← Library
High Court of Punjab and HaryanaFAO/44/2018dismissed

New India Assurance Comapny Ltd. v. Sandeep Singh And ORS

2026-04-27Mrs. Justice Sudeepti Sharma10 pages

      

     

   

  

  

!"

#$ "

"% "& '(

!"

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

-( ./# 0"0 #)&

1(    

          & 23

4 4 4  4  



        !

  "



#$ 

  %

 &    '

 4  4



% (          #    

  #"     !



    "           %)*+,*%+ 

  #"      

(         

 %--   .  %)//0    1(  23    #" "      '

+4 /'+5! # " 6   !

  "

 

 !"#$"% ! #

,        *-*4,*%- *,'*

         # )8%*  

   9  9 :           ; "7        6      ( 

9#  7!*'.!)*%% # #" %$   

#

"

"    " (  

9 



9      

             

 



        

       

  

   <

               #"  (

  %  $          #    

9    

        ( % $   9    

   

  "        # 

9(

             

      9 =  

>            

?

@=

   A+' ,,*4,*%-   ,+)5''+5''/     7    % ' B           

   

 4     

 



#" (  !



            !

"# $ 

% !&   ! &  &  #    '"  ""       &  

!! 

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

 -  !./0&& & % '

     "# $   &      " #% &

 &  #  # 

    1 .

/&%

  ''

 "'  ' !  " &      #    !

"" ./2

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

 &&""# ! "" ./2 3"#% &  #&) 



) 

  "&&,%&./2

24 8

  9                (                    %         '

+4 /'+5!  =

   !

   "   #  "   =     #&'

## $$(

 )!$&# ($ "% * "

# -     #     C

   "      

                          =





      

      

+A

       

 

"=    "

  !     #  # "  =     "

    #  +  

      5 %    (   "

  #"=



          #         #   $+,-../.01-   #  # +2 3 #  

9     =    "

    #



 /  

    ' "

       "

  



    )          

       %* 7      



              

          !

8/ 

9 &&&&( % ! !  (

"

" 

& '  % / & % '& &&&&% &%

       &"! & & &%

 &  ! ," ! 

&" ' " "  :& &%

 &   % '&%

 & ' !'

"' ' !" "# ""  ;&

 :&%

 &&   % '"( !

) )*)+ & ' !' !& ""

 %#

 &&""# ""& 

;& /  

&%

& &

' %" " %,  & "" 8< &=  "( ! ) )*)+ 712 " %, % ",&"  "#""  & " "( ! ) )*)+  712 " %,  ' !" " &%

 - 

!712 " %, !& "" "( !

) )*)+ 712 "  :& "# &'

,% ' &%

 -  !&' !

' 

"' ' !" "# "" 

;& 

&%

 >& % !&' !'

!& ""  %#

 &&""  "( ! ) )*)+ # ""& 

;&   :   &  &&&  &  

   ,

"  '  "#  &%

& &



! &&%

 4  (# #$

!$ ) %%



        (  



"       "

 

  #"



   C

  " %,

               "   

    

"

"#   " #    " #"

#"

  (#

  

"

 

  "

 %'                           C

  "    "#    (     #

=



"

        9              

          "

 



 9      %4 (   

"         #        C 

  "   ,0  3         "   

      .0 .3  " (      %8          #"=2#  

 '4)3  +$   !



(  5  6.01-7  #!  8-9      

          

      "    

   "        

     "   D  (  6     

 "   >";& '  

" "&%" "&& '"&

 &%" ,% '"&0 "&& '"&

#,  (

& '"&0,  &#  "&&    '"&  &%  

&#   & ;   '&"'"&>&!#  '" " & &% '"&    !#   '"" "" ''"& "&&

 " ! &% '"&0&%)#

% &

&% &)#

% &  ? # &#

 @

  > ,     %      %!

     A!#  '"A

&" <=

% '& & &"  <=< = 2 @ 2& +@+  % '& &

&  #& "  % '& &7'  &  #& ' 

 1"  &% '"& # "! , B!#  '"&B

 !#   '" ' ,%  &"" "  !



%%,  &% '" &""&&& 

 1%&&   "   <=<=      >"  C: &%  *"B   " # #!

&'" # # %&& !  #    '"  ',  !

&  '"  ', %&& !#  '" "  

%" 

&"  <=<= <=

 "

"& &  , &,&

&"' &"&& :& &;& &"  && <=BD!#  '"B&   &" <= >"   "  &% '"&% !%&"  &" <=  &" <3=

< @= " &% '"&

1"  #    !#   '",' >#

# >"8 3 $++ <=  >  &%   '"  

 # &    ! && '"!  " & 1"

(!  !#  '"

& #   "  "          B 

!B " & 1"  93

(!

    ' !" "  '"&& A! #  '"A&% '  &"  <=< =&

 " #%   ' &% '"  # &

! &&'"! " & 1"

(! #  " "    ) 

  A   !A    "  &    1"

(!:& &, &%

&# 

" "&;   ' &% '" !#  '""&&& #  '> " "&& 

&"  <=< ="

 &   '    >#

#   >"  3 $++  

@

  # <=:" #

# # ,'  >"8 3 $++  ++ && !

"&&<= <= &"  <=""



A# #  !

&  '"A    &"   <=<=

# #%&& !#  '" &"  <=<=

',!

&'" &"  <=<!=

A', %&& !#  '"A &"  <=<= 1%&&  B &%   '"B  &  &&  

&"   <=<=   ,       &

&&  "&&&  ,  0  &    1"  &% '"  #%' &"  <= < =

&" < = >"!#   '" <'=:" #

#  ? # , &

  A &%   '"A  &   ,     "! &"&&  ,++

   % "      ' !  " "     &% '" "&& A!#  '"A "

 & &#&&

& 

" !  

   &   ;#     

&% 

&#    ' &%  '"

 

 '&  !" "  '! #  '" " ' &% '"  &""&&  ,

&#  " %- (     #

# D "    

#"!    =2#  

 ': 

;<  !+(++

= ) 56.0.>7

#!,>0 %+

            "               %**/,*%+  "

 D  

*-*4,*%-(

      

      D "



 #"      ## < %/ (6 #  

  #"  C

   "    #    

     #"   #   

 

 

"(        %)



  

           

 

,**4,*%8    %)*4,*%-  

*-*4,*%-  

     "

     (      "  #  #  #    ,*            

    

      

"   #" (    #"



  C

  "(



 #" (   #          

    



 " #" 

 ,%

 "

         #        

  

4  4  

 

-( &

  :  95!

 9 9   :   # E