National Insurance Co Ltd v. Manjit Kaur & ORS
!
"#$ %& $ $'$( $)'*"'+ ,- ,
"#$ %& '%.%*./$0$.#(
! 1! ,
"#$ %& 23%"45.6(
! 1! ,
( 7 8 9!
9 9 9
! "
# $ % & !
' % ! % ! ' () **** 9 9
!
( + $ '
$, -
&,# " .)/(./(0' % (11'
(233$,
& + '
4+ 5" -
&," ' " $,, ' .6 0( ///7- &7 ()#" 809: & ! , # " # ! &'
&" '''#! " ;
&'
$##
. < '' ' .9/1./() =# %# " " '+ +
<-.6>-19)9 " ##'
& " ?" !# + +
' ' & @$ 2 // '
',< +
<-(/AB-1.61" " $# ! , ##,C#-C#& $, ! %# '< %# '<", < A
&'
& & "
# ' '
" #!#, #
# '+ +
<-.6>- 19)9 " " $# !$,=# %# &
'
$, %# ! '+
<-(/AB-1.61 =# %# ! &
" !'
&&
/9/0./()> 9) .1/1./() % .02766076637).0' " # %& &'D
%# 6 E ' & & ' &' ) > &# ' '"#
" '
&$, + -
!"#$!# % &'(##)*+ ) ,,
+ -
.
/0& )1 #23 $!4$& *
)) !56 +7
+ +7 7 8)) 45
& ).
%5
).
"5 0
7 /0& )1 #23 $!4$
).
$5 /0& )1 #23 $!4$
).
95
& ).
:5 6
+ /0& )1 #23 $!4$).
'5. ;
9 ' # # !
+ " & ()?"! -
&," $,
'
# ! , # -
&, ! &'
&" '''#! 9? 1 ' F
&, %# " #!'' ! !# &'
?'
$& %# " " !#''#
$ # # <-.6->-19)9
, !# " !!,# ! 0 ?'
# " !' &
'
, ' +
# -
&,
#-
&,
'," '
"$ , ! & '
& " ' ''# ! ? '
'#
$"$,, #!$ ' , " '''#! 3 '
$& + &&
"$," # , 'G
'
&H " G
'!'' H? < #&' ?5$ % &
! "
, 9 , :
'G
'!'' H &
$ & , !'
G
' &H 2 ?'
+
" # 9/:" '
')/: " (/ I #'
$&
, $" ((
#' ()F
&
$& #$ ' & '
,#! $"F
&," ! '''#! ""
& ()! ?'
+
, # !"
$ # $ ' , + &
&, '," '
' ! & '
&" ! ' ''#!
(. ? '
& + #, " + '
# & # "
'' '
&,#' &, (6 I & , $#!'& ! $ &
() ! '
"
' (9 " $
! '" +
&
- # 4 7+ < < 7
+ +7 8 7
% /
7 7 -
7 0 7
7 . "+###= )* 7
+7 .4#+###= )*7
!=4 >7 7 !: / 7
/
& 7 8 -
/
7
/ 7
/ 7 & 7
+
6 +
!
4 % /
7
/
7
/ 7
& +
0/
, /
8 -
/
#
2*? >
-
/ +
7 &8 )6 + & 8) 8) !% .4+ 9+%# = /
& -
7
*
@
+ -
6
& 0 7
+ 8 7
0 70& .:###= / 7 . +%%+###= A.:###B%###= "#C
5D !@
7
E E2 / ? +!##'A45. @ 8 - 494 >F& ? 6
+ 7 8 & A =%57&
%$
-
7 @ =% 7 8 +
. +#:+###= /
7 7 -
7 4!
6 8) !:+ 4! @ + 0&4! 8 !:6 7 @+
$ &
70 7 4 4" @ +
$
+ 7 . 9+!:+###= A. +#:+###D $5
" 7
7
+
/ /+
7
+ 8 6$%&'
$
&"
( )** +,-./.0( "
$
%1!"
(+,-+)+0) 0 22+( $
3" "
+,-4).0 -2+( &1 5"
$% 1 1 ( +,-4).0 467%
$"
3
(( &"1 (+,-6)+0 6+4+>F& ? 6
&
/
."#+###= G . +##+### 8
.!"+###= .4+ 9+%# = 8 /
7 .!4+9#+%# = A. 9!:+###= .!"+###= . +##+###= .!+#####B4 9+%# = 5+ 7 .!4+9 +###=
$ 7< 7
.,? +@ !+6 ?
*
> *
1
G*E G >7 > *
7 6 0 & 7 &8+ >
&
>
6 ?
+
0 & 6 ?
/
6 ) 8.6+ 2G 8 .! 8.4
2 G *
8.%+ 8." 8 )$
.? )1 #23 $!4$ 8.9@
6 & !6 +
$ +,-4)+0) 0+-++ 7 7 &
2 + 0+ G*E >7
& +
!
4
& 7 & >F& ) & >
> ? 8%&""
$955:;
%1! "
( +,-.)-0 ) 0 --- "%"
3"$"
'
%1! "
) 0 --<
$ &"!
= ( +,,2)40 ) 0 >,++ 7 >7F& ? &
7 0 & 7 7 &8
> 6 ?
& +7
& / /0& )1 #23 $!4$
6 7 &
+ / & 7
& !6 ?
+
7 7 8.%+ G*EG*E?@1+*?H5* 0 & *
;
7 &8 >7
*
7 ! 0 *
& 6 7 && +& 7 !6 ?
&
+
?
: @ &+
&
7+7 /
.!4+9 +###A./7
5 7 9 =!C
#:#'!# %
/ &
& !+6 ?
+7 & 8 0 +
7
+
7
$C
I
/ &
.
7 , A7 75A
!5 .
+9 +###= !@
A
45 .%+##+###= 4H
A
%5 .%+##+###= %* , A?
.%+##+###= / <
@
H
! 45 &
8 7
I1 0+
.
7 , A
5
;
(1 ?!# !
$&
' ' &,'#
$, +
'$, (0
' ! F
&,
$ # %#" #, # " !!,#
! ;
'
$ "" "+ !"$,?5$% &
"
# # $ ' , &
, $"
%
$ $ &' #& &' - ,! & $!
&'
(3 + + ' #, # ! $!' & '
, &
$# - ,! & $' &
&
&, ;
'," '
' ! & '
&" ! ' ''#! (2 +
$, + #F
&,, & & '
"$ , ! &'
&" '''#!
" # #! #&
& ./ ;
, '# $, + ' # & ,$, F
&, '," " &
,# # ! , # # " '''#
! " ' &, " ' , ' $,
.( %' $, ' F
&, + &&
" $, " # , 'G
' &H " G
'!'' H
$&
&
.. +?5$% &
$ "% ""
" *;
"
(+,+7 -.- ,
'# " # ! +J
# ,G
'!'' H ' &
$
& "$ ' & "
' & ;
, '
'
!'' & &
$+ !J ' &
-
!! 6 .
A 5+ ? ; +
&
& >7+? 1 )
A 58
.
A 5 7
& + + + 8
& +)
A 5 ( "! @ +7 7 78 .
J.
.
&
+A!# 45' ??"%K6 .!"+###7
8 +. +##+###7 . +##+###
7 / 8 /.
J.
.
&
+A!# 45' ??"%K
2 J
2 6 ?G+A!# !5 $ ??%!
K+ 7 /
+
+ &
& & 7 & & L 0 +
&< @ < & / & 8+ & 0 +
& /
& / & & 7 + 7 & 8 &
+ &
0 0
<7 +
& &
0 & /+ 7 0 & 6 & + + + 8 &. "+###+.%#+### . "+### /
&
1 & < 0 7 & 7 < & & & #C
& 7
& !4/ &< 7 & )
A 5 -
? 1
1 @ + ?
7 7 !%/
+ 8 / ;
+
8 6 7
&
+ 7 & 7
& +
7?
D66@
&
.9+ J
,%
" & , ' , >7+ + & + & 7
& ;/
7
+
& !$6 8 &< ? * H 6 ? G .
9 / ?8
& ;
+
07 &
0 A!# :5 : ?? 4# / 8
&7 ; ;
& & / 1 7( !
@? 1 ? )
J
6 ?G)
+A!# 95 $ ??$:#K 7 7 &
6
+ ; 7
;+
;+
; / 7
+ + + + + +7
+ 7 8
7 (J.
.
&
+A!# 45'
??"%K !
& 7 7 7
+ + +
+
;J1 0F 7 2 A" + '9'5K !
! )
+
+ + + +
+
; !
4 M
@
0
/
? + +
!!?
& 7
* 7 F 8 *
&
/
+ +
!4 / * E @ &
+
6 7
+ +
&
)
7
@@7> ? J.
> ? -
.
.
+!# 9 ??G .
4:%:NL 0 > ?
.
.
) , +!# 4 ??G L!%4"N
, > ? G 0 ? ? +
''$ ??G , 9%K>7+7 7
7 &
!%/ & 7 & &
;
7 )
6 +7
+ .%#+###
!9 6 +7
!" * H
6 A 5
.:#+###=
+ ? . +##+###= !:* + L 6
6 ?G
, :+ -1 ?
7 )
A 5 * H
6 A 5 . & )
A 5+ ? + + + 8 @ + * H 6 A 5+ ?
+
67
&7 &
/ ? 7( A!#!
5
?9:# 4%@ +7 7 +
/ & > ? & &
/ ? 1 )
J
6 ? G )
+ A!# 95 $ ?? $:#K+
, 7 & I +
8 6* H J* H 6 ?G .
+A!# :5 : ?? 4#K+ ?
+
+ 7
G 4" / / & > ? + 7 / 7
!'? 7
&7 + ? && 7 &
? 1 )
A 5+7 ; @&<
, A 5+ & )
A 5 * H
6 A 5+
7 &
;?< +
7 ;
.6 !"'' ! &'?5$ % &
" ' # $, +
'G
'!'' H $
"
#, & " $,+ $ $
'
& .) %' $,F
&, +
#9/:" '
'
)/:
$&
!
.9 +?5$% &
%1!
! ""
(@)+,-<0-772,A # ,"
" " $"#')/,
" & &,& &
$" '
)/:' $ & " " #
!
" # & ! #' &'
" 6.,
.1 !"'""
! "B " '
" $ )/: ' $ &9/: $, + + ' J "
$, + ;
&' .0 ;
, " $, +
;
$
&
- %1 '
( , & 3///7- .
>
8)/:
6.//7-)/:'3/// A
"
J
(7) .3//7-((.//K(7) ) + & 3)//7-((.//-.3// ) (1 A , (1 (. 3//7-3)//K(.K(1 LJ
6 (0 )/(7-
'L (9 ///7- > LJ
(9 ///7-
' & ( 1/ ///7- %
)/ ///7-J( > )/ ///7-J(
)/ ///7-J.
%#"3 %02$. "#5%.
! - - <
.3 %' $,?5$% &
3"C " 5 $"!%3"$ % ;
, $"
$% 1 1 )+,++06 1
% -,<- & () # 82: &$!&& '
&''#'
&' C .2 '
! '
& '! /6(/./(0 - < '
,,&$, ./ // ///7- 6/ ;
, ()F & ₹ ' .( ./ ./(7-#" 82: &'
& ''#' & C 6(
#, F
&, & ' " $,
'
#& '
, , ()- & $' + " '"& '
&' ' ' ,'
#&E
+ &
()F & " .)/(./(0 + & 7 () '
$
+ 6.
#, ,"" .)/(./(0 &'$!J 66
# ', '
9 9
! 1! , D
! @ #7- # %# @ $ M