← Library
High Court of Punjab and HaryanaFAO/8494/2017disposed of

New India Assurance Company Ltd v. Santosh Rani And ORS

2025-08-25Mr. Justice Pankaj Jain8 pages

    

 

  

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

,

-# #.

*&(!

))/0!*'# $12!*3 4"&, ,,,,,, 22#55!*"

6#0)/) 7!*"$)- !*( !*& $"-#0)

,,,,,, #)2$*&#*") ,

7!*"$)- !*( !*& $"-#0) ,,,,,, 22#55!*") 6#0)/)

!).(*&#0 7(*8- !*& !*$"-#0

,,,,,, #)2$*&#*")  +

9 4 ,

7 :

 

     

  !"#    $   

%&& !"

'$  

 ( $   

' )*+   $     

  !"#     

%&& !"

,,,,

:

;

,

0!5 "

) - .  '- 

  !"# /   + ' 0 

%&& !" /0



   +        +   ' 0      ./0 )/+  +$ "

 

 +/'   -   .. 

 + 1+/' +  2'

0 

-  +  .+' +     /     .. 

  .   2  3 ( .-  

3 ( .-  4'  5  2 - ' 3 ( .-  4'  2   +0.  +.

  &

  6+'/   + 

2 1 - /4   '  

7  +  -/ 0 .    (- -   .

/0 2   + 2$ "&" !

" !"'  / .  '0- + / . 00 )   .-/* + /+ (   #!

  #28.  (  8 0 +

   .    + (  "#8 .     . 1-.   +  % )    .+   9  "                /0    /  +/   /+

  //  :-. .    '    .+   9 -

  / / 0+/0 (+'8+  



   

   .  

-- /0(+'8+ 

   (+'8+  !!!" 

#

!   "$  %& '

( $

 ) )**/+ 

;44 44 # )    )/+         1.  8+      ++ . /0         -       2         1.8+

 0 .  .   +    <+   - =0  ( ++   ..  . +* +- 

)+.  $ "    0+    +   .    '  -+  +/'    /+ 0 . 0 0 . ++'    . 2          <+  /0 

+  . <+   ..   '   )               

/+  .

     -     ' 2    +/'

'   '/ /'

. / 0.    +'      /0      + .    .   '   

  .'  2 + 8 :

 >  .'  2 + 8 :

  ?!"@&(88%&% ?!"@(88?8@& ?!"@ (88?8@" !"2$(8""A 

$ # + ?(88 %#@ ;#    --.- 1.8+      /0  B-/   .

/0 )/+ /+  +' ..    +/   +0  -+  / ++    .  0 /0 )/+  

C$ () #!"- 0  .. 0/0  -   - ' 0  . 



) / '  -     .     /0      ' .

   )8+     



 

 

 ! "

 !

 # " !



$  *0 ..        .  +/0 -<+ / /0 )/+   +     // 0   0 

/0  /0  /+/

%% &&'

&(&&( )* &&(

+ , & 

-

&

&'- %,% ( , .

(

&, &/

*

&* %

*& &0

( *&-

,&(

(  ,, &- (- +  -  +- /<+

  '    ' '0/    '  / 0<+  ' 

/0 )/+ D ?5'(+@

  + )/+ *  +' 0  + . 2    + +' /0

          -        <+  ))/+  *    

 /                    . +*-  + .+ 0   ..  .

)1.8+ *   +  +  . 0  +  /0 )/+   <+ 0'

 "!

2   4 + +    

  -4 

 (> -4   ( ?!@"(88&"! !2$(8%"A

 + ?(88 &" "@ ;"E  -   / *     /0 )/+         +  /0     +        + '     /  / /0 ' )'   /    +    //  )          /0    /  +/

   /    -    .       * .'    +   +0   

) '  /   '  /0    8+   

     

   >



  

 ! " !

 # " !



$- +.'  1 >1 2(/3?!!@" (88&! ?!!@&(88?8@" ?!"!@"(88 ?8@""!"A ""

)+  / + - 

   <+  . . .. -   . - '   '+/ /   // )/+  2  // )/+  * .    +          / 

* .     +  +'        +''/ '/ " 2   

/+    '      -       ++ 0      .

 )           +  -    -         +0+   ..               F+   -+ ++  .   . G - *       ..   .  -  +      =0  ( # 2 -    -

     04   / *    ./0

)/+  +$ " ' /' F  +  . <+ +''   -/0 )/+   +/'   +. )/+  *   //+0  ' /  / !!!H '+'     ' '+'

-./0( + /   

& +  *  '

2

/    -+  .3C+  '  003 (+  +  -  . !!!!H

'   1+/' --   - /4      (+ '

'+ -+       + 4   /    '.'+   "!!!!H    /  -    '  $    0         +'

"!

2+    +0. 

+.   ""

)'   0/  -* 3  !

" !"  ( + /  ' '+'

-. !"

! !"0-.   .0*-* ' '+'  -.  /     &% #&    '       '  -+  .3C( 2 -/  8+     0      '  /0 )/+ I!!!H '  )''   ( -#0.+ +  !J  /  3+  "H  / + "& /  5! '    '+   !!H  +   +'

)' /    "!!!H    "!!!H -+ 4  " 7 '   -' )   ' //0/  '/0)/+   $ & 8' /    I# &J'   . '       +G  "  .0/ 

"

(     '      /      . ' +   0   "&  0 /      

:



 , ,     3  7 * .H 

K 7  / $