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High Court of Punjab and Haryana · body

2024 DAILYLAW 1932 (PNJ)

DEEPAK AND ORS v. IFFCO TOKIO GENERAL INSURANCE CO. LTD. AND ORS

FAO/3041/2024 · 2026-01-23

Harkesh Manuja

body2024

Judgment text

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FAO No.3041 of 2024                                                        ''''         ,,,,         //// 0 %* 0 %* 0 %* 0 %* )%* *" + )%* *" + )%* *" + )%* *" + 3333  - 14  - 14  - 14  - 14 !" #$ 4 !" #$ 4 !" #$ 4 !" #$ 4   56  56  56  56 7  7  7  7 % 6 5%   2*%    5%   2*%%      5  5  5  5 89  1 :;,';'/ )  .%&( 14 >  %( +*$)  (*  * 2%*$  *2 *2 <" - (      8'9   ))-- B+- ($ +*$)  (*  * 24 (O&M)                            * * * *,,,,                                          !" #$  %%&    !" #$  %%&    !" #$  %%&    !" #$  %%&    !" #$ ()%* *" +    !" #$ ()%* *" +    !" #$ ()%* *" +    !" #$ ()%* *" +    !" #$ (")-*  *    !" #$ (")-*  *    !" #$ (")-*  *    !" #$ (")-*  * %* -1*)% (&) % *2 !" #$ %* -1*)% (&) % *2 !" #$ %* -1*)% (&) % *2 !" #$ %* -1*)% (&) % *2 !" #$ + *%  % 2"--!" #$ ( + *%  % 2"--!" #$ ( + *%  % 2"--!" #$ ( + *%  % 2"--!" #$ ( 14(2 14(2 14(2 14(2 14*2 )%* *" +$ *2 14*2 )%* *" +$ *2 14*2 )%* *" +$ *2 14*2 )%* *" +$ *2 4 % *  %*2 4 % *  %*2 4 % *  %*2 4 % *  %*2 75    75    75    75    %"%( % "%4 &*+  *%  ))--  % +( ") 4 &*+  *%%)*  *B "% +*$  4  4  4  4 1 1*2)%  )) -4+ -- #   .1  - %   5* *% ++( %(." -?@4 %.1  $*"  *  * ))-- B+- ($  *' -* # *2(  ( " (* *2+- ($) ( (*  (-- (  $* *%&(+"- % ++(  4*++"  +- ($ ) ( (*  + $ * . ($  .2*%  -%  % *" *2 /;4;;4;;;BG= "                 ,;/ ,;/ ,;/ ,;/*2 *2 *2 *2';'/ ';'/ ';'/ ';'/= H5@ = H5@ = H5@ = H5@  I)) I)) I)) I))-- -- -- --             I )*  I )*  I )*  I )*       ' ' ' '; ; ; ;';' ';' ';' ';':::: + + + + '''',,,,;';': ;';': ;';': ;';': * .( * .( * .( * .( '''',,,,;';': ;';': ;';': ;';': $ ( $ ( $ ( $ ( ()%* *" + ()%* *" + ()%* *" + ()%* *" + "-- "-- "-- "-- *22"-- *22"-- *22"-- *22"-- *))-(+.- *))-(+.- *))-(+.- *))-(+.- 5  5  5  5  *$) 1 #. -(* % +(  -($ %(." -4 *< =  *2 A4'/4';;BG  % * # ( ( % C DE )%  " (--(%-(F(* * ++*" *2 ++"%%* 'D;D';D  . 2(-   (  + %(." -4 )%1( # 2*% #%  ")2*%1-<* -1@4* ++*" 1    =2*%   "$   *2  *2 +*"  MOHMED ATIK 2026.01.23 17:03 I attest to the accuracy and authenticity of this order/judgment FAO No.3041 of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attest to the accuracy and authenticity of this order/judgment FAO No.3041 of 2024   5   5   5   5  B  B  B  B 839   "22%2%*$(-- - %  %(." - +   (-  .-(     <" -  &( * % )%* "% %$*%4 (  +* & (* -  )% 1 2*%    5   5   5   5 * * * *BBBB         8:9  % *$) 1 (  *22 ( # &(+- +*$)  (*               8K9    .**<*2 +  ))--  O    O    O    O    8A9     <" - &( 2 $(-1) (*  24 (O&M)                         B5 B5 B5 B5  %  +*" -2*%  ))--  --# -( 12*%$(G ))%+( (* *2 -4%% ( *- ( #  * -1+- ($ (- (# *%( #  " %."   &( +- ($ * */ % ) &(   ($ *2 %   * -L)   *--1" !" (2( (   ".$(      $*"    *  (  +* * + +$ *2+*$)  (*  )%                              5   5   5   5  % +* % 4 - %   +*" - %)% % %2"    2 + "$ *2 ++(  (+-4 * &% ".$(     (    .1 - %  %(." -+   &  %  - %   +*" - 2*% 2( 2*%+(   %#"$   5  5  5  5   )%  + 4 )%" - *2  &(4   ($*2 ++(   /  *  " *2 K4D';BG)%$                         ".$(     ($)"#   2&(  +  ".$(     ($ *'  )  ")*  &(  + *  %+*%  (+ +-   ")*  ( +*$*2 +  * N" -14   "+ (*  *2 3; (2(  +* % %1 *  - - "  *2 +*$)  (*  #%   "  (    -  - 4 %2*%4 %-   +((* *  ".!+                          % ( # %)*   *,B "%   *% &   #-(# + *2   2 +  *2  )%  + 4 -+ -- 2*% *( %2% + %  ) % (  )%"  ) )  & + .1- %  *" -2*%   %+*%  ( (+    +  /A1 %*2 #  %+(&( %$* - %  %(." - 2 3     %      - %-1     3;E -  " % 4      % + 2  4  )%G *%   G (&( #  2 % MOHMED ATIK 2026.01.23 17:03 I attest to the accuracy and authenticity of this order/judgment FAO No.3041 of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attest to the accuracy and authenticity of this order/judgment FAO No.3041 of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attest to the accuracy and authenticity of this order/judgment FAO No.3041 of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attest to the accuracy and authenticity of this order/judgment FAO No.3041 of 2024 > "$$ * > "$$ * > "$$ * > "$$ * //,4 //,4 //,4 //,4   #%  % *  %-(F(* (!" $--.) *2 % $*  +*$) (* - +*$) (*  8,9          ()**2  *2     "%1  "%1  "%1  "%1'''',,,,4444';' ';' ';' ';':::: (< 0 0 24 (O&M) *%&%1  1 *%&%1  1 *%&%1  1 *%&%1  1  *2 ( % C DE )%  "$  +-($  2%*$   *2 ( !"(2( +($*" ( )1.-%2%-* #('E  2%*$ *1 - * $ -%1)(*+-($ -      &( *2  2*%( $*(2  ( #$(+-- *"))-(+(* =      ::::      %)<( #B%*  B* %%)*%.-  B* 1  *%4';/=@  =(& 1  *%4';/=@  =(& 1  *%4';/=@  =(& 1  *%4';/=@  =(& $ *   $*"  *2 +*$) (  ( ("(*  *2 +-($ )((*  (-- ( *)((( %$* 4 'E( %2%*$L)(%1*2)%(  $ (*  %   $*"  --."+2%*$  + (2(+(* 4  )%  ))-  =@4(2 14---* ()* = 5 @ = 5 @ = 5 @ = 5 @          7 =(&(-@ =(&(-@ =(&(-@ =(&(-@ (*  (-- ( 4 %(*  *2 +  )* MOHMED ATIK 2026.01.23 17:03 I attest to the accuracy and authenticity of this order/judgment