Icici Lombard General Insurance Co Ltd v. Ashok Kumar & ORS
!"#$% %%%""!&&$ '!
$(!
%%%+!
!"#$% %%%""!&&$ '!
$(!
%%%+!
,
%%%""!&&$ '!
-.!!/* $(!
%%%+!
$(!
%%%""!&&$
'!
-.!!/* $(!
%%%+!
0$!10! 2 23 %%
!$3
%' &($ 5/ $!
1 $(!""!&&$62
! "#2 1
"!$7%2 %
%-2&*%85/ $!
1 "!$7%2 5 1 "!$7%2 5 1 "!$7%,2
%
%9 !!"-2:(0(2&&5/ $!
1 "!$7%2 5 1 "!$7% 2 5 1 "!$7%2
%
%%-%-2:(&5/ $!
1 $(!""!&&$ 2
1 7%$2 1 "!$7%2 % ;;;;
<#$(2 !
5 (&&2 " !11 2%!%
12&! !(&112
!
"#5 12&! !(&1 1 &2$ 5=(2 ((/! !$1$(! ! 2!$% < 2!1&# $$!5$(!1 $ 1$(! ! !$($% % $ $3, %%5-(% 5:! $, #!
1-(%0!
( +.5 2!$ 1 /2&&:! (:5 4&2 ! -$$2 7::&5 8!( 2& 2 $5 &&:=2$((2 =21!-$%<!!
0!/2$(!2 :($!
< #-2 =!
!:2:$(!2 $ # &!(/2: !:2 $27%9+
,
9
)!00!&>!=(!$(!#( ! (!! :9$!& $8(& * ) (!$ 58
42 )"/!(2 &!(/2: !:2 $27%9+ , (!
!21$!
!1!
!$ $(!11!2:/!(2 &! !2: 2/!
# "!$7%6-.!!/* 2 (!:&2:!$!
5$ /!
#(2:( "!!5 !1 !(21$!
2:$(!
$ # &!
! 2: !:2 $27%9+9,50
5=(2 (= !2: 2/! # ! 2)-2:(5
$(!
1"!$2$2!
5 ):2 $$(!
$ # &!1 5 &$$&#&&$(!$( !! 2!
1!&&$(!
11!
!&$2"&!2.
2!
! !2/!2.
2!
(2
2:($)!!5 2:($!#!$(5< #-2 (!
2:($(5=(!
!
-$%<!!
0!/2(!
(! 2:($ 2!
$(!
" 1$(! # -(% 2)-2:(5
$(!
1 !/!&&$(!$( !!2.
!$ 2/2&9 "2$&5 &2$#2"
2/$!/!(2 &!5=(!
!-$%<!!
0!/2 = ! &
:($! < #-2 !2! 2$$!2$(!( "2$&1 $ !$!$1 $=# 1$!
2 ("5-.!!/ * 6 "!$7%(1&!1 $(! "$&!/2:$(!11!2:
/!(2 &! !(2$$(! "$1 &+7%$!% % 1 $(!
11! !
!
-! $2 5,,, 4= !:2 $!
!:2
"!$7%-.!!/* =2$(4&2 !-$$2 2& % 4!$2$2!
? &2$6 (12&! &2"!$2$2
! 2: 47% 1 !
-! $21 $ '!(2 &!
$ :2 $ 2%!% -.!!/ * 6 2/!
5 '2.# * 4 .2$-2:(6=!
!"#$% 2
111!2:/!(2 &!5 &22: "! $2$$(!$!1+ %
&)( $12.
2!
11!
#(22$(!$ /!(2 &
2!$% @2$( !: $!$(1-$%<!!
0!/25 !" $! &2 "!$2$2 ! 2: 47% 1 = 12&! #"!$2$2!
? &2$
2%!% (
5+/2* 62 5< #-2$0!/25 < #7!(0!/2< #-2 0!/22 :($!
5:2 $$( /!
# 5 &22: "! $2$$(!$!1+ &)( <$( $(! &2 "!$2$2 =!
! $ 2! $:!$(!
# $
2!$ &2 8 &5 & (!
!21$!
!1!
! $ $(!
& 2 !$( !=!
! !&$!$$(! ! 2!$% !2:"$$$2 !5&&$(! (""! ! 11!
! $!
$%
!
2$ =!
!1 !% 8(!" $2!
=!
!11 ! !A$!"" $2$2!
$&!!/2! !% 1$!
(! 2: :!$ 5$(! &2"!$2$2 =!
!" $&# &&=!=2$( #8 &/2!= $!%% %4!$2$2!
() * 5 =( ( 12&! 4 7% 1 = = ! "! $21+ %,5
?"!$2$2!
$(!
=((12&! 47% 1 =!
!= ! "! $21 + % 55
?&:=2$(2$!
$$$(! $!1%B"!
1 $(!
$!112&2:1$(!"!$2$2 $2&&12& !&2C$2"# &! #
7%$,.2$&# !/!
&&#% 8(!2
! "#1!&$::
2!/! #$(!= "
!
#$(!8 &12&!$= !" $!""!& !1 !$(2 $%
8(! &2$ 2$(!$="!$2$2 =!
!& 2
$2 12!=2$( $(!$1 "! $2= !$$(! #$(!8 &(/!
12&!$(! !" $!""!& 7$2 !
1 $(! ""!& =!
! 2
! $ $(! "! $2/!
5=("$2""! !$( :( !&% (/!(! &! ! !&1 $(!" $2!
2!
:2:
$( :($(! ! % 1 "! $2= !$"!$2$2!
? &2$ () * 2 47% 1 $12.
2!
11!
#(22 $(! 2! 2!$$$(!$!1+ %,5
?%8(! "&2$"1$($ $2 1&&=
!2 &!>"!
+ %5
? -"! 2& 2!$5 $ " $$2 $$!$ + %
?
1! 2:
+ %5
? 42 11!
2:
+ %
? 4@ 2.
!? &2$(!" !$($(!=
2:
2!
1 $!
2: ! 2: + % 5
? "!
$( !.#2::(!&$(5(=!/!
$1 2!$&2.
2!
5(!(
! !"!
!$2 &!$($1$!
$(! 2!$(!= $)!$ 2/2&9 "2$&5 &2$#5=(!
!(!= !2 &!:&&#!>2! "
/2!$ !$!$ 1+ %
?( !! "!$ #(2(2
!$!$5!2 2!
5 "! 2&2!$ /!# !!$ %4@0 2) 7) 5=((!2 &!:&&#!>2! &2$
% % (!" !$($ (!12!2.
2!
(2 "!
!$2&!2!2 &!:& !" $D>%4@?<12/!1$(!2.
2!
=!
/2 ! $("225$(:( ("22 !: 2:!$! $21# $ != ! !2/!%4@,0 %+.2/* (2)1 * (2)9 "2$&5
$!( 2(!" !$($ (:$$ !$!$1 (21 , % % = 1 / 2 2.
2!
(2 "!
! &2!
$$($ = $)2:$ !$!$1 2/2&9 "2$&%8(2 =2$!
( $!
$212!$($!>"! 1""
>2$!&#+ %5
?=!
!2
#$(!
"!$2$2!
(2 $ !$!$"!$2$2!
= /2 !:& (2:("
$!2 2!$% 8(! 8 & ( :
$! 1 + %5
? &# 1
!2 &!>"! %9=!/!
5)!!"2:2/2!=$(!1 $$($$(!2.
!(
11!
! # 2!2.
2!
(2 "!
! !2/!$ !$!$ 2/2&9 "2$&5 &2$#$(!1 * (2)9 "2$&5 $!( $(!1 $$($#$2!
5$(! ! 1/ 2 $ "!$ "
( !1!2 2!
2$(!1 1 2&& 5 ! !2"$ 5 (! !$ %2 $ )!"$ $$2!
2$:!$ 2 "& ! & $$( !!= ! $= 1$ !!2 &!>"! %8( 5$(! "! $2!
$($(! !( !$
8(!8 &
!/ 2 (! &2)! "! 2&2!$5 " $$2 $$!$ ( :!
:
$! "! $2 1 + %
?2$($ !: %9=!/!
512$($$(! "! $2 (& (/! !!:
$!!
211!
!$(! !" $!&#$(!$ &&=! &&! $2/! $(!&=!
2!%
/2!= 1 $(! $$!!$ 1 4@, 0 %+.2/ *
(2) $($ "!$2$2!
? &2$= /2 !:& (2:("
$!22!$ 2!
2:
$(!1 $$($ &&#"!
11!
2:2.
2!
2 2! 2!$ !
!A2 ! "! 2&2!$1 2:12.
2!
!:22: & (!&$(5 1
!
/!
$ ! :
$! $ $(!
&2$?"!$2$2!
2$($ !: = $(! !% 1 $ " $$2 ( :!
! !
!5 1
2 &&=! )!!"2: 2 /2!= $(! 1 $ $($ $(! "!$2$2!
? &2$=&(/! !A2 !
$ !1$(!
"!
# $$!$ 2:$(!"!
21(2 ( "2$&2C$2=(2&!:2:1
1&&="$ !$!$!/!$(!
=2 !$&)1$!
!(25 $(!
1
!
/!
$ !:
$!$$(! &2$ () * 2$2 :
$!$(2% 8(!8 = ! 1+ %5
?1 &
1 ! 2:5=(2 (2#/2!=2 $(!&=!
2!%8(! 2$2
!( !$
1
( !!= !$$(! &2$1
"2 11!
2:
#$(!8 &5=(2 (2 .
$"
"!
!
$ &&1 #2$!
1!
! !% 8( $(!$$& "! $2 !
$$+ %
?% 8(!8 = ! $$& 1+ %,5
?
"! $2&:=2$(2$!
$E%B"!
1 $(!$!1 12&2:1$(! &2"!$2$2$2&& $& !&2C$2% $($ =#5 $(! !( ! $ ! $ + %5
?
,5
%8(!""!&&$? &2$ (&& !!$2$&! $ ! /!
$(!!( !$=2$(2$!
$$$(! $!1%B"!
1 $(!$!112&2:""!&$2&& $&"#!$%8(!$(! $!
2$2 (&& !2$(! ! :2/!2$(! 2:2&= % @2$( ( 212 $25 $(! 12&! # ""!&&$ 2 &&=!" $&#% 2:$ "! $2= ! #$(!8 &$&!:&
!"
!$$2/!
1! ! !-$%<!!
0!/25$(!8
! /&!1(!
/2 !
$ !+ %5
?"!
$( !:".:!$
!"% .:!!$ "
! # 2$! <! ( $2$&! #$ & %'(& $)& &*#+
+
,% # &
&+" - ! -5$(!$2&2 !1 ( !=21!=
$)!$ !+ %5
?2$2= !$= 1$ !"
"! $ $(!
1 (/2:$2$&!'
&.$/ & $ & ! 2!%,% # 2$!<! (1$(!
$5$(!$2&2 !1( !=21!=
!$ !+ %5
? "!
$(% 1 (/2:$2$&! % & & & !
01% & ! 2!% % # 2$!
<! (1$(! $5$(!$2&2 !1( !=21!=
!$
!+ %5
?"!
$(% *!!"2:2/2!=$(!1 $ 2 $ !
1$(! !5$(!
:!1$(!! ! !5$(!! 2 ):
1$(!" $2!
512$($2$ =& !"
"!
""
"
2$!21$(!$2&2 !1$(!! ! !
-$%<!!
0!/22 $)!$ !+ %5
?"!
$(% 9=!/!
5 $(! 8 & = .
$212! 2 !1 2: $ )!
! $21#$$= "!
&!>"! % $($=#5$(!& $ $2 !
$$+ % 5
?
5
> %*!!"2:2/2!=$(!:!1$(!! ! !5$(!&$2"&2!
1 = "
"!
&# !%8(! "! $2 !
$$+ % 5
?
5
>% 8(! 8 & ( = ! 1 + %5
? $ "!$2$2!
7%6 $1&
1 $2 "2 (2"5+ %
?! ($"!$2$2!
7% $1 &
1&/!
11! $2+ % 5
? 1!
&!>"! %9=!/!
52/2!=1 $(! $2 1 $( 2$# 2
& $ )& &* #%.
&3
& 3 & +
"
5 $(! &2$ ! !$2$&! $ :!$ "! $2!
/!$2&(! 2%!%+ %5
? $1 &
1!
$$!5+ %
?$= &
1 $2+ %5
?
1!
&!>"! 5$$&+ %
?% 8(!$$& "! $2 !
$$+ % 5
F
G5
?% 8(!8 = ! "! $21+ % 55
?% $(2 =#5$(!!( !$ !
$$+ %5 5
?
5
55
%8(! &2$ =& !!$2$&!$:!$2$!
$E %B"!
1 $(!$!112&2:1$(!""!&$2&& $& !&2C$2 $(!!( !$1+ %5 5
?%8(!$(!
$!
2$2
:2/!2$(!= (&&""&#$$(!!( !$ =!&&%
-2 !$(!$( !!!( !5$(!2 ! $2 =2$(
!: $ !&! !1 "! $2$$$(! &2$ 2 ( =2$( !: $!" 2$2$(!1 10+2 47%1 (&&
$212! 2:&#% @2$( ( 212 $25 $(! -- 12&! # ""!&&$ -(% $(!
2 &&=!" $&#% ! ! !&1 $(!""!&&$62
! "#(
$!!$($$(!2
! "#= = :&#!&2 &! 2 !
"!$7%= $"
/!$ !"
2:/&2!11! $2/!
2/2:&2 ! !5 (2$ (& !!2$(!
&/!1&2 2&2$#$"# "! $2 ! /!
# 2:($ !:
$!% @(!
! &! ! !&1 $(! ( /!(!!$&# $!!$($$(!2
! "#(12&!$2 ( :!$(! 1 "
/2:$($ "!$7% (/2&$!$(!$!
2$2 1$(!
2
!"&2 #5 (2$= $&2 &! $2!21# "!$ 2
!$(!8 !&$=2$( ( "! $2!$2&5$(!
!1 ! :
2 $(!
!$ !"$ ( $!$21&! ! !&1 $(!
2
! "#% 1$!
(! 2:$(! 2/& $!$2 :2:$( :($(!
! 512$($$(!8 !&$=2$($(2 "! $=(2&!! 22:
!7%, 2:($&# !$$(! & 2$($ 2 ! "!$7%, 62
! "#( $!>2!#112 2&1 $(!112 !1 2 $8 " $112 !
58! :57:&$"
/!$($$(! 2/2:
&2 ! !($ !!2
# ($( 2$# $(! 2/2:&2 ! !2
1/ 1 "!$7%= 1)! 2/&2 2"&# ! !1$(!
! $($ 2/2:&2 ! != !&&! !2:$ $ 1 $5 2$ $ !$)!$!$($2$= 2/&2 2!11! $2/!%$ !!
# ! $2 :
!!=2$($(!8 &$($"2$%8(!2
!
"#= 2:($&#(!&&2 &!$2!21#$(!2
!$2 ( :!$(!
&21 "! $2% 8( 5 45- 5 44 5 12&! # $(!
2
! "# $2 2
! $(! "! $2= ! #$(!
!!!( !$(!
!2 2$ ! ! !$ 2!
$(! !% %% !
< 2.
"#$%#$&&$'()$* +$',-). $ ( "#$%#$&&$+(&%'/0$ $ (