Research › Search › Judgment
High Court of Punjab and Haryana · body
2025 DAILYLAW 112698 (PNJ)
NATIONAL INSURANCE CO LTD v. SARIKA & ORS
FAO/3744/2017 · 2025-10-15
Harpreet Kaur Jeewan
body2025
[ 2025 DAILYLAW 112698 (PNJ) · dailylaw.ai ]
[ 2025 DAILYLAW 112698 (PNJ) · dailylaw.ai ]
Judgment text
Extracted from the PDF above. The PDF is authoritative.
FAO-3744-2017 (O&M)
1
!"#$!%&'&"( !"#$!%&'&"( !"#$!%&'&"( !"#$!%&'&"())))*++* *++* *++* *++*
&"(,('-.(%! "/0(12 $+
+++00!,,(
3!.'-'
4.&5($" 6!.'
+++
!'0"($!( '
)
)
)
) 72 72 72 724+4 8
9 4+4 8
9 4+4 8
9 4+4 8
9
.!'!( ) .+
6-, 6(&:$;"% !:
#". 6!00!,,( ('-.(%! "/0(1+
"(!#"..!'0"($!( "'+%,&/( '+
"(!#"..!'0"($!( "+"<(!.+
8
9:+ 8
9:+ 8
9:+ 8
9:+
+
6! 00!,,( ('-.(%! "/0(1 6' #&,!$ 6! 0.!'!( 00!,: ''&,&(= 6! #&($&(=' "# .!%".$!$ >1 6! " ". %%&$!(
,&/' .&>-(,: 8.(, #". '6". : 6! .&>-(, ;&$! 6! &/0-=(!$ <.$ $ !$ ++: <6!.!>1: %"/0!(' &"( /"-( &(= " '+:?:@ 6' >!!( <.$!$ " 6! .!'0"($!( %,&/( ' -($!. 4!% &"("# 6!" ".3!6&%,!'% :?AA#".'6". :B 6!% 7+ +
6!.! &' (" .!0.!'!( &"( "( >!6,# "# 6! .!'0"($!( %,&/( '$!'0& ! 6!#% 6 '!.;&%!<',.!$1%"/0,! !:6"<!;!.: =&(&( !./'"# 6!".$!.$ !$+?+*:(" &%!<'".$!.!$ ">! &''-!$ #". *++*+ ' 0!. 6! "##&%! .!0". : 6! .!'0"($!( %,&/( '<!.!(" #"-($$-.&(=;&'& :6"<!;!.:##&C &"(<'/$!+ .+'6&'6 -0 :$;"% !.!0.!'!( &(= 6!%,&/( ':6','">!!( $-,1&(#"./!$>1 6! !=&' .1: 6."-=6!/&,+ ATUL SETHI 2025.11.04 17:51 I attest to the accuracy and authenticity of this document Chandigarh
FAO-3744-2017 (O&M)
2
+
' 0!. 6! #% -, / .&C &( >.&!#: "( ++: &(5&: <6"<'/" 6!."#.!'0"($!( "+($<&#!"#.!'0"($!( "+:$&!$ &( ."$'&$! %%&$!( <6&,! .;!,,&(= "( /" ".%1%,! >!.&(= .!=&' . &"("+
A>!&(=$.&;!(>1"(!=$&'6+6!,,!=!$ %%&$!( ""50,%!'' .1(&/,%/!&(#."( "# 6!/" ".%1%,! ($&(".$!. "';! 6!(&/,: 6!/" ".%1%,&' 6$ "'-$$!(,100,1 >.5!'+'.!'-, : 6!/" ".%1%,!',&00!$:($ 6!"%%-0( '#!,,"( 6!=."-($+4/ + &(5& $&!$ ($ !;!( 6! %6&,$ &( 6!. <"/> ,'" '-%%-/>!$ " 6! &(D-.&!'+ -! " 6! %%&$!( : 6! /" ".%1%,! <' ,'"$/=!$+
.!=.$&(= 6!'&$&(%&$!( <'.!=&' !.!$
",&%!"' ""(5:8.(,+ +
6! %,&/( '.!'0"($!( "'+ #&,!$ 6! %,&/ 0! & &"(=&(' "<(!.($&('-.!."# 6!/" ".%1%,&' + +
<'%"( !($!$ 6 6!%%&$!( ""50,%!$-! " 6! -'! "# 6! '&$ /" ".%1%,!: ($ ' '-%6: %"/0!(' &"( <' '"-=6 -($!.4!% &"("# 6!% + +
6! 0! & &"( <' %"( !' !$ >1 6! ('-.(%! "/0(1+ ''-!' <!.! #./!$ ($ 6! .&>-(, <.$!$ 6! #",,"<&(= %"/0!(' &"() '+::@"(%%"-( "#,"''"#$!0!($!(%1>1 .! &(= 6!((-, &(%"/!"# 6!$!%!'!$'
'+:@($>100,1&(= 6!/-, &0,&!."# B7+ >
'+::@ "<.$',"''"#%"('". &-/ " 6!6-'>($+ %
'+::@ " 6!/&(".%6&,$"(%%"-( "##&,&,%"/0!(' &"(+ $
'+*:@ "<.$'#-(!.,!C0!('!'+ ! '+:*:@ <' <.$!$ "( %%"-( "# 6! $! 6 "# #! -' "# /"( 6'' 6!$!%!'!$<'0.!=(( 6! &/!"#6!.$!
6+
ATUL SETHI 2025.11.04 17:51 I attest to the accuracy and authenticity of this document Chandigarh
FAO-3744-2017 (O&M)
3
+
6!"- '! :,!.(!$%"-('!,#". 6!('-.(%! "/0(1 $"!' (" 0.!'' 6&' %"( !' =&(' 6! %"/0!(' &"( /"-( "# '+:*:@<.$!$ " 6!%,&/( '"(%%"-( "# 6!#% 6 6! $!%!'!$<'6;&(=/"( 6'",$#! -'''6!<'0.!=(( 6! &/!"#6!.%%&$!( ,$! 6+,&/& !$0.1!.6'>!!(/$! 6 6! %"/0!(' &"('6"-,$6;!>!!(%,%-, !$"(' .-% -.!$#"./-,>'&' ($(" >100,1&(= 6!/-, &0,&!./! 6"$:'&(%! 6!0! & &"(<'#&,!$ -($!.4!% &"("# 6!% + *+
6;!%"('&$!.!$ 6!'->/&''&"('/$!"(>!6,#"# 6! 00!,,( ('-.(%! "/0(1($0!.-'!$ 6!00!.>""5+ +
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
'0!. 6!'%6!/!"# 6!% ($&(;&!<"# 6!$!%&'&"( >1 6!"(7>,! 0!C
"-. &( &"(, ('-.(%! "/0(12 $+ ;'+ &"(, ('-.(%! "/0(12 $+ ;'+ &"(, ('-.(%! "/0(12 $+ ;'+ &"(, ('-.(%! "/0(12 $+ ;'+ .(1 4! 6& .'+: 4
A .(1 4! 6& .'+: 4
A .(1 4! 6& .'+: 4
A .(1 4! 6& .'+: 4
AG 6! %,%-, &"( "# %"/0!(' &"(&(0! & &"(#&,!$-($!.4!% &"("# 6!% &'"( 6! >'&'"#$! !./&( &"("#=!:$! !./&( &"("#&(%"/!"# 6!$!%!'!$:
ATUL SETHI 2025.11.04 17:51 I attest to the accuracy and authenticity of this document Chandigarh
FAO-3744-2017 (O&M)
4
'!,!% &"( "# /-, &0,&!. ($ 6!.!# !. %"/0!(' &"( -($!. 6! %"(;!( &"(,6!$'&+!+ ,"'' "# !' !: ,"'' "# %"('". &-/ ($ #-(!., !C0!('!'&' ">!$$!$+"<!;!.:'0!. 6!0.";&'&"('"#4!% &"(
"# 6!% : 6!F-( &#&% &"("# 6!%"/0!(' &"(&'.!' .&% !$ " 6! 0.!$! !./&(!$ %"/0!(' &"( >-, !$ &( 6! 4!%"($ 4%6!$-,! -($!.4!% &"("# 6!% + A+
$/& !$,1: 6!0! & &"(<'#&,!$-($!.4!% &"("# 6!% ($&(;&!<"# 6!#% '0,!$!$"(.!%".$: 6!#&($&(='"# 6! .&>-(, <6&,! $!
!./&(&(= %"/0!(' &"( >1 <1 "# 00,1&(= 6! /-, &0,&!./! 6"$.!!.."(!"-'($(" '-' &(>,!&( 6!!1!'"#,<+ ?+
6! %"/0!(' &"( 6' " >! .!' .&% !$ " ' .-% -.!$ #"./-,+ &','"(" &%!$ 6 6!.!<'("&(;",;!/!( "#(1" 6!. ;!6&%,!&( 6!%%&$!( &(F-!' &"(:>- 6!$! 6 ""50,%!$-! " 6! -'!"#/" ".%1%,!<6!.!&( 6!$!%!'!$<'0&,,&"(.&$!.+ 6'>!!( %"( !($!$ 6 ' .1 (&/, %/! &( #."( "# 6! /" ".%1%,!G .!'-, ( ,1: 6! /" ".%1%,! ',&00!$ ($ 6! "%%-0( ' #!,, "( 6! =."-($+''-%6: 6!0.";&'&"('"#4!% &"("# 6!% <"-,$(" >! 00,&%>,!($ 6!%"/0!(' &"(&' ">!'%!. &(!$-($!.4!% &"(
"# 6!% + +
4!% &"( "# 6! % &' ("< '->' & - !$ >1 4!% &"(
"# 6! " ". 3!6&%,!' % : ?AA % "+ "# ?? <+!+#+ +++ ' '-%6: 6! F-!' &"( .&'!' ' " <6! 6!. &( '-%6 0! & &"('<6&%66;!>!!(#&,!$0.&". " 6!/!($/!( "#?&( 6! % :0.";&'&"('"#4!% &"("# 6!% <"-,$>! .% !$".(" H
ATUL SETHI 2025.11.04 17:51 I attest to the accuracy and authenticity of this document Chandigarh
FAO-3744-2017 (O&M)
5
+
4!% &"(&>&$.!$''#",,"<') IIII1/!( "#%"/0!(' &"(&(%'!"#$! 6".=.&!;"-'6-. :! %+ 1/!( "#%"/0!(' &"(&(%'!"#$! 6".=.&!;"-'6-. :! %+ 1/!( "#%"/0!(' &"(&(%'!"#$! 6".=.&!;"-'6-. :! %+ 1/!( "#%"/0!(' &"(&(%'!"#$! 6".=.&!;"-'6-. :! %+
" <& 6' ($&(=(1 6&(=%"( &(!$&( 6&'% ".&((1" 6!. ,<#". 6! &/!>!&(=&(#".%!".&(' .-/!( 6;&(= 6!#".%!"#,<: 6! "<(!. "# 6! /" ". ;!6&%,! ". 6! - 6".&'!$ &('-.!. '6,, >! ,&>,! "01&( 6!%'!"#$! 6".=.&!;"-'6-. $-! "(1%%&$!( .&'&(="- "# 6!-'!"#/" ".;!6&%,!:%"/0!(' &"(:"#'-/"# #&;!,56.-0!!'&(%'!"#$! 6"."# <"($6,#,56.-0!!'&( %'!"#=.&!;"-'6-. " 6!,!=,6!&.'". 6!;&% &/:' 6!%'!/1 >!+ ( (1 %,&/ #". %"/0!(' &"( -($!. '->'!% &"( : 6! %,&/( '6,,(" >!.!F-&.!$ "0,!$".!' >,&'6 6 6!$! 6". =.&!;"-'6-. &(.!'0!% "#<6&%6 6!%,&/6'>!!(/$!<'$-! "(1<."(=#-,% ".(!=,!% ".$!#-, "# 6!"<(!."# 6!;!6&%,! "."# 6!;!6&%,!%"(%!.(!$"."#(1" 6!.0!.'"(+ 96!.!:&(.!'0!% "#$! 6".=.&!;"-'6-. $-! "(%%&$!( .&'&(="- "# 6!-'!"#/" ".;!6&%,!:%"/0!(' &"(6'>!!(0&$ -($!. (1 " 6!. ,< #". 6! &/! >!&(= &( #".%!: '-%6 /"-( "# %"/0!(' &"( '6,, >! .!$-%!$ #."/ 6! /"-( "# %"/0!(' &"( 01>,!-($!. 6&''!% &"(+J
+ (;&!<"# 6!0.";&'&"('"#4!% &"("# 6!% :&( 0! & &"(#&,!$ 6!.!-($!.: 6!"<(!."#/" ".;!6&%,!". 6!&('-.!. 6!.!"# &' ,&>,! " 01 %"/0!(' &"( " 6! -(!
"#
'+*::@ &( %'!"#$! 6". " 6! -(!"#
'+:*:@&(%'!"#=.&!;"-'6-. " 6!,!=,6!&.'@&(D-.!$;&% &/($&('-%6%'!': 6!%,&/( &'(" " 0,!$".!' >,&'6 6 6!$! 6".=.&!;"-'6-. <'%-'!$$-! "(1 <."(=#-,% ".(!=,!% ".$!#-, "# 6!"<(!."# 6!;!6&%,!+
+
6! "(7>,! 0!C
"-. &(
/ -. & ($ 6!.' 3'+ / -. & ($ 6!.' 3'+ / -. & ($ 6!.' 3'+ / -. & ($ 6!.' 3'+ -(D>4 !,!% .&%& 1".$:
-(D>4 !,!% .&%& 1".$:
-(D>4 !,!% .&%& 1".$:
-(D>4 !,!% .&%& 1".$:
6!,$ 6 6!%,&/( '6"-,$ >! =.( !$ >!(!#& "# >!(!#&%&, 0.";&'&"(' !(% !$ >1 6! .,&/!( + <'6!,$'-($!.) I+6!0.";&'&"('"#4!% &"(<6&%6#"./!$0. "# 60 !. ATUL SETHI 2025.11.04 17:51 I attest to the accuracy and authenticity of this document Chandigarh
FAO-3744-2017 (O&M)
6
"# 6!" ".3!6&%,!'% ?AA<!.!"/& !$>1% "#?+ 4&/-, (!"-',1: 60 !. <' '->' & - !$ "# <6&%6 4!% &"( 0.";&$!'#".01/!( "#%"/0!(' &"(&( 6!%'!"#$! 6&( 6! /"-( "#
' * ,56' ($ &( 6! %'! "# =.&!;"-' 6-. "#
' +* ,56'+ A+ 9! .! &(%,&(!$ " =&;! 6! 00!,,( ' 6! >!(!#& "# 6! >!(!#&%&, 0.";&'&"(' <6&%6 6;! >!!( !(% !$ >1 .,&/!( + !(%!:&(/"$&#&% &"("# 6!".$!."# 6!&=6
"-. :<!$&.!% 6 6! 00!,,( ' '6,, >! !( & ,!$ " ( /"-( "#
' * ,56' ' %"/0!(' &"(+"<!;!.:&# 6!/"-( "#
'*:<6&%66'>!!( <.$!$>1 6!&=6
"-. 6',.!$1>!!(0&$";!.: 6!>,(%! ". 6!!( &.! 1"#
'*,56'&#("/"-( 6'>!!(0&$'6,,>! 0&$";!. " 6!00!,,( '>1";!/>!.+
+
( ;&!< "# 6! >";! $&'%-''&"(: 6! 0.!'!( 00!, &'
0. ,1 ,,"<!$ ($ 6! <.$ 0''!$ >1 6! .&>-(, &' /"$&#&!$ %%".$&(=,1+
"('!F-!( ,1: 6! &/0-=(!$ <.$ 0''!$ >1 6! .&>-(, &' /"$&#&!$ ($ 6! %,&/( ' .! 6!,$ !( & ,!$ #". %"/0!(' &"( " 6! !C !( "#
'+*::@ .!=.$&(= 6! $! 6 "# &(5&'&(%!$!%!'!$-($!.4!% &"("# 6!% + +
6! #&($&(=' "# 6! .&>-(, <6&,! <.$&(= '-/ "# '+:*:@'%"/0!(' &"("(%%"-( "#$! 6"# 6!#! -'"# /"( 6'&( 6!<"/>"# 6!$!%!'!$.!(" , !.!$'&(%! 6!('-.(%! "/0(16'(" 0.!''!$& '%"( !' =&(' 6!'&$/"-( +''-%6: 6! %,&/( ' '6,, >! !( & ,!$ " 6!
" , %"/0!(' &"( "# '+:*:@
'+*::@ K
'+:*:@ ,"(= <& 6 &( !.!' L +*M0!.((-/&( !./'"# 6!&/0-=(!$<.$ *+
6!$&'>-.',"# 6!%"/0!(' &"(($00". &"(/!( ($ $!0"'& "# 6!'6.!"# 6!/&(".&( 6!'60!"#
'6,,,'">!&( !./'"# 6!. &"<.$!$>1 6!.&>-(,+ +
6!('-.(%! "/0(1&'$&.!% !$ "$!0"'& 6!/"-( ATUL SETHI 2025.11.04 17:51 I attest to the accuracy and authenticity of this document Chandigarh
FAO-3744-2017 (O&M)
7
,"(=<& 6&( !.!' <& 6 6!.&>-(,<& 6&(0!.&"$"#/"( 6'#."/
"$1+6!.&>-(,&'#-. 6!.$&.!% !$ "$&'>-.'! 6!%"/0!(' &"( ,"(= <& 6 &( !.!' $&.!% ,1 &( " 6! >(5 %%"-( ' "# 6! %,&/( '+ 6! 0. &%-,.' "# 6! >(5 %%"-( ' ,"(= <& 6 6! .!F-&'& ! $"%-/!( '&('-00". 6!.!"#'6,,>!#-.(&'6!$>1 6!%,&/( ' " 6! 00!,,( ('-.(%!%"/0(1<& 6&(0!.&"$"# <"<!!5'#."/ "$1 ($(!!$#-,'6,,>!$"(!>1 6!('-.(%! "/0(1# !.;!.&#&% &"( 6!.!"#<& 6&(0!.&"$"##"-.<!!5' 6!.!# !.,"(=<& 6-0 "$ ! &( !.!' +6!%"/0,&(%!'6,,>!.!0". !$>1 6!(5 " 6!.&>-(, %"(%!.(!$+ +
!($&(=00,&% &"(':&#(1:'6,,,'"' ($$&'0"'!$"#+
*+ *+ *+ *++* +* +* +*
N
8
9O N
8
9O N
8
9O N
8
9O -,'! 6&
96! 6!.'0!5&(=@.!'"(!$) !'
"
96! 6!. !0". >,!) !'
"
ATUL SETHI 2025.11.04 17:51 I attest to the accuracy and authenticity of this document Chandigarh