[2025:RJ-JP:34750] HIGH COURT OF JUDICATURE FOR RAJASTHAN BENCH AT JAIPUR S.B. Civil Miscellaneous Appeal No. 1706/2019 Babu Lal S/o Hari Singh, Aged About 25 Years, Resident Of 58 Saray Vega, Sikandra, Agra, District Agra (U.p.) ----Appellant Versus 1. United India Insurance Company Limited Through Its Branch Manager, Having Its Branch Office At Dhoolkot Road, Dholpur 2. Rahul Sharma S/o Satya Bhan, Resident Of Mansarovar Colony, Anand Nagar, Sepau Road, Dholpur, Police Station Nihalganj, District Dholpur 3. Barfi Devi W/o Mohan Das, Aged About 36 Years, Resident Of Bhawani Shankar Ka Pura, Police Station, Maniya District Dholpur 4. Savitri W/o Dharmendra D/o Hari Singh, Aged About 29 Years, Resident Of 58 Saray Vega, Sikandra, Agra District Agra (U.p.) ----Respondents For Appellant(s) : Mr. Dinesh Kumar Garg, Adv. For Respondent(s) : Mr. Devendra Kumar Chauhan, Adv. HON'BLE MR. JUSTICE UMA SHANKER VYAS Judgment / Order 29/08/2025 vihykFkhZ@nkosnkj dh vksj ls ;g vihy fo}ku eksVj nq?kZVuk nkok vf/kdj.k] /kkSyiqj }kjk Dyse ;kfpdk la[;k&219@2017 esa ikfjr fu.kZ; o vokMZ fnukad 22-10-2018 ls O;fFkr gksdj is'k dh xbZ gS] ftlds ek/;e ls vihykFkhZ@nkosnkj dks vius HkkbZ risUnz dh okgu nq?kZVuk esa e`R;q gksus ds [2025:RJ-JP:34750] (2 of 4) [CMA-1706/2019] ifj.kkeLo:i vyx&vyx enksa esa dqy 6]38]400@& :i;s dk vokMZ e; 6 izfr'kr okf"kZd C;kt lfgr fnyk;s tkus dk vkns'k ikfjr fd;k gSA vkjksfir okgu Lokeh] pkyd vFkok chek daiuh dh vksj ls dksbZ vihy izLrqr ugha dh xbZ gSA vkjksfir okgu ls nq?kZVuk gksuk] mlesa pkyd dh ykijokgh gksuk rFkk ;g okgu izR;FkhZ chek daiuh ds ;gka chfer gksuk fooknjfgr gSA fo}ku vf/koDrk vihykFkhZ@nkosnkj dk fuosnu gS fd nkosnkj ckcwyky e`rd risUnz vk;q 50 o"kZ dk NksVk HkkbZ gS] fo'ks"k ;ksX;tu gS] nkosnkj ckcwyky ds ekrk&firk dh e`R;q gks pqdh gS] og vius cM+s HkkbZ risUnz ij gh vkfJr Fkk ysfdu blds ckotwn fo}ku vf/kdj.k }kjk vk; gkfu ds en esa izfrdj jkf'k dh x.kuk mfpr :i ls ugha dh xbZ gS] dalksfVZ;e dh gkfu ds en esa Hkh dksbZ jkf'k ugha fnykbZ xbZ gS] vr% ;Fkksfpr :i ls izfrdj jkf'k c<+k;s tkus dk fuosnu fd;kA fo}ku vf/koDrk izR;FkhZ chek daiuh }kjk vihyk/khu fu.kZ; o vokMZ dks fof/klEer gksuk crkrs gq, ;g vihy [kkfjt fd;s tkus dk fuosnu fd;kA nksuksa i{kksa ds rdksZa ds lanHkZ esa vfHkys[k dk voyksdu fd;kA orZeku ekeys esa nq?kZVuk fnukad 04-08-2017 dh gS] fo}ku vf/kdj.k }kjk e`rd dh vk; 260@&:i;s izfrfnu ekuh gS] ijarq 24 fnu dh etnwjh dks fopkj esa fy;k x;k gS] tcfd ekuuh; loksZPp U;k;ky; ds U;kf;d n`"VkUr y{eh/kj uk;d o vU; cuke tqxyfd'kksj o vU; 2018¼1½ vkj-,-vkj- 45 ,l-lh- rFkk y{ehnsoh o vU; cuke eksgEen rCcj o vU; 2008 ¼2½ Vh-,-lh- 394 ,l-lh- esa izfrikfnr O;oLFkk ds vuqlkj 30 fnu ds vuqlkj izfrdj jkf'k gh fnyk;k tkuk mfpr gSA e`rd vfookfgr Fkk vkSj vf/kdre ml ij ,d gh vkfJr ik;k x;k gS] vr% O;fDrxr thou fuokZg [2025:RJ-JP:34750] (3 of 4) [CMA-1706/2019] [kpZ 1@2 dh dVkSrh fd;s tkus rFkk e`rd dh 50 o"kZ dh vk;q dks ns[krs gq, 25 izfr'kr Hkfo"; esa vk; o`f) dk ykHk fnyk;k tkuk mfpr gSA mijksDrkuqlkj vk; gkfu dh x.kuk dh tkos rks 260x30x12x13x1/2=6,08,400@&:i;s gksrh gS] mDr izfrdj jkf'k ij e`rd dh vk;q ds vuqlkj 25 izfr'kr Hkfo"; esa vk; o`f) dk ykHk 1]52]100@&:i;s tksM+s tkus ij ;g jkf'k dqy 7]60]500@&:i;s gksrh gS] tcfd fo}ku vf/kdj.k }kjk bl en esa 6]08]400@&:i;s fnyk;s gSa] bl izdkj bl en esa vihykFkhZ@nkosnkj 1]52]100@& :i;s vfrfjDr izkIr djus dk vf/kdkjh gSA vihykFkhZ@nkosnkj e`rd dk NksVk HkkbZ gS] ftls dalksfVZ;e dh gkfu ds en esa fo}ku vf/kdj.k }kjk dksbZ jkf'k ugha fnykbZ xbZ gS] tcfd Magma General Insurance Co. Ltd. Vs. Nanuram & Ors. (2018) 18 SCC 130 esa izfrikfnr fl)kUr ds vuqlkj izR;sd vihykFkhZ@nkosnkj e`rd ls feyus okys izse] Lusg vkfn ls oafpr gksus ds dkj.k dalksfVZ;e dh gkfu ds en esa pkyhl&pkyhl gtkj :i;s izkIr djus ds vf/kdkjh gSa] bl izdkj bl en esa 40]000@&:i;s dh jkf'k vihykFkhZ@nkosnkj izkIr djus dk vf/kdkjh gSA 'ks"k enksa esa fo}ku v/khuLFk vf/kdj.k }kjk tks jkf'k fnyk;h x;h gS] og iw.kZr% ;qfDr;qDr o fof/k&lEer gS] ftlesa fdlh izdkj dk gLr{ksi fd;k tkuk U;k;ksfpr ugha gSA bl izdkj fo}ku vf/kdj.k }kjk tks izfrdj jkf'k fnyk;h x;h gS] mlesa c<+ksrjh djrs gq, vihykFkhZ@nkosnkj dqy 1]92]100@& :i;s vfrfjDr :i ls izkIr djus dk vf/kdkjh gSA mijksDr foospukuqlkj vihykFkhZ@nkosnkj dh vksj ls izLrqr ;g vihy vkaf'kd :i ls Lohdkj dh tkdj fo}ku vf/kdj.k }kjk ikfjr vokMZ o fu.kZ; fnukafdr 22-10-2018 dks mikUrfjr djrs gq, vkns'k fn;k tkrk gS [2025:RJ-JP:34750] (4 of 4) [CMA-1706/2019] fd fo}ku vf/kdj.k }kjk ikfjr vokMZ jkf'k ds vfrfjDr bl vkns'k ds rgr vihykFkhZ@nkosnkj 1]92]100@&:i;s rFkk ml ij fo}ku vf/kdj.k esa ;kfpdk lafLFkr fd;s tkus dh fnukad ls olwyh rd 7 izfr'kr lk/kkj.k okf"kZd C;kt dh nj ls jkf'k izkIr djus dk vf/kdkjh gksxkA vk{ksfir vokMZ dh 'ks"k 'krsZa ;Fkkor jgsaxhA LFkxu ,oa vU; dksbZ izkFkZuk&i= ;fn yfEcr gksa] rks os Hkh mDrkuqlkj fuLrkfjr fd, tkrs gSaA fo}ku vf/kdj.k dk vfHkys[k ;fn izkIr gks j[kk gS rks vkns'k dh izfr ds lkFk vfoyEc ykSVk;k tkosA (UMA SHANKER VYAS),J DINESH KUMAWAT /42