Maharashtra

Raigad

CC/07/7

Shri champa lal Chunnilal jain - Complainant(s)

Versus

The New India Insurance Com. Ltd - Opp.Party(s)

13 Mar 2008

ORDER


District Forum Raigad, Alibag
District Consumer Disputes Redressal Forum, Block No 6 and 8,Patil Sadan,New by pass road,Chendhare, Alibag
consumer case(CC) No. CC/07/7

Shri champa lal Chunnilal jain 		...........Appellant(s)

Vs.
...........Respondent(s)


BEFORE:


Complainant(s)/Appellant(s):


OppositeParty/Respondent(s):


OppositeParty/Respondent(s):


OppositeParty/Respondent(s):




ORDER

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????????????????????????????????????????????????????????????? ???????? ????????? :- 7/2007.

??????????????????????????????????????????????????????????????????????????????????? ???????? ??????? ???. :- 12/1/07.

??????????????????????????????????????????????????????????????????????????????????? ???????????? ???. :- 19/3/08.

 

 

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???????????????? ??????????? :-? ???. ???. ????.???.????????, ??????

??????????????????????????????????????? ???. ????. ???????? ????? ?????????, ????????

?????????????????????? ????????????????????. ???. ???.???. ????????????, ???????.

 

?????????????????????? ???????????????????? :- ????. ???.?????.??????????

?????????????????????? ?????????????????? :- ????. ????.????.?????.

 

-: ??? ??? ?? ?? ?? :-

 

?????? ???.??????? ???.????????????.

 

???????? ????????????? ??? ??????? ???????? ?????????? ??????????? ?????? ?????? ???????????????? ??? 30-40 ?????????????? ???.??????????? ???????????? ??? ?????????? ??????????? ???????, ???????????, ???????, ??????, ?????? ???????????, ??????? ??????? ???????? ?????????? ?????????? ??????? ???????.? ????????????? ??????????? ??????????? ????? ?? ???. ??????????? ???????????? ??? ???????????? ??????? ?????? ???????? ?????? ????????? ??????????? ??????????????? ?????????? ???? ?? ???????? ???????????? ????? ????????? ?????.? ??????? ???????? ???????-?????? ???????? ??????????? 1985 ????????? ????????????????? ????????-??? ???????-?????? ????????? ???????????? ???????? ??????????? ?????.? ????????? ??????? ?????? ??????????????? ???????? ????? ??????? ?? ????????? ?????? ?????? ???????????????? ????????.?

2.?????? ?????????????????? ????????? ???????????????? ?????, ????????? ?? ?????????? ????????? ???????????????????? ????????????? ?????? ????????? ???????? ??????? ?? ?????.? ?????????? ??????????? ??????????? ??????? ?????????????????? ?????: ??????? ???????.? ????????? ??????? ??????? ???????????? ?????? ????????????? ????????? 140900/48/05/00624 ???? ???????.? ???? ?????????? ??????? ?????????????????? ??????? ??. 7,40,000/- ??? ?????? ???????????????????? ??????????? ??????? ?? ??????? ??????????? ???. 6/7/2005 ??? 5/7/2006 ???? ???????. ???? ?????????? ??????? ?????????????????? ?????????? ????????? ?????, ???? ?????? ??????? ??????????? ?????????? ????????? ??????? ????????? ????????? ???????????????? ?????? ?????? ???????. ???. 24 ?? 25 ?????? 2005 ??????? ????????? ??????????????? ????????????????? ???????????? ????????? ???????? ??????? ??????????? ??????? ???????.? ????????????? ??????? ???????????? ????? ??????? ????????? ?????? ?????????????????? ??????????? ???????? 2 ??? 3 ???? ??????????? ???????? ???????.? ?????????? ???????? ????????? 3,50,000/- ??? ????????????? ??????.? ???????? ??????????? ????????? 7 ??? 8 ????? ???????????? ????????? ?????? ??????? ??????? ?? ???? ???????????? ????????? 10-12 ????? ???????.? ????????? ????????????? ?????????? ?????????????????? ????????? ???????????? ?????????? ???????-??????????? ????????? ??????????? ?????????? ?????.? ?? ??????? ????? ???????????????? ???????? ?????.? ?????????????????? ???????? ????????????? ?????????? ?????????????? ????????? ????????????? ???????????????? ?????????? ???????.? ???????????? ???????????????? ????????? ???????? ???. ???????? ???.???????? ??????? ?????????? ??????.? ?? ???????? ???????? ?????????? ??????? ????????? ???????? ??????.? ?????? ????????????? ???????????????? ?????????? ?????? ?????? ???????.? ?????????? ??????????? ?????????? ?????????????? ?????? ?????? ??????? ?????????? ????????? ?? ???????????? ??????????????? ???????? ???????.? ?????????? ?????? ??????????? ?????????? ?? ????????? ??????? ?????????????????? ??????????? ???????? ?????? ?????????? ??????? ???????? ???????? ???? ??????? ?????????? ??????.? ?????????? 2005 ?????? ???????????? ??????????????????? ?????????? ?????????? ?????????????? ?????? ???????? ?????????????????? ??????? ??????.? ????????????? ???????????? ?????????????????? ?????? ???????? ?????? ????????????? ??????? ?????????????? ?????????????????? ??????????? ?????????????????? ?????????? ?????????????? ???????????? ???????? ??????.? ???????? ????????? ???????? ????????????????? ???????-??????????? "?????? ??????????? ??????? ?????? ?????? ???????, ?????????? ????? ???????? ?? ??????????? ??????????? ???????? ?????? ???????? ?????? ?????????? ???????????? ?????????????? ????? ????????????." ????? ?????????? ????????? ????? ???????.? ???????? ??????????? ???????????????? ?????????????????? ?????? ?????????? ??????? ????????? ??????????? ??????.? ?? ’???.????.???. ??????????????????’ ??????? ????????? ????????? ?????? ??????????????????? ?????? ?????????????????? ?????????? ??????????? ????? ????? ??????.? ????????????????????? ???????????????????? ??????? ????? ???????????????? ???????? ??????.? ???????? ???????????? ????? ???????????? ????????? ????????? ??????? ????????????????????? ???????? ???????? ???????????????? ??????????? ??????.? ????? ?????? ???? ???????????????? ????? ??? ??????? ??????? ??????????????????? ??????? ?????? ??????????? ??????? ????????????? ?????? ????? ????????.? ???????? ??????????????? ??????????????????? ???????? ?????????? ???????????? ???????? ??????, ???????????? ???????????, ???????? ?? ???????? ???????? ??????????? ????????? ???????, ????? ??????????? ??????? ?????????? ???????.? ?????? ???????????? ???????? ??? 30 ????? ?????? ?????????? ?? ?????? ?????? ?????????? ???????? ??????????? ?????? ????? ????????.? ????????????? ?????? ???? ?????????? ???, ???????????????? ?????????? ?????????????? ????????????? ???????? ?????????? ???????????????? ???????? ?????? ????????.? ???????? ????? ?????????????? ?????? ??????????? ?????????????? ???????? ????????? ???????? ???????????????? ???. 3/6/2006 ??????????? ???????? ?????????????????? ???????? ?????? ?????????????????? ?????????? ?? ???????? ???????????? ???????? ????????? ?????? ???????? ?????? ???? ??????????.? ?????????????????? ????????????? " ???????????? ??????????? " ??? ?????????? ??????? ???????? ???????? ?? ??????.? ???????? ????????????? " ???. ??????????? ???????????? " ??????? ??????? ??????? ?? ?????. ????????

" ???. ??????????? ???????????? " ??? ?????? ???. ??????????? ???????????? ??????? ?????.? ??????? ?????? ???????????? ???????? ????????? ?????? ??? ??????? ??????????????? ??????? ???????????????? ???????????? ?????.? ???? ?????????????????? ????? ???. ???????? ????? ?????? ???? ?????????? ???????????? ??????.? ??? ????????????? ?????????????????????? ?????????? ??????? ????????? ????????? ?? ??????? ????? ???? ?????????????????? ???????? ?????.? ????????????????????? ?????????????? ????????? ????????? ????????? ?????? ??????.? ??????????? ????????? ??????? 3.5 ??? 4 ????? ??????? ??? 7 ??? 8 ????? ?????? ???????? ???????.? ??????? ????????????? ??? ???. ??????????? ???????????? ??? ???????????? ’ Care Taker ’ ?????.? ??? ????????????????????? ???????? ????????? ?????.? ????? ?????? ???? ?????????????????? ????????? ??????, ??????????????? ??????????, ??????? ?????? ???????? ????????? ????????????? ??? ???. ??????????? ???????????? ??? ???????????? ??????? ????? ???? ???????? ????? ???????.?????

 

3.??????? ?????????????????????? ??????????????? ????????????? ??? ????????? ?????????????? ’ Care Taker’ ???????? ????? ????????? ???? ???????? ?????.? ???????? ????????????? ??? ???. ??????????? ???????????? ??? ???????????? ??????? ???????.? ??????, ????????????????????? ??? ??????? ???????? ????????? ?????.? ???????????????? ???????????? ???????? ??????????? ??????????? ????? ??? ?????????????????? ????????????? ????? ????? ??????? ???????????????? ??????? ?????? ???????? ?????????????????? ??? ?????????????? ????????? ???????? ?????? ???? ????????? ???????? ????????? ?????.? ??????, ????????????????? ???????????? ??? ???????? ???????? ?????????????????? ?????? ??????.? ????????? ?????????????????? ?????? ??????????????? ????????? ?????????? ?????????????? ??????? ??. 3,50,000/- ??? ??????? ?????????????? ?????? ???????? ??????? ???????? ????????.? ????????????? ?????? ???? ?????????? ???, ?????????????????? ????????????? ????? ??????? ???????? ?????????????????? ???????? ?????? ??. 80,000/- ??? ?????????? ?????? ???????? ??????? ???????? ?????? ??????????? ?????????? ??????? ???? ??????? ??????.? ?????????????????? ??????,2005 ?????? ?????????? ?????? ??????? ???????? ???????????? ??? ???????? ?????? settle ??????????????? ??????????? ??????? ???????.? ?????? ???????? ????????? ????????? ?????? ????? ???, ???. 25/7/05 ???????? ??????????? ???????? ?????????????? ??????? ??. 3,50,000/- ??? ??.???.??.???. 16% ???????? ??????????? ???????????????? ???????? ?????????? ??????? ????????? ???????? ???????? ??????? ?????????? ?? ??????????? ???????????? ?????????? ????????? ??. 50,000/- ?? ????????? ????????????? ??. 15,000/- ??? ???????? ???????? ?????? ?????.?

 

4.?????? ????????? 1 ???????? ?????????????????? ??????? ???????? ???? ??????? ????????? ?????.? ????????? 2 ????????? ?????????????????? ??????? ?????????? ??????? ?????? ?????.? ????????? 4 ??????? ?????????????????? ?????? ????????????? ????? ????? ??????? ?????? ?????.? ??????? ?????????????? ??????? ??????????????? ?????????? ????????? ??????????????? ?????, ??????????? ??????????????????? ???????????? ??????? ???????? ???????????? ??????? ????????? ?????????, ???. ???????? ???.????????? ??????? ?????? ??????????, ????????????????????? ??????????, ???????? ??????????? ??????????? ????? ??????? ????????????? ??????? ????????? ????????????? ??????????????? ????????? ????????? ????????????? ?. ??????????? ??????? ?????????? ????? ???????.

 

?????? ????????? 5 ??????? ????????? ???????????????? ????????? ?????????? ??????? ?????? ??????? ??????? ??????????? ???????? ??????.? ????????? 7 ??????? ??????? ?????? ???????????? ???????? ?????.? ????????? 8 ??????? ?????????????????? ????.????.????.????? ??????? ?????????????????? ??????? ??????????????? ??????? ?????? ?????.? ????????? 12 ??????? ???????????????? ??????? ?????? ??????? ??????? ?????? ?????.? ?????? ???????????????? ?????????????????? ???????? ?? ????????? ???????? ??????? ??????? ?????? ???????.? ???. ??????????? ??????????? ????? ??? ???. ??????????? ???????????? ??? ?????????????? ??????? ??????? ???? ???????????? ?????????????????? ????????? ???????? ???? ???????? ?????.? ??????? ??????????? ???????? ??????????? ????? ????????? ?????:????? ???????????????? ????????? ?????????? ??????????????????????? ??????????? ???????????? ??? ???????????? ???? ’Care Taker’ ???????? ?????????? ?????? ???????? ?????? ?????.? ??????????? ???????????? ??? ?????????? ?????????? ????????? ???????? ???????? ??????????? ??????????? ????? ??????? ?????????? ??????????????? ???????? ????????? ?????.? ?????????????????? ???????? ??? ????? ???????? ??-????? ????????? ????? ??????? ???? 2005 ?????? ??????????????????? ??????? ???????????????????? ??????????????? ????? ?????? ????? ???????.? ?????? ?????????????? ????? ?????????? ????? ?????????? ?????????? ??????? ?????????? ?????????, ?????????????? ??????? ??????????? ????????? ???? ??????.? ?????? ??????????? ???????? ???????? ?????? ?????????????? ????? ???? ????????.? ?????????????????? ???? ?????? ????????????? ??????? ?????????? ???????????????? ????????????? ?????????? ?????????? ???????????? ????????? ???????? ??????? ????????? ??????.? ????????? ????????-??????? ??????? ????????? ???????????, ??????????? ??????????? ??????????????????? ?????????????? ??????? ???????? ????? ???????????? ??????????? ?? ??????? ????????? ????????.? ?????? ????????-??????? ?????????????? ??????? ????????? ?????????????? ??????????? ????????? ??? ????????? ????? ?? ???????? ???????? ???????? ???????????????? ???? ?????? ??????.? ????????? ???. ???????? ??????? ?????????????????? ??????? ??. 2,00,687/- ??? ?????????? ?????????? ??????????? ??????? ?????? ?????.? ?? ????? ???????? ???????? ???????????????? ??????? ?????? ?????.? ?????? ??????????? ??????? ?????? ?????? ?????? ??????????? ?????? ????? ?????? ??? ?????? ???????????? ???????????????? ?????????????????? ???????? ????????. ???????????? ???.????.???. ????????????????? ???????????? ?????????????????? ?????? ?????? ??????????????? ??????????????? ?????.? ???????? ?????????? ????????? ?????? ???????????? ??????? ?????? ???????? ???????? ???. 11/2/06 ??????? ???????????????? ????????? ?????.? ???????? ?????????? ???????????????? ???. ??????????? ????? ??????? ???????????? ’Care Taker’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

 

6.?????? ???. 11/3/08 ??????? ?????? ??????? ??????????? ?????? ?????????????? ????? ?????? ????????? ?? ???????? ??????? ????? ???????.? ??????????? ????????? ?????????????????? ???????????? ???????????? ??????? ????????.? ??????? ???. 13/3/08 ??????? ?????? ???????????? ??????? ??????????? ????????? ????? ?? ???? ???????? ????????????????? ???????????? ???????????? ????????? ??????? ????????.?

 

7.?????? ?????????????? ??????? ????????? ????????????, ???????????, ????????? ??????? ???????????????? ??????? ????????? ?????? ???????, ?????????????? ?????? ???????????? ??????? ????????? ???????????????? ??????????? ?????? ??????? ??????????????? ???????????? ????????? ??????? ??????????????? ????????? ??????? ????????.? ?? ?????? ????????????? ???????????????? ????????? ???????? ???????? ?????? ??????????? ????????.

 

?????? ?????????? 1? :-???????? ?????????????????? ?????? ?????? ???????????????? ????????????????? ?????????

????????????????????????????? ???????????? ?????? ???? ???????????? ??????? ????? ????

?????????????????? :-??????? ??????.

 

?????? ?????????? 2?? :-?????? ?????????????????? ???????? ???? ???????? ???????? ???????????????? ????????

???????????????????????????? ??????? ??????? ????? ?

??????????????????? :-????? ??????? ?????????? ??????? ????????????????.

 

????????????? ?????? ????????? 1 :- ??????????? ????????? 1 ??????? ????????? ???? ????????????? ?????? ???, ???????????????? ?????????????????? ?????? ?????? ??????????????? ??????? ?????????????????? ??????????????????? ??????? ???? ?????????????????????? ( Insurable Interest ) ?????? ???? ?????? ?????.? ?????? ??????????? ????????????? ???. ??????????? ????? ??? ???. ??????????? ???????????? ??? ?????????????? ??????? ?????????? ??????? ?????? ?????.? ????????? ???????? ???????? ??????????????????????? ??????????? ???????????? ??? ???????????? ???? ’Care Taker’ ?????????? ???? ??????? ?????? ?????.? ??????? ???? ????????? ??? ?????????? ????????? ??? ??????? ????????? ??????????? ??????.? ??????? ??????? ???????????????????? ???? ???????? ??????? ????? ??????????? ???????? ????????????????????? ??????? ?????? ???????????????? ?????????????????? ??????? ????????? ??????.? ???????? ??????????? ????? ??? ???. ??????????? ???????????? ??? ?????????????? ??????? ???????? ???? ????????? ???????????????? ???????? ?????.? ??????? ????????? ???????? ??????? ????????? ????????? 23 ?? 24 ???????? ??????? ??????? ????? ?? ????? ????.?????.?????? ????? ??????? ?????? ??????? ???????.? ??????? ?????? ????????? 27 ?? 28 ??????? ???????????? ???????? ?????.? ???????? ?????????????? ???. ??????????? ???????????? ??? ?????? ?????????. ??????????? ??????????? ????? ??????? ???????? ??????? ?????????? ????????? ?????????????? ???? ????????? 38/8 ??????? ???????????? ???????? ?????.? ???????????????? ?????????????? ???????? ???????? ???. ???????? ??????? ???????? ?????? ?????????? ?????? ??????????? ???. 29/9/05 ??????? ??????? ????????? ????? ???? ???????? ??????.? ?????? ???????????? ??????????? ?????? ?????? ???? ????????? ?????? ???, ??????????????????? ?????????? ?????????????? ??????? ??. 3,25,000/- ?????? ???????? ?????.? ????????? ??????? ???? ?????????? ??????? ????????????? ??? ??????? ??. 2,47,000/- ??????????? ????? ?????????? ???????? ???????? ??????????????? ??????? ?????? ?????.? ????????? ?????????????? ??????????? ?????????????? ??????? ?????? ????? ???, ?????? ??????????? ??????????????? ????? ???? ?? ???????? ??????? ????????? ?????? ???????????? ????????????? ????????? ????????? ??????.? ??? ???????? ?????? ??????????? ?????????? 2005 ?????? ??????? ????????? ???????.? ??????????? ??????????? ???.????.???. ????????????????????? ?????????? ??????.? ?? ???????? ???????????????? ???????????????????? ??????? ???????? ???. 11/2/06 ??????? ?????????????????? ??????? ?????????? ???????? ?????.? ??? ?????????? ???????????? ???????? ?????? ?????????? ???? ?????????? ???, ?????? ??????????? ??????? ?????? ?????? ?????? ??????????? ?????? ????? ?????? ??? ?????? ???????????? ???????????????? ?????????????????? ???????? ????????.? ????????? ?????, ???????????? ?????????? ????????????????? ???????????????? ???? ?????? ??? ????? ?????? ???????????? ??????? ???????????????? ????????? ??????.? ???????? ?????? ??????????????? ??? ???????? ???????? ??????????? ????? ???? ???????? ??????.? ???????????????? ???????????? ???????????? ??????? ?????? ???????????? ????????????? ???. ??????????? ??????????? ????? ??????? ?????? ?????? ??????????????????? ??????? ????????????? (Insurable Interest)? ??????????? ??????????? ????????????? ??????.? ???????? ?????????????? ?????????????????? ??????? ????????? ??????????? ????????? ??????? ?????????????? ?????? ?? ???????? ?????????????? ??????????????? ( Confirmation ) ????? ????????? ???. ??????????? ??????????? ????? ??? ??? ?????????????? ??????? ??????? (Sole Proprietor) ???? ??????????????? ???????? ??????.? ????????????? ??? ???? 1999 ???????? ?????? ?????? ???????? ??????? ???????????????? ???????????????? ???????? ????? ????? ?????????? ?????? ????????? ????? ???????.? ???? 2005 ?????? ????? ????????? ??? ???????? ?????????????? ????????? ?????????? ?????? ????? ??????? ????????? ??????????? 7 ??? 8 ????? ?????? ???????? ??????? ?? ???? ???????????? ????????? 10 ??? 12 ????? ??????? ???? ??????????????????? ????????????? ???????? ??????.? ???????? ?????????????????? ??. 7,40,000/- ??? ?????? ?????????? ???????? ??????? ???? ????????? ???????? ??????? ??. 3,50,000/- ??? ?????? ??????? ?????? ?????.? ?????????????? ??????? ??????? ???????? ?????????????????? ??. 3,25,000/- ??? ?????????????? ??????? ?? ??. 25,000/-??? ????????? ?? ??????????? ?????????????? ??????? ?????? ???????? ?????????????????? ??. 3,50,000/- ??? ?????? ??????? ?????? ?????.? ????????? ?????, ?????????????????? ??????????????? ???????????? ???????? ???????? ??? ???????? ???????? ?????? ? ??? ??????? ????????? ???????????????????? ????????????????? ????? ???????????? ??????.?

???????? ???????????? ???????? ?????? ?????????? ?????? ?????????? ???, ??????????????????? ??????????????????? ?????? ??????????? ???????????? ???????? ??????????? ??????? ????????????? ?????????????? ???????? ????????? ????? ????????????????? ?????????????? ????????? ????????? ?????? ?????? ??????????? ?? ?????? ????????????? ?????? ??????.? ?? ??????? ???????????????? 15 ???????????? ???? ?????????????? ?????? ??????? ??????? ??? ?????????? ??? ????????????? ???????? ??????? ??????????????????? ?????? ?????? ?????.? ?????? ???????????? ?????? ?????? 2005 ???? ??????????????? ????? ????? ???????.? ?? ??? ?????? ?????????? ?????? ??????????? ??????????? ????? ??????? ???????????? ???? ?????????? ?????? ???????????? ?????????? ?????????????? ?????? ????????? ??????? ??????.

???????? ???????? ?????????????????? ???????? ??????????? ??????????? ????? ??????? ?????? ?????????????? ??????? ????????? ???????? ?????? ?? ?????? ?????????? ????????????? ??????????? ???????????? ???????? ??????????? ?????? ???? ?????????? ?????????? ?????????? ???????????? ??????? ?????? ?????.? ???. ??????????? ???????????? ????? ??????? ???????????????? ???.????.???. ?????????????????? ??????? ??????? ????????????? ???????? ???????? ??????.? ??????? ?????? ???????????? ???????? ?????? ???? ?????. ’??????????? ??????????? ????? ??? ??????????? ???????????? ??? ???????????? ?????????? ?????????? ????????’. ???????????????? ??? ???????? ????????? ???????? ??????? ?????? ??????????? ????? ??? ?????? ??????? ?????????? ??????????.? ???????? ????????? ?????????????????? ???? ???????? ?????? ??? ???? ???????? ???????? ?????? ?? ???????????? ?????? ?????? ??????.? ???? ?????????? ??????????? ??????????? ??? ??????? ?????????? ?????????? ???????? ????? ?????? ?????? ????? ?????? ?????? ??????.? ??????? ???????? ????? ?? ??????? ????????? ?????? ??????????? ????????????? ??????? ??????.? ??????? ???? ???????? ???. ??????????? ???????????? ??????????? ??????????? ??????. ???????? ??? ???? ????????????? ?????? ?????? ??????? ?????? ???? ????????? ???? ?????????? ??? ???? ???????????? ???????? ????? ??????.? ??????????????????? ???????????? ??? ??????????? 2 ????????????? ???????? ?????? ?????.? ????????? ???????? ???. (1) 2004 (CCJ) 57, ???. ????????? ???????? ??????? First Appeal 389 & 560 of 1997 ??? National Insurance Co. Ltd., V/s. National Processors ??? ????????????? ?????.? ?????? ?????????? ?????????????????? ?????? ??????????? ????????? ??????????????????? ?????????????????? ??????????????? ????????? ???????? ?????? ????????? ?????????? ???????? ?????.? ??????? ??????????????????? ??????????? ?????? ????? ??????????? ?????? ?????? ?????? ?????? ????? ???? ?????. ??????? ???????? ???????? ???????? ?????????? ?????????????????? 2002 (CCJ) 1284 ???????? ???????? ????? ????????, ????????? (S.C. case no. 168/A of 1999) ??? National Insurance Co. Ltd., and others V/s. Laxminarayan Purohit ??? ???????????????? ???????? ???????????? ?????? ????????????? ???????? ????????? ??????? ??? ??????? ??????????????? ???????????? ??????????????? ????????????? ?????? ?????????? ??????????? ????? ?????????? ?????? ???????? ??????.? ???????? ???????? ????????? ??? ???????? ?????? ???????? ??????? ?? ?????????? ?????? ???????????? ???????? ???????? ????????? ?????.? ??? ???????? ??????????????? ????????????? ???????????????? ?????? ??????????? ????????????????????? ?????????? ??? ?????? ? ??? ?????? ?????? ??????.? ??????? ?????? ?????? ?????????????????? ???????? ??????????? ??????????? ????? ??????? ???????????????? ??????? ????????? ?????? ?????? ???.??????????? ??????????? ????? ??? ?????????. ???.??????????? ???????????? ??? ?????????? ?????:??? ?????????? ????????? ???? ???????? ?????.? ?????????????????? ????? ?????? ???????? ????????????? 94-95 ?????????????? ???????.? ?? ??? ???????? ?????? ???. ??????????? ??????????? ????? ??? ??????????????? ???????? ?????????? ?????????? ???????? ??????.? ???????? ???????? ??????? ????????????? ??? ???. ??????????? ???????????? ??? ?????????????? ??????? ?????????? ????????????? ????????? ?? ?????????? ??????? ??? ????????? ???????? ?????? ?????????? ????????? ???? ?????.? ???????? ???????? ?????????? ??????????????????? ?????? ??????????? ???? ??????? ?????? ???????? ?????????? ????????? ???? ?????.? ?????? ??????????? ?????? ???????????? ?????? ?????? ?????????????? (Insurable Interest) ????? ?????? ?????? ?????????????? ??????? ??????? ?????? ?????????? ?????? ????? ?????????? ????????????????? ?????? ?????????????? ???????? ??????.? ???????? ??????? ??????????????? ????? ?????????????? ?????? ?????????? ?????????????????? ??????, ?????????????? ??????, ?????????????? ????????, Insurable Interest, ?????? ??????? ??????????? ??????? ??? ????? ?????????? ??????????? ???????????? ??????????????? ???????? ?????????????? ??????? ?????????????????? ????????? ????? ?????? ????????? ?????? ?? ?????????? ?????????????? ???????? ?????? ??????????? ?????? ?????????? ??????? ??????????? ?????? ???? ???????? ??????.? ??? ??????? ?????? ??????????? ?????? ?????????????? ?????? ?????? ?????????? ????????????????? ?????? ????????? ?????? ??????? ??????? ????? ???? ????????? ???? ?????.? ???? ?????? ?????????? ?????? ????????? ????????? ?????? ??? ???????????? ?????????? ??????.? ?????? ???????????? ???????????? ??? ?????????????? Guide to Consumer Protection Act with allied? Acts ????? ???. 410 ??????? Insurable Interest ???????????? ???????? ???????????? ??????? ?????? ?????.? ????????? ??????????? ???. 13 ---- " Whether company can raise the question of absence of insurable interest? National Commission in United India Insurance Co. Ltd. v. Hasan Sultan Nadaj, III (1992) CPJ 64 (NC) held that it is duty of the insurer to satisfy himself before issuing a policy of insurance, that the insured has an insurable interest.? Only if the insured has furnished wrong or false information it is open to the insurer to repudiate an insurance claim on the policy.? But it is not open to raise the question of absence of insurable interest after the policy has been issued. " ---- ???? ?????.? ????????? ??????? ???????????????? ?????? ??????????? ?????????? ?????????????? ?????? ?????????? ???????????-?????? ??????? ???????????? ??????? ??? ????????????? (insurable interest) ????? ?????? ?????? ??? ??????? ?????? ???? ??????? ???????? ??????.? ?????? ???????????????? ?????? 2005 ?????? ????????? ??????? ??????? ?????.? ????????????? ??? ?????? ?????? ????????????? ??????????? 6 ?????????????? ????????? ?????????????? ?????? ?????????? ???????.? ???????? ??????? ?????????? ???????? ??????????????????? ?? ????????????????? ????????? ?????? ??????????? ?????????????? ???????? ????????? ??????? ??????? ?????????? ????????? ???? ?????.? ?????? ?????? ????????? 1 ??? ????? ?????? ???? ?????.

 

????????????? ?????? ?????????? 2? :-????? ?????? ????????? 2 ??????? ????????? ???? ???? ???, ?????? ??????????? ??????????????? ????????????? ???????????????? ???????????? ??????????????????? ????????? ?????????? ??????? ??. 3,50,000/-?????? ??????????? ?????.? ??? ?????????????? ???????? ??????????????????? ?????????????? ????????? ?? ????????????? ?????????? ????????? ??????? ??????.? ?? ????????? ?????????? ??????????????? ?????????????????? ??????????????????? ??????? ??? ????????????? (insurable interest) ?????? ???? ?????? ??????????? ?????? ?????????? ?????? ??????? ???????? ????? ??????. ???????? ???????? ???????? ???. 27/9/05 ??????? ?????? ??????????? ?????????? ??????????????? ?????????????????? ?????? ?????????????? ????? ???? ?? ???????? ??????? ?????????? ???????? ??????.? ??????? ?????????????????? ?????????????? ???????????? ????????????? ????????? ?????????? ???????? ????? ?????? ??????? ??????? ?????? ?????.? ???? ????????? ?????? ??????????? ??????????????????? ??????? ????????????????? ?????????????? (insurable interest) ???????? ?????? ?????????? ?????? ??????? ???????? ????? ??????.? ???????? ?????? ??????????? ????????? 5 ????????????????? ???.????.???. ?????????????????? ??????? ?????????? ?????? ???????? ??? ???????????????? 1. ?????????? ???????, 2. ????????????? (insurable interest), 3. ??????? ?????????? ???????????????????? ????????? ??????? ??? 4. ????????? ?????????? ??? ???????? ??????? ?????????? ???????????????? ?????????????????????? ?????? ??????????? ???. 11/2/2006 ??????? ?????????? ??????????????? ???????? ??????.? ?????? ????????? 1 ?????? ?????????? ???????????????? ?????? ??????????? ?????????? ??????????????????? ?????? ??????????? ??????? ???????????? ????????????? (insurable interest), ????? ?????? ?????? ??? ???????? ?????? ??????? ????? ??????. ??? ???? ?????? ????????? 1 ?????? ?????? ?????? ?????.? ???????? ????????????????????? ????????? ?????? ??????????????? ??????????????????? ?????????? ??????????????? ??????????? ??????? ??????????? ??????.? ?????????????????? ???????????? ????????? ?????????? ?????? 2005 ?????? ????????? ????? ???? ????????? ?????? ??????????? ?????????????? ?????? ??????? ???????????? ????????? ?????????????????????? ??????????? ????????? ????????????? ????????? ?????? ??????????? ????????? ?? ???????????? ????? ?????????? ??????? ??. 2,00,687/- ???????? ?????????? ?????? ???????? ??????????? ????????????? ?????? ???????.? ?????? ????????? ?? ????????????? ??????? ?????????? ????? ????????.? ?????????? ??????????????????? ?????????? ??????????? ????????????? ??????? ???????? ????????? ?????????????????? ???????????????? ?????? ?????????? ?????????????? ??????? ??????? 3,50,000/- ??????? ?? ????? ?????????? ???? ??????????? ???? ????????? ???? ????? ?? ????? ??????? ?????? ?????????????? ?????????????????? ?????????? ???. 29/9/05 ???????? ??? ??????? ???????? ??????????????? ???? ????? ???? ???????? 8% ???????? ??????????? ???????.? ??????? ?????????? ?? ??????????? ????????????? ?????????? ????????? ??????? ??????? ??. 10,000/- ?? ????????? ????????????? ??. 5,000/- ???????. ???? ????????? ???? ?????.?

?? ????????????, ??????? ???????? ?????????? ??????? ???,

??????????????????????????????? -: ??????? ??????? :-

1.??????? ?????????????????? ???????? ????????????????? ???????? ?????????? ??????.

2.??????? ??????? ???????? ???????????? 45 ???????????? ???? ???????????????? ?????????????????? ???????? ?????????

?????????? ??????? ????????.

?.??????? ?????? ?????? ?????????? ???????????????? ??????? ??. 3,50,000/- [ ??. ????? ????? ??????? ????????

?????????? ????? ] ??? ???????????? ???????? ??????? ??????????????? ???????? ???. 29/9/05 ???????? ??? ????????

?????????? ???????? ??????????????? ???? ????? ???? ???????? 8% ???????? ??????????? ??????????.?

??.??????? ?????????? ?? ??????????? ????????????? ?????????? ????????? ??????? ??????? ??. 10,000/-[??. ????????

?????????? ??????? ????? ] ???????.?????????????????????????????????????????????????????????????????? ????????????????????????.?????? ????????? ????????????? ??. 5,000/- [ ??.????? ??????? ????? ] ???????.

??.??????? ????????????? ??????? ?????????? ?????? ? ?? ?? ??????? ??????? ??.???.??.???. 8% ??????????????

?????????? ??????? ??????????? ????????? ????????.

????????? ?????????? ??????????? ??????? ???????? ?????????? ???????????????? ?? ????????? ????????????? ??????? ????????? ??????? ??????? ???????? ???????????????? ??? ???????? ??????? ??????? ????????????? ??.???.??.???. 8% ???????? ??????????? ???????????? (??) ????????? ??????? ?????????? ????? ??????????.

 

????????? :-? 19/3/2008.

???????? :- ????????? - ?????????.

 

 

???? ( ???.???.???????????? )?????????? ( ????.???. ???????? )?????????? ( ???????? ????? ????????? )

????????????? ????????????? ?????????????????????????????????????????????????????????? ????????

???????????????????????? ????????? ??????? ???????? ???????? ?????????? ?????, ?????????.