The Branch Manager, United India Insurance Co.Ltd; Nagare Building, II nd Floor, Ward No. 4,Bajar Rd V/S Anand Goraknath Sharma, Deepak,Opp.Central Bank Of India,Shrirampur,Dist Ahmednagar. - Consumer Court Case

Maharashtra

Ahmednagar

CC/10/147

Anand Goraknath Sharma, Deepak,Opp.Central Bank Of India,Shrirampur,Dist Ahmednagar. - Complainant(s)

Versus

The Branch Manager, United India Insurance Co.Ltd; Nagare Building, II nd Floor, Ward No. 4,Bajar Rd - Opp.Party(s)

Adv.Soni.

25 Jun 2010

ORDER


District Consumer ForumParag Building, Opp To Collector Office, District Ahmednagar. Maharashtra
CONSUMER CASE NO. 10 of 147

1. Anand Goraknath Sharma, Deepak,Opp.Central Bank Of India,Shrirampur,Dist Ahmednagar.Opp.Central Bank, ShrirampurAhmednagarMaharastra						...........Appellant(s)
Vs.
1. The Branch Manager, United India Insurance Co.Ltd; Nagare Building, II nd Floor, Ward No. 4,Bajar Rd; Shrirampur, Ahmednagar.Ward No.Bajar rd,ShrirampurAhmednagarMaharastra						...........Respondent(s)

For the Appellant :

Adv.Soni., Advocate for

For the Respondent :

Ashok Bang, Advocate

Dated : 25 Jun 2010

ORDER

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ãä•ãÊÖã ØãÆãÖ‡ãŠ ¦ã‰ãŠãÀ ãä¶ãÌããÀ¥ã ¶¾ãã¾ã½ãâÞã,‚ãÖ½ãª¶ãØãÀ.

½ãã.‚ã£¾ãàã : Ñããè.Ôãì£ãã‡ãŠÀ ‡ãñŠ.ãäºã¶ãÌã¡ñ.

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

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Ôããè.¹ããè.†.¦ã‰ãŠãÀ ‰ãŠ½ããâ‡ãŠ : 147/2010.

¦ã‰ãŠãÀ ªãŒãË ãäª¶ããâ‡ãŠ : 18/03/2010.

¦ã‰ãŠãÀ ãä¶ã‡ãŠãËãè ãäª¶ããâ‡ãŠ : 25/06/2010.

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‚ãã¶ãâª ØããñÀŒã¶ãã©ã Îã½ããÃ. ----- ¦ã‡ãÆŠãÀªãÀ.

Àã."ãäª¹ã‡ãŠ",Ôãò›ÈË ºãú‡ãŠ ‚ããù¹ãŠ ƒâãä¡¾ãã Ôã½ããñÀ,

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[¦ã‰ãŠãÀªãÀ ¾ããâÞãñ Ìã‡ãŠãèÊã : Ñããè.Ôããñ¶ããè.]

[Ôãã½ã¶ãñÌããËñ ¶ãâ.1 ¾ããâÞãñ Ìã‡ãŠãèË : Ñããè.ºãâØã.]

[Ôãã½ã¶ãñÌããËñ ¶ãâ.2: †‡ãŠ¦ã¹ãŠãÃ.]

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ãä¶ã‡ãŠãË¹ã¨ã

{ ´ãÀã : ½ãã.‚ã£¾ãàã,Ñããè.Ôãì£ãã‡ãŠÀ ‡ãñŠ.ãäºã¶ãÌã¡ñ.}

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[1] ¦ã‰ãŠãÀªãÀãâ¶ããè ¹ãÆÔ¦ãì¦ãÞããè ¦ã‰ãŠãÀ ¦¾ããâÞ¾ãã ½ããË‡ãŠãèÞãñ ›ã›ã ›Èú‡ãŠÀ ¶ããòª¥ããè ‰ãŠ½ããâ‡ãŠ †½ã.†Þã.17 ›ãè 6982 Ëã ‚ã¹ãÜãã¦ãã¦ã ¢ããËñÊ¾ãã ¶ãì‡ãŠÔãã¶ããèÞ¾ãã ãäÌã½¾ããÞããè À‡ã‹‡ãŠ½ã ãä½ãß¥¾ããÔããŸãè ªãŒãË ‡ãñŠËãè ‚ããÖñ. ¦¾ããâÞãñ ½Ö¥ã¥ãñ ©ããñ¡‡ã‹¾ãã¦ã ŒããËãèË ¹ãÆ½ãã¥ãñ ‚ããÖñ.

¦ã‰ãŠãÀªãÀãâ¶ããè ÌãÀ ¶ã½ãîª ‡ãñŠËñËñ ÌããÖ¶ã Ôãã½ã¶ãñÌããËñ ¶ãâ.2 Ñããè.À¥ã•ããè¦ããäÔãâØã ‚ããÖì•ãã ¾ããâÞãñ‡ãŠ¡î¶ã ãäª.28/07/2009 Àãñ•ããè ŒãÀñªãè ‡ãñŠËñ. ¦¾ãã ÌããÖ¶ããÞãã ãäÌã½ãã Ôãã½ã¶ãñÌããËñ ¶ãâ.2 ¾ããâ¶ããè ¦ãñ ÌããÖ¶ã ãäÌã‡ãŠ¥¾ãã¹ãìÌããêÞã Ôãã½ã¶ãñÌããËñ ¶ãâ.1 ¾ããâÞ¾ãã‡ãŠ¡ñ „¦ãÀãäÌãËñËã Öãñ¦ãã. ¦¾ãã ãäÌã½¾ããÞ¾ãã ‡ãŠãËãÌã£ããè ½ã£¾ãñ ½Ö¥ã•ãñÞã ãäª.25/09/2009 Àãñ•ããè ¦¾ãã ÌããÖ¶ããÔã ‚ã¹ãÜãã¦ã Öãñ…¶ã ¦¾ããÞãñ ºãÀñÞãÔãñ ¶ãì‡ãŠÔãã¶ã ¢ããËñ. ¦ã‰ãŠãÀªãÀãâ¶ããè À‡ã‹‡ãŠ½ã Á.33,550/- ŒãÞãÃ ‡ãŠÁ¶ã ¦¾ãã ‚ã¹ãÜãã¦ãØãÆÔ¦ã ÌããÖ¶ããÞããè ªìÁÔ¦ããè ‡ãŠÁ¶ã Üãñ¦ãËãè. ªÀ½¾ãã¶ãÞãñ ‡ãŠãßã¦ã ¦ã‰ãŠãÀªãÀãâ¶ããè ‚ããÌãÎ¾ã‡ãŠ ¦¾ãã ‡ãŠãØãª¹ã¨ããâÔãÖ ãäÌã½ãã ªãÌãã Ôãã½ã¶ãñÌããËñ ¾ããâÞ¾ãã‡ãŠ¡ñ ªãŒãË ‡ãñŠËã. ¹ãÀâ¦ãî Ôãã½ã¶ãñÌããËñ ¾ããâ¶ããè ¦¾ããâÞãã ãäÌã½ãã ªãÌãã Þãì‡ãŠãèÞãñ ‡ãŠãÀ¥ã ªãŒãÌãî¶ã ¶ãã‡ãŠãÀËã. ½Ö¥ãî¶ã ¦ã‰ãŠãÀªãÀãâ¶ãã ¹ãÆÔ¦ãì¦ãÞããè ¦ã‰ãŠãÀ ªãŒãË ‡ãŠÀ¥ãñ ¼ããØã ¹ã¡Ëñ.

[2] Ôãã½ã¶ãñÌããËñ ¶ãâ.1 ¾ããâ¶ããè ¦¾ããâÞããè ‡ãõŠãä¹ãŠ¾ã¦ã ãä¶ãÎãã¥ããè ¶ãâ.14 Ëã ªãŒãË ‡ãŠÁ¶ã ‚ã¹ãÜãã¦ãØãÆÔ¦ã ÌããÖ¶ããÞãã ãäÌã½ãã ¦¾ããâÞ¾ãã‡ãŠ¡ñ „¦ãÀãäÌãÊ¾ããÞãñ ½ãã¶¾ã ‡ãñŠËñ. ¦ãÔãñÞã ¦ã‰ãŠãÀªãÀãâ¶ããè ¦¾ããâÞ¾ãã‡ãŠ¡ñ ªãŒãË ‡ãñŠËñËã ãäÌã½ãã ªãÌãã ¦¾ããâ¶ããè ¶ãã‡ãŠãÀËã Öñ ªñŒããèË ‡ãŠºãîË ‡ãñŠËñ. ¦¾ããâÞ¾ãã ½Ö¥ã¥¾ãã ¹ãÆ½ãã¥ãñ ¦¾ããâ¶ããè ¦ã‰ãŠãÀªãÀãâÞãã ãäÌã½ãã ªãÌãã ¾ããñØ¾ã ¦¾ãã ‡ãŠãÀ¥ããÌãÁ¶ãÞã ¶ãã‡ãŠãÀËñËã ‚ããÖñ. ¾ãã Ôãâª¼ããÃ¦ã Ôãã½ã¶ãñÌããËñ ¶ãâ.1 ¾ããâÞãñ ãäÌãÎãñÓã ‡ãŠÁ¶ã ‚ãÔãñ ‡ãŠ©ã¶ã ‚ããÖñ ‡ãŠãè, ‚ã¹ãÜãã¦ãØãÆÔ¦ã ÌããÖ¶ããÞ¾ãã ãäÌã½¾ããÞ¾ãã ‡ãŠãËãÌã£ããè ½ã£¾ãñ ¦ã‰ãŠãÀªãÀãâ¶ããè ¦ãñ ÌããÖ¶ã ½ãìß ãäÌã½ãã£ããÀ‡ãŠ Ìã ½ããË‡ãŠ ¾ããâÞ¾ãã‡ãŠ¡î¶ã ŒãÀñªãè ‡ãñŠËñ. ¹ãÀâ¦ãî ¦¾ãã ÌããÖ¶ããÞãñ ‚ã¹ãÜãã¦ããÞãñ ¦ããÀŒãñ ¹ã¾ãÄ¦ã ãä‡ãâŠÌãã ¦¾ãã¶ãâ¦ãÀ ªñŒããèË ¦ã‰ãŠãÀªãÀãâ¶ããè ¦¾ãã ÌããÖ¶ããÞããè ãäÌã½ãã ¹ããùãäËÔããè ¦¾ããâÞ¾ãã ¶ããÌããÌãÀ ÖÔ¦ããâ¦ãÀãè¦ã ‡ãŠÁ¶ã Üãñ¦ãËãè ¶ããÖãè. ¦¾ãã½ãìßñ ¦¾ããâ¶ãã ãäÌã½¾ããÞããè À‡ã‹‡ãŠ½ã ½ããØã¥¾ããÞãã ‚ããä£ã‡ãŠãÀ ¶ãÔãÊ¾ãã½ãìßñ ¦ã‰ãŠãÀ Àªªá ‡ãŠÀãÌããè ‚ãÎããè ÎãñÌã›ãè ¦¾ããâ¶ããè ãäÌã¶ãâ¦ããè ‡ãñŠËãè.

[3] Ôãã½ã¶ãñÌããËñ ¶ãâ.2 Öñ ¶ããñãä›Ôã ãä½ãßî¶ã ªñŒããèË ØãõÀÖ•ãÀ ÀããäÖÊ¾ãã½ãìßñ ¦¾ããâÞ¾ãã ãäÌãÁ£ª †‡ãŠ¦ã¹ãŠãÃÞãã Öì‡ãîŠ½ã ‡ãŠÀ¥¾ãã¦ã ‚ããËã.

[4] ¦ã‰ãŠãÀªãÀ Ìã Ôãã½ã¶ãñÌããÊãñ ¶ãâ.1 ¾ããâ¶ããè ¦¾ããâÞ¾ãã ½Ö¥ã¥¾ããÞ¾ãã ¹ãðÓ›¾ã©ãÃ ¹ãìÀãÌãã ½Ö¥ãî¶ã Íã¹ã©ã¹ã¨ã Ìã ‡ãŠãØãª¹ã¨ã ¹ãÆ‡ãŠÀ¥ãã¦ã ªãŒãÊã ‡ãñŠÊãñ ‚ããÖñ¦ã. ¦ã‰ãŠãÀªãÀãâÞãñ ãäÌã´ã¶ã Ìã‡ãŠãèÊã Ñããè.Ôããñ¶ããè Ìã Ôãã½ã¶ãñÌããÊãñ ¶ãâ.1 ¾ããâÞãñ ãäÌã´ã¶ã Ìã‡ãŠãèÊã Ñããè.ºãâØã ¾ããâ¶ããè ‡ãñŠÊãñÊãñ ¾ãìãä‡ã‹¦ãÌããª †ñ‡ãŠÊãñ. ªãñ¶ÖãèÖãè ¹ãàã‡ãŠãÀãâ¶ããè ªãŒãÊã ‡ãñŠÊãñÊãñ Íã¹ã©ã¹ã¨ã Ìã ‡ãŠãØãª¹ã¨ã ¦ãÔãñÞã ¦¾ããâÞ¾ãã Ìããä‡ãŠÊããâÞãã ¾ãìãä‡ã‹¦ãÌããª †ñ‡ãŠÊ¾ããÌãÁ¶ã ¾ãã ¶¾ãã¾ã½ãâÞããÞ¾ãã ãäÌãÞããÀã©ãÃ ŒããÊããèÊã ½ãìªªáñ „¹ããäÔ©ã¦ã Öãñ¦ãã¦ã.

½ãìªªáñ : ãä¶ãÓ‡ãŠÓãÃ :

[‚ã] Ôãã½ã¶ãñÌããËñ ¶ãâ. 1 ¾ããâ¶ããè ¦ã‰ãŠãÀªãÀãâÞãã

ãäÌã½ãã ªãÌãã ¾ããñØ¾ã ¦¾ãã ‡ãŠãÀ¥ããÌãÁ¶ã

¶ãã‡ãŠãÀËã ‚ããÖñ ‡ãŠã¾ã ? : Öãñ¾ã.

[ºã] Ôãã½ã¶ãñÌããÊãñ ¶ãâ. 1 ¾ããâ¶ããè ¦ã‰ãŠãÀªãÀãâ¶ãã

ªñ¥¾ããÞ¾ãã ÔãñÌãñ¦ã ‡ãŠ½ã¦ãÀ¦ãã ŸñÌãËãè ‚ããÖñ

‡ãŠã¾ã ? : ¶ããÖãè.

[‡ãŠ] ‡ãŠã¾ã ‚ããªñÍã ? : ‚ãâãä¦ã½ã ‚ããªñÍãã ¹ãÆ½ãã¥ãñ.

‡ãŠãÀ¥ãñ

[5] ¹ãÆ‡ãŠÀ¥ãã¦ã ªãŒãË ¢ããËñÊ¾ãã ‡ãŠãØãª¹ã¨ããâÞãñ ‚ãÌãËãñ‡ãŠ¶ã ‡ãñŠËñ ‚ãÔã¦ãã ‚ãÔãñ ãäªÔã¦ãñ ‡ãŠãè, ¦ã‰ãŠãÀªãÀãâ¶ããè ÌãÀ ¶ã½ãîª ‡ãñŠËñËñ ÌããÖ¶ã ¦¾ãã ÌããÖ¶ããÞãñ ¹ãìÌããêÞãñ ½ããË‡ãŠ Ôãã½ã¶ãñÌããËñ ¶ãâ.2 ¾ããâÞ¾ãã‡ãŠ¡î¶ã ŒãÀñªãè ‡ãñŠËñ Ìã ¦¾ãã¶ãâ¦ãÀ ¦¾ããâ¶ããè ¦¾ããâÞãñ ¶ããâÌã ¦¾ãã ÌããÖ¶ããÞ¾ãã ¶ããòª¥ããè ¹ãìÔ¦ã‡ãŠã¦ã ãäª.28/07/2009 Àãñ•ããè ½ããË‡ãŠ ½Ö¥ãî¶ã ËãÌãî¶ã Üãñ¦ãËñ. ¦¾ãã ÌããÖ¶ããÞãã Ì¾ãÌãÖãÀ Öãñ¥¾ãã¹ãìÌããê ¦¾ãã ÌããÖ¶ããÞãã ãäÌã½ãã Ôãã½ã¶ãñÌããËñ ¶ãâ.2 ¾ããâ¶ããè ãäª.04/07/2009 ¦ãñ 03/07/2010 ¾ãã ‡ãŠãËãÌã£ããèÔããŸãè „¦ãÀãäÌãÊ¾ãã ºãªªáË „¼ã¾ã¹ãàãã¦ã Ìããª ¶ããÖãè. ¦¾ãã ÌããÖ¶ããÔã ãäª.25/09/2009 Àãñ•ããè ‚ã¹ãÜãã¦ã Öãñ…¶ã ¦¾ããÞãñ ‡ãŠãÖãè ¶ãì‡ãŠÔãã¶ã ¢ããÊ¾ããÞãñ ªñŒããèË ‡ãŠãØãª¹ã¨ããâÌãÁ¶ã ãäªÔãî¶ã ¾ãñ¦ãñ. ‚ãÎãã ¢ããËñÊ¾ãã ¶ãì‡ãŠÔãã¶ããèÞãã ãäÌã½ãã ªãÌãã ¦ã‰ãŠãÀªãÀãâ¶ããè Ôãã½ã¶ãñÌããËò‡ãŠ¡ñ ªãŒãË ‡ãñŠËã Ìã ¦ããñ ªãÌãã Ôãã½ã¶ãñÌããËñ ¾ããâ¶ããè ¦¾ããâÞãñ ¹ã¨ã ãäª.11/12/2009 [ãä¶ãÎãã¥ããè ¶ãâ.6/5] ‚ã¶Ìã¾ãñ ¦ã‰ãŠãÀªãÀãÔã "No Insurable Intrest" Öñ ‡ãŠãÀ¥ã ªãŒãÌãî¶ã ¶ãã‡ãŠãÀÊ¾ããÞãñ ãäªÔã¦ãñ.

[6] ¾ãã Ôãâª¼ããÃ¦ã ¦ã‰ãŠãÀªãÀãâÞãñ ãäÌã´ã¶ã Ìã‡ãŠãèË Ñããè.Ôããñ¶ããè ¾ããâ¶ããè ‚ãÔãã ¾ãìãä‡ã‹¦ãÌããª ‡ãñŠËã ‡ãŠãè, ¦ã‰ãŠãÀªãÀãâ¶ããè ¦ãñ ÌããÖ¶ã Ôãã½ã¶ãñÌããËñ ¶ãâ.2 ¾ããâÞãñ‡ãŠ¡î¶ã ŒãÀñªãè ‡ãñŠÊ¾ãã ¶ãâ¦ãÀ ¦¾ããâÞãñ ¶ããâÌã ¦¾ãã ÌããÖ¶ããÞ¾ãã ¶ããòª¥ããè ¹ãìÔ¦ã‡ãŠã¦ã ½ããË‡ãŠ ½Ö¥ãî¶ã ËãÌãî¶ã Üãñ¦ãËñ. ¦¾ããâ¶ããè ¹ãì¤ñ ‚ãÔããÖãè ¾ãìãä‡ã‹¦ãÌããª ‡ãñŠËã ‡ãŠãè, ÌããÖ¶ããÔã ¢ããËñÊ¾ãã ‚ã¹ãÜãã¦ããÞãñ ãäªÌãÎããè ¦ã‰ãŠãÀªãÀ Öñ ¦¾ãã ÌããÖ¶ããÞãñ ¶ããòª¥ããè‡ãðŠ¦ã ½ããË‡ãŠ ‚ãÔãÊ¾ãã¶ãñ ¦¾ããâ¶ãã ¦¾ãã ÌããÖ¶ããÞ¾ãã ¶ãì‡ãŠÔãã¶ããèÞ¾ãã ãäÌã½¾ããÞããè À‡ã‹‡ãŠ½ã ½ããØã¥¾ããÞãã Ö‡ã‹‡ãŠ ‚ããÖñ. ¾ãã Ôãâª¼ããÃ¦ã ‚ãù¡.Ñããè.Ôããñ¶ããè ¾ããâ¶ããè ‚ãÔããÖãè ¾ãìãä‡ã‹¦ãÌããª ‡ãñŠËã ‡ãŠãè, " General Insurance Company" ¾ããâ¶ããè •ãñ ¹ããäÀ¹ã¨ã‡ãŠ (circular) ‡ãŠã¤Ëñ Öãñ¦ãñ ¦¾ãã ¹ããäÀ¹ã¨ã‡ãŠãÞ¾ãã ‚ã¶ãìÓãâØãã¶ãñ ¦ã‰ãŠãÀªãÀãâ¶ããè •¾ãã ãäªÌãÎããè ‚ã¹ãÜãã¦ãØãÆÔ¦ã ÌããÖ¶ã ŒãÀñªãè ‡ãñŠËñ ¦¾ããÞã ãäªÌãÎããè ¦¾ãã ÌããÖ¶ããÞããè ãäÌã½ãã ¹ããùãäËÔããè ªñŒããèË ¦¾ããâÞ¾ãã ¶ããÌããÌãÀ ‚ãã¹ããñ‚ãã¹ã ÖÔ¦ããâ¦ãÀãè¦ã ¢ããËãè. ½Ö¥ãî¶ã Ôãã½ã¶ãñÌããËñ ¾ããâ¶ããè ¦¾ãã ¹ããäÀ¹ã¨ã‡ãŠãÞ¾ãã ‚ã¶ãìÓãâØãã¶ãñ ¦ã‰ãŠãÀªãÀãâÞãã ãäÌã½ãã ªãÌãã ½ãâ•ãîÀ ‡ãŠÀ¥ãñ ‚ããÌãÎ¾ã‡ãŠ Öãñ¦ãñ. ¹ãÀâ¦ãî ¦¾ããâ¶ããè Þãì‡ãŠãèÞãñ ‡ãŠãÀ¥ã ªñ…¶ã ãäÌã½ãã ªãÌãã ¶ãã‡ãŠãÀËã ‚ãÔãÊ¾ãã½ãìßñ ¦ã‰ãŠãÀ ½ãâ•ãîÀ ‡ãŠÀãÌããè ‚ãÎããè ¦¾ããâ¶ããè ÎãñÌã›ãè ãäÌã¶ãâ¦ããè ‡ãñŠËãè. ¾ãã ½Ö¥ã¥¾ããÞ¾ãã ¹ãð›¾ã©ãÃ ‚ãù¡.Ñããè.Ôããñ¶ããè ¾ããâ¶ããè ‚ããªÀ¥ããè¾ã ÀãÓ›Èãè¾ã ‚ãã¾ããñØã ¾ããâ¶ããè National Insurance Company Ltd. v/s Subhash chand Kataria : II (2008) CPJ 324 (NC) ¾ãã½ã£¾ãñ ½ããâ¡ËñÊ¾ãã ¶¾ãã¾ããä¶ãÌãã¡¾ããÞãã ‚ãã£ããÀ Üãñ¦ãËã.

[7] ¾ãã „Ë› Ôãã½ã¶ãñÌããËñ ¶ãâ.1 ¾ããâÞãñ ãäÌã´ã¶ã Ìã‡ãŠãèË Ñããè.ºãâØã ¾ããâ¶ããè ‚ãÔãã ¾ãìãä‡ã‹¦ãÌããª ‡ãñŠËã ‡ãŠãè, ¹ãÆÞãËãè¦ã ¶¾ãã¾ã ¦ã¦Ìãã ¶ãìÔããÀ ÌããÖ¶ããÞ¾ãã ½ããË‡ãŠãÔã ÌããÖ¶ããÔã ‚ã¹ãÜãã¦ã ¢ããËñÊ¾ãã ¶ãì‡ãŠÔãã¶ããèÞ¾ãã ãäÌã½¾ããÞããè À‡ã‹‡ãŠ½ã ½ããØã¦ãñÌãñßãè ¦¾ãã ÌããÖ¶ããÞãã ãäÌã½ãã ¦ãÎãã ½ããË‡ãŠãÞ¾ãã ¶ããâÌãñ ‚ã¹ãÜãã¦ããÞ¾ãã ãäªÌãÎããè ‚ãÔ¦ããè¦Ìãã¦ã ‚ãÔã¥ãñ ØãÀ•ãñÞãñ ‚ããÖñ. ¦ã‰ãŠãÀªãÀãâÞ¾ãã Ôãâª¼ããÃ¦ã ¦¾ããâÞãñ ‚ãÔãñ ½Ö¥ã¥ãñ ‚ããÖñ ‡ãŠãè, ÌããÖ¶ããÞ¾ãã ‚ã¹ãÜãã¦ããÞãñ ãäªÌãÎããè ¦ã‰ãŠãÀªãÀ Öñ ¦¾ãã ÌããÖ¶ããÞãñ ãäÌã½ãã£ããÀ‡ãŠ ¶ãÌÖ¦ãñ. ¦¾ãã ãäªÌãÎããè ¦¾ãã ÌããÖ¶ããÞãñ ¹ãìÌããêÞãñ ½ããË‡ãŠ [Ôãã½ã¶ãñÌããËñ ¶ãâ.2] Öñ ãäÌã½ãã£ããÀ‡ãŠ Öãñ¦ãñ. Ìã ¦¾ããâÞ¾ãã½ã£¾ãñ ÌããÖ¶ã ãäÌã‰ãŠãèÞãã •ããñ Ì¾ãÌãÖãÀ ¢ããËã ¦¾ãã¶ãâ¦ãÀ ¦¾ãã ªãñÜããâ¹ãõ‡ãŠãè ‡ãìŠ¥ããèÖãè ¦¾ãã ÌããÖ¶ããÞããè ãäÌã½ãã ¹ããùãäËÔããè ¦ã‰ãŠãÀªãÀãâÞ¾ãã ¶ããâÌãñ ÖÔ¦ããâ¦ãÀãè¦ã ‡ãŠÀ¥¾ããÔããŸãè ‡ãŠÔãËãèÖãè ‡ãŠãÀÌããƒÃ ‡ãñŠËñËãè ¶ããÖãè. ¾ãã ‡ãŠãÀ¥ããÌãÁ¶ã ¦ã‰ãŠãÀªãÀãâ¶ãã ‚ã¹ãÜãã¦ãã½ã£¾ãñ ¢ããËñÊ¾ãã ¶ãì‡ãŠÔãã¶ããèÞããè À‡ã‹‡ãŠ½ã ½ããØã¥¾ããÞãã ‚ããä£ã‡ãŠãÀ ¹ãÆã¹¦ã Öãñ¦ã ¶ãÔãÊ¾ãã¶ãñ ¦ã‰ãŠãÀ Àªªá ‡ãŠÀãÌããè ‚ãÎããè ¦¾ããâ¶ããè ÎãñÌã›ãè ãäÌã¶ãâ¦ããè ‡ãñŠËãè. ¦¾ããâÞ¾ãã ¾ãã ½Ö¥ã¥¾ããÞ¾ãã ¹ãð›¾ã©ãÃ ¦¾ããâ¶ããè ‚ããªÀ¥ããè¾ã ÔãÌããóÞÞã ¶¾ãã¾ããË¾ãã¶ãñ Complete Insulations (p) Ltd. v/s New India Assurance Co.Ltd : 1996 ACJ 65 ¾ãã ¹ãÆ‡ãŠÀ¥ãã¦ã ½ããâ¡ËñÊ¾ãã ¶¾ãã¾ã¦ã¦ÌããÞãã ‚ãã£ããÀ Üãñ¦ãËã.

[8] ¹ãÆ‡ãŠÀ¥ãã¦ã ªãŒãË ¢ããËñÊ¾ãã ‡ãŠãØãª¹ã¨ããâÞãñ Ìã ãäÌãÎãñÓã¦ã: ‚ããªÀ¥ããè¾ã ÔãÌããóÞÞã ¶¾ãã¾ããË¾ãã¶ãñ ÌãÀ ¶ã½ãîª ‡ãñŠËñÊ¾ãã ¹ãÆ‡ãŠÀ¥ãã½ã£¾ãñ ½ããâ¡ËñÊ¾ãã ¶¾ãã¾ã ¦ã¦ÌããÞãã ãäÌãÞããÀ ‡ãŠÀ¦ãã ‚ãù¡.Ñããè.ºãâØã ¾ããâ¶ããè ‡ãñŠËñÊ¾ãã ¾ãìãä‡ã‹¦ãÌããªã½ã£¾ãñ ¦ã©¾ã ‚ãÔãÊ¾ããÞãñ ãäªÔãî¶ã ¾ãñ¦ãñ. ‡ãŠãÀ¥ã ¦ã‰ãŠãÀªãÀãâÞ¾ãã ÌããÖ¶ããÔã ‚ã¹ãÜãã¦ã ¢ããËã ¦¾ãã ãäªÌãÎããè ¦¾ãã ÌããÖ¶ããÞããè ãäÌã½ãã ¹ããùãäËÔããè [ãä¶ãÎãã¥ããè ¶ãâ.17/1] Öãè ¦¾ãã ÌããÖ¶ããÞãñ ¹ãìÌããêÞãñ ½ããË‡ãŠ ½Ö¥ã•ãñÞã Ôãã½ã¶ãñÌããËñ ¶ãâ.2 ¾ããâÞãñ ¶ããÌããÌãÀÞã ÞããËî Öãñ¦ããè. ¦ã‰ãŠãÀªãÀ ãä‡ãâŠÌãã Ôãã½ã¶ãñÌããËñ ¶ãâ.2 ¾ããâ¶ããè ¦ããè ¹ããùãäËÔããè ¦ã‰ãŠãÀªãÀãâÞ¾ãã ¶ããâÌãñ ÖÔ¦ããâ¦ãÀãè¦ã ‡ãŠÀ¥¾ããÔããŸãè ‡ãŠã¾ã²ãã¶ãñ ÜããËî¶ã ãäªËñÊ¾ãã ‡ãŠãËãÌã£ããè½ã£¾ãñ Ìã ãä¶ã¾ã½ãã ¶ãìÔããÀ ‚ã•ãÃ ‡ãñŠËã Öãñ¦ãã ‚ãÔãñ ¦ã‰ãŠãÀªãÀãâÞãñ ½Ö¥ã¥ãñ ¶ããÖãè ãä‡ãâŠÌãã ¦¾ãã ºããºã¦ãÞãã ¦¾ããâ¶ããè ¹ãìÀãÌãã ªñŒããèË ªãŒãË ‡ãñŠËñËã ¶ããÖãè. ¦¾ãã½ãìßñ ‚ããªÀ¥ããè¾ã ÔãÌããóÞÞã ¶¾ãã¾ããË¾ãã¶ãñ ÌãÀ ¶ã½ãîª ‡ãñŠËñÊ¾ãã ¹ãÆ‡ãŠÀ¥ãã¦ã ¦ãÔãñÞã ‚ããªÀ¥ããè¾ã ÀãÓ›Èãè¾ã ‚ãã¾ããñØãã¶ãñ Madansing V/s United India Insurance Company Ltd. : I (2009) CPJ 158 (NC) ¾ãã ¹ãÆ‡ãŠÀ¥ãã¦ã Ìã ‚ããªÀ¥ããè¾ã ½ãÖãÀãÓ›È ‚ãã¾ããñØã ½ãâìºãƒÃ ¾ããâ¶ããè National Insurance Company V/s Rangnath Bhikagi Kurkate : 2008 (4)CPR 23, New India Assurance Company Ltd. V/s Dattatray Shankarbuva : I (2009) CPJ 568 ¾ãã ¹ãÆ‡ãŠÀ¥ãã¦ã ½ããâ¡ËñÊ¾ãã ¶¾ãã¾ã¦ã¦Ìãã ¶ãìÔããÀ Ôãã½ã¶ãñÌããËñ ¶ãâ.1 ¾ããâ¶ããè ¦ã‰ãŠãÀªãÀãâÞãã ãäÌã½ãã ªãÌãã ¾ããñØ¾ã ¦¾ãã ‡ãŠãÀ¥ããÌãÁ¶ãÞã ¶ãã‡ãŠãÀËã ‚ããÖñ Öñ Ô¹ãÓ› Öãñ¦ãñ. ¦¾ãã½ãìßñ ¾ãã Ôãã½ã¶ãñÌããËò¶ããè ¦ã‰ãŠãÀªãÀãâ¶ãã ªñ¥¾ããÞ¾ãã ÔãñÌãñ¦ã ‡ãŠ½ã¦ãÀ¦ãã ŸñÌãËãè ‚ãÔãñ ½Ö¥ã¦ãã ¾ãñ¥ããÀ ¶ããÖãè.

[9] Öñ ŒãÀñ ‚ããÖñ ‡ãŠãè, ‚ãù¡.Ñããè.Ôããñ¶ããè ¾ããâ¶ããè ‚ããªÀ¥ããè¾ã ÀãÓ›Èãè¾ã ‚ãã¾ããñØããÞ¾ãã •¾ãã ¶¾ãã¾ã ãä¶ãÌãã¡¾ããÞãã ‚ãã£ããÀ Üãñ¦ãËã ¦¾ãã½ã£¾ãñ ŒããËãè ¶ã½ãîª ‡ãñŠÊ¾ãã ¹ãÆ½ãã¥ãñ ¶¾ãã¾ã¦ã¦Ìã ½ããâ¡Ëñ ‚ããÖñ.

As per circular issued by General Insurance Company, on transfer of vehicle, benefits under policy in force, automatically accrue to new owner.

[10] ¹ãÀâ¦ãî Öñ ¶¾ãã¾ã¦ã¦Ìã ãäÌã½ãã ‡ãâŠ¹ã¶ããè¶ãñ Ôã¶ã 1994 ½ã£¾ãñ •ãñ ¹ããäÀ¹ã¨ã‡ãŠ ‡ãŠã¤Ëñ Öãñ¦ãñ ¦¾ãã ‚ãã£ããÀñ ½ããâ¡ËñËñ ‚ããÖñ. ¦¾ãã ¹ãÆ‡ãŠÀ¥ãã¦ããèË ‚ã¹ãÜãã¦ã Öã ãäª.08/01/2001 Àãñ•ããè Üã¡Ëã ‚ãÔãÊ¾ãã¶ãñ ¦ãñ ¹ããäÀ¹ã¨ã‡ãŠ ¦¾ãã ¹ãÆ‡ãŠÀ¥ããÔã ËãØãî ‡ãŠÀ¥¾ãã¦ã ‚ããËñ ‚ããÖñ. ¹ãÀâ¦ãî ¹ãÆÔ¦ãì¦ãÞ¾ãã ¹ãÆ‡ãŠÀ¥ãã¦ããèË ÌããÖ¶ããÔã ãäª.25/09/2009 Àãñ•ããè ‚ã¹ãÜãã¦ã ¢ããËñËã ‚ããÖñ. ¾ãã ãäŸ‡ãŠã¥ããè Öñ ¶ã½ãîª ‡ãŠÀ¥ãñ ØãÀ•ãñÞãñ ‚ããÖñ ‡ãŠãè, ‚ãù¡.Ñããè.Ôããñ¶ããè ¾ããâ¶ããè ÌãÀ ¶ã½ãîª ‡ãñŠËñËñ ãäÌã½ãã ‡ãâŠ¹ã¶ããèÞãñ ¹ããäÀ¹ã¨ã‡ãŠ Ôã¶ã 2009 ½ã£¾ãñ ªñŒããèË ËãØãî Öãñ¦ãñ Öñ ªãŒããäÌã¥¾ããÔããŸãè ‡ãŠÔãËãÖãè ŸãñÔã ‚ãÔãã ¹ãìÀãÌãã ªãŒãË ‡ãñŠËñËã ¶ããÖãè.

[11] ¾ãã „Ë› ‚ãÎãã ¦ã¦Ìãã Ôãâª¼ããÃ¦ã Tariff advisory committee ¾ããâ¶ããè •ãñ ¹ããäÀ¹ã¨ã‡ãŠ ‰ãŠ½ããâ‡ãŠ 10 Ìã 17 Þãñ ‡ãŠã¤ËñËñ Öãñ¦ãñ ¦¾ããÞãã ‡ãŠãËãÌã£ããè Öã ãäª.30/06/2002 ¹ã¾ãÄ¦ãÞã ‚ãÔãÊ¾ããÞãñ ÌãñØãÌãñØãß¾ãã ¶¾ãã¾ã ãä¶ãÌãã¡¾ããâÌãÁ¶ã ãäªÔãî¶ã ¾ãñ¦ãñ. ‚ãÎãã ¹ããäÀãäÔ©ã¦ããè½ã£¾ãñ ‚ãù¡.Ñããè.Ôããñ¶ããè ¾ããâ¶ããè ãäÌã½ãã ‡ãâŠ¹ã¶ããè¶ãñ •ãñ 1994 ÔããËãè ¹ããäÀ¹ã¨ã‡ãŠ ‡ãŠã¤Ëñ ¦ãñ ¹ãÆÔ¦ãì¦ãÞ¾ãã ¹ãÆ‡ãŠÀ¥ãã¦ããèË ÌããÖ¶ããÞ¾ãã ‚ã¹ãÜãã¦ããÔã ËãØãî Öãñ¦ãñ ‚ãÔãñ ªãŒããäÌã¥¾ããÔããŸãè ŸãñÔã ‚ãÔãã ¹ãìÀãÌãã ªñ¥ãñ ØãÀ•ãñÞãñ Öãñ¦ãñ. ¹ãÀâ¦ãî ¦¾ããâ¶ããè ¦ãÔãã ¹ãìÀãÌãã ¶ã ãäªÊ¾ãã½ãìßñ ¾ãã Ôãâª¼ããÃ¦ã ‡ãñŠËñËã ¾ãìãä‡ã‹¦ãÌããª ÔÌããè‡ãŠãÀ¥¾ãã ÔããÀŒãã ¶ããÖãè ‚ãÔãñ ¾ãã ¶¾ãã¾ã½ãâÞããÞãñ ½ã¦ã ‚ããÖñ.

¾ãã ÔãÌãÃ ºããºããéÞãã †‡ãŠ¨ããè¦ã ãäÌãÞããÀ ‡ãŠÀ¦ãã ¦ã‰ãŠãÀªãÀãâ¶ããè ªãŒãË ‡ãñŠËñËãè ¦ã‰ãŠãÀ Àªªá Öãñ¥¾ããÔã ¹ãã¨ã ‚ãÔãÊ¾ãã¶ãñ Öñ ¶¾ãã¾ã½ãâÞã ¶¾ãã¾ããÞ¾ãã ÒÓ›ãè¶ãñ ŒããËãèË ¹ãÆ½ãã¥ãñ ‚ããªñÎã ‡ãŠÀãè¦ã ‚ããÖñ.

‚ããªñÎã

[‚ã] ¦ã‰ãŠãÀªãÀãâÞããè ¦ã‰ãŠãÀ Àªªá ‡ãŠÀ¥¾ãã¦ã ‚ããËãè ‚ããÖñ.

[ºã] ªãñ¶ÖãèÖãè ¹ãàã‡ãŠãÀãâ¶ããè ‚ãã¹ã‚ãã¹ãËã ŒãÞãÃ ÔããñÔããÌãã.

[‡ãŠ] Ôãâºãâãä£ã¦ããâ¶ãã ‚ããªñÎã ‡ãŠßãäÌã¥¾ãã¦ã ¾ããÌãã.

‚ãÖ½ãª¶ãØãÀ.

ãäª¶ããâ‡ãŠ : 25/06/2010.

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

ÔãªÔ¾ãã ‚ã£¾ãàã

ãä•ãÊÖã ØãÆãÖ‡ãŠ ¦ã‰ãŠãÀ ãä¶ãÌããÀ¥ã ãä•ãÊÖã ØãÆãÖ‡ãŠ ¦ã‰ãŠãÀ ãä¶ãÌããÀ¥ã

¶¾ãã¾ã½ãâÞã,‚ãÖ½ãª¶ãØãÀ. ¶¾ãã¾ã½ãâÞã,‚ãÖ½ãª¶ãØãÀ.


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