. & 003%"#;""0%'8%'6%".

!-"*&"+6 !%' !-"'<*3"5/0+")"/+!%' 

             

 

 

9E%6%3

 '# ''/ 3#"0"'# '$1. &.+;"#/! & , E, E >?2&& #"0"'# '$1. &.+;"#/! &  , E,= >?

.-%3" 0031%'8)/3!%03%"+ 9  2" +'"#$/'&"3 +!-" 00"33 '!6"-")"'!31 +8/"&!- !

!-" %'&/+ '$" $)0 '1 $ ''! *" -"3# 3% *3" & !-" $$%#"'!  %' H/"&!%'!;03 $"%' .+;&-0  +1 '  #. 1&.-%$-%& '! 0/*3%$03 $"4"-%$3"%'H/"&!%'. &%'!-".+;&-0 +!-"

0/+0&"& +"0 %+!. &'!+ #.+!-1/+!-"+)+",#"$" &"# $ ''!*"!+" !"#!*"!-%+#0 +!1"%& '")031""'!$6"+"# /'#"+ !-" %'&/+ '$"03%$1-"+"

+", %'&/+ '$" $)0 '1 %& '!

3% *3"!0 1$)0"'& !%'%' '1) ''"+   - 6"  -" +#  3" +'"#  $/'&"3  +  !-"  00"33 '!  '# 0"+/&"#!-" %3" !  - &  *""'  &0"$% %$ 331  '#  +%8-!31  $'$3/#"#  *1  !-" +%*/' 3!- !)"$- '%$ 3 %3/+" !-"*/&%'H/"&!%'%&'! 33"8"# '"%!-"+0+6"#-"+"$ '*"'#/*! */!!-"+ &- '#'"83%8"'! $!'!-"0 +! !-"#+%6"+ !-"

"'#%'86"-%$3",.-.%!-/!

"C"+$%&%'8#/"$ +" '#$ /!%'! %'#/!.-"!-"+ '1)"$- '%$ . &&!%330+"&"'!/'#"+!-"*#1 !-"*/&!-/8-!%! %!!#+%6"

 3 $"  $$%#"'!%& #)%!!"#31 .+;&-0  +1 '

  #. 1&  ."6"+,  !  -3#  !- !  %'&/+ '$"  $)0 '1  %&  !  *" *&36"# %!&3% *%3%!1'!-%&8+/'#%&'!D/&!% %"#!%&'!!- !!-"

$$"&&!!-"0+")%&"&. &!! 331* ''"#+6%&%'& 5"$!%'@

* !-"$!$ ''!*"+" #! *&36"!-"%'&/+ '$"$)0 '1

%!&3% *%3%!1 /33 "'$- )* 1%8-/+!%'

   



 

 



  !





"#$$%&'(  ! $)*.-%3"+"

"++%'8 !#"

%'%!%' <0/*3%$03 $"</'#"+!-"$!- &-"3# &/'#"+(? I -" #"

%'%!%'   I0/*3%$  03 $"J /'#"+ !-"$!  %&, !-"+"

+",  .%#"  "'/8-  !  %'$3/#"  '1  03 $"  .-%$- )")*"+& 0/*3%$/&" '#!.-%$-!-"1- 6" +%8-!

$$"&&-"+%8-!  $$"&&) 1*"0"+)%&&%6",3%)%!"#, +"&!+%$!"#++"8/3 !"#*1+ 3+.+%!!"'0"+)%&&%',*1 !%$;"!&,0 &&"&+* #8"&+'0 1)"'! ""-"/&"

) 1*"+"&!+%$!"#8"'"+ 331+!0 +!%$/3 +0/+0&"+ 0/+0&"&A- !%&'"$"&& +1%&!- !!-"03 $")/&!*" $$"&&%*3"!!-")")*"+& 0/*3%$ '#*" 6 %3 *3" + !-"%+/&","'D1)"'!, 6$ !%'!-"+0/+0&" !%& 3&'"$"&& +1!*" +%')%'#!-"#%&!%'$!%' *"!.""'!-""C0+"&&%'I+%8-!  $$"&&J '#I $$"&& & +%8-!J-"3 !!"+"C0+"&&%'#"'!"& 03 $".-"+"!-" )")*"+& 0/*3%$- 6" +%8-! %!&/&" &)")*"+&

0/*3%$  '#  &   ) !!"+    +%8-!,  .-"!-"+  +"8/3 !"#, +"&!+%$!"#+'!-"1$ ''!,-."6"+,*"#"'%"#!-" & %#+%8-!"C$"0!'3"8 38+/'#&'!-"!-"+- '#, .-"+"!-"+"%&'31 +%8-!  $$"&&,!-".'"+ !-"

03 $",% -"- 00"'&!*" 0+%6 !".'"+,) 1#"'1!-" $$"&&! '1)")*"+ !-"0/*3%$' '18+/'#.-%$- -"$-&"&'!-"+.+#&%'!-" +)"+$ &"!-"+%8-!

!-")")*"+& !-"0/*3%$!/&"!-"03 $"%&+"&!+%$!"#

= $)0 +"#! !-"%+ +%8-!!/&" %'!-"3 !!"+$ &"-" #"

%'%!%'  /'#"+  !-" $!  /&"&  !-"  "C0+"&&%'  I+%8-!  

$$"&&J  &  0%'!"#  /!  " +3%"+  A- !  %&,  !-"+" +", &%8'% %$ '!!'!"%&!- !/'#"+!-"0+"&"'!#"

%'%!%'"6"'

03 $"!-"+%8-!!/&" .-%$-%&+"&!+%$!"#%& 0/*3%$ 03 $"'$"!-%&%&*+'"%')%'#)/$- !-"$'!+6"+&1 + %&"#  *"

+"  /&  +/'#  !-"  $++"$!  )" '%'8    !-"

"C0+"&&%'I0/*3%$03 $"J3&"&%!&"#8" CCC CCC CCC -"3"8%&3 !/+". &$'$"+'"#'!&)/$-.%!-!-" ' !/+" !-"03 $".-"+"!-"6"-%$3"$ /&"&!-" $$%#"'! &.-"+"%!. &3%;"31!#&"'$" 3303 $"&.-"+" !-")")*"+& 0/*3%$ '#>+!-"%+0+0"+!1 +"3%;"31! $)"%'$'! $!.%!-!-"6"-%$3"&$ '3"8%!%) !"31*"& %# !*"%'%!&6%"..-"'!-"3"8%&3 !/+") #"!-"+"3"6 '! 0+6%&%'&  +  $)0/3&+1  %'&/+ '$"  !  .%33  - 6", !-"+"

+",!*"-"3#!- ! 3303 $"&.-"+"!-")")*"+&

0/*3%$- 6" ' $$"&&, +.- !"6"++" &'&,.-"!-"+ & +%8-!+$'!+33"#%' '1) ''"+.- !&"6"+,./3#*" $6"+"#*1!-"#"

%'%!%' I0/*3%$03 $"J%'5"$!%'

 @ !-"$!-3#!-"+.%&"./3# +/&!+ !"!-"6"+1 *D"$! !-"& %#- 0!"+ '#!-"$!J '!-" *6"& %#$ &", $$%#"'!%'H/"&!%'- #! ;"' 03 $".%!-%'!-"$)0/'# $!+1'&/+ '$"$)0 '1. &-"3# 3% *3"!0 1$)0"'& !%' /33  "'$-     #+ &  %8-  /+!  %' + 





  ! 

  

 "###,"-./- & 3&"C0+"&&"#&%)%3 +6%".& -"+"

+",%'&/+ '$"$)0 '1$ ''!*" *&36"#'!-" *6"& %#8+/'#

5%)%3 +31 3% *%3%!1 *1 !-" %'&/+ '$" $)0 '1 $ ''!  *" #"'%"#  &%)031  *1  6%+!/"    !-"  #"$" &"#  *"%'8  '  ")031""  

 +1 '   #. 1&  !  %&  %'$++"$!  !  &/88"&!  !- !  !-"  03%$1  %' H/"&!%'./3#$6"+'31!- !")031"",.-%&'#/$!+, +%6"++ %$;"!  C )%'"+ !-" 6"-%$3" '##"$" &"# *"%'8''"  !-"

*6",%'&/+ '$"$)0 '1$ ''!*"& ##3"#.%!-+"&0'&%*%3%!15%+% - '#. &/'#/*!"#31 '")031""  +1 '  #. 1&*/!-"

. &.+;%'8 +)/'#"+!-"*/&%'H/"&!%''&/$- &%!/ !%', 00"33 '!$ ''!"&$ 0"3% *%3%!1*1 +8/%'8!- !!-"#"$" &"#*"%'8 '  ")031""     +1 '  6"+')"'!  %&  '!  $6"+"#  /'#"+  !-" %'&/+ '$"03%$1

"$%&%'# !"#

E !-"'<*3"5/0+")"/+!

%' 0!        

  

   !



 

 %'  %6%3  00" 3    @  

E  %&  '!

003%$ *3"!!-"  $!& '#$%+$/)&! '$"& !-"0+"&"'!$ &"'

#$#%&'#(%$ &"&/0+ ,%'&/+ '$"$)0 '1. &'!-"3#3% *3"

+#" !- !-"0"+&'")031"#*1!-"6"-%$3"<&.'"+ & :- 3 &%  !-"  6"-%$3"  "$" &"#  %'  !-"  & %#  $ &"  . &  -"3#  '!  !  *" 0 &&"'8"+'!-"

"'#%'86"-%$3" '# /+!-"+)+"%!. &*&"+6"# !- !!-"+". &'!-%'8'+"$+#!&-.!- ! '1 ##%!%' 30+")%/) . &0 %#!$6"+!-"+%&; !-"%'D/+1!;- 3 &%>$'!+ $!+&  $!&    !-"  0+"&"'!  $ &"  +"  #%

"+"'!  '# #%&!%'8/%&- *3"%' &)/$- &!-"#"$" &"#!-/8- '")031""

 +1 '   #. 1&  . &  "'8 8"#  %'  !-"  +"0 %+    !-"  

"'#%'8 6"-%$3"!%&#/"!+ &- '#'"83%8"'! $!'!-"0 +! */&#+%6"+ !- ! $$%#"'!. &$ /&"##/"!.-%$-#"$" &"#3&!-%&3% "2% *%3%!1

 !-"  00"33 '!  $)0 '1  - &  *""'  +%8-!31  %C"#  *1 !-"  3" +'"# +%*/' 3 H/ 331/' $$"0! *3"%&!-"$'!"'!%'!- !H/ '!/)

$)0"'& !%'  . +#"#  *1  !-"  3" +'"#  +%*/' 3  %&  3% *3"  !  *" +"#/$"#%' &)/$- &$)0"'& !%' . +#"#!)%'+$-%3#+"'%& "C$"&&%6"+!- !3" +'"#+%*/' 3. &*/'#! . +#!-" )/'! & &&"&&"#*1!-"'<*3"5/0+")"/+!%'!-"$ &" 0 

 01 



EE%6%3 

 '#'! 2

 2  



E

 5  @ =  "+"31  *"$ /&"  !-"  +%*/' 3  - &  %+&!  +"

"++"#  ! #"$%&%' 0 &/0+ ,%!$ ''!*"-"3#!- !+%*/' 3. &* ++"#

+)  . +#%'8  $)0"'& !%'  %'  !"+)&      2

3 $ &"

&/0+   !  %&  !-"  #/!1    !-"  +%*/' 3&  '#  /+!&  !  "'&/+" #%&0"'& !%' D/&! '#0+0"+$)0"'& !%' !-"+0%'!- &*""' +8/"# '!-" $!/ 3) !+%C & *6",3" +'"#$/'&"3 +!-"

00"33 '!  %&  /' *3"  !  0%'!  /!  '1  %33"8 3%!1  +  %' %+)%!1  %'  !-"

%)0/8'"# . +# # !"#9 

,.-%$-$ 33& +%'!"+ "+"'$"*1 !-%&/+! !!-"%'&! '$" !-" 00"33 !")0 '1 '&"H/"'!31,!-%& 00" 3%&#%&)%&&"# )%#!)**

"$")*"+ ,

  +,-.

+!&