vihy la[;k %672@2009

The Oriental Insurance Company Limited,

through Branch Manager, District Nagaur (Rajasthan)

Appellant/Opposite Party

V E R S U S

Bhanwar Lal Son of Shri Ram Dev Jat, Resident of Dedelt Marble Industries Area, Bindiyad, Thse. Parbatsar, District Nagaur (Rajasthan). Respondent Complainant

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Jh lanhi lDlsuk ,MoksdsV vihyk.V chek dEiuh

Jh cyohj flag ,MoksdsV ifjoknh jsLiksUMsaV

vkns’k fnukad 28-01-2010

1- vk;ksx }kjk lquk x;kA

2- ;g vihy vihyk.V chek dEiuh }kjk ftyk eap ukxkSj ds vkns’k fnukad 31-3-2009 ftlds }kjk ifjoknh jsLiksUMsUV dk ifjokn la[;k 199@2008 fuEu :i esa Lohdkj fd;k x;k&

^^vr% eap ifjokn dks Lohdkj djrs gq, vkns’k ikfjr djrk gS fd vizkFkhZ ifjoknh dks chek jkf’k ds 125000-00 :i;s rFkk bl ij bl eap ds }kjk ikfjr iwoZ vkns’k fnukad 13-5-05 ls dqy Hkqxrku rd 9 izfr’kr okf"kZd C;kt nj ls C;kt lfgr vnk djsa] lkFk gh ifjokn O;; ds 10]000-00:0 Hkh vizkFkhZ ifjoknh dks vnk djsaA**

ls O;fFkr gksdj] 10 fnu dh nsjh ls izLrqr dh xbZ gSA

3- foyEc ij fo}ku~ odhy vihyk.V dks lquk x;kA foyEc {kek izkFkZuk i= esa fn;s x;s xzkm.M~l dks ns[krs gq;s foyEc {kek izkFkZuk i= Lohdkj fd;s tkus ;ksX; gSa D;ksafd foyEc {kek izkFkZuk i= ds leFkZu esa ’kiFk i= Hkh is’k fd;k x;k gSA vr% foyEc {kek izkFkZuk i= Lohdkj fd;k tkdj 10 fnol dk foyEc {kek fd;k tkrk gSA

4- ;g vihy bu ifjfLFkfr;ksa esa lkeus vkbZ gS fd ifjoknh

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jsLiksUMsUV us ,d ifjokn vihyk.V chek dEiuh ds fo:) ftyk eap ukxkSj esa fnukad 3-11-2008 dks ;g dg dj is’k fd;k x;k Fkk fd mlus viuh ek:rh dkj uEcjh RJ 21C 6061 fnukad 28-12-2002 ls 27-12-2003 rd ds fy, Total I.D.V. 1-25]000@& :i;s ds fy, chfer djokbZ FkhA ;g Hkh dgk gS fd fnukad 28-5-2003 dks ;g dkj nq?kZVukxzLr gks xbZ ftlls dkj esa {kfr gqbZ vkSj bl ckr dh fjiksVZ iqfyl Fkkuk [kkVw cMh esa ntZ djokbZ Fkh vkSj mldh lwpuk vihyk.V chek dEiuh dks Hkh nh Fkh] ftUgksaus LikWV losZ;j fu;qDr fd;k vkSj 1]43]550@& :i;s uqdlku dk vkadyu gqvk vkSj vihyk.V us ;g dgk fd gekjs losZ;j ds vuqlkj 36]000@& :i;s dk gh uqdlku gqvk gS] blls T;knk vnk ugha djsaxsA ifjoknh us ejEer djokbZ] fcy is’k fd;s vkSj ejEer ek:rh ds vf/kd`r lfoZl lsUVj ls djokbZ rFkk 1]43]550@& :i;s ds fcy is’k fd;sA

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1- ;gka ;g dguk mfpr gksxk fd blls iwoZ esa ifjoknh& jsLiksUMsUV us ,d ifjokn la[;k 7@2005 ftyk eap ukxkSj esa is’k fd;k Fkk] ftls ftyk eap ukxkSj us fnukad 13-5-2005 ds vkns’k ds }kjk [kkfjt dj fn;k Fkk vkSj chek dEiuh dks fu;ekuqlkj Dyse rS; djus dh NwV nh Fkh vkSj ifjoknh jsLiksUMsUV dks Hkh Qsz’k ifjokn izLrqr djus dh NwV nh FkhA

2- pwWfd vihyk.V chek dEiuh us Dyse rS; ugha fd;k] blfy, ifjoknh jsLiksUMsUV usiqu% ,d ifjokn la[;k 96@2006 ftyk eap ukxkSj esa is’k fd;k] ftldk Qslyk fnukad 17-10-2006 dks fuEu :i esa ikfjr fd;k x;k&

^^vr% ;g eap vkKk nsrk gS fd ifjoknh dks vizkFkhZ ¼chek dEiuh½ ,d ekg ds Hkhrj 37]390@& :0 vnk djsxhA pwWfd Lo;a ifjoknh bl ekeys esa jkf’k ysus dks lger ugha Fkk blfy;s ge flQZ 6 izfr’kr okf"kZd C;kt fnykuk mfpr le>rs gSaA [kpZ Qjhdsu ogu djsaxsA**

3- mDr vkns’k ds fo:) ifjoknh us jkT; vk;ksx esa vihy la[;k 2110@06 is’k dh Fkh] ftldk Qslyk vkns’k fnukad 9-4-2008 dks fuEu :i esa gqvk Fkk&

“The result is that the appeal is allowed, impugned order dated 17-10-06 passed by the District Forum, Nagaur is set aside and the complaint is allowed in the manner that now the complainant appellant would submit the bills within one month from today to the office of the respondent insurance company as per directions of the order dated 13-5-05 and respondent insurance company would decide the claim of the complainant appellant in the light of the bills submitted by the

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complainant appellant without being prejudiced

by the survey report dated 15-8-03, within three months from the receipt of the bills. It is further made clear that thereafter the complainant appellant would have fress opportunity to approach the Forum in case he was not satisfied with the decision of the respondent insurance company and respondent insurance company is further directed to give an opportunity of hearing to the complainant appellant before taking the final decision.”

5- pwWfd vihyk.V chek dEiuh us ifjoknh jsLiksUMsUV dk dksbZ Dyse rS; ugha fd;k] blfy, ifjoknh jsLiksUMsUV us iqu% ifjokn la0 199@2008 ftyk eap ukxkSj esa izLrqr dj 1]43]550@& {kfr dh jkf’k] 10]000@& ekufld ijs’kkuh ds ,oa okn [kpZ ds 20000@& :i;s dh ekax dhA

6- vihyk.V chek dEiuh dh vksj ls 24-12-2008 dks tokc fn;k x;k vkSj mudk eq[; dguk ;gh gS fd muds losZ;j Jh lwjt ey ehy us losZ fjiksVZ fnukad 15-8-2003 ds vuqlkj uqdlku dk vkadyu :i;s 39]388-88 dk fd;k gS blfy, ifjoknh blls vf/kd jkf’k ikus dk gdnkj ugha gSA

7- ;gkW ;g dguk mfpr gksxk fd ;g ekeyk fjek.M gksus ds ckn ftyk ukxkSj ukxkSj us Qsz’k vkns’k fnukad 31-3-2009 ikfjr fd;k] tks Åij m)`r fd;k tk pqdk gSA mlesa ;g ekuk gS fd losZ;j us uqdlku dk vkadyu 39]388@& :i;s dk fd;k Fkk] og lgh ugha gS vkSj 1]31]979@& ikVZ~l ds vkSj 11]571@& :i;s yscj pktsZt ds] dqy 1]43]550@& :i;s ds fcyksa dks ns[krs gq;s dqN jkf’k ;g ekurs gq;s fd pwWfd ifjoknh dh dkj dk dqy chek /ku 1]25]000@& :i;s gh gS] ekurs gq;s vf/kd Dyse fn;k tkus ;ksX; gS] blfy, 125000@& :i;s ifjoknh jsLiksUMsUV dks fnykus dk vkns’k fn;k gS] ml vkns’k ds fo:) ;g vihy is’k dh xbZ gSA

8- bl vihy esa fo}ku~ odhy vihyk.V chek dEiuh dk eq[; eqn~nk ;gh gS fd losZ;j Jh lwjt ey ehy us tks fjiksVZ esa vkadyu 39]388@& :i;s dk fd;k] og lgh gS vkSj ftyk eap us tks 1]25]000@& :i;s fnyk;s gSa og xyr gS blfy, vihy Lohdkj dh tkos vkSj losZ;j Jh lwjt ey ehy ds vkadyu ds vuqlkj gh fnyk;k tkosAa

9- blds foijhr fo}ku~ odhy ifjoknh jsLiksUMsUV dk dFku gS fd ftyk eap ds vkns’k dh iqf"V dh tkos ,oa vihy [kkfjt dh tkosAa

10- bl ij fopkj fd;k x;kA

11- blesa dksbZ nksjk; ugha gS fd fcy Dykfld vkWVkseksckbYl

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MhMokuk jksM ukxkSj ds tks fd Lo;a esa ek:rh dk vf/kd`r lfoZl lsUVj Fkk] us dkj dh ejEer ds 1]31]979@&:i;s vkSj lkFk esa yscj pktsZt 11]571@& :i;s ds is’k fd;s gSaA

12- blesa Hkh dksbZ nksjk; ugha gS fd losZ;j Jh lwjt ey ehy us uqdlku dk vkadyu 39]388@&:i;s dk fd;k gSA

13- dkuu dh fLFkfr ,oa ekuuh; mPpre U;k;ky; ds uohure fu.kZ; 2009 ACJ 1729 The New India Assurance Company Limited V/s Pradeep Kumar decided on 9-4-2009 esa ;g izfrikfnr fd;k gS fd losZ;j dh fjiksVZ Last & Final ugha gksrh gS vkSj ftyk eap ij ck/;dkjh Hkh ugha gksrh gS] ysfdu lc phtksa dks /;ku esa j[k dj Dyse dk fulrkj.k fd;k tkosAa

14- bl ekeys esa ifjoknh jsLiksUMsUV us 1]43]550@& :i;s ds fcy is’k fd;s x;s gSa vkSj ftyk eap us iwjh jkf’k ugha fnykdj] dkj dk chfer ewY; 1]25]000@& :i;s gh fnyk;k gSA

15- ;gka fQj Hkh ;g dguk mfpr gksxk fd tc xkMh dh ejEer gksrh gS rks dqN iqtsZ ,sls Hkh gksrs gSa tks fd f?kls gq;s gksrs gSa] mUgsa cny fn;k tkrk gS] tcfd mudk lEcU/k nq?kZVuk ls ugha gksrk gS] blfy, fcyksa dh iw.kZ jkf’k fnykuk mfpr ugha le>k] fQj Hkh 125000 dh jkf’k tks 131979 :i;s ds fcyksa ls Dyse dh gS og T;knk izrhr gksrh gS blfy, bl ekeys esa ;g rS; fd;k tkrk gS fd gkykafd losZ;j us vkadyu 39388:i;s dk fd;k gS vkSj fcy ejEer ds 131979:i;s rFkk 11571@& yscj pktsZt dk fcy is’k fd;k gS] blfy, gekjh jk; esa ftyk eap }kjk ikfjr vkns’k ds eqrkfcd 1]25]000@& :i;s ds LFkku ij dqy 1]00]000@& v{kjs ,d yk[k :i;s fnykuk mfpr gS vkSj ftyk eap dk ’ks"k vkns’k dkfcys iqf"V gSA

16- vr% vihy vkaf’kd :i ls bl izdkj Lohdkj dh tkrh gS fd ftyk eap ukxkSj ds fookfnr vkns’k fnukad 31-3-2009 dh ikyuk esa vihyk.V chek dEiuh 1]25]000@& v{kjs ,d yk[k iPphl gtkj :i;s ds LFkku ij 1]00]000@&v{kjs ,d yk[k :i;s ifjoknh jsLiksUMsUV dks vnk djsxh vkSj ftyk eap ukxkSj dk ’ks"k vkns’k ;Fkkor jgsxkA mDr vkns’k ds lUnHkZ esa ;g Hkh fy[kk tkuk mfpr gksxk fd tks jkf’k vihyk.V chek dEiuh }kjk le; le; ij ftyk eap esa tek djkbZ xbZ gS] ij ifjoknh jsLiksUMsUV fnukad 13-5-2005 ls 9 izfr’kr okf"kZd dh nj ls tek dh rkjh[k rd C;kt vihyk.V ls izkIr djsxk vkSj jkf’k tek gksus dh frfFk ls tks C;kt vftZr gksxk] og ifjoknh jsLiksUMsUV izkIr djus dk vf/kdkjh gksxkA

¼’k’kh dqekj ikjhd½¼Jherh foeyk lsfB;k½¼tfLVl lquhy dqekj xxZ½

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