High Court of Punjab and HaryanaFAO/9996/2014dismissed

United India Insurance Company Ltd v. Hari Singh & ORS

2019-12-18Mr. Justice Harminder Singh Madaan13 pages

! "#$% &

$$'' (! )! *+, ,!

)! *+,

$$'' (! *,%# &'

!!""

# $

# "

!!""

&'&(

# )$

# )

***** .!'% ! , $!/'# )! *+, , 0! +, '# $ !

(,' 1

,! 2, 3 + !$

*,%# &'!4!1 , -5!

! "#$% & ,' !!

! "!

6 )-7 7

0!4% 8, + !81 '#+ #$ - ' : ! ! 0% ,# #!

4, '!

1 5,, ;

4! '# '# )! *+, 5 ++ !# *,,<$ !

(''+ = !'1 >,'

6!+!,1 ! #0'1 $'' !!

'+ 5, .': *+,1 ,!

$'' !!

5 *$'!

#!%' 5, #0!

5,, 5 0+ !4 0% 6!, = #!

!! ' , ! #! $

?/ @1 5, ,% !, .0$ !

>$ *,,<$ !

#0' -1 #5,'1 + !

0+ !4 0% !$ 6

4!% !, +'+ #!

# !# $$

+ , %$ !4+ !1 6!, = #!

;

#!%' A!# ' , ! ;, 0!#1 0 + !

, + #!%' 0% ++ 5!+ !

- ''%1 ,! !! #!%' ''

5 '+ 5, #!%' ! # '$' : !

*,# &'

!4!

$$ 0 + : ! $!1 , $ 5% !

,! : ! 5! ; "4'

)$'

6!+!,1 ,54!1 5%1 .': *+,

$ #0 : ! ! 0% ,#

"'# )! *+, , ! ! ! 0, 0 !+, !# 0'5 '051 ! ! 0, 0 !+, '+ 0'5 ; ,!

: !

) !# # @B !#

$! !

!+ ' !5 !+, '+ ; : 5 @B1 ",+!,

$! !

!+ $' !+, !# 5

# - 791/ 5 $ !#1 #1 1 !$!

,$'

) 5 ''

!++ !# # '+ '# $

!+ ,#1 , , 0# $!#'% 0'C , , 5 + 0

%! # 5 5!;+ '!

) ! -

/ $!

! ' !+ : ! #,$1 , 0' , ! 5!;

! %,+

) $!% , #$ - ' 0 +! ,# 5, !

++ 1 ''

,! !$ $ $$!

-$ 6

' : 5! #1 ! $!'#!% 0: , , ; $' 5, + !C !$ 6

5 ,4+ 4' !4+ '

>, !

5 ! 5, !$ 6 ?

!'4 #

!+ ,#1 !

, 0 ''% 4'4

#!1 #!'

! '# $ 5! 1 5,!1 $' ; $!'#!% 0: 5! !!1 5,' $!%+ !

'# $

5! !$'% ' 0% !$ 6 ? ! #$%1 , ; 4! '+'

0: !% 1 + , !4!

5 ,'+ 4' 4 !4+ ' # , ; $' 5, 4,' D

* , !$ % '0'% $% #$ '#

1 , !$ $!% !

'# $

$'+ $!1 ''5+ 5! !#

E,,!

'#: ! )! *+, !4 : ! ! !, +'+ !4+ 0% !$ 6

5,' !4+ "!

0!+ 6 )-7 7 F @@

E,,!

!4!

+ 4,' 5 ,'+ % 4' 4 !4+ ' # 1 1 F @-?

E,,!

!$ 6 5!

, 4' !# ! $'%1 ''+ 5! #F @-?

E,,!

: !/'# ' !4 #$1 1 5, A !# 5,#F @-

+ -'

+ >, $! ' 4 $$! ,!

!$4 '#

,!+ !+ #1 !

"'# >!0 '1 ** 6+!1 ,'

,! 8, >!0 '8 6

4 !

'#1 ,'+ , '# )! *+, , !4 : ! ! 5,, 5 0 !, +'+ !4+ *,%# &'

5,' !4+ + !1 6 5 + !$ 6 ?1 ,'+ , , 0! +, !! % 4 ,5 , !4+ ' *,%# &'

5 4' !

4 % #!

% 1 6 ?

5 + !$ 6 ?1 ,'+ , , ' 0', , !$ 6 5!

, 4' !# ! $'%1 6

5 4 !

'# + !$ 4 5! 7 '# $ 5 $ #$ - 171/ 5, ! H 5 5! $!/'#1 $%0' 0% ''

,! !$ :'% 4!''%

)54!1 !$ 6 ? ! #$% ' ++!4 0% 5! , $$!, , " !1 0% 5% '+ $! $$'1 5,, 5 +4 !$1 5, ,4 $ $$! ,! +, '

, "

& " ! - - &-

. ( -&( /"

& " !!"" &

(! /0 -

&( " ( ( ,% ,%0

( 1$ 2"

- ( !

" 3 $

4 (

( 2"

- 0 ! !

& 0 &"

5 & !" 0 &"

( !

" ( / 6 /. !!

""& 0 ! & " " "(

(! ( &

(! /7 8& / ( "9 &

- & /0 " 1 "

& " "( ( "/

- "/ !

- (

(& -

"( &

&""/"

0 & & 5 !"

& -"- - - / !

/(:" - "

- - &-

, -&( /"

& " !!"" 0 & /(* $ 5'! '+'

5 $!4 $!#$ #$ $!1 5, : !% !

$!$!% #+ !

'+'

!$!4 $!1 5, + ;'' !

)%$!

$$!, 0 $ 5,' : + , %$ $

>, '; !#'

5,! + ' ,' !D ! 0 0', 0% $!

! , ' '0!% $! 4'41 ,!!1 4!% ! $! A$ !#'

'% '++ - #% 0 !'4 !

!#'

0 5,' : + '# $ !

>, >!0 '

$!$!

'% 4 !! !$! '5 , !+,'% # ' , !$ 6

*,%# &'

5 ,!

0% , -"- - - 0 ; - ! < "( & & < "( ; - - - (

1 ! - "( ! 1$2"

- " !

"( , &"

# !

0 6 &

/ -"- - - (""/

4 % 0 - - (

0 "

- - 0 "

9 & " !

# $

!/ & -(

0 /(:" 8& / ( "9 &2& & -(

"! !

(& . ( /(:"0

& -

(!" -

"" &! "

"& "

&- 0 8& & ( 0

& =& -( ( "

& -&!

.& "

&- (/ ( " (. .& " 0

& .

- &

(! /

""& 0 "( !

# )

( & , / &" " !

/(:"0 &"

- - ("" &

-" 9 & - &( & -

0 !

"/ - 0 & / /( (""/ !

# % 0 &"

" - - 5 !

/ !

" - -" &! !

& - 9 &

/ - & 5 "! -

! < "( . ""-

""& 0 !

(5 / - ( - (

- &( ,% ,% & ! "/ !&!

( "

( / ( ,%- -

((

- >"

- /! 0 (- (-

< (", "/ & - -

(!" /-& "

- - (

(( ! " . &" & 0

/ .& " -"- - - / !

# /(:" &

0 ; - & & ( -&( /"

& " !!"" 0 ! 0 - ( / " 0 - "0

(- 5 !" " &"

& / -"- , &!!

& -( /9 2 9 &

0 0 ( / " - 0 ! & /( 0 ! 0""

! ? 0"" "

" " "/ 0-

& ! -0"" "/, 0 - ( / " "

4 0 0 ! - !"" . .& " - "/

(

"& 0

& / -"-

@ ( - !

# + A ;

0 "

& " "(

0 # '&( "

" ( / " 0 /&" - .

/0/ - "

& " ! , &- !" - ( / " !! &

4 & & " - 0 # '&(0 -&""

" ( / " 0 - 0 -( . -

"( # '&( 0 - ( / "(

- -

( - (

- -"- (

5 ( / " 6(5 ( & /- - 6(" ( / ".

( !

# - . 5

& / -"- . & -(

& " !!"" "!&" ( &

6 0 &

( :

& " !!"" &

(! /

(! 0 "( - 0 , %

( & "

0 ! "/ 761< ! / "( /6( -1 @B/'&( &

A "/

- 5 - - "

0"(/C . & " "/ $A0

( /(%

<!( '! - 0 ! "( 0

-0 5

" !

& - - "

0"(0 - 5 (/ "

! !"/ "

- & "(&!

/&" - &

(& "

5 %

< "/ - . &""

0 5 & %

< - - "( /

(&"!" + - "/ !!"

&" -

(! !/" %

< .

"/ 5 6 &( %$

< 0 "/

& 0 5 &(

& !">

& - -( . ( & 8& . .& " - %+ 3 < 0 ( "

( /( (

& ""< ((

& !& ( (( & ""< (( -(!" "

# -( &&(

"( ( &

( & %3+

<&( %+

< 0 ! " %

< !

- %+

< -& ( & !! "

0 % +

< +

<! "/ . "( 0 / ( &

& "

( "

6! "&(

< 0 (& . & "

(! %$ 3

< . .& " 0

(! %

< "( . &

(! !/"

"( %33

<D%$ 3

<F"

- 0 G3+A! ( " - !!""" &"

"> . ""/ !/ ( & 0 &"

$ " "" !

!+'%1 $$'

' 0% ! #$%

# $$'

' 0% '# )! *+,

$!'% ''5

!"# $

% &' 1 !5 -< H #

1 %!

" H #