Iffco Tokio General Ins Co Ltd v. Parmila And Others









    
 




































  

 


  






 


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

-
**''

.( /) 
0)'

 1 
*  22222      
 

 22222 

 


%(

&(* 3
 3


1
**'' 


/(1'
/13
 3


* 
4


22222  

  !  
 $1
**'
1
5
'
5+
1
**''
( 
)*+ %6


6

 1
)*(6
7
 
   8
* 5+



#')
$5('3
917

1 3
:

$5(';
715+
')
*


'
5+
* 
4

 7
''7

1+
7
6 1


'%1 '6
7 1
 
<
=>
*
()
)
1
 '6

')
*


''

'? 



(

0+'
6 5(
=
+
(61 

* 
4

3


) 
1 '



  $1
5


 



  8 
91'
)3
*% @73
1)53
0+'

"17
7
''6

/ * 56
6  
4A  

5+
B+

1+
7

)6
5 %
)
C1 (B
/1+)B

5(
! )
71
1+  1

1


''6
3

5(
56
6  4D 0 ==
71 1
7


1

6'6
)
5+



)
)
1
** 






5(61 5(

76




)) '+
1

5(
 ( %
6

/ *

5+
B+


('



3
1


(*

/ *

1
*6
''6

5(
( 
B(


(



*%
6
5(

+

@7

6

+


91'
)E95 3
0+'
6
=
+ (61 

/(1
C()E0)'3
1)5


/ 

B+



/ *3

"
4 
 
  8 
7
6 
0'


/ 
(%613
 

D1(B((
B 1
7 6

 



$1


6
5(
7
7
5+ * /1%( '



7
(
7 1
"#
$% &'
"( 
#)*+
,)   91'
)

95 
56
* 

*%

@7
'
7 * 
')
*


(
/


88
 
.1 '


 ,%7
/(1
C()

0)'
'
* 
')
*

56
* 

0+'
* 

 1
 
'
' * 
')
*


F
1
B(
*
'
'
* 

')
*



  ''
')
*


7
'(55

''76
(
7
) 5+
1
$5('

  G1 1


(6

*%3
B+3
0+'3 @73
B+


1)53
"17
/613
1)5 
B(

91'
)

*%
%
*' 
   8 
(

1

6'6
6

5( 4D

0 ==
5+


71


1



H( 3

''6I
00  "

(
4

*3
71 1
') 



'

3



71
)(

)
71)I 00  G1 1
1



6
1 '
)'+
B+


+
/61
7

16

'
6
'

 


)



I
0  G1 1
')
*




) 5'

* )I
0 = G1 1
') 
1

' (
 
'
* ')
*

I
0 8 ' 
= $1
') 



*
1
3
J)
0G
0)' ) 1

 
0+'3
0G
D6 

77

"17
/613 0G
95 
) 1

 
*%

@73
0G
C)'1

77

1)53
0G=
/ 1
C()
$J
 3
0G8 1%
3
0G

9,
963
0G
/( 

77

B+

 C()3
0G!
K'
/613
0G
91'
)

'
*(   ()
FJ0

1
 1
1
* 
*( *+


(
*'

+3
FJ15


 () 
)%


= 8 


16
('

1
* 3
1
$5('
*

''

1



*



))
7
 
   8 * 
4


56
* 

 0+'
7 6 1

'%1
'6
7 1
  
$1
7 
1
(
 1


6
5(
7
1'
B '+

''+ '5'

*+
1
)( 

 96
663
1
**''
( 
)*+
1
'
1 **'
6 1
7
 
   8
 "
1
1
('

1
*  ! $1
('

1
**'' "( 
#)*+
1








 0+'
7
=
+

6


*
1
'7 '
7
5+
AL5'
/(*)
#(

,-./012/3/0 014.

 /3//0  -  
# #'
 83
1
 '
  


5
%


 3 E
*
()

A73
$5('
71'
*6
1
)*(6


 '
 )
 0+'


= 3 E
*
()
$1
('

**''
1
( 1



*
1
 
'
7
 ,-./012/35- 
(*3


(
1
 ( ( **




5
7

1
* 3

1
5
61 '+
1' 5+
1
$5('

$1
('

1
**''
1
( 1



*
1
 
 1
AL5'
/(*)
#(

,-./0 12/35-

(*3
1
* 

 



'

6



1

=
' 

1(
1
7



' 
*


(

* 
4




)( 1
161


H(


5
 '
7


=
'    
1
 1
1
1
('
**6

51'



') E* 
4


71'
(** 6
1
)*(6 7
1
(5)


1
 3
1


%
*'  
  8 3
71

,-./012/35-

(*3
1


1
%
*' 

! !!


1
) )
1
'(

(* 1
* 
7 1
*6
 )

1(
1
$5('
61 '+ 
1
 '

 


= 3 E
*
() $1
('

* 
4


1
( 1


AL5'
/(*)
#(

,6,3  22 /3  1%&7%8  19  $&%#

44/:://0  -// /0/

 

7%$$&%# * 

 
=
/##
=3
5

/ 
/ 1('
/


8
 
.1 '


1
7
5 )
(
 (7%5'
(
16
 
 '(6
1
* 

'6

(

 ' 

 
'


J*

+

$1

('

* 
4


1
( 1

$5('
**'
*** 
)('

=

1
 

*

1
'7
'
7
5+
1
AL5'
/(*)
#(

#'
**'

4 8 =

 3
,6 /
/4,10/3
0- /0;

1:2/0 ,:,4

 

   

$1
('

1
* 
4

 1
'
*' 
' 
(*
1
B(6)

.

4/0/3.14/ /3/ /:($&%<*8( 3.,*+%=
71






 +
'
1'
1
 3 3 E
7
6 
5+
'1
A61
#(   "
1

'
 

5+
('

1
*   "
1
 3
 
0+'
6
=
+
7
 (+6

  1'

1
$5('
7
1

' 
'6 1
  1
* 
 1
 

G1'
'

(' 6
1
 )( 3
1
$5('
%
1
 '
  

= 3 E
*
()

**'
)('
=
 
= 3 E

* '
'
1
) 1 
"




)
1'3
1
)+
1
5



('

 '
5


5+

* 
(6
1
'


)


1'

9( 1
7''

 '+
5
1
* 

')





(
( )'+


'
 1
1' 
1+
1

5'
J*



* (+
5

1' 1
'  $1
AL5'
*J
#(
71'
'6
7 1
( 1
 1

)

1'3

/4/>/ ./?/  4/4 19,./   
/##
!


1'

7
6


6
6(*

=
+ '

 

6
6(*
 =
+
'


%6



1
) )
71 1
1'
7
5(61 AL5'
/(*)
#(
7


()


'   1

1'

 6+



' 
 1


1'

1
 
6+3
71 1
 '(
= 3 E
 (
 '
1

* (+
)6
"
1
 



6+3
1
'

 
7
7%
(
7 1
)('

=
71'

6
1
('

( 1
1'

3 E
 1 = $1
AL5'
*J
#(

,-./0  12/35-

(*
71' *' 6
' 
(*
1
'7
'
7

/4/>/ .?/5-  

(*3
7
1
=
'%1
'6
7 1
 
 

' 6



1'
6

+


) 
1 '

71 1
%
*' 

! !!
8 , 
3
1
AL5'
/(*)
#(


44/::/5-

(* 5

%*6

7
1


'63
1
# '

&)

H(

)
1
/ 
/ 1('

/

8
 
.1 '


3
71 1
7



5+


=

!! 7 
!!

"

7
( 1
5

7
)
1
!

+
1
*
5(

))
1
5
)

#
'6 1
6
(*
)+
'

1
AL5'
*J
#( ( 1
1'

/ 
/ 1('

7




1
+
!!
1
5 ) (

 '
(
16
 
 '(6
1
*



'6

(
 

 ' 

 
'

 J*

+     '+
1
AL5'
*J
#(



0/ 6,   ./0

/.41/0  -!$&$$$+'8
71'
'6
7 1


' 6




+
'
1'
 (+6

'3
1


(

.1 '


5+

'


'

7
1
=
'    ( 13

1
+
 3
1
# 
9 1
#(

  8M

'
/.

3  /0  /014.



/ /0  /3  /0  14.

-

  

  3
1 
7
5+
'
$5('
)
=
'%1

  
'%1




= +
'
1'


) 
1 '


71 1
%
*' 
  
71'
%6
  


,-./0 12/35-

(*3
71

1'
6
5(

+
'
1
 





!!

AL5'
/(*)
#(
71'
 6



 3
1 1
 '
 1
 
) =3 E

 3 E
*
()
5+
56

(*
1 '(


''+
 
!!
# 
9 1
( 1
1'

7

 3
1
1
5
''
1
)
* 

1
'(


(*

1(3

1
 '
 1
 
 = 3 E
*
()
! AL5'
*J
#(

/4,10/3
0- /0;

1:2/0 ,:,4



/0/  4.,
 


#
#'
 !3
1'

5'
6( (
 '
1
)'+
'

 3
'
  () 
('
J*
1('
5

1 
<
 >

+

+   $1
AL5'
*J
#(

,6,322 /3'<&=19$&$$ 

'
 ,6 //4,10/3
0- /0;

1:2/0 4  
%8%&$&$$ 1
1'


6

71
1
6



)
1**
5
(* 
=
+3
1
)('

:=;


5
**'   "
'61
 1
5 
)
5+
AL5'
*J
#(


44/::/5- 
(*

1
 
'
7

/0/  4.,5-


(*
(*'
7 1


'
* 

'73

1
5  (
53
 '


1'
6
5(
=
+3
71 


) 
1 '


3


5


1
5


 * 
'6

(

 ' 

 
'

 J*

+
"
1
6
 () 3

1
* 3
71

1'
6
5(
=
+
71
7
 (+6


 1'3

(


) 
1 '



 8 3
1
'
$5('
61 '+ 
1
 '
 )
 1
 

= 3 E
* ()

)*( 
1
'

71'
**'+6 )('

=

61 '+


= 3 E
* '
'
) 1  /3
1


''6'

+

 ) +

1
)*(6
7 #H( '+3
1
**'
'
5+
1
( 
)*+

15+ )
56


) 





 ( 

* 
 !     / /6114@ /,41-. :/ Whether reasoned / speaking?

Yes / No Whether reportable?

Yes / No