High Court of Punjab and HaryanaFAO/8491/2017dismissed

Oriental Insurance Co Ltd v. Raj Rani And ORS.

2022-11-29Mr. Justice Harminder Singh Madaan12 pages

!"#$%&'

( (((%%

) *+*# (((*%#

*+*# (((%%

) ,-# (((*%#

,-./ (((%%

) *+*# (((*%#

0 #10!#2 ((

3 (*("(4 % 56#! 1# %%

(78 8 56#! 1# %%

1#%# 9#( # 9#1# %%

%# 9#(

(

9#1#%# 9#( ( ::::

( ;& #5

%##1 ((

1 #- 1#1 !"#$%&'

1 #- 1#1!

*+*#

1 #- 1#16<,-./5=!6# #1

$!! ;1 & 5 1!

#1 ! # !!# #1 1# $#1. -$# #6!

!! 5=! ##8 % !#>( > &#!!# #1/ / 6/#1 $# -// #9#("? > 1 1 #11/$# -&%# 9#(,-./5 '* #1 !5$ &5=1<*+*5/&5#<.+ , $5/ &5 / .6$/ &$##< . $ />&-# / !

$% # .!

#>>#1 # #)!

5/ ,-./<65(4 < #= !"#$%&'

(5"/< #1 #11/ $# @ # -1# # # !! "

$ - 5"/ 1 1 # - ( ( % !#1 5#>( >. -= %#!/ 1#$ # 8 "#=8 #=.!

# 5"/ /$# -// #9#("?

-# 2

($(5=! / %# #1.!

# 5"/5

#11/$# 6/ / $-& %# 9#( ,- ./ !$ 1#$ #1 .!

# 5 "/1 + $%/ / / 5 !8/ $# -/6-&. -

5-# #1 $# 1

#= 11 + & = 1 4#6$ ! "#

/ ?#% 5 .!

# 5 "/ 1#

$ ( ?#=65 # ( > . - !! $- # + 11-&$ !! ( % 6##1 5 !=/ -# &==#8/.=% ?&'?# .!

# 5 "/5 /

/ & #1 *( 5

B % $# ( !

=% %#/= 5 & -%6#1 1! %%# -/%#6-& !5 ! &

#/ !#$% ##1*(

8( ( # !5 %# %% 1 % =

$ ( =

$ -$

-&%# 9#(5 8% $&#-+!

# $# = -/ #6-&%# 9#($

#11!

=-/ -& -# 5$ &5;8$+ ./ 1 !

$% #!#

#= %# 9#( %#

9#(-=#/ &6# 6 #/ 18!

$($ 5 ! %# # $% #= %&/1#

$ -$

#- 1#1%#

9#( 5 & !!!

/-&

8% !6# 6/$# #=-&(0&/ - &

#%&&!#$% #5%&1#$ #1 $% #(

*%# 9#( !!#$%& =

1 -& ##116$ !# $% #&/

!! @ #!# / %# 9#(=# 6/

/ 6 6/ !! $#1!! =#/ * - #// $( !!#$%& #!61# $ #1 $% #( ( 9#+#=1 -& (#$ % / #1 % 51#

#=/ =1$2

!"#$

% & '())

$ $ * '()) + &

'(), - , ( % = 11# @ #%%# #

6! %%# #1 %!

$( 0 / !# #16!#1 5!

9#( .+ , $/# $ !#3C% # # !#1 !# $% #( !

1 D$;./5C#8. %6#511!#1. - 06# 7/5 3#6! . - 06# 9#(5 3C0 ;

*5 "/3C . . 3C(!

%#6 6!!#%&#1 */ = / !! 7D(35 !#%&#1%# $# $%# #1!. -7D(3 5!#%&#1 # &

7D(3 B5 %# #!#%& #1 $ 7D(3C B;5 %# #!#%&#1

!/ 7D(3 B"%# #!#%&#1 ! #6# 7D(3( (

5 %# 9#(,-.//# #=

$ !#*C% ## !/6 =

$ (?%# !6!%# #!#%&#1 6/

!! #1 ;8$+ ./ '#/ 7D(*C %# #!#%& #1 !%# !&#1 #11!6!

7D(*( ( 1 // $ 5 - ! 9#( 16# #1 / %# # / . - + -&$ !! ! -& $# -/ / # 9#("? > -/ 6 -& %# 9#(,-.// / $(C 6/ !#!

#5 - ##8 #!# # 1!

%# 9#(--##8 !$ !1#! /

> !! -&/ / 6/#1 $# 6 * 7D(3% $! #%#/6 %# $# $%# #1 !. -7D(3 5! #1 = + 11 -&$ #!! 1 %# 9#(,- ./%%/*C!#D$ #$

= #- -& %# ! !$# @ # =/# # %-&(4 (?1 $

=1!/!$ -1#E 6 "# = / !! ( / 9#( 5 - 1# =#= #1 !5$ &5.$ (*+*5!

9#($##. $

/>&

#/ !#$% #(!#$% #%&-

$==#8# #*( 55>B(- 8 /#1 !. - $#1!! #- &6=#1 #1- ! 1! $ #/ ( (> 6!!#(

=!# . -=/

/ &#1*( 5>B% $# (3C ;./5= D$-& $ 6 1 1

&#1. -!=-/% #=1 =# !#

=. -=# 6 % #1?&4#6$ (*1/ + /$ %-& %D"# "6 %% 9#(>#1 >

F* !4

!"#$%&'

() ..$ # F5!# (( >5 $# !6 -& !

#= 1!

!=! #-+ #= !#$% #%&-

$("#/ . -./=# 6 #(( 5

$# #11! !==#8# #*( 5>D $# G*( 5 5>B( ( - #=61# $+###1!5$ &5 .+ , $/-# & / .6$/-# & #-#

#/ !#$% #( ( *

&5 $% #=

#== !# -& # # !! "

$ - 5 "/ !#$% # #1 *( 55>B= H I% $1#$ #1 $ % #

J # - !# #1 % # = = !

9#((

=#-6 &$# !6-& !

9#(#!!# #1#1

- &=# - !#

#1 !#$% #$# 5#=65

- - &#1 %# 9#( ! !#$%& # $8 %&$ #1 !#$% # # !

9#( 1 !

1 5 =# - - & #!#6 $1#$ 6 #1 #11/$# ( >( ///6-& !=5 !!#$%&5 6#1 #11/$# 61 % %% -1# "# 9# ! #1 %% = # %!

6 %# 5=#% %%! # /!# ( (

6 !# 1# % -/#/

# / !#( (

1 # /#1

!-1# = #-6 #

-& - !

.+ , $!# # - 8 #- % %#/#1 !1# #

$+# &- $ !# - #- = / !

.6$5/-# &5 $ / #1 !(# /#!# ##= .6$// &6#! ##&# !#1!#$(1#5# 6 - 8 #-% 1$ &$$-#1 !(- /

&#-65 $ / #1 /#1 & 1!

&% %#% 1 $# #1 !51#$ /-(# / //# %

1 !#$% ##1 5 & #-$#11-& % -/ !& D%( 1#5 #-6/

.6$=#

1#!#$% ## !#!

6= 8 -& - (- #=61# .$ (*+*<=#= . $ $###1 ! #-% 1$ &$$-(

96 6=#1 + /$

= ! = $ $- #1 % $$- 5 !

## -B 1#5 !

# #=%# 6/ D%#1 !=# $ $( ( - #=6#$

#$8& #

!#$#1 ! #=1 %#%!

@ #- # $#1+ /$

# !

$ %&'

(() %( $ #1

+ /$ 5= !%$ +#-=- = /#1 #> &5 I#1 $# #- #= %#%!

(0#/ $# &!#$#1 ! 8 *(5 >K ( !

##1B#1 $# #-$ #= %# D% $#1 ##1 # &

0#/

%!&#1!

!#$# #*( 5 B >% $# 5 %!&!#$# #*( 5 D G*( 5>5 B( (

% #1-%#% & -& - 0#/ 5 !#$% #!#$# #-*( 5>5B 5>5 D ( ( - = $#1*(5

B !

9#( *+ * =#= #1 ! #= # #1 !## $( 5 $#1*(5

B== #!

9#(. $ $###1 ! #= ##1 #611!

# 1 $# #1*( 5

B#!!# #11 D%( ( ?#=65 / %# # /-!

1 + /$ -& %D"# ((*+,

((-$%.'

(()

= =#-6 $# #1*(

B! #-=

#6&!

1#1 !## $6=#1+ /$

! "

# !

$ =!%#6 = =#8/# !#$% #%&-

!#6 # 5$ &5 ##1 5 ##1!## $ 1 D%5 $# #1 *(5

5 *(

B *(5

B5 %!

6 &# -=(

1 $#

# -!#%! /-6& &( !

!! 8% !#>( >5-# >&%# $8/ ##1 I # !$# !#$% ## !!# #1 ##1!## $5!

9#(5

# $ #1 *(5

B !( 0#/ !#$% # !#$ # # - *( 55 5>5K

( 1 !

/ $# #-!6-& #=1!

! 1#$ % $ #1 !5 $# #1 !#$% # #-% *+*5.6$. $

!#$# #*( 5 5 > 55< >( >(

=&5 ! $# !#$ #*(5> B

5 5 > >(%%

9#( #

#!#6 !$# = #1 (I% $1#$ #11 /%%

%&$ (# $ !# #

$ $/6 #/ =(

C ! $#1! #5 /$010%. 1 -& !

#=%

&( ( '!# 1# !!#$%&/

!,-./5=#% !#1 =6/ $# 6 $=#! !! -& / / 6/

/ #1. -5=$#- #=

/#1&5 !!# # %#6 6/ !!( *%# 9#( 4 #=#1 $# 5=!= = %# 9#(=#/ &#6 $# #,- ./ $# 1 / $ !# # #1 ! %# !&5

1#5 !!#$%&# --# 6#1 - &5

- !

/ !!#$%& #$8 %&$

1 !#6 $1#$%# 9#( (1#5 =-$!!#/ &( ( ?#=65 !# 1# !# #6 ! !# # !# / ! !#$%& !# - -# 6

& # /!&%# !

#-/ # -& 11#/!#6&/ !!#$%&-& - 1 / 6 !# #5 1 -

!# -1

1# /!&!

# !!#$%& = =! #11/$# = 6 $5 $8%&$ 1 ! !#6 $# 1#$ #=6#1 #11/$# ( - 8 #!# #6# 1!

#1# / ! !

/ 6/ !!#1%# 9#(# - -# / #!# 6/ !!#1-# #1%# 9#( -% !#1 ( ( .!

#>>#1 # #)!

%!#1= 1

/ #(

-& 3 $ #%#6 1 %#5=# 11+ $# #6!

!! =

/ % 6#1 6!

$5=# 1# &

6 !$%(.

#16!%#! #

%% !- ( ( 1#5 ## &# # 1= ! !

# -& - $% /#( (

6=#1 -#6! #5 /$0 '0%.1 -& %%

6,- /$0.'%0%& 1 # - 1 #1 !!#$%& $( ( .!6 #5 /$010%.1 -&!

#=%

& 1 -&%%

6,- 1 #- 1#1 !!#$%& $5 $!

# %% ! #51&5%/

%##1!!#/ &( ((

!"#$ %&"'

!()$* "&#

'# !+,

"&#