Maharashtra

Ahmednagar

CC/10/191

Rajendra Paraji Khilari, Kuranwadi, Tal Rahuri, Dist Ahmednagar. - Complainant(s)

Versus

Kabal Insurance Services Pvt. Ltd;Pune-5 - Opp.Party(s)

Adv.Sagar Padir

19 Jun 2010

ORDER


District Consumer ForumParag Building, Opp To Collector Office, District Ahmednagar. Maharashtra
CONSUMER CASE NO. 10 of 191
1. Rajendra Paraji Khilari, Kuranwadi, Tal Rahuri, Dist Ahmednagar.a/p.kuranwadi,Tal.Rahuri,Ahmednagar. ...........Appellant(s)

Vs.
1. Kabal Insurance Services Pvt. Ltd;Pune-5Karandikar House,Near Mangla Theater,Pune ...........Respondent(s)


For the Appellant :Adv.Sagar Padir, Advocate for
For the Respondent :meher, Advocate

Dated : 19 Jun 2010
ORDER

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ãä•ãÊÖã ØãÆãև㊠¦ã‰ãŠãÀ ãä¶ãÌããÀ¥ã ¶¾ãã¾ã½ãâÞã,‚ãֽ㪶ãØãÀ.                                  

 

        ½ãã.‚㣾ãàã  : Ñããè.Ôãì£ãã‡ãŠÀ ‡ãñŠ. ãäºã¶ãÌã¡ñ.       

                                              ½ãã.ÔãªÔ¾ãã  : ‚ãù¡.Ôããõ.½ããä¶ãÓãã ‡ãõŠËãÔã Œã¡ã½ã‡ãŠÀ.

                                             ----------------------------------------------

                                                Ôããè.¹ããè.†.¦ã‰ãŠãÀ ‰ãŠ½ããâ‡ãŠ     :  191/2010.

                                             ¦ã‰ãŠãÀ ªãŒãË  ã䪶ããâ‡ãŠ      :  31/03/2010.

                                             ¦ã‰ãŠãÀ ãä¶ã‡ãŠãËãè ã䪶ããâ‡ãŠ     :  19/06/2010.

                                             -----------------------------------------------

 

Ñããè Àã•ãò³ ¹ããÀã•ããè ãäŒãËãÀãè                                   ----- ¦ã‡ãÆŠãÀªãÀ.

Àã. ‡ãìŠÀ¥ãÌãã¡ãè ¦ãã. ÀãÖìÀãè

ãä•ã.‚ãֽ㪶ãØãÀ.

ãäÌãÀŠ£ª

 

[1] ½ãã.̾ãÌãÔ©ãã¹ã‡ãŠ                                         ----- Ôãã½ã¶ãñÌããÊãñ.

‡ãŠºããË ƒ¶ÎãìÀ¶Ôã ÔãÌÖãêÔãñÔã ¹ãÆã. ãäË.

101, ‡ãŠÀâªãè‡ãŠÀ Öã…Ôã, ½ãâØãËã

ãä©ã†›À•ãÌãß, ãäÎãÌãã•ããè¶ãØãÀ, ¹ãì¥ñ-5

 

[2] ½ãã. ̾ãÌãÔ©ãã¹ã‡ãŠ

 ãäª. ‚ããñãäÀ†¶›Ë ƒ¶ÎãìÀ¶Ôã ‡ãâŠ. ãäË.

 ãäÖâªìÔ¦ãã¶ã ‡ãŠãù˶ããè, ‚ã•ã¶ããè Þããõ‡ãŠ, ¶ããØã¹ãîÀ

 

 

   „¹ããäÔ©ã¦ããè

[¦ã‰ãŠãÀªãÀ ¾ããâÞãñ Ìã‡ãŠãèÊã : Ñããè.¹ããªãèÀ.]

[Ôãã½ã¶ãñÌããÊãñ ¶ãâ.2 ¾ããâÞãñ Ìã‡ãŠãèÊã : Ñããè.½ãñÖñÀ.]

..............................................................................................

ãä¶ã‡ãŠã˹ã¨ã

{ ´ãÀã : ½ãã.ÔãªÔ¾ãã,‚ãù¡.Ôããõ.½ããä¶ãÓãã ‡ãõŠËãÔã Œã¡ã½ã‡ãŠÀ.}

...............................................................................................

 

 

 

 

[1]           ¦ã‰ãŠãÀªãÀ ¾ããâ¶ããè ÌããÀÔãªãÀ ½Ö¥ãî¶ã ½ã¾ã¦ã ¹ããÀã•ããè ‡ãŠãÀ¼ããÀãè ãäŒãËãÀãè ¾ããâÞããè, ÍããÔã¶ããÞ¾ãã Íãñ¦ã‡ãŠÀãè ‚ã¹ãÜãã¦ã ãäÌã½ãã ¾ããñ•ã¶ãñ ‚ãâ¦ãØãæã Ôãã½ã¶ãñÌããÊãñ ¾ããâÞ¾ãã‡ãŠ¡î¶ã ãäÌã½¾ããÞããè À‡ã‹‡ãŠ½ã ¦ãÔãñÞã ¶ãì‡ãŠÔãã¶ã ¼ãÀ¹ããƒÃ ¹ããñ›ãè †‡ãã À‡ã‹‡ãŠ½ã Á.1,35,000/- ̾ãã•ããÔãÖ ãä½ãßãÌãñ¦ã ½Ö¥ãî¶ã ÔãªÀÞãã ¦ã‰ãŠãÀ ‚ã•ãà ¾ãã ¶¾ãã¾ã½ãâÞãã¦ã ªãŒãË ‡ãñŠËã ‚ããÖñ.

 

[2]             ¦ã‰ãŠãÀªãÀ Öñ Àã. ‡ãìŠÀ¥ãÌãã¡ãè ¦ãã. ÀãÖìÀãè, ãä•ã.‚ãֽ㪶ãØãÀ  ¾ãñ©ããèÊã ÀãäÖÌããÔããè ‚ãÔãî¶ã ¦¾ããâÞããè ¦ã‰ãŠãÀ ©ããñ¡‡ã‹¾ãã¦ã ‚ãÍããè ‚ããÖñ ‡ãŠãè,  ¦ã‰ãŠãÀªãÀ ¾ããâÞ¾ãã ½ã¾ã¦ã Ìã¡ãèËãâÞãñ ¶ããÌãñ Íãñ¦ã•ã½ããè¶ã Öãñ¦ããè Ìã ¦ãñ Îãñ¦ã‡ãŠÀãè ‚ã¹ãÜãã¦ã ãäÌã½ãã ¾ããñ•ã¶ãñÞãñ Ôã¼ããÔ㪠Öãñ¦ãñ.      ¦ã‰ãŠãÀªãÀãâÞãñ Ìã¡ãèË ¹ããÀã•ããè ‡ãŠãÀ¼ããÀãè ãäŒãËãÀãè Öñ  4/8/2008 Àãñ•ããè Ôãã¾ãâ‡ãŠãßãè ¹ããÌãÔãã½ãìßñ ÜãÀ ¹ã¡ì¶ã Øãâ¼ããèÀ •ãŒã½ããè ¢ããËñ.   ¦¾ããâ¶ãã „¹ãÞããÀãÔããŸãè ÀãÖìÀãè ¾ãñ©ããèË Ñããè‡ãðŠÓ¥ã ÖãùÔ¹ããè›Ë½ã£¾ãñ ¦ãã¦ã¡ãè¶ãñ ªãŒãË ‡ãñŠËñ ¦ãñ©ããèË ¡ãù‡ã‹›Àãâ¶ããè ÔããâãäØã¦ãËñÌãÁ¶ã ¦ãñ „¹ãÞããÀãÔããŸãè ãäÎã¡ãê ¾ãñ©ãñ •ãã¦ã ‚ãÔã¦ããâ¶ãã ÀÔ¦¾ãã¦ãÞã 4/08/2008 Àãñ•ããè ½ã¾ã¦ã ¢ããËñ.

 

[3]              ¦ã‰ãŠãÀªãÀ ¾ããâ¶ããè ½ã¾ã¦ããÞãñ ÌããÀÔãªãÀ ½Ö¥ãî¶ã ‚ããÌã;ã‡ãŠ ‡ãŠãØ㪹ã¨ããâÔãÖ ãäÌã½ãã ªãÌãã Ôãã½ã¶ãñÌããÊãñ  ¾ããâÞ¾ãã‡ãŠ¡ñ ªãŒãÊã ‡ãñŠÊãã.    ¹ãÀâ¦ãî Ôãã½ã¶ãñÌããÊãñ ¾ããâ¶ããè ½ã¾ã¦ãÞãã 7/12 „¦ããÀã, Ìã ¹ãñŠÀ¹ãŠãÀÞããè ½ããØã¥ããè ‡ãñŠËãè. ¦¾ãã¹ãƽãã¥ãñ ‡ãŠãØ㪹ã¨ããâÞããè ¹ãì¦ãæããÖãè ‡ãñŠËãè ¹ãÀâ¦ãì Ôãã½ã¶ãñÌããËñ ¾ããâ¶ããè ½ã¾ã¦ããÞ¾ãã ¶ããâÌãñ Îãñ¦ããè ‡ãŠÎããè ‚ããËãè Öñ Ô¹ãÓ› Öãñ¦ã ¶ãÔãʾãã¶ãñ ¹ãì¶Öã ¹ãñŠÀ¹ãŠãÀÞããè ½ããØã¥ããè ‡ãñŠËãè ¦¾ããÞããèÖãè ¹ãì¦ãæãã ¦ã‰ãŠãªãÀã¶ãñ ‡ãñŠËãè ¹ãÀâ¦ãì Ôãã½ã¶ãñÌããËñ ¾ããâ¶ããè ¦ã‰ãŠãÀªãÀãÞãã ãäÌã½ãã ªãÌãã ¶ãã½ãâ•ãîÀ ‡ãñŠËã.   ¦¾ãã½ãìßñ ¦¾ããâÞãñ ½ãã¶ããäÔã‡ãŠ, ÍããÀãèãäÀ‡ãŠ ¦ãÔãñÞã ‚ãããä©ãÇ㊠¶ãì‡ãŠÔãã¶ã ¢ããÊãñ.    ½Ö¥ãî¶ã ¦¾ããâÞããè ½ããØã¥ããè ½ã㶾㠇ãŠÀãÌããè ‚ãÍããè ÍãñÌã›ãè ¦¾ããâ¶ããè ãäÌã¶ãâ¦ããè ‡ãñŠÊããè ‚ããÖñ.

 

[4]              Ôãã½ã¶ãñÌããÊãñ ¶ãâ.1 ¾ããâ¶ããè ‚ãã¹ãËãè ‡ãõŠãä¹ãŠ¾ã¦ã ¦¾ããâÞ¾ãã ¹ãÆãä¦ããä¶ã£ããè ´ãÀã ãä¶ã. 10 Ëã ªãŒãË ‡ãñŠËãè ‚ãÔãî¶ã ¦¾ãã¦ã ¦¾ããâ¶ããè ¦ã‰ãŠãÀªãÀãÞããè ¦ã‰ãŠãÀ ‚ã½ã㶾㠇ãñŠËãè ‚ããÖñ. ¦¾ããâ¶ããè ¹ãì¤ñ ‚ãÔãñÖãè ¹ãÆãä¦ã¹ã㪶㠇ãñŠËñ ‡ãŠãè, ¦ãñ ¹ãŠ‡ã‹¦ã ¦ãÖãäÔã˪ãÀ ‚ãããä¥ã ãäÌã½ãã ‡ã⊹ã¶ããè ¾ããâÞ¾ãã¦ã ½ã£¾ãÔ©ã ½Ö¥ãî¶ã ‡ãŠã½ã ‡ãŠÀ¦ãã¦ã ¦¾ããâ¶ããè ÎããÔã¶ãã‡ãŠ¡î¶ã ‚ã©ãÌãã ¦ã‰ãŠãÀªãÀã‡ãŠ¡î¶ã ‡ãŠãñ¥ã¦ããÖãè ½ããñºãªËã ‚ã©ãÌãã ãäÌã½¾ããÞãã Ö¹¦ãã Üãñ¦ãËã ¶ããÖãè ¦¾ãã½ãìßñ ¦ãñ ¦ã‰ãŠãªãÀãÔã ãäÌã½ãã À‡ã‹‡ãŠ½ã ªñ¥¾ããÔã •ãºããºãªãÀ ¶ããÖãè¦ã.  ¦¾ãã½ãìßñ ¦¾ããâ¶ãã ¶ããև㊠ŒãÞããæ㠹ãã¡Ëñ ½Ö¥ãî¶ã Á. 5,000 ŒãÞããÃÔãÖ ¦¾ããâÞãñ ãäÌãÁ£ªÞãã ¦ã‰ãŠãÀ ‚ã•ãÃà Àÿ ‡ãŠÀ¥¾ãã¦ã ¾ããÌãã. ‚ãÎããè ÎãñÌã›ãè ãäÌã¶ãâ¦ããè ‡ãñŠËãè ‚ããÖñ.

 

[5]              Ôãã½ã¶ãñÌããËñ ‰ãŠ. 2 ¾ããâ¶ããèè ‚ãã¹ãËãè ‡ãõŠãä¹ãŠ¾ã¦ã ãä¶ãÎãã¥ããè ¶ãâ.16 ÌãÀ ªãŒãË ‡ãñŠËãè ‚ãÔãî¶ã ¦¾ãã¦ã ¦¾ããâ¶ããè ¦ã‰ãŠãÀªãÀãâÞ¾ãã ¦ã‰ãŠãÀãè¦ããèË ÔãÌãà ½Ö¥ã¥ãñ, ‡ãŠ©ã¶ãñ Ìã ½ã•ã‡ãîŠÀ ¶ãã‡ãŠºãîË ‡ãŠÁ¶ã ‚ã½ã㶾㠇ãñŠËã ‚ããÖñ.   ¹ãÀâ¦ãî ¦¾ããâ¶ããè Íãñ¦ã‡ãŠÀãè ‚ã¹ãÜãã¦ã ãäÌã½ãã ¾ããñ•ã¶ãñ ‚ãâ¦ãØãæ㠽ãÖãÀãÓ›Èã¦ããèÊã Œãã¦ãñªãÀ Íãñ¦ã‡ãŠ-¾ããâÞãã •ãÀ ¦ãñ ½ã¾ã¦ã ¢ããÊãñ ‚ã©ãÌãã ¦¾ããâ¶ãã ‚ã¹ãâØã¦Ìã ‚ããÊãñ ¦ãÀ ¦¾ããâÞãã ãäÌã½ãã ãäª.15/08/2007 ¦ãñ ãäª.14/08/2008 ¾ãã ‡ãŠãÊããÌã£ããè ‡ãŠãäÀ¦ãã „¦ãÀãäÌãÊãã Öãñ¦ãã Öñ ½ã㶾㠇ãñŠÊãñ ‚ããÖñ.   ¦¾ããâ¶ããè ¹ãì¤ñ ‚ãÔãñÖãè ‡ãŠ©ã¶ã ‡ãñŠÊãñ ‚ããÖñ ‡ãŠãè, ¦ã‰ãŠãÀªãÀãâÞãã ãäÌã½ãã ªãÌãã Öã ‚ããÌãξã‡ãŠ ‚ãÔãËñËãè ‡ãŠãØ㪹ã¨ãñ Öãè „ãäÎãÀã ½Ö¥ã•ãñÞã 15/08/2008 ¶ãâ¦ãÀ ªãŒãË ‡ãñŠËãè ¦¾ãã½ãìßñ ¦¾ããâÞãã ãäÌã½ãã ªãÌãã 7/01/2010 Þ¾ãã ¹ã¨ãã¶ãñ ¶ãã½ãâ•ãîÀ ‡ãŠÀ¥¾ãã¦ã ‚ããËã ‚ããÖñ. ¦ãÔãñ ¦ã‰ãŠãªãÀãâ¶ãã ‡ãŠßãäÌãËñ ‚ããÖñ. ¾ããÞã ‚ã©ããöãñ ¦¾ããâ¶ããè ÔãñÌãã ªñ¥¾ãã¦ã ‡ãŠãñ¥ã¦ããèÖãè ‡ãŠ½ã¦ãÀ¦ãã ŸñÌãËñËãè ¶ããÖãè.   Ôãºãºã ¦¾ããâÞ¾ãã ãäÌãÁ£ªÞãã ¦ã‰ãŠãÀ ‚ã•ãà Á.5,000/- ‡ãŠãù½¹ãòÔãñ›Àãè ‡ãŠãùÔ›ÔãÖ Àÿ ‡ãŠÀ¥¾ãã¦ã ¾ããÌãã ‚ãÎããè ÎãñÌã›ãè ¦¾ããâ¶ããè ãäÌã¶ãâ¦ããè ‡ãñŠËãè ‚ããÖñ.

 

[6]              ¹ãÆÔ¦ãì¦ã ¹ãƇãŠÀ¥ããè ¦ã‰ãŠãÀªãÀãâÞããè ¦ã‰ãŠãÀ, Ôãã½ã¶ãñÌããËñ ¶ãâ.1 Ìã 2 ¾ããâÞããè ‡ãõŠãä¹ãŠ¾ã¦ã, ¦ãÔãñÞã „¼ã¾ã¹ãàããâ¶ããè ¹ãìÀã̾ãã‡ãŠã½ããè ªãŒãË ‡ãñŠËñËãè Íã¹ã©ã¹ã¨ãñ Ìã ‡ãŠãØ㪹ã¨ãñ ¦ãÔãñÞã ¦ã‰ãŠãÀªãÀ Ìã Ôãã½ã¶ãñÌããËñ ¶ãâ. 1 ¾ããâÞãñ ãäÌã´ã¶ã Ìã‡ãŠãèË ‚ã¶ãì‰ãŠ½ãñ Ñããè ¹ããªãèÀ Ìã Ñããè.½ãñÖñÀ ¾ããâÞãã ¾ãìãä‡ã‹¦ãÌã㪠ãäÌãÞããÀã¦ã Üãñ¦ãã ÔãªÀ ¦ã‰ãŠãÀ ‚ã•ããÃÞãñ ãä¶ãÌã㡾ããÞãñ ‡ãŠã½ããè ¾ãã ¶¾ãã¾ã½ãâÞããÞãñ ãäÌãÞããÀã©ãà ŒããÊããèÊã ½ãìÿñ  ¾ãñ¦ã ‚ããÖñ¦ã Ìã ¦¾ããÞãã ãä¶ãÓ‡ãŠÓãà Öñ ¶¾ãã¾ã½ãâÞã ŒããÊããèÊã ¹ãƽãã¥ãñ ¶ããòªãäÌã¦ã ‚ããÖñ. 

 

          ½ã쪪áñ :                                                                 ãä¶ãÓ‡ãŠÓãà :

 

          [‚ã]    Ôãã½ã¶ãñÌããÊãñ ¶ãâ.2 ¾ããâ¶ããè ¦ã‰ãŠãÀªãÀãâ¶ãã ÔãñÌãã

                   ªñ¥¾ãã¦ã  ‡ãŠãÖãè  ‡ãŠ½ã¦ãÀ¦ãã  ŸñÌãÊããè ‚ããÖñ ‡ãŠã¾ã  ?  : Öãñ¾ã.

            [ºã]     ‚ããªñÍã ‡ãŠã¾ã  ?                                          : ‚ãâãä¦ã½ã ‚ããªñÍãã ¹ãƽãã¥ãñ.

 

‡ãŠãÀ¥ãñ :

 

[7]              ½ãÖãÀãÓ›È ÎããÔã¶ãã¶ãñ Ôãã½ã¶ãñÌããÊãñ ¾ããâÞãñ ºãÀãñºãÀ ½ãÖãÀãÓ›Èã¦ããèË Œãã¦ãñªãÀ    Îãñ¦ã‡ãŠ-¾ããâÞãã Íãñ¦ã‡ãŠÀãè ̾ããä‡ã‹¦ãØã¦ã ‚ã¹ãÜãã¦ã ãäÌã½ãã ¾ããñ•ã¶ãñ ‚ãâ¦ãØãæã Øã› ãäÌã½ãã „¦ãÀãäÌãÊãã Öãñ¦ãã ‚ãããä¥ã ÔãªÀ Íãñ¦ã‡ãŠ-¾ããâÞãã ãäÌã½ãã Ö¹¦ããÖãè ÍããÔã¶ãã¶ãñ Ôãã½ã¶ãñÌããÊãñ ¾ããâ¶ãã ãäªËã Öãñ¦ãã ¾ãã ºããºããè „¼ã¾ã¹ãàããâ¶ãã ½ã㶾㠂ããÖñ¦ã.

 

[8]              ¦ã‰ãŠãÀªãÀãâ¶ããè ÌããÀÔãªãÀ ½Ö¥ãî¶ã ½ã¾ã¦ã Ìã¡ãèË  ¹ããÀã•ããè ‡ãŠãÀ¼ããÀãè ãäŒãËãÀãè  ¾ããâÞ¾ãã ‚ã¹ãÜãã¦ããè ½ãð¦¾ãì ¶ãâ¦ãÀ Îãñ¦ã‡ãŠÀãè ̾ããä‡ã‹¦ãØã¦ã ‚ã¹ãÜãã¦ã ãäÌã½ãã ¾ããñ•ã¶ãñ ‚ãâ¦ãØãæã ãäÌã½ãã À‡ã‹‡ãŠ½ã ãä½ãߥ¾ããÔããŸãè ‚ããÌãξã‡ãŠ ‡ãŠãØ㪹ã¨ããâÔãÖ ãäÌã½ãã ªãÌãã Ôãã½ã¶ãñÌããËñ ¾ããâÞãñ‡ãŠ¡ñ ªãŒãË ‡ãñŠËã ‚ãÔã¦ãã ¦¾ããâ¶ããè  ¦ããâãä¨ã‡ãŠ ‡ãŠãÀ¥ã ªãŒãÌãî¶ã ¦ã‰ãŠãªãÀãÞãã ãäÌã½ãã ªãÌãã ¶ãã½ãâ•ãîÀ ‡ãñŠËã.    ½Ö¥ãî¶ã ãäÌã½ãã À‡ã‹‡ãŠ½ã ãä½ãߥ¾ãã ‡ãŠãäÀ¦ãã ¦ã‰ãŠãÀªãÀãâ¶ãã ¹ãÆÔ¦ãì¦ãÞããè ¦ã‰ãŠãÀ ªãŒãË ‡ãŠÀ¥ãñ ¼ããØã ¹ã¡Ëñ ‚ããÖñ.  

 

[9]              ¾ãã Ôã⪼ããæã Ôãã½ã¶ãñÌããËñ ¶ãâ.2 ¾ããâÞãñ ãäÌã´ã¶ã Ìã‡ãŠãèË Ñããè.½ãñÖñÀ ¾ããâ¶ããè ‚ãÔãã ¾ãìãä‡ã‹¦ãÌã㪠‡ãñŠËã ‡ãŠãè, ¦ã‰ãŠãÀªãÀãÞãã ãäÌã½ãã ªãÌãã ŒããËãèË ‡ãŠãÀ¥ããÔ¦ãÌã ¶ãã½ãâ•ãîÀ ‡ãŠÀ¥¾ãã¦ã ‚ããËã ‚ããÖñ.

                  The above claim is repudiated for non submission of required documents by the claimant. Also the claim documents ( in complete ) are received late ie after the cut off date is 15 Nov.2008 as per G.R.

 

 [10] ¦¾ããâ¶ããè ¹ãì¤ñ ‚ãÔãñÖãè ¹ãÆãä¦ã¹ã㪶㠇ãñŠËñ ‡ãŠãè, ¦ã‰ãŠãªãÀãâ¶ããè ½ã¾ã¦ããÞãñ Ìã¡ãèËãâÞãñ ¶ããâÌãñ Îãñ¦ããè ‡ãŠÎããè ‚ããËãè ¾ããºãÿËÞãã ¹ãñŠÀ¹ãŠãÀ ªãŒãË ‡ãñŠËã ¶ããÖãè. ¦¾ãã½ãìßñ ¦ã‰ãŠãÀªãÀãÞãã ãäÌã½ãã ªãÌãã ãäÌã½ãã ¹ããùãäËÔããèÞ¾ãã ‚ã›ãè Ìã Îã¦ããê¶ãìÔããÀ ¾ããñؾãÞã ‡ãŠãÀ¥ãã¶ãñ ¶ãã½ãâ•ãîÀ ‡ãñŠËã ‚ããÖñ. ¾ãã¦ã ¦¾ããâ¶ããè ÔãñÌãã ªñ¥¾ãã¦ã ‡ãŠãñ¥ã¦ããèÖãè ‡ãŠ½ã¦ãÀ¦ãã ŸñÌãËãè ¶ããÖãè. Ôãºãºã ¦¾ããâÞãñ ãäÌãÁ£ªÞãã ¦ã‰ãŠãÀ ‚ã•ãà Àÿ ‡ãŠÀ¥¾ãã¦ã ¾ããÌãã. ‚ãÎããè ÎãñÌã›ãè ¦¾ããâ¶ããè ãäÌã¶ãâ¦ããè ‡ãñŠËãè ‚ããÖñ.

 

 [11]             ¹ãÀâ¦ãî ‚ãù¡.Ñããè.½ãñÖñÀ ¾ããâÞãã Öã ¾ãìãä‡ã‹¦ãÌã㪠ÔÌããè‡ãŠãÀ¥¾ãã ÔããÀŒãã ¶ããÖãè, ‚ãÔãñ ¾ãã ¶¾ãã¾ã½ãâÞããÞãñ ½ã¦ã ‚ããÖñ.   ‡ãŠãÀ¥ã ãä¶ã. 5/12 ÌãÀãèË ¹ãñŠÀ¹ãŠãÀ „¦ããÀã-¾ãã´ãÀñ ½ã¾ã¦ããÞ¾ãã  ¶ããâÌãñ  Îãñ¦ããè ‚ããËãè ‚ãÔãñ ãäªÔãì¶ã ¾ãñ¦ã ‚ããÖñ. ¦¾ããÞã „¦ãã-¾ããÌãÁ¶ã ½ã¾ã¦ããÞãñ Ìã¡ãèË ‡ãŠãÀ¼ããÀãè Àã½ãã ãäŒãËãÀãè Öñ ãäª. 19/04/67 Àãñ•ããè ½ã¾ã¦ã ¢ããËñ ¦¾ãã¶ãâ¦ãÀ 15/08/1982 Àãñ•ããè ½ã¾ã¦ããÞ¾ãã ¶ããâÌã ÌããÀÔãªãÀ ½Ö¥ãî¶ã ËãØãËñ. ¦ãÔãñÞã ãä¶ã. 5/11 ÌãÀãèË 7/12 „¦ããÀã-¾ããÌãÀ ½ã¾ã¦ããÞãñ ¶ããâÌã ËãØãʾããÞãñ ãäªÔãî¶ã ¾ãñ¦ã ‚ããÖñ. ¾ããÞããÞã ‚ã©ãà ‚ã¹ãÜãã¦ããÞ¾ãã Ü㛶ãñÞ¾ãã Ìãñßãè ½ã¾ã¦ããÞ¾ãã ¶ããâÌãñ Îãñ¦ããè ‚ãÔãʾããÞãñ Ô¹ãÓ› Öãñ¦ã ‚ããÖñ. ¦¾ãã½ãìßñ ¾ãã Ôã⪼ããæããèË Ôãã½ã¶ãñÌããËñ ¾ããâÞ¾ãã Ìã‡ãŠãèËãâÞ¾ã㠽֥㥾ãã¦ã ¦ã©¾ã ãäªÔãì¶ã ¾ãñ¦ã ¶ããÖãè, ‚ãÔãñ ¾ãã ¶¾ãã¾ã½ãâÞããÞãñ ½ã¦ã ‚ããÖñ.

 

 

[12]       Ôãã½ã¶ãñÌããËñ ¾ããâÞãñ Ìã‡ãŠãèËãâ¶ããè ªìÔãÀã ¾ãì‡ã‹¦ããèÌã㪠‚ãÔãã ‡ãñŠËã ‡ãŠãè, ¦¾ããâ¶ããè „ãäÎãÀã ãäÌã½ãã ªãÌãã ¹ããŸÌãËã ¹ãÀâ¦ãì ¦¾ããâÞãã Öã ¾ãì‡ã‹¦ããèÌã㪠ãäÔÌã‡ãŠãÀ¥¾ããÔããÀŒãã ¶ããÖãè ‚ãÔãñ ¾ãã ¶¾ãã¾ã½ãâÞããÞãñ Ô¹ãÓ› ½ã¦ã ‚ããÖñ.

 

 

 

[13]           ‡ãŠãÀ¥ã ¾ãã Ôã⪼ããæ㠂ããªÀ¥ããè¾ã ½ãÖãÀãÓ›È À㕾㠂ãã¾ããñØã ¾ããâ¶ããè ICICI  Lombard General Insurance Co. Ltd.  v/s Sindhubhai Khanderao Khairnar : II (2008) CPJ 403  ¾ãã ãä¶ãÌã㡾ãã¦ã ŒããËãèË ¹ãƽãã¥ãñ ¦ã¦Ìã ½ããâ¡Ëñ ‚ããÖñ.

"Clause regarding time-limit for submission of claim  not mandatory-Cannot be used to defeat genuine claim".

 

 

 [14]                 ¦ã‰ãŠãÀªãÀãâÞ¾ãã Ìã¡ãèËãâÞ¾ãã ¶ããÌãñ Îãñ¦ã •ã½ããè¶ã Öãñ¦ããè Öñ 7/12 Þãñ „¦ãã-¾ããÌãÁ¶ã  Ô¹ãÓ› Öãñ¦ã ‚ããÖñ.  ¦ã‰ãŠãÀªãÀãâÞãñ Ìã¡ãèË Öñ ¹ããÌãÔãã½ãìßñ ÜãÀ ¹ã¡ì¶ã ‚ã¹ãÜãã¦ããè  ½ã¾ã¦ã ¢ããËñ Öñ ¹ããñËãèÔããâ‡ãŠ¡ãèË ‡ãŠãØ㪹ã¨ããâÌãÁ¶ã Ô¹ãÓ› ãäªÔãî¶ã ¾ãñ¦ã ‚ããÖñ.   ¦ãÔãñÞã ãä¶ãÎãã¥ããè ¶ãâ.5/8 ÌãÀãèË ½ã¾ã¦ããÞãñ ÎãÌã ãäÌãÞœñª¶ã ‚ãÖÌããËãÌãÁ¶ãÖãè ½ã¾ã¦ããÞãã ½ãð¦¾ãì Öã ‚ã¹ãÜãã¦ããè ¢ããʾããÞãñ ãäªÔã¦ã ‚ããÖñ. ÌããÔ¦ããäÌã‡ãŠ ¦ã‰ãŠãÀªãÀãâÞ¾ãã Ìã¡ãèËãâÞãã ½ãð¦¾ãì ãäÌã½ãã ¹ããùãäËÔããèÞãñ ‡ãŠãËãÌã£ããè¦ã ¢ããËã Öãñ¦ãã ‚ãããä¥ã ¦¾ããâ¶ããè ‚ããÌãξã‡ãŠ ‡ãŠãØ㪹ã¨ããâÔãÖ ½Ö¥ã•ãñÞã  7/12 ‚ãããä¥ã ¹ãñŠÀ¹ãŠãÀ „¦ããÀã, ½ã¾ã¦ããÞãã ÎãÌããäÌãÞœñª¶ã ‚ãÖÌããË, ¹ããñËãèÔãã¦ããèË ŒãºãÀ, ¹ãâÞã¶ãã½ãã, ƒ¦¾ããªãèÔãÖ Ôãã½ã¶ãñÌããËñ ¶ãâ.1 ½ãã¹ãʦã Ôãã½ã¶ãñÌããËñ ¶ãâ.2 ¾ããâÞ¾ãã‡ãŠ¡ñ Ìãñßñ¦ãÞã ãäÌã½ãã ªãÌãã ¹ãÆÔ¦ããÌã ªãŒãË ‡ãñŠËã.  ‚ã©ããæã Öãè ÔãÌãà ‡ãŠãØ㪹ã¨ãñ ½ãÖÔãîË ¾ãâ¨ã¥ãñ ½ãã¹ãʦãÞã ¹ããŸãäÌãËãè.   ‚ãÔãñ ‚ãÔã¦ããâ¶ãã Ôãã½ã¶ãñÌããËñ ¶ãâ.2 ¾ããâ¶ããè ¦ã‰ãŠãÀªãÀãâ¶ãã ãäÌã½ãã À‡ã‹‡ãŠ½ã ‚ãªã ¶ã ‡ãŠÀ¥ãñ Öñ ãä¶ããäÎÞã¦ãÞã ºãñ‡ãŠã¾ãªñÎããèÀ ‚ããÖñ. 

 

                        „¹ãÀãñ‡ã‹¦ã ÔãÌãà Ü㛶ãã Ìã ÌãÔ¦ãìãäÔ©ã¦ããè ¹ããÖ¦ãã, Ôãã½ã¶ãñÌããËñ  ¾ããâ¶ããè ¦ã‰ãŠãÀªãÀãâ¶ãã ¦¾ããâÞ¾ãã ½ã¾ã¦ã Ìã¡ãèËãâÞãã ãäÌã½ãã À‡ã‹‡ãŠ½ã ‚ãªã ¶ã ‡ãŠÀ¥ãñ Öñ ãä¶ããäÎÞã¦ãÞã ‚ã¶ãìãäÞã¦ã, ‚㶾ãã¾ã‡ãŠãÀ‡ãŠ Ìã Þãì‡ãŠãèÞãñ ‚ããÖñ, ‚ãÔãñ ¾ãã ¶¾ãã¾ã½ãâÞããÞãñ ½ã¦ã ‚ããÖñ.

 

 [15]            ‡ãŠãÀ¥ã Îãñ¦ã‡ãŠÀãè ‚ã¹ãÜãã¦ã ãäÌã½ãã ¾ããñ•ã¶ãñÞãã ½ãìß Öñ¦ãîÞã ¦¾ãã½ãìßñ ãä¶ãÓ¹ãŠß Öãñ¦ã ‚ããÖñ.    ‡ãŠãÀ¥ã Îãñ¦ã‡ãŠÀãè ‚ã¹ãÜãã¦ã ãäÌã½ãã ¾ããñ•ã¶ãñÞãã ½ã쌾ã Öñ¦ãîÞã ‚ãÔãã ‚ããÖñ ‡ãŠãè, ãäÌã½ãã£ããÀ‡ãŠ Îãñ¦ã‡ãŠÀãè Öã ÜãÀã¦ããèË ‡ãŠ¦ããà ‚ãÔã¦ããñ ¦ããñ ½ã¾ã¦ã ¢ããʾãã ¶ãâ¦ãÀ ¦¾ããÞãñ ‡ã슛îâºããÔã ‚ãããä©ãÇ㊠ãäÌãÌãâÞã¶ãã Ìã ‚ã¡Þã¥ããè ãä¶ã½ããÃ¥ã Öãñ¦ãã¦ã.    ¦¾ãã½ãìßñ ¦¾ããÞãñ ‡ã슛îâºããè¾ããâ¶ãã ‚ãããä©ãÇ㊠½ãª¦ããèÞãã Öã¦ã ãä½ãßãÌãã ¦ãÔãñÞã ‚ãã£ããÀ ãä½ãßãÌãã ‚ãÎãã „ªã¦¦ã Öñ¦ãî¶ãñ ÔãªÀ ¾ããñ•ã¶ãã ÔãìÁ ‡ãñŠËñËãè ‚ããÖñ.    ¦ãÔãñÞã  ÜãÀã¦ããèË Ì¾ã‡ã‹¦ããè Øãñʾãã ¶ãâ¦ãÀ ‚ãÎãã ªì:Œãª ¹ãÆÔãâØãã¦ãî¶ã ÔããÌãÀ¥¾ããÔã ¦¾ããÞãñ ‡ã슛îâºããè¾ããâ¶ãã ‡ãŠãÖãè ‡ãŠãß •ãã¥ãñ ÔããÖ•ããè‡ãŠÞã ‚ããÖñ.   ¦ãÔãñÞã ‡ãŠãØ㪹ã¨ããâÞããè •ãìßÌãã •ãìßÌã ‡ãŠÀ¥¾ããÔã ‡ãŠãÖãè ‡ãŠãß ËãØã¥ãñ ÔÌãã¼ãããäÌã‡ãŠÞã ‚ããÖñ.   ¾ãã ÔãÌãà ºããºããéÞãã ãäÌãÞããÀ ‡ãŠÀ¦ãã ¦ã‰ãŠãÀªãÀãâ¶ããè „ÎããèÀã ãäÌã½ãã ªãÌãã ‚ããÌãÎã¾ã‡ãŠ ‡ãŠãØ㪹ã¨ããÔãÖ Ôãã½ã¶ãñÌããËñ‡ãŠ¡ñ ªãŒãË ‡ãñŠËã ‚ãÔããÌãã ÌããÔ¦ããäÌã‡ãŠ Ôãã½ã¶ãñÌããËñ  ¾ããâ¶ããè ¦ã‰ãŠãÀªãÀãâ¶ãã ¦¾ããâÞ¾ãã ãäÌã½ãã ªã̾ããÞããè À‡ã‹‡ãŠ½ã ½ãâ•ãîÀ ‡ãŠÁ¶ã ¦ã㦇ãŠãß ªñ¥ãñ ØãÀ•ãñÞãñ Ìã ºãâ£ã¶ã‡ãŠãÀ‡ãŠ ‚ãÔã¦ããâ¶ãã ¦ããè À‡ã‹‡ãŠ½ã ¶ã ªñ…¶ã ÔãñÌãã ªñ¥¾ãã¦ã ãä¶ããäÎÞã¦ãÞ㠇㊽ã¦ãÀ¦ãã ŸñÌãËãè ‚ããÖñ, ¾ãã ãä¶ãÓ‡ãŠÓããùãƦã Öñ ¶¾ãã¾ã½ãâÞã ¾ãñ¦ã ‚ããÖñ.   Ôãºãºã ½ãìÿã ‰ãŠ. "‚ã" Þãñ „¦¦ãÀ Öãñ‡ãŠãÀã©ããê ªñ¥¾ãã¦ã ‚ããËñ ‚ããÖñ.

 

 

[16]              Ôãã½ã¶ãñÌããËñ ¶ãâ 1 Öñ ÎããÔã¶ããÞ¾ãã Îãñ¦ã‡ãŠÀãè ̾ããä‡ã‹¦ãØã¦ã ‚ã¹ãÜãã¦ã Øã› ãäÌã½ãã ¾ããñ•ã¶ãñ ‚ãâ¦ãØãæ㠦ã‰ãŠãÀªãÀ, ÎããÔã¶ã ‚ãããä¥ã Ôãã½ã¶ãñÌããËñ ãäÌã½ãã ‡ã⊹ã¶ããè ¾ããâÞãñ½ã£¾ãñ ‡ãñŠÌãß ½ã£¾ãÔ©ã ½Ö¥ãî¶ã ‡ãŠã½ã ‡ãŠÀãè¦ã ‚ããÖñ¦ã.  ¦¾ããâ¶ããè ãäÌã½ãã ¾ããñ•ã¶ãñ ‚ãâ¦ãØãæ㠇ãŠãñ¥ã¦ããÖãè ãäÌã½ãã Ö¹¦ãã ÔÌããè‡ãŠãÀËñËã ¶ããÖãè.  ¦¾ãã½ãìßñ ãäÌã½ãã À‡ã‹‡ãŠ½ã ªñ¥¾ããÞããè ¦¾ããâÞããè ‡ãŠãñ¥ã¦ããèÖãè •ãºããºãªãÀãè ¶ããÖãè, ‚ãÔãñÖãè ¾ãã ¶¾ãã¾ã½ãâÞããÞãñ ½ã¦ã ‚ããÖñ.   ¦¾ãã½ãìßñ ¦¾ããâÞ¾ãã ãäÌãÁ£ª ‡ãŠãñ¥ã¦ããÖãè ‚ããªñÎã ¹ãããäÀ¦ã ‡ãŠÀ¥ãñ ¾ããñؾã Öãñ¥ããÀ ¶ããÖãè.

 

 

[17]           „¹ãÀãñ‡ã‹¦ã ÔãÌãà ºããºããéÞãã ãäÌãÞããÀ ‡ãŠÀ¦ãã, Ôãã½ã¶ãñÌããËñ ¶ãâ. 2 ¾ããâ¶ããè Îãñ¦ã‡ãŠÀãè ‚ã¹ãÜãã¦ã ãäÌã½ãã ¾ããñ•ã¶ãñ ‚ãâ¦ãØãæ㠦ã‰ãŠãÀªãÀãâ¶ãã ¹ããÀã•ããè ‡ãŠãÀ¼ããÀãè ãäŒãËãÀãè ¾ããâÞ¾ãã ãäÌã½¾ããÞããè À‡ã‹‡ãŠ½ã Á.1,00,000/- ªñ¥ãñ ¾ããñؾã Ìã ÀãÔ¦ã ÖãñƒÃË, ‚ãÔãñÖãè ¾ãã ¶¾ãã¾ã½ãâÞããÞãñ ½ã¦ã ‚ããÖñ.   Ôãºãºã  ¶¾ãã¾ããÞãñ ÒÓ›ãè¶ãñ ŒããËãèË ‚ããªñÎã ¹ãããäÀ¦ã ‡ãŠÀ¥¾ãã¦ã ¾ãñ¦ã ‚ããÖñ.

 

 

‚ããªñÎã

 

[‚ã]    ¦ã‰ãŠãÀªãÀãâÞããè ¦ã‰ãŠãÀ ½ãâ•ãîÀ ‡ãŠÀ¥¾ãã¦ã ¾ãñ¦ã ‚ããÖñ.

 

[ºã]     Ôãã½ã¶ãñÌããËñ ¶ãâ. 2 ¾ããâ¶ããè ÔãªÀ ãä¶ã‡ãŠãËãÞãñ ¦ããÀŒãñ ¹ããÔãî¶ã ¹ãì¤ãèË ¹ãâÞãñÞããßãèÔã ãäªÌãÔããâÞãñ ‚ãã¦ã.

 

[1]    ¦ã‰ãŠãÀªãÀãâ¶ãã ãäÌã½¾ããÞããè À‡ã‹‡ãŠ½ã Á.1,00,000/-  [Á.†‡ãŠ ÊããŒã  ½ãã¨ã] ª¾ããÌãñ¦ã. 

 

[2]    ¦ãÔãñÞã ¦ã‰ãŠãÀªãÀãâ¶ãã ÌãÀ ¶ã½ãîª ‡ãñŠÊãñÊããè À‡ã‹‡ãŠ½ã ½ã쪦ããè¦ã ¶ã ãäªÊ¾ããÔã, ¦¾ããÌãÀ ¦ã‰ãŠãÀ ªãŒãÊã ¦ããÀŒãñ ¹ããÔãî¶ã ¦ãñ Ôãâ¹ãî¥ãà À‡ã‹‡ãŠ½ã  ªñƒÃ¹ã¾ãĦãÞãñ ‡ãŠãÊããÌã£ããèÔããŸãè ª.Ôãã.ª.Íãñ.10 ›‡ã‹‡ãñŠ ¹ãƽãã¥ãñ ̾ãã•ã ¦ã‰ãŠãÀªãÀãâ¶ãã ª¾ããÌãñ.

 

[3]    Ôãã½ã¶ãñÌããËñ ¶ãâ 2 ¾ããâ¶ããè ¦ã‰ãŠãÀªãÀãâ¶ãã ÔãñÌãã ªñ¥¾ãã¦ã ‡ãŠ½ã¦ãÀ¦ãã ŸñÌãËãè ½Ö¥ãî¶ã ¶ãì‡ãŠÔãã¶ã ¼ãÀ¹ããƒÃ¹ããñ›ãè À‡ã‹‡ãŠ½ã Á.15,000/- [Á. ¹ãâ£ãÀã Ö•ããÀ ½ãã¨ã] ¦ã‰ãŠãÀªãÀãâ¶ãã ª¾ããÌãñ¦ã.

 

[4]    ¦ã‰ãŠãÀªãÀãâ¶ãã ½ãã¶ããäÔã‡ãŠ ¨ããÔã Ìã ¦ã‰ãŠãÀ ‚ã•ããÃÞãñ ŒãÞããùããñ›ãè †‡ãã À‡ã‹‡ãŠ½ã Á.2,000/- [Á.ªãñ¶ã Ö•ããÀ ½ãã¨ã] ª¾ããÌãñ¦ã.

 

 

[‡ãŠ]    Ôãã½ã¶ãñÌããËñ ¶ãâ.1 ãäÌãÁ£ª ‡ãŠãñ¥ã¦ããÖãè ‚ããªñÎã ¶ããÖãè.

 

[¡]     Ôãâºãâãä£ã¦ããâ¶ãã ‚ããªñÎã ‡ãŠßãäÌ㥾ãã¦ã ¾ããÌãã. 

 

‚ãֽ㪶ãØãÀ.

ã䪶ããâ‡ãŠ :  19/06/2010.

 

 

 

 

           {‚ãù¡.Ôããõ.½ããä¶ãÓãã ‡ãõŠËãÔã Œã¡ã½ã‡ãŠÀ}                       {Ñããè.Ôãì£ãã‡ãŠÀ.‡ãñŠ.ãäºã¶ãÌã¡ñ}

                        ÔãªÔ¾ãã                                                 ‚㣾ãàã

          ãä•ãÊÖã ØãÆãև㊠¦ã‰ãŠãÀ ãä¶ãÌããÀ¥ã                     ãä•ãÊÖã ØãÆãև㊠¦ã‰ãŠãÀ ãä¶ãÌããÀ¥ã

              ¶¾ãã¾ã½ãâÞã,‚ãֽ㪶ãØãÀ.                             ¶¾ãã¾ã½ãâÞã,‚ãֽ㪶ãØãÀ.

 

 

 

 

 

 

 

 

 


, HONORABLE test, PRESIDING MEMBER ,