← Library
High Court of Punjab and HaryanaFAO/9723/2014allowed

Iffco Tokio General Insurance Co. Ltd v. Gurmeet Kaur & ORS

2019-09-03Mr. Justice Harminder Singh Madaan8 pages

  

    

   

 !"# $"%&'()

''## *"$ !$"&+$","

-'      ."

"

.$#/ /01 ",''##

"

*1 /$"01 ""'2



 ."4#&!$"&+$"5660#7+$"5 $8,"01".#5(65&,"."&"/8,0 $"$1&",9"$8,#&' $"/ ::,"*,#8"'

;"9  /8,  5  6"0  !$"1"  /8,  5  "1"        !"#  $"  %  ) 0  %,8",  5  $""    "$  9"8 "8"2 ;-<==< ,""""",8 1,#0#&8&',$- <# ,

 '",1",#&0 0 ."&"/8,688"&/$".#,&"(#> 9$=  '

& 6,,","/,1"0,,8 1,#98"19("'2 5!$"1"/8,", 8#8&"1"(,8,'&"&9,"$ 8,&"(#0"$##(0."&"/8,&"(### 6>(",81,#'1",0, '"0,,8"$,,,'>,6 69(?8"/8,&"7/8,!$"'/8,  880,"','$''" "

$&" 6""& ,'"6"" @$''"$#1

","8"8$&016" 

0#" "   %#&  "9$#0 .#  ##6  ,  #& ' '"#(6"&'- < 00< 4,#&#8 6,"AB'"$&"&,#8,'## "#C,&$0'(9#9(##,"'7#( 1"##( /$,6"#, $"%&'(88"1,  ,",%$"'"(8,,''#9'0, 6"$",##89

2    ,  ''#  6  $    ,  "'   "'2

 ,1'$''","$8,$#

,1,"#"$#",'"988

 ,"$8,,"" ,""&"8$&19,#, ''##5$"&'(6,,81,#6 1#1,>, -6,,68""6,"' ,0'"$#",1,#$8,& "1""&6#"6,&##8 (6!$"'/8,6""= 0,"8" $&9","$ @$681>,,",9##$ 96#&"'2

#,8" &',#&>,&",#& "$$#    '"$"        1    $","&" !$"1"  /8,  5  "'  2   ,  1#1    1"#  #& '##8$6,,#&$,'6 8"9(,"9$#0,"",6"89"8,9(6( ',''##&'9&

;61"0  #"  $#  ''"8  "  , "'4#&  ,  $#(  "1"  $,     #"$#",''##8,&"#("," ,,#,1,#06,,,$,& "1"8$", -0,8,6,,"$ @$,9"$#"0"$###$96 ,#&"'2

,#',#&88 &',"6$,##$"196 #&    "'  2

       ,  "9$#  ,  "8,#( ',#&'8"&'

  ","8#"$#",'"0 ,, $9&  &  9(  #"  $#  "  ,  ''##  5  $" &'("##(1&"  -$91' 1#('$"',"&#&,"(&

 -#8,$""(&(,&$'" #, , -98"8"9('"06, &(9(6, #($"818 ,,'#& 69$,$#'""&#0 6,,&&,"& "#(",",$ &, -"$#$8(,'"$ "(

,""8", -0,&"6 18,1888($,,,9 $9("'2 5!$"1"/8,9(",8#8 "18,8"$ ",",69  $'"#,%$"#""&,&( -D

/, - ,#0,#&,%$"%,?$#8"0 .# $#9#1,,1888(6$#,1 ,##"'2 6,$,"98$1 ,&6,, 6"$98,18 6,$(7$9#",6$#9'"'"''"'" ,"6$#9'"'8,$9 ,",8 96,("'2 5!$"1"/8,6$#8 ,&#   1#1    ,    6"8#(    88 ,&#  ""0 "#9#,"'#(''"8,%$"6,&&

< " 1,,7$8&98,##8$",", ,8,"%$"9(,",'" ",",!$"1"/8,   1#1    ,"  "&#    "#8    "  &,'     "'1"##&'0&(81"&$99$ ,"9#(9$,9(#$8,""1,#$ ,  ,  '"  #&  '      "$#    ##$  96  , #&    "'  2

           &"      , 81,#@$,96"8#("$,  ,$"&'(6$"9$$,##8##$96 ,#&"'2

8"1#$#& $8##,$"&'(0,8'"1, $"&'("&"'"8,&",'#088 - #888$#('"9"88,&9 88,& "9(,%$"&'7$" &#(0,$" &'(, ($,'06,,"1#8, ,"&1#18#"$1,#,"&# 6##,#&'7$#,$"&'( &(E$6"9"&" %#&"9$#

,"9$#,##6,##,976 '$"6",''# (&,8"$''# '"$9&&9(#"$#",''## , 8""9(,"9$#$2

,."&"/8, #/, F#+",,06,, '# 9$=  '

& $9("'2 5!$"1"/8,6,#

: "18,81,#",8#8&"$##( 7$##"("" ,'%D !$"'/8,06,,'"1(6$, &  $  9 6",(  "#  #,$8,!$"1" /8, 6 E&-D9$,,"E&&,"&# ,9"8"8,&"8"8,"6,,, 6  8  "#  ,  '    %D  $  ""9"  "& '&"&"'"GE %D 4F,68,."&"/8,, "

26&8,@$$&'" ,"9$#, , 89=(",&,,8, 9",",("GE %D 4%

 , , '# ,66" 8 9#6,.$79.# %DF#6"/8,0%#" , //.0.#,9"$8,#"(""."&"/8, '"$8,#"("GE %D48,,6 "68#"(- :0 <<4'"&,"$- <4 '"&, ,"9$#,$&$-

0< 4'"&, $&E 8,&,#(#"(9- <0 4

< B,&$66"$$"'"' 2$#9 $  6,  ,  "9$#    8        7$8&   



 

   

 !"

## $"

%0&,6,#"&8,&0 < B$##"(,&,6" $$"'"'9&6,",,'"&79

 69#6,8 (" ,""0"""6&&9( ,"9$#8  , 6(0 8&,#( &  9- 0< 40 '816,$&9"' 98$"0 ,,&$6$6"'"##18 E',0#18,'(#&94 , ,&,#(#"( $#'#" <6"8,#(''#08, &'- < 0:0< 4 ,"9$#,$","6"$&-

# ,, #&2

6"#"$&0- <0 46"$"# E'    ,"  $&    -

0 4  6"  #    #1   & 8#&'- < 00< 4 ;61"016 ,"$,"( 



 

          $'"0  ,  #&  "  #    8 &'$"1#, -

<0 4$ #0-

0 46"#"$&-

<0 4 $"#E'0#-  0 4 ,#&',$& $- < 0:0< H 0 I< 00< 4

,  "9$#  ,  6"8#(  6"  &'   - < 00< 4  ,  &    "$    - < 00< 4  ,  " 8"AB'"$&#,,8," ,#&6$# 9#8"A <B'"$&"&,#8, #&'##$#"#C, &$ - < 00< 4

,""&,"8#6",##"&,&

,,",#&,##9"$'"'"#( &$ 'E9"$9(,#&,''##5$"

= &'(,"# D,$,&0,''###6'"#(6, 

   F"7  

!"#$ %&"'

!()$*   "&#

'# !+,

 "&#