← Library
High Court of Punjab and HaryanaFAO/4001/2018dismissed

National Insurance Company Ltd v. Gian Kaur And ORS

2022-11-10Mrs. Justice Manjari Nehru Kaul8 pages



    

  !"# $%&%!'( ))   

  





 











  

 

 (  +,

-) -  

. ,

  !

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

!

 

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





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

 

. , /) , 0   $1# $

2

  $ 

2 *3)-+)*,

 1  ! 

  0 " 4 $

$

 50 56 %&'())*'+)*,    1   $

  1    

2 %&'-.*('+)*. 1$1

 $ 2  0 $ 1  

0

7  " +,

" 2!



2  # # 1 8*)'9 ',:*+ ;  ! 8187" 2# $ $ <  2   

" 7  $ 0 # $# "07 "  ! $ $  07    $ " !  



#   2   1   8)+':),:  4 $

$

 5$$ 56       1   #  1     #      0  $$

#  2

$

2 



 1  8! =#  $2$$ $  #   "

2$$  7$ $   2 1 1 70 7$  2    >$$      "    1 $       2  $      0 

$    # $ # $$ 

 

 # 

 1    ! $  81 $ $ 1 

?2# "

2 

1 7 $

2 1$  2  "$$ 2 

%  ).@+)*3     -)('    +:.    2   $

  8  &    1  $         #   "  



2 $2  '

-0) !) # 1!2'

* !    :"3))@'

+ %

4()A6  -")()@'

- $ 



 *)"3()@'

( B

2  

#

> 4*@- 6  -"C(:@'

C B   :").-@'

3  $   

$5*:5  :").->*:>*+D  *("(3".:+@'

: %  >

 *C")))@'

, 

$9   *C")))@'

. 

  ()")))@'

*) 

 +C")))@'

0   *C"(*".:+@'

 



 

2 

## $$$ 

2  

    $$  #     1  $       >

$ 

  1

1 0 

#



  $2  2

;'+

1 "

# 



;'-

1   2                 

1    ;'+ 

1   "  $       $$

#  #$  2  

1"$ 2

$# 2   2 $ 

  $$$ 2 *:) $ 2 )C3$1#

#"  #  1  

1  $         #   

7  2  



$$ 

$  7   

$ 





 $  $ $"

$# 

#$ 

   $ 

11

2 $ 1 1$$   1

$  7 "  "   1 2 #  $  1"2# " 2

$

1 

$ 2   11;'CB # "2 

      $

$  $% < "< 2



1;':  "B ""B 0 0  ;', 2 "2 $  # '

'2 $$  ?

1;': 

"B ""B 0 0  "   





$##$

##   1

1 1 ;':  "B ""B 0 0 ;',

2   $% 2  1  

< 

 



1 0 

#

   <  $ 4?E6" "

"2 $ $  ##$  " # 2 $$$

# 



3

   "2# "

#    

1

   1   $  

   

1



  $ ! "22

  $

 2  FF 2 2  

1$$ "1! =#

$2$$  0$$

2  7 21 $    # 1     $ 2 $  >$$   1

1 1;':  "B ;',

2 $  # 2 $$$  1 "2# " 2 #

1 4?E6"

 "

?

1  

   #$$ 1

8)+':),:4 2$BF 62 = !

$ 

$ 

?

1 1 2 $$ 1  

$ $# "  $# 2  #1 ?

1

 49>;'+@+ ;'+@+(6$$$    #1

2   $$$ 11  $    

1

   1      $    

1 2 $ 1$ 

4

     $$  #   2    ##      

   < "  #$ 

   $   1

1  $

"  $1

21 

 #" 2 " 2 $

$#

2#

   2     2  $ 

1  # 12

 $



$   1  1$$  

 2 

< 1

$ 2 

 2 $221?51

  

National Insurance Co. Vs. Pranay Sethi : 2017 SCC 270 Magma General Insurance Co. Ltd. Vs. Nanu Ram alias Chuhru Ram and others, 2018(4) RCR (Civil) 333 

1

  "2$ 

 $  

 $ 

$$"

    #"2  



1

10  #  $   



#   0 

 $$



1

 1        $    

   <     $ ##  $    $$  #   0  0     1 #1 2 $$ 1  

$ $#  $ "

5

2 #1# 1   "2# " 

 2 #1>1 9>;'+@+9>;'+@+(

  #$$ 2  $  

# 1 1 0    2 2 $ >$$   $

"1$ 2 2  $ 

# "# $ 11 ##$ $$ 

 0 



2

1

1 

$   *-"2 

    

  $       #"  #    1 <     # 

$$"

   #0?51

 

 

   $ 

$ "

$  > 

2 1

*)A  $ #  

0 $ " 2 1 *)A    1#' #     2Pranay Sethi's case (supra). ? "

     $        #   

$ *3"C))@' $ 

$ $  > 8   " "2  "22 



$ "  ((")))@' "$ 

$$"

   # 0 

1 2 1 $2 '



-0) !) # 1!2'

* !    :"3))@'

+      :"3))@'>*+D .*"+))@'

- %

 4()A6  .*"+))@'>()AD -3"(,)@'

( 0    .*"+))@'  G   -3"(,)@'  D  *"+:"3,)@'

C B



2 

> 4*@- 6  *"+:"3,)@'4@6-D (+"C3)@'

3 

 $     $



 *"+:"3,)@'  4'6   (+"C3)@'  D  ,C"*+)@'

: !



*:

, 

$$

 

 ,C"*+)@'>*:D *("(:")()@'

. 

  ((")))@'>-D *"-+")))@'

*) %  >

 *3"C))@'

** 

$   *3"C))@ 0   *3"*+")()@'

0 " $ "

$  *3"*+")()@'  2 H,A  "

> $  "$ $$   F2 1  

   1 0  

 "$1

 %&'())*'+)*,  

$1  %&'-.*('+)*.   $1#   ))   

. ,6    ; 7 @  I @ ; 1 I @