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High Court of Karnataka · body
2025 DAILYLAW 10664 (KAR)
SRIRAM GENERAL INSURANCE CO. LTD., v. GOVINDAMMA AND ORS
MFA/202228/2023 · 2025-01-29
C M Joshi
body2025
[ 2025 DAILYLAW 10664 (KAR) · dailylaw.ai ]
[ 2025 DAILYLAW 10664 (KAR) · dailylaw.ai ]
Judgment text
Extracted from the PDF above. The PDF is authoritative.
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D08>305/2/H>01</ /8>642/4<6 <=/6D4/16@<=/ :/=953/ =08 @93/2 D19<</4 8<0</A/4< 02A9<<94? <=0< 2/5/08/2D0853/04/164=98:/=953/042=/78/2<6>0C0 80301C 6@ 8& >/1 A64<= 042 B0<0 6@ 8 >/1 20C6D/:/1 =/2/49/2108=0424/?39?/4<219:94?042 033/?/2<=0<<=/56A>/480<9645309A/208=9?=3C/H61B9<04< 0429A0?9401C6D/:/1 =/87BA9<</2<=0<<=/219:/16@ <=/:/=953/D08=0:94?0:0392219:94?395/48/ =/45/ <=/ 390B939<C 9@04C =08<6B/@08</4/27>641/8>642/4<6 4871045/6A>04C 5 /8>642/4< 6 J 4871045/ 6A>04C 564</42/2 <=0< <=/ 56A>/480<964 5309A/2 98 =9?=3C /H61B9<04< 042 9A0?9401C < 2/49/2 <=/ 9456A/ 042 6557>0<964 6@ <=/ 2/5/08/2 < D08 564</42/2 <=0< <=/ 2/5/08/2 D08 <10:/394? 08 04 7407<=619K/2 >088/4?/1 0364?
D9<= 6<=/1 >088/4?/18 94 <=/ ?6628 :/=953/ 94 :9630<964 6@ <=/ >16:989648 6@ <=/ 5< 042 <=/ >6395C 56429<9648 < D08 564</42/2 <=0< <=/ >/<9<964/18 8=6732 =0:/0>>1605=/2<=/6AA988964/1742/1<=/
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6A>/480<964 5< 042 <=/1/@61/ <=/ >/<9<964 98 46< A094<0940B3/ 2 4 <=/ B0898 6@ <=/ 0B6:/ 564</4<9648 0>>16>190</ 9887/8 D/1/ @10A/2 BC <=/ 19B7403 042 /:92/45/D083/2/<9<964/16D08/H0A94/208 042
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/:92/45/ BC <=/ 6D4/1 6@ <=/ :/=953/ <=0< =/ =02 /A>36C/2 <=/ 2/5/08/2 =9:0>>0 08 0 53/04/1 042 D08 >0C94? 8& >/1 A64<= 08 80301C 042 8 >/1 20C 08 B0<0 94 <6<03 8 >/1 A64<= B7< <=/
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3/014/2 56748/3 19 7B=08= 0330>71 0>>/0194? @61 <=/ 4871045/ 6A>04C D6732 87BA9< <=0<<=/ 0426<=/1>6395/ >0>/1853/013C 8=6D <=0<<=/2/5/08/2D0864/0A64?>378A/AB/18 D=6 D/1/ <10:/394? 94 <=/ 8092 !63/16 6628 /=953/ 042 <=/1/@61/ =/D080?10<79<678>088/4?/1<98564</42/2 <=0< <=/ 2/5/08/2 D08 <10:/394?
64 <=/ B62C 6@ <=/ :/=953/ <=/1/@61/ =/50446<B/5648<17/2083/04/1 D=6 98 56:/1/2 742/1 <=/ >6395C < 98 @71<=/1 87BA9<</2 <=0< <=/ >/<9<964/1 8=6732 =0:/ 0>>1605=/2 <=/ 6AA988964/1 742/1 <=/
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A>36C//8 6A>/480<9645<01/A/04<@61<=/D61GA/4 D=687@@/1 05592/4<8 61 94;719/827194? 56718/6@ /A>36CA/4< D=95= 4//2 46< B/ 94 0 A6<61 :/=953/ 05592/4< =/1/@61/ <=/ A>36C//86A>/480<9645<56:/180301?/1?0A7<6@<=/ B/4/@959019/8 D=62646<@033742/1<=/856>/6@<=/6<61 /=953/85< =/>16:9896486@6<61/=953/85<56:/10 A0;61>61<9646@<=/>/6>3/ D=601/46</A>36C//86@<=/ 6D4/1 6@ <=/ :/=953/ /:/1<=/3/88 <=/1/ 98 6:/130>>94? 01/0 D=/1/ <=/ 87@@/1/18 A0C B/ <=/ D61GA/4 0386 042 <=/C 87@@/1 <=/ 94;71C D=93/ <=/ :/=953/ D08 94 78/ =/
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>16:9896486@/5<964,6@<=/6<61/=953/85<>16:92/ 046><964<6<=/5309A04< =/1/@61/ <=/1/9846B01@61 04 /A>36C// <6 5309A <=/ 56A>/480<964 742/1 <=/ >16:989648 6@ <=/ 6<61 /=953/8 5< =98 >16>689<964 6@ 30D=08B//42/592/2948/:/1036@<=/2/598964894537294? <=/ 508/ 6@
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=/8/5642>694<1098/2BC3/014/256748/3@61 <=/4871045/6A>04C98<=0<<=/2/5/08/2D08<10:/394? 64 <=/ B62C6@ <=/ ?6628:/=953/ D=95=98 46<>/1A9<</2 042 <=/1/@61/ =/ D08 0 ?10<79<678 >088/4?/1 501/@73 >/17803 6@ <=/ 51688/H0A940<964 6@ <=/ 0@@920:9< /:92/45/ 6@ 042 <=/ >6395/ >0>/18 94537294? <=/ 042 5=01?/8=//< D6732 8=6D <=0< <=/1/ 98 0B8637</3C 46 A0</1903 <6 /8<0B398= <=0< <=/ 2/5/08/2 D08 <10:/394? 94 <=/B62C 6@ <=/ :/=953/ =0< <=/ 56A>309404< 8<0</8 94 =98 56A>3094< <6 <=/ >6395/ 98 <=0< 94537294? <=/
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56A>309404< 8/:/103 6<=/18 D/1/ 89<<94? 64 <=/ B62C 6@ <=/:/=953//8>/59@95033C8<0</894<=/56A>3094<<=0<<=/ 2/5/08/2 =9:0>>0 6 /:010CC0440 042 64/ 922010A737 601080>>0 D/1/ 0386 89<<94? 042 <=/ 219:/1 =9AA0>>0D08219:94?<=/:/=953/ =988<0</A/4< 94 <=/ 56A>3094< ?9:/8 0 ?/4/103 A/0494? <=0< <=/ 2/5/08/2=9:0>>0042046<=/1A0CB/89<<94?BC<=/892/ 6@<=/219:/10386 =/1/@61/ <=/56A>3094<B/94?7453/01 1/?01294?<=/564</4<9641098/2BC<=/3/014/256748/3@61 <=/4871045/6A>04C 9<=0:94?46<B//48>6G/4<6BC 08 D/33 08 46< 87??/8</2 <6 9< @0338 <6 <=/ ?16742 =/1/@61/ <=9801?7A/4<0>>/018<6B/B/1/@<6@ <=/ >3/0294?8 042 <=/ 87??/8<9648 94 <=/ 51688 /H0A940<964
=/ <=912 08>/5< <6 B/ 564892/1/2 98 1/?01294?
<=/I704<7A6@56A>/480<964<98>/1<94/4<<646</<=0< <=/ 19B7403 =6328 <=/ 9456A/ 6@ <=/ 2/5/08/2 <6 B/ 8& >/1 A64<= B7< 9< @0938 <6 022 <=/ @7<71/ >168>/5<8 =/ 3/014/2 56748/3 0>>/0194? @61 <=/
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>/<9<964/18 D6732 87BA9< <=0< <=/ 46<96403 9456A/ 564892/1/2BC<=/ 19B74039864<=/=9?=/1892/!7<<=/ 64/ 8<0</2BC 9864<=/36D/1892/<98>/1<94/4<<6 46</ <=0< <=67?= <=/ >/<9<964/18 564</42/2 <=0< <=/ 2/5/08/2D08/01494? 8& >/1A64<=042087A6@ 8>/120C08B0<0 6D4/16@<=/:/=953/=08 8<0</2 <=0< <=/ 2/5/08/2 D08 B/94? >092 0 80301C 6@ 8 >/1 A64<= 042 8 >/1 20C 08 B0<0 4 6<=/1 D6128 <=/ /:92/45/ 64 1/5612 94 <=/ @61A 6@ <=/ </8<9A64C6@<=/ D67328=6D <=0<9<D08 8& >/1 A64<= B7< <=/ 64/ 564</42/2 BC <=/ 0>>/3304<8 >/<9<964/1898 8 >/1A64<= 8 >/1 <=/ ?792/394/8 9887/2 BC <=/ +0140<0G0 <0</ /?03 /1:95/8 7<=619<C + @61 8/<<3/A/4< 6@ <=/298>7</8 B/@61/ <=/ 6G 2030<>1/8519B/ <=/46<96403 9456A/ 6@ 8 , @61 <=/ C/01 4 7A><//4 47AB/1 6@ 2/5989648 <=98 671< =08 =/32 <=0< <=/ ?792/394/8 9887/2BC + 01/ =/32 <6 B/ 055/><0B3/ 64 <=/ ?16742 <=0< <=/C 01/ 94 ?/4/103 564@61A9<C D9<= <=/
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:/4<=/ D08B6742<6 >0C080301C94055612045/D9<=<=/949A7A0?/85< @09394? D=95= 9< D6732 0<<105< <=/ >/403 >16:989648
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