2025 Supreme(Online)(SCDRC) 8299
STATE CONSUMER DISPUTES REDRESSAL COMMISSION
NATIONAL INSURANCE COMPANY LTD – Appellant
Versus
LAKHKHIRAM – Respondent
SC/CB5/8/A/25/2024
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cuke yD[khjke ^^Ikfj.kker% ifjoknh dk ifjokn foi{kh ds fo:} Lohdkj fd;k tkdj VsUV ls pksjh gq;s lkeku dh jkf’k 4]75]000@&:Ik;s v{kjs pkj yk[k fipg(cid:217)kj gtkj :i;s fu.kZ; fnuakd ls 9 izfr’kr okf"kZd C;kt dh nj ls vnk djus ds vkns’k fn;s tkrs gaSA ifjoknh dks vkfFkZd o ekufld {kfriwfrZ ds 10]000@&:i;s v{kjs nl gtkj :i;s ,oa ifjokn O;; 5]000@&:i;s v{kjs ikap gtkj :i;s vyx ls fnyk;s tkus ds vkns’k fn;s tkrs gSaA foi{kh }kjk mDr vkns’k dh ikyuk nks ekg esa djus dh lqfuf’prrk djsa rFkk ifjokn dh ikyuk nks ekg esa ugha djus ij mDr C;kt dh jkf’k ifjokn izLrqfr dh fnukad ls ns; gksxhA^^
02- izdj.k ds laf{kIr rF; bl izdkj gS fd ifjoknh ds VsUV gk¯l dh nqdku ls fnukad 26-10-2013 dh jkf= dks nqdku dk rkyk rksMdj vKkr pksj Vs.V dk lkeku pksjh dj ys x;s] pksjh x;s lkeku dh lwph ifjokn ds pj.k la[;k& nks esa ntZ gSA ifjoknh us fnuakd 02-11-2013 dks mDr ?kVuk dh ,Q-vkbZ-vkj- iqfyl Fkkuk cky?kkV esa ntZ djk;hA iqfyl Fkkuk cky?kkV us mDr izdj.k ij vuqla/kku djus ds Ik’pkr~ fnukad 25-12-2013 dks ,Q-vkj- ns nhA rRi’pkr~ ifjoknh us foi{kh chek dEiuh ds ;gkWa chek nkok is’k fd;k] ftls foi{kh us fnuakd 28-03-2014 dks [kkfjt dj fn;k] tks foi{kh chek dEiuh dk lsoknks"k gSA ifjoknh us izkFkZuk dh gS fd mls foi{kh chek dEiuh ls ekufld] ’kkjhfjd {kfr] ifjokn O;; isVs dqy 5]15]500@&:i;s fnyk;s tkoasA
03- foi{kh chek dEiuh us tokc ifjokn i= izLrqr dj ;g dFku fd;k gS fd chek ikWfylh dh ’krZ la[;k 1] vko’;d ,oa vfuok;Z rFkk esuMsVjh Fkh fd fdlh Hkh {kfr vFkok pksjh dh n’kk esa chek/kkjh }kjk chek dEiuh dks vfoyac rFkk rRdky fyf[kr esa lwpuk nh tkosxh rFkk lacaf/kr iqfyl Fkkus esa vfoyEc fjiksVZ ntZ djkbZ tkosxh rFkk iqfyl }kjk ukdscanh djkbZ tkosxh ,oa iqfyl dks iw.kZ lg;ksx fn;k tkosxk ijUrq chek/kkjh }kjk rFkkdfFkr pksjh dh rqjUr lwpuk foi{kh chek dEiuh dks ugha nh uk gh rqjUr iqfyl esa fjiksVZ ntZ djokbZA foi{kh chek dEiuh dks rFkkdfFkr pksjh fnukad 26-10-2013 dh loZizFke lwpuk fnukad 02-11-2013 dks nh xbZA mDr lwpuk i= ifjoknh ds cSad }kjk vius i= fnukad 02-11-2013 ds lkFk Hkstk x;k] bl izdkj ifjoknh }kjk rFkkdfFkr pksjh dh lwpuk 07 fnu nsjh ls nh xbZ ,oa izFke lwpuk fjiksVZ iqfyl Fkkus esa 07 fnu nsjh ls ntZ djkbZ xbZ gS] ftlls chek ikWfylh dh ’krksZ dk mYya?ku gqvk gSA cuke yD[khjke
04- mudk ;g Hkh dguk gS fd ifjoknh ds fotusl LFky dk chek cMkSnk jktLFkku xzkeh.k cSad ’kk[kk Jh egkohjth ds tfj;s djk;k x;k Fkk] ftlds vuqlkj fotusl LFky dk vksuj usrjke iq= lqvkyky xqtZj yikoyh gS] ftldk fdjk;kukek cSad eas izLrqr gqvk gSA ifjoknh }kjk tks rFkkdfFkr pksjh dk LFkku HkSjks VsUV gk¯l fotusl LFky dh nqdku crkbZ xbZ gS tks foi{kh ds ;gWk ls tkjh chek ikWfylh ds rgr cSad fjdkWMZ ds vuqlkj doj ugha gSA ifjoknh }kjk tks izFke lwpuk fjiksVZ iqfyl Fkkus esa ntZ djokbZ XkbZ gS] mlesa pksjh okyh nqdku dk dksbZ vadu gSA foi{kh chek dEiuh }kjk fu;qDr losZ;j Jh th-,y ’kekZ dh tkWp ,oa vuql/a kku fjiksVZ ds vuqlkj cSad fjdkWMZ ls fH