← Library
High Court of Punjab and HaryanaFAO/6991/2016allowed

National Insurance Company Ltd. v. Surjit Kaur & ORS

2018-09-25Mr. Justice Mahabir Singh Sindhu8 pages





       

  

!"



 !!

 "

 #$%  & !  #  $%#





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

 

&%'( %) - .

!!

  *  /

    /0  *  

)!0  

12  )!

3 * 2 ** 3  

  /0  *       

   )  4/+  4  4 *     

      5*  4/6  3* )!2  *

)!

/ 3 ) ** 

31 7889:;   )129 < 



!!

+* ) 331  8  :;4*  +/0)12 < 

3/ * +*  )2031

7 =9:;/*  4/1* 0&7889:;!

)*& ! *,   0/

!

>! ,   

# ! )/  +

= - .

   * !!

   * * !      *  )    

   

   )  2 2  !!02 )! ?2 )* 

32 / 2! 

/0  *)   , 3  

    @A/  #!     *+, +-.+/01+2%*0*3- +2 4*+4-' !5(6)

(*3*,)! @3 , +  !!

3/ 3 B7 <

9 < -C. *,  /)    *

!!

    3*  *  /  

 *,  2  ,   *  

   ) 0+*

3312) 3*,2)*0  7889:;!

)*  9 <    

31 

/0* 4/  )!2  !!

 !0/ /02  8  :;3* !

!2!*  ,

@A/ #!  +2 4*$- /-(-.1)3*

3 ;

)!0  3/ 3* 2

7 0  > 0+  7 < /*



)* > )! / 1 



 )!2  !!

'2!* ,

 +2 4*$-/-(-.1) ! 

* / 3( 5





    



   

      

 !  

 



  "

 # 

$%



   "

% 

 



 

 "%   ! "





      !   &    





    ' -7.

 20+  7 < 

 / 1 

 )* > )!   )!2 

!!

!0/ * ! /, +7 <



 7889:;!

)*31/  9 :; 4* ) 3*  * )*0 7889:;+31

C /  C =:;   29 < 



 *!

 >!

 * 2 31797:; -9.

, 3 !2!* ,

'0 # * #!2

/ 1 

  !!02* )! 3* !

!2!*7

 #"

)D !)!  =!! / 3*

3/ 3



 90  2 '2!* ,

+2 4*$- ! !2!*7

 , 70$- #!3* *  ,  ! 

 (  

        & "

 ! 

  "!'

( " ) $ 

#"

)D

 !;* $  +          !      !

  !   

    

!        "

,!

  &

 &-  .



  . 

   

  !    /    ""! %$

$ $% 

!

  !



  01 $2 

022%

0% 2



0   %

02

% 

 !

 !

  

 

0%%%

03%  

01%

0%  '

7

 20+  )!    =  3  /  !! /  3*

312 )!

!0/ 

/ 2  * ) * *4** )!

!0/ *

! ;

)31A797>

> =E

+ 9+ 7:;     

    

  

        +

+



            !!!

   " 

   

        

        #$     +2

4*$-/-(-.1)')  9+

:;!0/ 3  

 )  9+

:;

  >!

 3* 7 +

:; !0/  * ! 

3  )  * *  2  )+*

@A/

* #! #80+,+-.+/01+2% 7-+.

0,*-4.4. 09 - ,!!

 9=

=2  #' ,C

='2!* ,

  +2 4*$-/-(-.1)  !2!*=8

 #80+,+-.+/01+2%$-/-(-.1)  ! 

* / 3(    

           

 

  





     

           ! "



#.

! 4

 .! (

, !   !

  !



9   

     

5    6

.

!

"

   

 7 

!7   !

     



 8 !

  

!8

8   

!8

8  

!8& " 

!!

! 

   "!





 



   

   +   !

!

! !



     

  !

2  ,!



!    "      

 "  "

 !

     

     ! "

!



7 

  



    9!"

 7 (   

! "



!  !    

7    



 



  "!

 

   "7  :



!      "         







  

 #

   "  

"   -

 "  

  

&"   "      ! ".

   !       







  !

 .

!     " 

" "

 !    !

     

!



   0  9! 

      "

;        !    8



!       !



  

 



 0 9! 

   

  

!



 

!    & !

     









 







  &  0  <   #       "   "   

" !   

  

             !"          

 

!!

        :   .

!  (  .

!        

 !

#  #=".!     

  !

%= 

    

    

!    

: .

! & !

 

   



! "  

 

  "  

 !

  86

  .

!8

  (

, ! 

 

  

  

 



!

    >  

 

    

   : .

!'

-8.  2 !0)   +3* 12

*

 !  +) , 3**   3

3* 3  3* *

/ *

*

@A/ #!   .: *+84++43-

420 *+84()+4-' ,!!

8 8

9+



 



=

8

 20+ *        *

)<!

) <!

) -=.

, 3 ! /, + )!

!0/

*  ! ;

)31 (; 

 ! " #"$ ! "% 



7889:;

7889:;



'!

 < 7889:;E < 7889:;E  :;

CC 4  

 

 8  :;

7889:;F  :;E C =:;

< 8  <  C =:;E797:;

 )*0  

  

 

3  

>!

  7 =9 ! !!

=

=   G   78>

> =E  7+C9+ 7:;



+ 9+ 7:;

    ,

 

 

+

:;

 =  

 

:;

 

>!

  9+

:;

9+

:;



)  +

:;* +

:;* 4  9+ + 7:;

  

- .

 20+, 3 ! /, +2 * )!

  9+ + 7:;3 /0* 4/+ !  ;

#$  %    *       )!

   

 :;  3*

!  *    3  7 +

:;

 

)4* )!

)*/ !0/ 23* 

= B <!

)3*

 )*   )!

 

!0) +     !0) +    0+ )   

   ) + *



)!0* >/0?* )!0/ 

 !!

*

+2 4*;-/- (-.1)

-

.

 20+  !!

    3  /0 )  02  3  

=

! /0*  4/* >  /, 

10:

' !"

(

&%) 0+<   H* * !

12:  ( I : H* * & !/

(I :