← Library
High Court of Punjab and HaryanaFAO/6991/2017allowed

United India Insurance Company Ltd. v. Parmila @ Promila And ORS.

2023-08-22Mrs. Justice Amarjot Bhatti8 pages



!"

# $%!



$

&  %'

!"

# $%!



$

&  %'

!"

# $%!



$

&  %'

!"

# $%!



$

&  %'

!

 &# %

!

 &# %

!

 &# %

!

 &# %

%( ()(* + ,, +-+.(* + ,/, +-+.(* + ,/, +-+.(* + ,/, +-+.(* + ,/, $+(* +*0 4*, $+(* +*0 4*, $+(* +*0 4*, $+(* +*0 4*, ,,, 22(550+ 6(

0150 150  0150 150  0150 150  0150 150  ,,,%(

%  %  %  %   8 4"

9,

$9!"

 !

 !!

 8 4"

9,

$9!"

 !

 !!

 8 4"

9,

$9!"

 !

 !!

 8 4"

9,

$9!"

 !

 !!

( (+ , 6+* 0-*03:

*).0( 022(550+, , 90+*((2 <50:

*).0( =.

>?(. @@@@@

 !

 !!:

 !

 !!:

 !

 !!:

 !

 !!:

, 022(550+$+(* +*0 4*, 0

2( (+ 022(05 0A0+ 12-A+(*

0* ,,

501

!>-+05:

0(0>0* )*(

=.5010+

>((+ ,::= (B-05

0( 05+A ,CD 0++-1 *0( ;5+A 55

(05E0+:

*(05(* ((+,

=.5010+

.

((F+A (+0+.(1(+ ,C::= /D 55 (05E0+ 01-+,

,

0150 150

 &() -+*( 9(.+

6(.5(

.:

// 0..-+ *(0

+9-1 1 )(.5( 0..*(+,

40( 9-1

0>-

5* 1( 0..*(+, (

-*(+ G .50

( (52

;0(

F 2, + ;0(;-5 *03 /,,

0>- 

:

9-1 >0*(* 2)0(

(A 0+ ,%&=C

+(* ,9 05 !!

 2(0)( 9.(3 41(*:

 0

92 )550A( .05 A

-+0 0(+*

.5,



-+.5( +01(53 90300+ >0*(*

1,

B-( +

>(+A *)(+

A

2((* 0 +(A5A(+ 10++( - 0*(+A 0;;.

-5(

H(+

(0.(* )550A(

0+*5 <-*:

F

02 -+ A

2((*:

*-(  9-1

0+*+A +(0 ;+ +* *-( )( .*

;(55 *+ 0*

-+ )( -+*( (0 3(

( (.()(* 1-525(:

A()-

(-

+?-(

*(*

2,

;5(* 003

2,

25.( (.*(*

0(1(+

-+.5( 90300+:

>0

, /,,

(A ((* -+*( 9(.+

= 

 0A0+ ;;(+*+A )(.5(,

+ 25.( 2

+ 50(

0( (*, 0..*(+ 250.(

5(53 *-( 0 +(A5A(+ *)+A ;;(+*+A



A0+ C::=

2(.-+03 5

,C::= 5

5)( 0;;(.+ (0. 2(+(:

,C::= 5

0( ,::= (I2(+*-(

 +.-(* 0+ 20+ (

05+A  D 0++-1 *0( ;5+A 55

0.-05 (05E0+ 2030>5(

50>05( ?+53

(+(0553 . ,

.+( (*

, ,

, ?+ (+

0(1(+, !(3 F 2(51+03

(A0*+A 10+0+0>53:

.00.+:

5.- 

0+*:

1 ?+*( ++?+*( +(.(

03 20(

+ 1(

25(0*(* +

-. 0..*(+ F 250.( A)(+ *0( 1(

(A 0+ ,

%&C

(( *(+(*,

-(* , 2(* ,,C C,,

10++( 0..*(+

*(+(*:

0..*+A53 *( ()(

1

05, J ,  0*1(* ;;(+*+A )(.5(

-(* , ()(:

->1(* ;;(+*+A )(.5(

0)+A )05* &)+A 4.(+.( 1( 055(A(* 0..*(+,

->1(* ;+(

2)0(

(I2(* >(;( *0( 055(A(* 0..*(+,

0> 5)(*

50>53 0+,

0(* (( *(+(*,

203(*

1

B-0 (+A J 120+3, C,

1 25(0*+A

20( ;55+A

-(

(( ;01(* !>-+05 

H(( 0..*(+ B-( + F 250.( /,,

*-( 0 +(A5A(+ *)+A ;;(+*+A

  )(.5(

(A 0+ ,%&C

*)( +, 9-1 (I2(*:

;

(;;(.K

  ;

-( +,

2)(* 0;;10)(:

(( 2(+(

(+5(* 0+:

 1-. 1K

  H(( ;;(+*+A )(.5(

5*+A )05* (;;(.)( *)+A 5.(+ 1( 0..*(+K %  

H(( ;;(+*+A )(.5(

>(+A *)(+ +, )50+ (1

.+*+

25.3K % C

%(5(;

*( 2)( 2(+:

, 0150 150 ( (5;

(22(* + +(

>I

H,

(I01+(* 90300+

H (+*((* *.-1(+

"I, "I,C, , *( (>-

(+*((* *.-1(+

"I, % "I, .5 ()*(+.(, .-+ (5 (+*((* .23 5.3 "I,%C .5 ()*(+.(, /,

;( (0+A 0A-1(+

0*)0+.(* .-+ (5 > 20(

0150 150 &()

055(*

+A 12-A+(*

0* ,, )*(

C ,::=

*(05(* ((+ 5*+A 50>53

?+

()(05,

((5+A 0AA()(* 

0*:

2( (+ 022(05 0

>((+ 2(;((* 022(550+=+ =(

.

,, , 4(0+(* .-+ (5 0

0A-(* 2( (+ 022(05 B-0+-1 !>-+05,

0A-(* ).1

3-+A >3

0A(

-*(+ G:

((;(:

(

(0++A 0+* ;0153,

501

!>-+05:

0(0>0* 5( A0++A 0

+.(0 +.1(:

*(+A ;--( 2 2(.

CD

(0* D +.(0 (, ).1

3-+A >3 (

-+10(* 1-525( 0

>((+ +A53 0225(*

501

!>-+05:

0(0>0*,

0A-(* ).1 >0*(*

)(.*(*:

((;( ((

1( +(A5A(+.(

20,

203(* B-0+-1

501

!>-+05:

0(0>0* F+*53 1*;(* (*-.+A

01( *((* ).1

;0-5,

, + 0+*:

20(+

).1=.5010+

.

+.1( 0

>((+

5(

).1

5* >3

A+A

.5 G .50

( (52

;0( 1(.0+.05 F

2,

+.1(

-5* >((+

,:= 1+:

022I10( 1+1-1 0A(

2()05+A 90( 030+0

  

=

>?(.

>((+ A0+(* 5

5)( 0;;(.+,

0

>((+ A0+(* -+*( .+)(++05 (0* ((;(:

!>-+05

+0*(B-0(

5(

2+(* -

+, =

>?(.

(+5(* (.()( /D 0++-1, ,

*((* 0A-1(+

A+( -A (.*,

(A0*+A 10++( 0..*(+ F 250.(

2-(*,

*1(*53:

).1 /,,

0>- 

 >0*(* 2)0(

,%&C

+(* ,9 05 !!

2(0)( 9.(3 41(*:

 0

2 )550A( .05 A+A

-+0 0(+*

.5,

2+(* -

>(+A *)(+ A

2((* 0 +(A5A(+ 10++(

(+ (0.(* )550A(

0+*5 <-*:

F

02 -+ A

2((*

-5 ).1

0+*+A +(0 ;+ +* *-( )(.*+A

;(55 *+ 0*

-+ )( -+*( (0 3(

( *(*

2,

0+* ((

1( +(A5A(+.( 20 ).1 >0*+A )(.*(*

*(

5* 0+3 A-+*,

*-3

.+*-.

2

(+A(

>0*+A

+.(

;-55, ).1

.5 A+A .5* >0*(* .*(*

(0.+A

.5 1(,

2++

2+ >53

.+*-.

(( +-1>(

(+A(

 (( .0(*

 

2-2 .0++ *()( 0+3 >(+(; (A0*+A 50>53 01-+ 0+, 9(.+*53:

B-0+-1

2-(* .-+ (5

(55

=.5010+ =

>?(.

).1 +01(53 9-1

3-+A >3

0A(

-*(+ G:

((;(:

(

(0++A 0+*,

055(A(* ( (52

;0(

F 2,

+ *(+A 0A( ).1 (

-*(+ G:

;--( ( .-5* 12)(*

B-05;.0+  ( .-5*

F(*

;0(

F 2, $+*( ..-1 0+.(

+.1( ).1

03 A-(

F,

+ *(+A 0;(

+.1( ).1

-1(*

:= 1+

5(

*(

B-0+-1 +.1( ).1

,:= 1+ (53+A -2+ 0-3 .(*

 ) C 9-2(1( -  ) C 9-2(1( -  ) C 9-2(1( -  ) C 9-2(1( - +*0 +*0 +*0 +*0:

5(* L%0?(

%0?> 9+A

%0?(

%0?> 9+A

%0?(

%0?> 9+A

%0?(

%0?> 9+A M:

(

A0+(*:

D +.(0 +.1( *(+A

;--( 2 2(.

.1(

- :/= 1+53 +.1(

:/= 0++-05 +.1(

::

=,

9-1

-+10(*

20(+ +( 05;

+.1(

*(*-.(*

+05 (I2(+*-( *(2(+*(+.3 20(+

,C/:/= *(+A

0A(

1-525( /

0225(* 

1-525( 01-+ .1(

-

/ ,:C/: =,

501

!>-+05:

0(0>0* A0+(* ,C:=

5

5)( 0;;(.+ ,/:=

;-+(05 (I2(+*-(,

(53+A -2+ 0-3 .(*    



/ 9-2(1( - +*0



/ 9-2(1( - +*0



/ 9-2(1( - +*0



/ 9-2(1( - +*0:

5(* L91, 9050 6(10 91, 9050 6(10 91, 9050 6(10 91, 9050 6(10

&(5 !0+ 2 20+ 0+(

&(5 !0+ 2 20+ 0+(

&(5 !0+ 2 20+ 0+(

&(5 !0+ 2 20+ 0+(M:

2(+(

A0+(* -+*( .+)(++05 (0*

,(, , := (0. ;0)- 20(+

5

-1 5)( 0;;(.+

+:

, :C=

5

0( , :C=

;-+(05 (I2(+*-( 05 01-+ .1(

- ,:: =, 0( /D 0++-1 .501(*

=.5010+ =

>?(.

A(

501

!>-+05 A0+(* ,::= ;0)- 20(+

01-+ ;

05(0*3 20*

50>5( 0*?- (* 0;( 01-+ 20(+

(+5(* (+0+.(* 01-+ ,(, ,: = (B-05

0(

05+A D 0++-1 *0( ;5+A 022(05 55 (05E0+ 01-+,

022(05 2(;((*

(55

.

=.5010+ =

>?(.

0..*+A53 2

0* ,,

501

!>-+05

0+*

1*;(*,

,/,   !

 !!   !

 !!   !

 !!   !

 !! 9-+5 &()

$&#"

$&#"

$&#"

$&#"

H((

2(0F+A=(0 +(* '( =  H(( (20>5( '( =