IN THE HIGH COURT OF ALLAHABAD, LUCKNOW BENCH
Rajan Roy, Manish Kumar, JJ.
Meena Singh @ Mina Kumari - Petitioner
Versus
District Magistrate, Sultanpur - Respondent
Civil Misc. Writ Petition No. 3374 of 2023
Decided On : 25-05-2023
Insurance - Mukhyamantri Krishak Durghatna Beema Yojana - G.O. dated 28.2.2020 - The court emphasized that the requirement for specific documents should not lead to the rejection of claims when substantial evidence, such as a charge-sheet, supports the claim.
Fact of the Case:
The petitioner sought to quash an order rejecting her claim for insurance benefits under a government scheme following her husband's death in a motor accident, citing lack of required documents.
Finding of the Court:
The court found that despite the absence of a postmortem report and 'Panchnama', the existence of a charge-sheet filed by the State confirmed the circumstances of the death, warranting reconsideration of the claim.
Issues: Whether the rejection of the insurance claim based on the absence of specific documents was justified given the circumstances of the case.
Ratio Decidendi: The court held that strict adherence to document requirements should not override the substantive evidence of death circumstances, especially when the State is prosecuting the case.
Result: The writ petition is allowed, and the District Magistrate is directed to reconsider the claim.
JUDGMENT :
Heard learned counsel for the petitioner and Shri Nishant Shukla, learned Additional Chief Standing Counsel for the State.
Considering the facts of case we do not find any new ground to call for any counter-affidavit.
2. By means of this writ petitioner has prayed for following reliefs :
(II) issue a writ order or direction in nature of mandamus commanding respondent to provide benefit of Mukhyamantri Krishak Durghatna Beema Yojana to petitioner within limited frame work of time.''
3. By means of this impugned order dated 28.3.2023 passed by the District Magistrate, Sultanpur claim of the petitioner for the insured amount under the Mukhyamantri Krishak Durghatna Beema Yojna has been declined on the ground that though, it was asserted by the petitioner that her husband died on 14.10.2021 but while claiming the insured amount the petitioner, who was required to annex certain documents as per the Scheme dated 28.2.2020, had not submitted the postmortem report and 'Panchnama', only on this ground the claim has been rejected.
4. The contention of the petitioner's counsel is that death of the husband had occurred in a motor accident and based on the said incident the accused are being prosecuted before the trial Court and the State itself is prosecuting them based on the F.I.R. bearing Case Crime No. 0327 of 2021 dated 14.10.2021 lodged at Police Station - Chanda, District - Sultanpur and after investigation charge-sheet has been filed against the accused, copy of which is annexed as SA-2 to the supplementary-affidavit dated 2.5.2023, copy of which is in possession of the learned Standing Counsel, though, the Court record does not bear its receipt. Learned counsel for the petitioner has certified copy of the same which he has produced before us and we have taken it on record. It is also the contention of the petitioner's counsel that once the State itself is prosecuting the accused, then, there is no doubt about the manner and cause of death of the petitioner's husband. It being so, the reasons given for rejection of the petitioner's claim, cannot be sustained.
5. The contention of Shri Nishant Shukla, learned Additional Chief Standing Counsel for the State is that scheme requires certain documents to be furnished, two of which are postmortem report and 'Panchnama', as, these were not furnished, therefore, the District Magistrate has rejected the claim.
6. Having heard learned counsel for the parties and perused the record, we are of the opinion that the object behind the provision contained in G.O. dated 28.2.2020 requiring the claimant to submit certain documents such as postmortem report and 'Panchnama' is to be doubly sure about the nature of the death and whether it is covered by the provisions contained in the aforesaid Government Order or not. In this case, even though, the 'Panchnama' and postmortem were not filed by the petitioner, one cannot loose sight of the fact that an F.I.R. was lodged as referred hereinabove, based thereon investigation has been conducted and the Investigating Officer has filed charge-sheet in a competent Court of criminal jurisdiction, therefore, the there is no dispute about the death of the petitioner's husband. In these circumstances, merely because the petitioner - widow could not file the postmortem report or 'Panchanama' her claim could not be rejected, as, it would be hyper technical to reject it in the peculiar facts and circumstances of this case. At this stage Shri Nishant Shukla, learned Additional Chief Standing Counsel says that in fact, neither postmortem was conducted nor 'Panchnama' was prepared. If it is so, then, how the petitioner could have furnished the same before the District Magistrate. The fact remains that the charge-sheet has been filed by the State itself in the said
The court established that procedural requirements should not impede justice when substantial evidence supports a claim.
The rejection of claims under welfare schemes must not be based on narrow interpretations but should consider the substantive relationship between the deceased's activities and their primary source o....
Welfare schemes should be broadly construed to fulfill their objectives; evidence-based decisions are needed, avoiding arbitrary rejections.
Point of Law - Since it cannot be disputed that the claimant is entitled to the insured amount, Court decline to offer any interference under Article 226 of the Constitution on a technical ground.
Claim – No claim should be disallowed purely on technical ground or in a mechanical manner; the insurance company should reject the claim only when the insurer finds that it was liable to be rejected....
Insurance policies in motor accident claims must be proven valid unless convincingly challenged by the insurer; mere assertions aren't sufficient to annul liability.
The court upheld that claims under the Pradhan Mantri Garib Kalyan Package necessitate strict compliance with eligibility and documentation requirements, failure of which results in dismissal.
Login now and unlock free premium legal research
Login to SupremeToday AI and access free legal analysis, AI highlights, and smart tools.
Login
now!
India’s Legal research and Law Firm App, Download now!
Copyright © 2023 Vikas Info Solution Pvt Ltd. All Rights Reserved.