The New India Assurance Company Ltd v. Promila And ORS
!"#$%&'()*
((++ ,%$ -' .%'+ %
/( .%
% !%01 23
% (4-$%23 % ((++
/(! 5(%
!%%(!
% 7%4 1$'%2827%) %%(!
:%+)2 2(%3% +'% ;
;2% -< - =(+-< "%3<'%)+>%<%<%! 7/ 1 '4-$(% -(+%<<%'- >"%3++<:%'? >% % 8$+> -< " ++"< ' (% '%)+ >%< %<%! 7/ - 6'4:00.+? % -< " %3< '%)+'%(+ % >%3< % %$+? " " >% % (% '%)+% %1 +1 "+7< - +2- >
'">$ ( '
2 >$ 3<%<%! 7/6 & %% %%% < 3 + ' %' '>+><%3>)%(! @ (-< 3%) < (% <+<'%%$4< '%)+% -< 2" ++"$%'$+(+ <%3$0$%? % -< $$'> 0$%$% >) '? %'+#/! 6 ;
;% $% - ;#.&"%<% '8$+> -< <%(! @ (-< (% +'2% -< " <>$)%<<3<%$+$%%) %'<"%</
A(%' +'"% ($( %<
+'+$< "@-' .%'+<6 )%2'%$< %/$<>$)%2'%4$%< >$)%2'%$< % $4<>$)%' % @-' - +3<>$ )% ++'($% -66 %, +2 '(+< (-< @%3% %(! 28%+ <%27%)/")2= 00% (2-%%)%(%(%'+-7%) %$< &++%21$%$4 %@"% %(! ; !"
#$%&'()* $%% <3 ++'< '( $/
++<" %$ % -< %
<< ++ %( ((%
/(! +(%"%'2" % %( ! ; + 0 "% ' ++ '
%3% % +'( /(!
@ $%'() 4$((+ <3 + B$"><%3%3%' $%(+)2$ $%'()"+>+()) '( +'2$% %$>'< %>$+ ' +$ B$ 4(+2 3$+)2 (($+<+< '+2" "%3< '%)+% <+<'% " $>%3< %%$+ ++ %( (%)% '+ +'( (+< (%2 ++"< $ "% %' C % %$+< % -< 4 (+$% <+<%3<%(! 2" + %3<:$! 7/6& D..
#$! (%3" '$'(%' " ' +'%+D..
C % %"3+ %' $%(+)%(!
+>+()) '(D./
;
/+
: (%+3$((% %%(3 +'
; #$((% %2 +'! -' .%'+< %% %'.C >5'<- 8$+>-< .C
% 2 %(! %3 () %3< + E5 / 2 " % 83%' .+% (%$$%(+)E5 /2()%$(%' >$+<" ++>$7%)/")2= 00% E5 / 2()/&E5 /()%3<+E5 /;
/(!
@$%'() 5'- /0 !%<2 &+%42*<$ %)@$'@-%%)2/= 00% : $%<% /C- 3%- %'2=% 2/2
$%/C
% %<%<$'2 %>$+$! 3$% +'2$! 3$%+'2$! <%(!
/$++)2" +++"< +'(2 (%A+'"%"%'(/ 2
A ()>+>)++ %(0+)3%++) '%" '(>((%"+<3 "%
"%+ %(!
$%'() <<%3 ((% &$%>)")+< (% ((+(%)< '>(2 '($<"%> ((++@$%'()>>+3+>+) ()'( +'
! ((+"<3%( 7"3%2 +)%(! 6 ($((% %$< $+2
" %%'<%(((%(%3
# 3 %+%$+% (%><< %$< %%
%%'%<$'3>)+%$+ % ((++@$%'()" %(! >$ %3%" 3<+<+3+%3<+ ' ++'>) '($%(% 3>$>) *< $ %)2 $% " 4 2 $< > %"2% % %4(+3+%' $% (+) $% '() " >+3 +>+) ') $% " %<% +>+) () '( +'
% 2+%-$+ $% %<$'3 '+)< %(! "%%$>$ %3%7%)/")%)< +3+ 3%3<+$%'() + " %(! " 3<+<+3+%3<+ '2 %%2$ +%$+% ((++>+
% %< %3+ 2 # $< $%'() 4>0 "%' >$%3%" 3<3+3%3< + '2 "3%2($ %<% "%'>) %>$+ $< $"%$4 F
6
$(%3< $"%(!
@$%'()
$%'() + %< $ $+ %%(! %3()%3<+ %(! E5 / +3$ %(
$%'() 5'- /0 !%<2&+%42 -%%)/2= 00%/C2" >%$< $''%% < %3< + E5 / " %" >) *< $ %)$'-%%)/2= 00%: $%<% "
%%%'
%'
6 7 +"%<++)$>) *<$ %)2 $%3*! A /A
7(%3 ()+%<%E5 / E5 / # %5'2 %$ %) %" +%><!& %' $< $ %) ) $ + " <$$>) $%$ %) #$%&'() 5'- 3%- %'2=$%2/2 $% /C 2" >%$< $''%%" %<%+ B$< (%%%%3<+"$3$% (/' 1$'%+B$"$ >) %$ %)>$ %5'2 " 3% $ %)%")%3<+$>))$ %)2!& %B$% 7 $% % ' %% " +< $ %)+) %% +%" 7$% % >%$< %%(%<%3<+
! A /A
G% %$'2 %>$+ " 0$ '< +$ %3<+%(! E5 /2 E5 /;E5 / $+> +>4%(!
$%'()$+>>+3+>+)') $% #)%$($ <%%>) %>$+ %%2 %<$'3>)+%$+% ((++ %<%$'$ >(
*%-$+ %%%0$<'
!
2" % (5&$%>%3 " $>) %3%2" (4%3<+2 $%'() +>+() '( "% 3 + #" $% %>%3 " "% %%3%2 ) %3% 3+%3<+ "%>< 53%) <$ %3<+" +< $ %) $ %3%$2 $%% $%"++>+>+ 0$<'+B$ +($+ %( %+%$+% ((++@ $%'() " %>$+ "% '( $%3+ 2" < %'%'$ >"%"%$$%(%( +%'
# 3< %$< "% " <>$)% %>$+ 4 ' +)'>
/ 2
A%< '$(+)"<%$%< %+3 (% %>$+ ++"
H ' +)%< "%$$%(%(+< %$ %) "# # "$ % &# # '%(
7"3%2 $>B$0$<'>) &$+: (5&$%
)
%# * + !
' ">%3 " " <>+";
)%"+'(+)%5+%)2$ 3$+);
H >+ '"%% # +);
H ' +)' > "%$$%(%(
< ' +)' '$/ 2
I2 ;
J/ 2;
A #%' %$ %) %+%
# ,#
-
+ '
!! " % $'>%('+)''>%;62 $"%+5(>4A; < () +' ' $/ 2
A (% ' 2 $+ ()'$/ 2
5 J/ 2
%>$+ $'$+(+% 2" 4(< 3" < >(%(%+)$ < '(()>+'$/ 2 5 J 2
A
%>$+ "%$'/ 2
A % ++32/
A$%+5(2/
A %(% %< #3"
)
%# * + $(%2 '$ >
"%%++3 +'%+< '($%3+ /
A$ +2/ ;
A"%+%$'/
A $%+5(2+/
A +'('$ / 2
I
J62
A
%>$+ "%<+) "% '( / 2
A '%$/ 62
A()>+>)++ %(0+)3%++) +'"$+>+< %K
H(%$'%' +< +'(++ $+ %+L '$ / 62
A % %<%<( % %%' ++%' '
((++ @ $% '() ++ > + %3% %'$%' +'(%+">)") +< 5$ ((+ >% % &+' %>$+21$%$4 %
C $ '2 ((+++"(%+)"
:%0
!"#$ %&"'
!()$* "&#
'# !+,
"&#