High Court of Punjab and HaryanaFAO/8267/2014dismissed

Oriental Insurance Company Ltd v. Sita Devi And ORS

2023-04-24Mr. Justice B.S. Walia5 pages

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

-'#)"!.)(/-!)&# $01!)23'0'"#4 511#..!)" 6#-(/( 7'"!#6'!)4$"8#-( 5+#(1$)4#)"( 7'"!#6'!)4$"8#-( 511#..!)"( 6#-(/( 8'-')4#-!((!)4$"8#-( 5+#(1$)4#)"(

$-!0* $):;.#-+/("'&#+7+<!.'! -#(#)"* -+(8=!)'!.=!->46$&!"#!)4-+7!8#?!8!?!)> 46$&!"#%$-"8#!11#..!)"

( ') !)4 %$--#(1$)4#)"$+,') + -+8!)1!"!'7')@.!>46$&!"#%$-"8#&.!'0!)"(+ -+$)'(8A/0!->46$&!"#%$--#(1$)4#)"$(+ ') !)4%$--#(1$)4#)"$(+ ') 9 + BBB +7+<!.'!>+

-!. 8'( $-4#- (8!.. 4#&'4# !)4 9 + 8!( ;##) %'.#4 ;2 "8# )(/-!)&# $01!)2> &8!..#)@')@ =!-4 4!"#4 C++ > !=!-4')@ &$01#)(!"'$) $% (+>C>9D"$"8#-#(1$)4#)"(&.!'0!)"($)!&&$/)"$%4#!"8$% $1' 78!8>8/(;!)4$%&.!'0!)"='%#!)4%!"8#-$%&.!'0!)"$(+"$9$)"8# @-$/)4"8!""8#%/"/-#1-$(1#&"(!=!-4#4E,F!-#)$"!40'((';.#+

$) "8# $"8#- 8!)4 8!( ;##) %'.#4 ;2 "8# &.!'0!)"='%#!)4%$/-0')$-&8'.4-#)$%"8#4#&#!(#4 $1'78!8>1-!2')@ %$- #)8!)&#0#)" $% &$01#)(!"'$) ;2 "!G')@ ')"$ !&&$/)" F $% "8# ')&$0# $% "8# 4#&#!(#4 "$=!-4( %/"/-# 1-$(1#&"( ') 6'#= $% 1!-!@-!18 $+ ''' $% "8# 4#&'('$) $% $):;.# "8# 7/1-#0# $/-" ') H

+ , 3#!-)#4&$/)(#.%$-"8#-#(1$)4#)")(/-!)&# $01!)24$#( )$"4'(1/"#"8#&.!'0$%"8#!11#..!)"(%$-#)8!)&#0#)"$%&$01#)(!"'$) ;2 "!G')@ ')"$ !&&$/)" F $% "8# !((#((#4 ')&$0# $% "8# 4#&#!(#4 "$=!-4(%/"/-#1-$(1#&"(')6'#=$%"8#4#&'('$)$%$):;.#"8#7/1-#0#

$/-"')H $)!&&$/)"$%"8#4#&#!(#4;#')@ , 2#!-( $% !@# )$- 4$#( 8# $11$(# "8# &.!'0 %$- #)8!)&#0#)" $% &$)($-"'/0 %-$0 (+9>D !( !=!-4#4 "$ "8# ='%#"$ (+ >D ;/" ("!"#("8!"')6'#=$%"8#4#&'('$)$%$):;.#"8#7/1-#0# $/-"')H

## # " %$..$=#4 ;2 ! $$-4')!"# #)&8 $% "8'( &$/-" ') $+,9C $% 9 ') &!(# "'".#4 !( H

"(+ >D')!@@-#@!"#'(1!2!;.#"$!.."8#&.!'0!)"( $)!&&$/)"$%.$(($%&$)($-"'/0')("#!4$%(+ >D')4'6'4/!..2+ 3#!-)#4&$/)(#.%/-"8#-&$)"#)4("8!"!(/0$%(+9>D !=!-4#4$)!&&$/)"$%%/)#-!.#I1#)(#(!)4.'G#!0$/)"$)!&&$/)"$% .$(($%#("!"#'(.'!;.#"$;#-#4/&#4"$(+9>D$)#!&8&$/)"')6'#= $%"8#4#&'('$)$%$):;.#"8#7/1-#0# $/-"')H

+ 9 8!6#&$)('4#-#4"8#(/;0'(('$)$%.#!-)#4&$/)(#.+ 40'""#4.2> "8# 8/(;!)4 $% &.!'0!)"!11#..!)" $+ !)4 %!"8#-$%&.!'0!)"$(+"$9=!(,2#!-($%!@#!""8#"'0#$%8'(4#!"8+ )&$0#$%"8#4#&#!(#4!((#((#4E(+9>D1#-0$)"8$)"8#;!('($% 0')'0/0 =!@#( !( !11.'&!;.# %$- "8# -#.#6!)" 1#-'$4 $% "'0# '( )$" 4'(1/"#4 ;2 #'"8#- $% "8# &$/)(#.+ 40'""#4.2> $) !&&$/)" $% 4#&#!(#4 ;#')@,2#!-($%!@#!""8#"'0#$%8'(4#!"8> F$%"8#')&$0#$%"8# 4#&#!(#4=!(.'!;.#"$;#"!G#)')"$!&&$/)"')"#-0($%!-!$+ ''' $%"8#4#&'('$)$%$):;.#"8#7/1-#0# $/-"')H

%$- "8# 1/-1$(# $% =$-G')@ $/" "8# %/"/-# 1-$(1#&"( !( !@!')(" ,F"!G#)')"$!&&$/)";2"8#.#!-)#4-';/)!.+ /-"8#-!(!@!')("(+9>D!=!-4#4$)!&&$/)"$%.$(($% (1$/(!.&$)($-"'/0>!(/0$%(+ >D'(.'!;.#"$;#!=!-4#4')./01 (/0$)!&&$/)"$%.$(($%&$)($-"'/0"$!.."8#&.!'0!)"(')6'#=$%"8# 4#&'('$) $% $):;.# "8# 7/1-#0# $/-" ') H

:( &!(# (/1-! + /-"8#- !( !@!')(" (+9>D !=!-4#4 $)!&&$/)" $% %/)#-!. #I1#)(#(!)4.$(( $% #("!"# -#(1#&"'6#.2>!(/0$%(+9>D$)#!&8&$/)"'(.'!;.#"$;#!=!-4#4 ')6'#=$%"8#4#&'('$)$%$):;.#"8#7/1-#0# $/-"')H

+ &&$-4')@.2> ') 6'#= $% "8# 1$('"'$) )$"#4 !;$6#> &$01#)(!"'$) !( !((#((#4 ;2 "8# .#!-)#4 -';/)!.> !( !((#((#4 ;2 "8'(

$/-"'(!(/)4#-* 7-+ $+ #!4 0$/)"!((#((#4;2 -';/)!.')/1##( 0$/)" !((#((#4 ;2 "8'( $/-"')/1##(

+ )&$0# $% "8# 4#&#!(#4 91#-0$)"8 (+9D1#-0$)"8 + /"/-#1-$(1#&"( ,F$%9J (+9D

F$%(+9DJ (+D ,+ #")&$0# 9K9J9 9KJ

+ #1#)4#)&2

$+$%4#1#)4!)"( 9 D "8$%9J9 99J 9 D "8 $%J9 9J99 9+ /."'1.'#- +

$01#)(!"'$) !=!-4#4

9 I I JC>C >9D 99 I I J>>D + 3$(($% $)($-"'/0 9

') ./01 (/0 "$ !.."8#&.!'0!)"(')6'#= $% "8# 4#&'('$) $% $):;.# "8# 7/1-#0#

$/-" ') H

:( &!(# (/1-! + + /)#-!. I1#)(#( 9 9 C+ 3$(($% ("!"# 9 9 + )"#-#(" CF1#-!))/0 CF1#-!))/0 $"!.

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

9 4#1$('"#4')"8#'-!&&$/)"=8#-#/1$)"8#!)G&$)&#-)#4(8!..&$)6#-" "8# (!0# ')"$ .$)@ "#-0 :( !)4 ='.. )$" -#.#!(# "8# (!0# "'.. "8# 0')$-( !""!') "8# !@# $% 0!?$-'"2+ $=#6#-> .';#-"2 '( @-!)"#4 "$ "8# @/!-4'!)$%"8#0')$-("$='"84-!=')"#-#("%$-4!2"$4!2#I1#)(#($% "8# 0')$-(+ ) "8# 0')$-( !""!')')@ 0!?$-'"2> "8# ;!)G '( $-4#-#4 "$ -#.#!(# "8# !0$/)" ') "8# :( "$ "8# &.!'0!)"( ='"8$/" !)2 %/-"8#- $-4#-(%-$0"8# $/-"+

+ +, '()*+ ,*-* .)/ )% 1 ,*-* -2 1