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High Court of Punjab and Haryana · body

2017 DAILYLAW 3148 (PNJ)

THE NEW INDIA ASSURANCE CO LTD v. VEERPAL KAUR & ORS

FAO/3907/2017 · 2026-03-06

Harkesh Manuja

body2017

Judgment text

Extracted from the PDF above. The PDF is authoritative.

FAO No.3907 of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attest to the accuracy and authenticity of this order/judgment FAO No.3907 of 2017 . *!$&*'!.0 -#-12-! &-,! 2#11& )))),&! -22#&&#- 2-%+!*-!  &*'&4- ! &!   5   5   5   5  >  >  >  > ////           *%+#$!  & -11! *!$' %.*-1 24! &1- 1#&&2-! 22*! *!L# ! 4 #4   .!  &! &*!$1##& #.%* *!#&!2 +-,*20 ,*.,-*! %!*   5   5   5   5   />   />   />   /> 3333&!  #++-&  .  #+- 17 (O&M) .0&+-! ! -3E5$ "*! ! &#$*+#&- C! &#2 &%#,*+,*!"#&*! ,&#22 &! &*.#! ,4-!++&2**-!-1 -&! ! $,*$! &*'*!$-1   !-*2 .-'4 1!*!$ "-*! ! *!#&&                         >  5  >  5  >  5  >  5  &!  2-#!, 1-&  ++,,! &+&*%&*,0-!$&-#!  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'&, ,*.*,*0 #+-!                         ! >!#&!2 -%+!0 *, 24 - &',,*!$ &>2-! &*'&4-!-1,, * -! %+,#! &2*-!/8-1 '. !1! #+-!*!#&& .01&-124 & %+*!$-'&02  ! $,*$!  &*'*!$  2-%+,  ,&!  &*.#! , && *! ,  ,--1+! !20,04* -1&%! 2-! **-!-1 +,,! >!#&!2 -%+!0  !                     -1&+-! ! --/M2,*% &*.#! ,! #.%*% +&2**-! -1  -&,  ,, 2  !   *!  & !        *!$*! **! -1 && 4 2, ,,0  *!   1  !-     %!  % ,,  MOHMED ATIK 2026.03.06 17:33 I attest to the accuracy and authenticity of this order/judgment FAO No.3907 of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attest to the accuracy and authenticity of this order/judgment FAO No.3907 of 2017 '*2,4 *2 1 '*!2 '*,. &**!$-#-1+ .,**&2 -+*!$  & ++,-()3B ++,-()3B ++,-()3B ++,-()3B '* ' *% '* ' *% '* ' *% '* ' *% #-&**',0 2,*%2!  %&*,+,2 &**!$-#-1    &*! , &*! , &*! , &*! , !#&! !#&! !#&! !#&! 2&*%*! ,2-& &%*!*!$! $, 8 8 8 8!+ &#2C $*! ,*&,,0 %! *#*-! & *!  -&*! &0 2*&2#%!2& '*2, !2 K+,*!   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'*2, ! -#-12-! *!!0%!! &*+,2*!1&! #%. !  #+-!  &*'& -1   *!+&-+&2-! &-,--% 4 ! &0 *!$ &- -.0 *'*, *'*, *'*, *'*, *%, *%, *%, *%, -#& *!  *-1 1(9B 1(9B 1(9B 1(9B      -1  1-& ,!  *2  *! #&& ! *!$ &-,-1 &-   ! &-, &!2 '0 !0 MOHMED ATIK 2026.03.06 17:33 I attest to the accuracy and authenticity of this order/judgment FAO No.3907 of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attest to the accuracy and authenticity of this order/judgment FAO No.3907 of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attest to the accuracy and authenticity of this order/judgment FAO No.3907 of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attest to the accuracy and authenticity of this order/judgment FAO No.3907 of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attest to the accuracy and authenticity of this order/judgment