Oriental Ins Co Ltd v. Paramjit Kaur & ORS
!"# $% & ' '() *(+"&+,'& -))
.' /(0 '(12 '+&' - )+
!
' 3 4'0 020&(5"+6 '&))
0 4'0&7''"+6 '&6'8')+0 ! "
'&'+&)) "+ ##+ ,& )) ++0 4
)) ++)+0
& '() & +&)')) ,&7'+ ++%090# $:&4'+ ('5 "&+,'&;'&' <&'5 <=7&'5 & () +5 & (3')+0$ &5
7+0 & (&(&'&++3')'/,&0& )& ()7&>0>0# $:5 $$0>?4')'
/,&7)
'+'(' 5',','0 3@?33>%#9 7&&75,+'65 .'+'/,&3')+0#0& 7',, '(&1'4& 0&(' 75,+'6'&+, , ('&(++ &'+02
7/,&7
7,&( )'(' 0A&&(' '&+&'6
,/7'&"
'('(&))+'"'
B,&(' +)+ 7 0 ',' (5'
+ 5+0 &() & +"&++
+7&'++'6+1 '07B &) /&7&'&++?0>0# $:+ &1 ' +& +0'( 7','+,&+'6'& B7' &(.'+'/,&"+'6'&(' 0& ()7 +
,,&&+&+B) + '&+, ,+'6, (' 5',','0 3@?33>%#90
)+0#+! ;&+'6'+7'')6 = (' ++))'& ()+7')'++, C3)'0 ',&)+ & () )+0#++ )'+#$0:0# $:0 &&))
3 ''&(' 7&& +&+5 ++ &'&+, ,+'6,+'6'
B7'0&+'6'&(' 7
07&7&&+
+,+& ,&+'6'& B7'0 &5&6+''+" '+'5
++ &&+&+ ''++ '&+, ,+'6,&(' 5 ')+0#"&+'6'&(' 0&'5 ' +&
( A3$/& )+'/,&0 A3$&+'(+&& &+5 ','+&(&+'6'&(' , B7'
++'6'+&&
7)'+&+7 +
'+076'&) +''+) C0 $ "7&&'6 +&& +&+B) +&(++ &'+0 A#32
7/,&"7& 71 5&+&(' 7&&+B) &+ +)+& &+&+ ''++ '&+, ,+'6,&+'6' (' 0& ') C ' 3?7)B,) 7&& 6'+&'B)
'+'"7& +&& '() 7 5 0 & ,&&& (7&&'')'/,&7 7'B, )'+'1 ' 4& +,, ' 0$#" 83 )'(&5 + (' )'&+5) +''+','+,& ("&(7+)'(( (7, 0:" 83)'(&0 ? D 7 ++ + 7'+ )' 6, C) & ++0 ! D '7,'+ ')')04
) '$%7)) + &,&++7&75 $: '0& +)+ 7 + 09"%#"% 830+ 0#?" 83 ' C) 7'7'++0 () 0$ " :"% 8377'++0 ,&7'+" '+ '& '() & '+&
7,
;= &, ,&+'6'&(' 7)'6+ && '()
+5& +5 5 0 ;= &++7,+5 $: '0&'7)'& &767'B,&" (&+5B+
( ,&&65+)'&(( (7,0 ;= &(
) '&
+&65)'&,& (3 (&'0 &'(' & 5( '+ '& '() 0 ;= + 5"& &+5','+&(')+ 0#"&+'6'&(' ,&+'6' B7'7&&&+& ,&(' +&7 + '+0 76'" ',& +5 &'5 "&) C0 $ "7&&&+5) + ''+5 A3$/& )+'/,&'6 +&&+&+B) &(++ &'+0&6' &&(' &+B)+ 7&(++ &'++('5 ' , ,& )'&+'6'&(' 0&(&'3C( A$ &&) &+5)')'+&.'+'/,&0 A#3
7/,&7&71 5&+&(' &(&+&+ +&&(' 75,+'6'&+, ,('& (++ &'+0
&+&&+'6'&(' '5 +&+(( '5 B),+++'6, '&+, ,('&(++ &'+0+ 5"')+ 0# &+ ++)'+#$0:0# $:+&
+ ))'5'&'5 &6'"5 & ,&&'+ 6+"&+,'5 & , ,5
+0 67& &+,, ,&)'&+'6' & (' " & ''
+ 6+ 5 +', & &
(' 7 +(+ 6 6+ &+"5,& (), ,0&) 5,)B,) 7
+6'&)
'+'0 & E & 5 +'+ 6' + + & '() &5& +5 5 0 < #$%&$'()* '+,%)'-$./)'0&.&($12+ .( '1%3 '1% $2&)'1%+< 4 5
6"1$-&1$1 '
& 7 +'++ 0&' 65'6' +'
!
"
#
!
"
$%% &
'
(
) *# (
"
+$%%
# ) ,
-
.
$/ ( "
$%0-
"
$%0-
) ,
!
!
*
) ,
!
!" ! #$%& '
())* )
#
1
23 4*245564/704$$48//9
$% $$ 8//9:
!
;
(
# (
<1 :
1
:
#
# = ).())'1(#$%+2$%+,+)'7&( &'8#)'1(#$%+49:54
91$-&1$1'
75'6+ +'
7-
5 !
# #
1
4
:
>
&/?
#
#
-
!
)
-
# #
4
@
#
&/? A
- !
-
4
#
#
# #
#
2!
"
-
= ;= & (7+55 $: ',+7'B, )'+'1 ' 4& +,, ' 0$#" 83)'(&0 + (' )'&+5) +''+','+,&("& (7',& +)'(( (7, 0:" 83)'(&0
5 +7&&+,7
0 ;= ))'&&&(
) ' ,&&65 )) +)'&,& ( '+ '''+'+'&
<5 / )'( '++##0$$0# $:)+/* ;6 0!>#!:8# $:
7&&7'+'+5,,+7&/* ;6 =000000# $:;0:?::# $:= 5 ,&& 7&&'&,&++'&,& ,
&'5B '''6,&)')'(
) ')+, +'5' ','&&076'"(')+ 5' ','5&,' +,'& + 7"
" , , 3 # * 8//910:2*2 1* :77+2 B , ) )18/$0:9"**%&)'7&& (
) '5)'&,&++0 & "&'('&)) +&(+(+0
!"# $% ! , ! A&&'/)B,8 + A&&' )'5 8