High Court of Punjab and HaryanaFAO/4470/2025dismissed

Reliance General Insurance Company Limited v. Nisha Aggarwal And Others

2026-03-06Mrs. Justice Sudeepti Sharma20 pages

# $% & '( $) * +

$!'!(', - '&

+./.+

01!

23'4& ./.+

%#.

& 56

7 7 7

!!"

# $! " %& ''''

7 7

% ( ) "

)$ *

+$ ,-.-,.,&" %//"

# !%011)$ + ( ) ! 2"

!3( ) 45 )$$+ " ,!1/!.&!&6.7* ) $"8 *

+$ 9 +"+ )

, :

"" " %..1,.,;! <2 5 !" =" = !

# = =8 +" "

< = " " > $ ? $! ) .1-& !++!

) :*.,*:<*./%;!+"

+ "

+ ! ) )$ + ! )$ < " (" " <2 5 $ +! +) "

( " ! "

! <2 5 =@ ! +) )+ ?

.%%1%%.1,.,; ,60!;.-* ; A"+! + " +"+ - ?

+ " !"

+)$ ( ) *

" !

$ !

&&'(&() *&'+,- . " ./ .

% 0 / 0

1 2 / 3 4 * 56&(6 5!6&7 )* * (3 * /8

) 8

/04 0 ,

* 0 -0 9

/ & " =

! ( ) + + %&@ !*

+$ )$ + @! / )" " B

+$ + ) ) + "$+ ))! " !+"

) :*.,*:<*./%; )"

@ "

"" " $+ "

)+ + )$ + % & + )$ ( ) 8

6 @"

"+ %& )"

*8+">*% +

= "

+" @"

8+$ 8"!" 2""5!"

"+ $ ) 8 + @ !

! )$

"+7 %& + 1 "

)+ +$ " >*;! ? C8 ! )

$ )$ ( ) >*;!

)$ 9 D "

! " $ ) + ) 0 ! )"" % &B+

)+ 9 $ )$ ! +" ! %6;

"""@"

+ =E"

/2 """5!

) )$+ %&

+ !

( ) $B

+$)

"$ %. @"

++$= " $" + $ ( *+ + "

)

9 %% D "

! " + %& $ !)"

+ ! ) +

" %; :" "

! " ! *

: ;) ((<; 3 (

= 8 3) "

% * ()< ; > 4

% !

&&'(&() (,<;> 4 "

$ #" !

,/8

? 68 %

(-<;> 4 *

@ ("%$ / @ ?0/.= 3

>/8 *

A <" **

! (&() !

A <8 0 /B /&- =6 (7< ; > 4 * 8

@ 0,

@ " 0 8 @ (&()6(&(, !

A < 8 8 0 B/&-/ 7&=6

8 0)/BB/, &=6;> 4 * 8 !

/8 0(-/,,/B)7=6;> 4 *

* %

0 /B /&- =6 * * ("%$ / @ ?0.= 3

>/8 8 8% .

(C<;> 4 )

$ /" 4 .

/>!.34/ *

D !

9* 230

&'(&() (CB/ )&,"3 4

+ </88 6

@ (& ;8

@ , * 4 ?

/ &&'(&() 3 4 * 56&(65!6&7 ) * %

8 (7&B(&() ('<;> 4 * 8 * 56&(65!6&7 )/8 8* ( *

,/ * 8 230

'=(&()8

@ '8 *4 8 6

@ (& (B<2

* 8 8 / > 4 *

* 8 8 //

* 8+

3 4

>D "

0 1

/(&((A(< >07(CA E?<F

1 G D

/(& BA,<> 8? )&',A E?<F

: 3

3 4>D.

E/(& 'A,< > 8? )& (A E?<F

3 4>D G /(&((A <> ? ')CA E?<F : 3

3 4

E/(&( A)<> ? (--)A E?<F 3224;% 1 3 4>D$ $ E/ (& 'A)<> 8? ( '

A E?<F

* > ED0 8

E/(&()A <> ? (BA E?<F

$ G E"D0 $ E"/(&( A(<> 8?

(-&A E?<F

0 E"D4 DE/(&()A <> 8? C&B A E?<F @. % D 3 4>/(&(,A)<> 8? ())& 4<F @ : 1 3 4

>/D> %8 $ E/(&((A <> 8? 7'(A E?<F @

0 4 " D0 ?

>E/4

-BB (&&(/

&B(&&BA 4<F @

1 G* ED: 3

3 4>/(&(,> ? 7)'A 4< )&< /> 4 ( * (

3 *

/ (3 4

/> 4

) <;> 4 ,3 4

8 *

230/8 %

* ;> 4 * %8 &&'(&() 6@ " $ !

230

)(<;> 4 6@ "

$ 8 3 4 I /8 * / % / 8 *7I

8 * /8 // * *

))<;> 4 0)2 @ /8 @0)=) * @

* * * 3 4

),< ; > 4 * 0, 1 / 3 8 %

8 6 8 8 ;> 4 * 3 4 *

* *

8 /( )-<:

D0 1 "% A <* >0 9/ B'

A,<

4 -7BA 4<

)7<3 *

)C< " $ #" !

? 68

;8 &&'(&()/

8 8 !

A < 8 % % / " .

% > %0 @ !

8 8 % 0

1 / 8 *&'+,- ./ /3 4 * 56&(65!6&7 )/

" . /8 8 * * /8 * 8 !

8 !

8 / * )'<;8 8 / % !

4 ?

/ 8 * "230&

&'(&()8

(CB/ )&,6" 3 4 ; 8 !

A <8 5;

.5" 8% 2

.= 3

>/D

/G : /? G /

% )B<;8

4 " $ !

@ /

4 " 8 @ (/

D % !

@ )/

@ ,/ "

4 0% !

@ -/

4 !

A < @ 7/

230&

&'(&() @ C/

6 !

@ '/

5; !

@ B/

.5" !

@ &/

@ (&()6(, !

A < @

@ %8 @ (/

3G !

A <

@ );> 4

= C)4 4/

A < @ '/

8 @ B/

6 !

A < @ (&/

(&() !

%6 E (/

7!(&() !

%6 )E ,/

(&(, !

%6 - *

,&<3 !

@ ("%$ / @ ?0/.= 3

>/8 *

A <" **

! (&() !

A < 8 0 /B /&- =6 , <2/

@ 0,

@" 0 8 @ (&()6 (&(, !

A < 8

0 B/&-/ 7&=6

8 0)/BB/, &=6;8

/8 0(-/,,/B)7=6 ,(< )

$ /" 4 .

/> !.34/

D !

9 * 230

&'(&()

(CB/)&,"3 4

A </88 6

@ (&;8

@ ,

* 4 ?

/ &&'(&()

3 4 * 56&(65!6&7 ) * %

8 (7&B(&() ,)<" 8

/86@ /* * * ,,< / (

@0 A

&-&7(&() &,&7(&))</

04 A

&,&'(&&B &)&'(&(,< * 56&(65!6&7 ) @0(

@0)A

& ((&(( &B ((&()< ,-<2/*

/ , 3 4

@ 0 G

/ 4 > /8

2 " .4 ?

/ 8 4 4 &' ,7<; 8

8 / H %

,C< 2/ , 3 4

@ $

/ / 3

>/8 ** 8 !

&&'(&() " / !

&C+-- . &&'(&();8

@0(=

,'<; 8

;8 !

A <

,B<0) 0.

/ 2 @ .

@0)= ?

,-3

" * K * G $

K @0)=(? @0)=)

4 @0)=,/

3G @0)=-;

K 230/

% ?8

* !

6 * 8 3 4 3 * 3 4 / 8@

.0;8 @0)=) -&<; 8

; 8 8

* ,3 4

/8 3 4

;

8 *

?/ 8 * - < 0, 1

/ 3 * @ * , 3 4

/ 8

H * & &-(&(, @0,= ; 8 8

8 8 * ,3 4

/ 8 8

@ 7

H ./

8 *

4 -(<2/ @

8 * =

;

@ 8

* 8 3 / ,3 4

@ 0) 0.

0,1

/8 8% ,3 4

-)< * * ,3 4

-,<;> 4 ,3 4

2308

%8 H @ ,3 GG0)'8 " $ #" !

/8 ?/

230

./2308

/88 6 230

&'(&()

H H 2/ 230 /

2308 * ?I* ?

4 * ?

: 1 3 4

> D> %8 $ E/ (&((A <> 8? 7'( --<2/> 4 ,3 4

H *8

230 8

3 *

8 3 /3 *

8 1 G* ED: 3

3 4

>EA < * > 4

8 * * ?I* 4

/ 8 L

8 8 % /

* -7<; > 4 ,3 4

*6 )@( K *

8 ?

7H K 8 8 *8

6 !

/ @

*8 /8 8

% 2/ * *

-C<?/

8 " $ #" !

8 / !

3 4 * 56&(65!6&7 ) -'<; * 56&(65!6&7 ) * * @0

8 8

8&-&7(&()&,&7(&))/@0( 043 4 * 56&(65!6&7 )/8 8 8* 0 ( @0)

* /8

& ((&(( &B ((&() * * ,3 4

-B<;/ * * * /8 8*

( * ,/

; 8

/04

7&< ; > 4 , 3 4

68 " $

6 @ '

8 * !

8 *

/8 7(<3 8 */

" 8 * 8 8/

(D %

* /

," $ #" !

-0% !

8 3 )/ * 7)<" / *"

A@ 7< !

/ * &, & B'- ; &&'(&()3 / * % )CM / 8 N)76,&I 8

N -I 7,<" H / * * 8+ 7-< ("%$ / @ ?0/.= 3

A <;8

! /(&() !

/ 0 /B /&- =6

@ (=22/ ,

@" /0 !

A <8 @

@ @ C

(&()6(&(," ("%$

@ (=2/

* % 0 /&&&=6A < ?/ !

0 /&&&=6@ ( O0((/B(/&&&=6

77<" / 8

8 3 4

8 !

8 )CM / * ,&P 8 * 8,& 7C<;*

; * @ * % , * *8,67 7'<;

D G ; 4 "9 (&&B "4! (B'/ 6*8)76,&/

7B<" /?I* 4 5 3 4

9 0,&/&&&=6 * 8 8

* * &P ;/

0,'/&&&=68

/?I* 4 3 4

I A <

0 -/&&&=68

@ 0 -/&&&=68 /8 * * &P )

&(& C;/

0 '/&&&=68 @ 0 '/&&&=68 C&<;> 4 ,3 4

/ 8 / * ("% $ /

0,-/'-/((,=6 8 *

0((/B(/7 (=6? 1 "

* 3 /> 4 .? 40* D.

0 ; 4 9A BBB/ "4! &AG *

4<9

+ <3 ("%$ /

0,-/'-/((,=6 8 *

0((/B(/7 (=6? 1 "

?8/ > 4 ,3 4

* *

/ 8 / * *

C(<" /

* 8+

? "A 0 < 3

@ (=2 ₹((/B(/&&&=6 2 #,&P ₹B/ 7/'&&=6 ;

₹)(/&'/'&&=6 > @ 7/C)/--&=6 ;

@ (-/)-/(-& G =,A* &- = < (-/)-/(-&=6₹7/))/'

(=6 O₹ B/& /,)'=6 .

K< ₹ B/& /,)'=6 .

A -< ₹ B/& /,)'=6@ - O₹(/'-/( /-C&=6 > ₹ ,'/&&&=6 > ₹ '/&&&=6 2 @ ₹ '/&&&=6 ₹

C)<" /

3 (

*3)

; 8 * > , /8/

* 9

%- @ " "

" ! " " +$" )$ ( )

" %& ( ( ) + $ 8+

+ $) >*% + F<!" "

! $ %..1,.,;) 1-& ! " < =8 +" " ? $ B = =! ) :*.,* :<*./%;+"

+ ) + )$

= <!

" "

(

++$= @ ! ) ( +$" $*

+ + )

* 8+

%/ ( ( ) "

%%1%%.1,.,; ,60;.-* /*< "

! %6; /*< + =E " "" "

" <( + $ ?

! *+ +

+ $

) )$ + %&

8 %6 ("B

= $ " + "@ !

)

($*

+ $ ) +"""" "$!

/62 """5

)8 ) "(

8+ )$

+$ " " + %&( ( ) $) " *" 8 " ! )$

+$!) ) "

$ " " E "

+ ( )

++ $ + % & $ 9 ) "

" )) )$ " 9 + ( ( )

$= " $ + %&

$ )

+ %0 ( ( ) $ +

$"?

)$) GG;1)

+" " +

9 +

+ "

$! " !) "+ ,.

" $*

! + $ " " $ ) ! ( ) $

" "

) :*.,*:<*./%;( " )

"" "

+$$

" )$ ,% $!" )$ ( )

" "" + ,,

" )$ " B

+$ ( )

)$ + % & "

+ +$ " ! + " )"+ ,; ?

+ ! ( ) $ ₹

+" -&!1&!,,-7B!+ $

) $ "

"" +$+$"+$!"

₹ + " ,,!0,!/%,7B

$) )$+$ " )"" +$ ! )" ""

+ "

$+ "

)" 8)$+$ +$ ) $ ) ) "

+ + $) # ,-

+ )$ " )$ " )" !

+ ) + +

# ! + )"

" "

)$ ) + " 4

+$+ ,& )$ "

+"@4)

+ !"#$!%$!&'!('" ) !#$*%!+ %",'!%-*./!%0#1(%'23453$)$+56 ! + "(

+ " + " "

(" + 8 $ )"

+ ! " ! " )" ,/

")! "

)$ ( ) " + ++ $)+ %& ,6

")! 23#-3## 2 ,1 !"$! "

7 7

+./.+ > =7* = = > ) H