[2025:RJ-JP:17996] HIGH COURT OF JUDICATURE FOR RAJASTHAN BENCH AT JAIPUR S.B. Civil Miscellaneous Appeal No. 4019/2016 The Oriental Insurance Company LTD. Divisional Office LIC Bhawan, Chhawani Chauraha, Kota, Having It's Regional Office Anand Bhawan, Sansar Chandra Road, Jaipur Through Its Constituted Attorney ----Appellant Versus 1. Smt. Manbhar Devi W/o Late Shri Shankarlal, Aged About 30 Years, 2. Laxmi D/o Late Shri Shankarlal, Aged About 8 Years, 3. Chandrashekhar S/o Late Shri Shankarlal, Aged About 6 Years, Claimant-Respondent No.2 And 3 Are Being Minor Through Their Natural Guardian And Mother Smt. Manbhar Devi W/o Late Shri Shankarlal 4. Chhitarlal S/o Late Shri Shyoji, Aged About 62 Years, 5. Kastoori W/ Shri Chhitar Lal, Aged About 60 Years, All Are R/o Vill. Tilanju, Teh. & Police Station Malpura, Distrct Tonk. ----Claimants-Respondents 6. Rajulal S/o Shri Gopi Lal, R/o Vill. Khedulya Khurd, Teh. & Police Station Todaraisingh, District Tonk (Driver of Vehicle) 7. Laxminarayan S/o Shri Ramkishore, R/o Vill. Sedariya, Teh. Newai, Distt. Tonk (Owner of Vehicle) 7A. Mohammad Kaleem S/o Abdul Hakeem, R/o Todaraisingh, Distt. Tonk (Power of Attorney Holder of Vehicle) ----Non-Claimants-Respondents Connected With S.B. Civil Miscellaneous Appeal No. 4079/2016 1. Smt. Manbhar Devi W/o Late Shri Shankarlal, Aged About 30 Years, 2. Laxmi D/o Late Shri Shankarlal, Aged About 8 Years, 3. Chandrashekhar S/o Late Shri Shankarlal, Aged About 6 Years, [2025:RJ-JP:17996] (2 of 8) [CMA-4019/2016] Claimant-Appellants No.2 And 3 Are Being Minor Through Their Natural Guardian And Mother Smt. Manbhar Devi W/o Late Shri Shankarlal, Aged About 30 Years, 4. Chhitarlal S/o Late Shri Shyoji, Aged About 62 Years, 5. Kastoori W/ Shri Chhitar Lal, Aged About 60 Years, All Are R/o Vill. Tilaju, Teh. & Police Station Malpura, Distt. Tonk. ----Appellants Versus 1. Raju Lal S/o Shri Gopi Lal, R/o Vill. Khedulya Khurd, Teh. & Police Station Todaraisingh, Distt. Tonk (Driver of Vehicle) 2. Laxminarayan S/o Shri Ramkishore, R/o Vill. Sewariya, Teh. Newai, District Tonk (Owner of Vehicle) 2A. Mohammad Kaleem S/o Abdul Hakeem, R/o Todaraisingh, District Tonk (Power of Attorney Holder of Vehicle) 3. The Oriental Insurance Company Ltd. Divisional Office, LIC Bhawan, Chhawani Chauraha, Kota (Insurance Company of Vehicle) ----Respondents For Appellant(s) : Mr. Virendra Agrawal, Adv. (for Insurance Company) For Respondent(s) : Mr. Santosh Kumar Tiwari, Adv. Mr. K.N. Tiwari, Adv. for Mr. Prateek Sharma, Adv. HON'BLE MR. JUSTICE ASHUTOSH KUMAR Order 20/03/2025 1- nkokdrkZx.k@vihykFkhZx.k ¼ftUgsa vkxs ^nkokdrkZx.k* ds uke ls lacksf/kr fd;k tk,xk½ dh vksj ls izLrqr vihy la[;k&4079@2016 ,oa jsLiksaMsaV@vihykaV chek dEiuh dh vksj ls izLrqr vihy [2025:RJ-JP:17996] (3 of 8) [CMA-4019/2016] la[;k&4019@2016] nksuksa nhokuh fofo/k vihysa /kkjk&173 eksVj okgu vf/kfu;e&1988 ds vUrxZr U;k;ky; eksVj nq?kZVuk okn U;k;kf/kdj.k] ekyiqjk ¼Vksad½ ¼ftls vkxs ^vf/kdj.k* ds uke ls lacksf/kr fd;k tk,xk½ }kjk Dyse ;kfpdk la[;k&16@2014] Jherh euHkj nsoh o vU; cuke jktw yky o vU; esa ikfjr fu.kZ; fnukad 06-04-2016 ¼ftls vkxs ^vk{ksfir fu.kZ;* ds uke ls lacksf/kr fd;k tk,xk½ ds fo#) izLrqr dh xbZ gSA ftudk fuLrkj.k lqfo/kk dh n`f"V ls bl ,d fu.kZ; ds }kjk fd;k tk jgk gSA 2- nkokdrkZx.k }kjk vf/kdj.k ds le{k] 'kadj yky dh eksVj okgu nq?kZVuk esa e`R;q gks tkus ds QyLo:i 2]52]64]512@& #i;s Dyse izkIr djus gsrq Dyse ;kfpdk izLrqr dh xbZ FkhA vf/kdj.k }kjk mDr Dyse ;kfpdk esa ;kphx.k dks dqy 60]97]048@& #i;s dh {kfriwfrZ jkf'k e; C;kt 7-5 izfr'kr lkykuk dh nj ls fnyokbZ x;h gSA mDr vk{ksfir fu.kZ; ls O;fFkr gksdj nkokdrkZx.k dh vksj ls vihy la[;k&4079@2016 {kfriwfrZ jkf'k esa c<+ksrjh fd;s tkus gsrq rFkk jsLiksaMsaV@vihykaV chek daiuh dh vksj ls izLrqr vihy la[;k&4019@2016 vf/kdj.k ds mDr vk{ksfir fu.kZ; dks fujLr djokus gsrq izLrqr dh x;h gSA 3- vihy la[;k&4079@2016 nkokdrkZx.k euHkj nsoh o vU; dh vksj ls {kfriwfrZ jkf'k esa c<+ksrjh fd;s tkus gsrq izLrqr dh x;h gSA fdUrq cgl ds nkSjku fo}ku vf/koDrk nkokdrkZx.k euHkj nsoh o vU; dh vksj ls O;Dr fd;k x;k fd os mudh vksj ls izLrqr vihy dks izR;kg`r ¼Withdraw½ djuk pkgrs gSaA nkokdrkZx.k euHkj nsoh o vU; dks mDr vihy dks izR;kg`r ¼Withdraw½ djus dh vuqefr nh tkrh gS rFkk izR;kgj.k ¼Withdraw½ ds vk/kkj ij nkokdrkZx.k euHkj nsoh o vU; dh [2025:RJ-JP:17996] (4 of 8) [CMA-4019/2016] vksj ls lafLFkr vihy la[;k&4079@2016 fujLr fd;s tkus ;ksX; gksus ds dkj.k fujLr dh tkrh gSA 4- fo}ku vf/koDrk jsLiksaMsaV@vihykaV chek dEiuh dh vksj ls izLrqr vihy la[;k&4019@2016 ds laca/k esa nkSjkus cgl fo}ku vf/koDrk jsLiksaMsaV@vihykaV chek dEiuh dk rdZ jgk gS fd ekeys dh ?kVuk fnukad 09-01-2014 dh crkbZ x;h gS] tcfd izFke lwpuk fjiksVZ fnukad 15-01-2014 dks foyEc ls ntZ djokbZ x;h gS rFkk iz'uxr okgu dks xyr :i ls ?kVuk esa fyIr fd;k x;k gSA iz'uxr okgu ls dksbZ nq?kZVuk dkfjr ugha gqbZ gSA fo}ku vf/koDrk jsLiksaMasV@vihykaV chek dEiuh dk ;g Hkh rdZ jgk gS fd izFke lwpuk fjiksVZ ntZ gksus ds mijkar vuqla/kku Hkh lgh izdkj ls ugha fd;k x;k gS o xyr :i ls iz'uxr okgu pkyd ds fo#) vkjksi&i= izLrqr fd;k x;k gSA fo}ku vf/koDrk jsLiksaMasV@vihykaV chek dEiuh dk ;g Hkh rdZ jgk gS fd ekeys esa e`rd Lo;a ;ksxnk;h mis{kk dk nks"kh jgk gS] ftlds laca/k esa fo}ku vf/kdj.k us vius vk{ksfir fu.kZ; lE;d :i ls foospu ugha fd;k gSA fo}ku vf/koDrk jsLiksaMasV@vihykaV chek dEiuh dk ;g Hkh rdZ jgk gS fd vkjksi&i= izLrqr djus okys vuqla/kku vf/kdkjh dks Hkh nkokdrkZx.k us vf/kdj.k ds le{k lk{; gsrq izLrqr ugha fd;k gS] ftlls leLr ?kVuk lansgkLin gks tkrh gSA fo}ku vf/koDrk jsLiksaMasV@vihykaV chek dEiuh dk ;g Hkh rdZ jgk gS fd vf/kdj.k }kjk e`rd dh tks vk; fu/kkZfjr dh x;h gS] og e`rd ds osru izek.k&i= ds vk/kkj ij fu/kkZfjr dh x;h gS] fdUrq osru izek.k&i= tkjh djus okys O;fDr dks lk{; esa izLrqr ugha fd;k gSA fo}ku vf/koDrk jsLiksaMasV@vihykaV chek dEiuh dk ;g Hkh rdZ jgk gS fd e`rd ds O;fDrxr [kpZ dh dVkSrh ds en esa Hkh 1@4 Hkkx dh dVkSrh dh x;h gS] [2025:RJ-JP:17996] (5 of 8) [CMA-4019/2016] tcfd e`rd ij vkfJr O;fDr;ksa ds vuqlkj 1@3 Hkkx dh dVkSrh dh tkuh pkfg, FkhA fo}ku vf/koDrk jsLiksaMasV@vihykaV chek dEiuh dk ;g Hkh rdZ jgk gS fd vf/kdj.k }kjk vU; enksa essa Hkh vR;f/kd {kfriwfrZ jkf'k fnyokbZ x;h gSA vr% mijksDr vk/kkjksa ij jsLiksaMsaV@vihykaV chek dEiuh dh vksj ls izLrqr vihy la[;k&4019@2016 Lohdkj dh tkdj vf/kdj.k ds vk{ksfir fu.kZ; dks vikLr fd;s tkus dh izkFkZuk dh x;hA 5- nksuksa i{kksa dh cgl lquh x;hA vihy i=kofy;ksa dk voyksdu fd;k x;kA 6- tgka rd jsLiksaMsaV@vihykaV chek dEiuh dh vksj ls izFke lwpuk fjiksVZ nsjh ls ntZ djok;s tkus dh vkifŸk yh x;h gS rks bl laca/k esa gekjk ekuuk ;g gS fd ekeys dh ?kVuk fnukad 09-01-2014 dks ?kfVr gqbZ gSA nq?kZVuk ds ckn e`rd dks ?kk;y voLFkk esa vLirky esa HkrhZ djok;k x;k] tgka fnukad 11-01-2014 dks mldh e`R;q gks x;hA ekeys esa tks lk{; nkokdrkZx.k dh vksj ls izLrqr dh x;h gS] mlds vuqlkj izFke lwpuk fjiksVZ rh;s dh cSBd ds ckn ntZ djokbZ x;h gSA bl izdkj ;g U;k;ky; fnukad 09-01-2014 dks gqbZ nq?kZVuk ds laca/k esa fnukad 15-01-2014 ntZ djokbZ x;h fjiksVZ dks fdlh izdkj ls foyEc ls ntZ gksuk ugha ekurs gSaA vr% bl laca/k esa fo}ku vf/koDrk jsLiksaMsaV@vihykaV chek dEiuh dh vksj ls yh x;h vkifŸk vLohdkj dj [kkfjt dh tkrh gSA 7- tgka rd iz'uxr okgu pkyd ds f[kykQ xyr :i ls vfHk;ksx&i= izLrqr fd;s tkus dk iz'u gS rks bl laca/k esa ekeys dh ?kVuk dks p'enhn xokg ,-MCY;w&2 ckyÑ".k o ,-MCY;w&3 jktho us vf/kdj.k ds le{k viuh lk{; ls izekf.kr fd;k gS o mudh lk{; ls ,slh dksbZ ckr ugha vk;h gS tks ekeys dks lansgkLin cukrh gksA ;gka ;g Hkh mYys[kuh; gS [2025:RJ-JP:17996] (6 of 8) [CMA-4019/2016] fd vf/kdj.k us vius fu.kZ; esa ;g ekuk gS fd vihykaV chek dEiuh dh vksj ls tks tkap fjiksVZ izn'kZ ,&2 vf/kdj.k ds le{k izLrqr dh x;h gS] mlesa Hkh ;g rF; vk;k gS fd iz'uxr okgu pkyd us iz'uxr okgu dks pyk;k Fkk] ftlls e`rd dh eksVjlkbZfdy ds VDdj yxh Fkh] mldk dkj.k lM+d ij xïs gksuk FkkA ,slh fLFkfr esa lk{; dh ckgqY;rk ds vk/kkj ij ge ;g ikrs gSa fd nkokdrkZx.k dh vksj ls tks lk{; izLrqr dh x;h gS] mlls ekeys dh ?kVuk izekf.kr gqbZ gS rFkk vihykaV chek dEiuh dh vksj ls fy;k x;k rdZ fd ekeys esa iz'uxr okgu pkyd dks xyr :i ls fyIr fd;k x;k gS] ekus tkus ;ksX; ugha gSA vr% jsLiksaMsaV@vihykaV dh vksj ls mBkbZ x;h ;g vkifŸk Hkh vLohdkj dj [kkfjt dh tkrh gSA 8- tgka rd jsLiksaMsaV@vihykaV chek dEiuh dh vksj ls e`rd ds O;fDrxr [kpZ dh dVkSrh ds laca/k esa mBkbZ x;h vkifŸk dk iz'u gS rks bl laca/k esa i=koyh ds voyksdu ls izdV gksrk gS fd nkokdrkZ la[;k&1 e`rd dh iRuh gS] nkokdrkZ la[;k&2 o 3 e`rd ds iq= o iq=h gSa rFkk nkokdrkZ la[;k&4 o 5 e`rd ds ekrk&firk gSaA bl izdkj oDr ?kVuk e`rd ij dqy ikap vkfJr FksA e`rd ij vkfJrksa dh la[;k dks n`f"Vxr j[krs gq, vf/kdj.k }kjk e`rd ds O;fDrxr [kpZ dh dVkSrh ds en esa 1@4 Hkkx dh dVkSrh dh x;h gS tks mfpr izrhr gksrh gSA ftlesa gLr{ksi fd;s tkus dk dksbZ vk/kkj ekStwn ugha gSA vr% jsLiksaMsaV@vihykaV chek dEiuh dh vksj ls yh x;h mDr vkifŸk Hkh vLohdkj dj [kkfjt dh tkrh gSA 9- tgka rd jsLiksaMsaV@vihykaV chek dEiuh dh vksj ls yh x;h ;g vkifŸk fd nkokdrkZx.k dks vU; enksa esa vR;f/kd {kfriwfrZ jkf'k fnyokbZ x;h gS rks bl laca/k esa ns[kk tk, rks vf/kdj.k us e`rd dh iRuh] nkokdrkZ [2025:RJ-JP:17996] (7 of 8) [CMA-4019/2016] la[;k&1 dks dalksfVZ;e dh en esa 1]00]000@& #i;s] e`rd ds cPpksa] nkokdrkZ la[;k&2 o 3 dks dalksfVZ;e dh en esa 50]000@& #i;s rFkk vafre laLdkj dh en esa 25]000@& #i;s dh jkf'k nkokdrkZx.k dks fnyokbZ x;h gSA izFke n`"V;k ns[kus ls izrhr gksrk gS fd vf/kdj.k us e`rd dh iRuh dks 1]00]000@& #i;s dh jkf'k dalksfVZ;e dh en esa fnyok nh gS] fdUrq vf/kdj.k }kjk e`rd ds ekrk&firk] nkokdrkZ la[;k&4 o 5 dks dalksfVZ;e dh en esa dksbZ jkf'k ugha fnyokbZ x;h gSA tcfd us'kuy ba';ksjsal dEiuh fyfeVsM cuke iz.k; lsBh o vU;] fjiksVsZM bu ¼2017½ 16 ,l-lh-lh- 680 ds ekeys esa izfrikfnr fl)kUr ds vuqlkj e`rd ij vkfJr izR;sd O;fDr dks 40]000@& #i;s dalksfVZ;e dh en esa fnyok;s tkus dk fl)kUr izfrikfnr fd;k x;k gSA blh izdkj iz.k; lsBh ¼mijksDr½ ds ekeys esa vafre laLdkj dh en esa 15]000@& #i;s dh jkf'k rFkk lEink dh gkfu ds en esa Hkh 15]000@& #i;s dh jkf'k fnyok;s tkus dk fl)kUr izfrikfnr fd;k x;k gSA lkFk gh iz.k; lsBh ¼mijksDr½ ds ekeys esa ;g fl)kUr Hkh izfrikfnr fd;k x;k gS fd e`rd ij vkfJr O;fDr;ksa dks dalksfVZ;e dh en esa nh tkus okyh jkf'k esa rFkk vafre laLdkj o lEink dh gkfu ds en esa nh tkuh okyh jkf'k esa izR;sd rhu o"kZ esa 10 izfr'kr dh c<+ksrjh fd;k tkuk visf{kr gSA ;fn ekuuh; loksZPp U;k;ky; }kjk ikfjr U;kf;d n`"Vkar iz.k; lsBh ¼mijksDr½ ds ekeys esa izfrikfnr fl)kUr ij fopkj djrs gq, izR;sd vkfJr dks dalksfVZ;e dh en esa jkf'k fnyok;h tkrh gS rFkk lEink dh gkfu ds en esa jkf'k fnyokbZ tkrh gS rks fuf'pr gh {kfriwfrZ jkf'k esa c<+ksrjh gksxhA ,slh fLFkfr esa vf/kdj.k }kjk nkokdrkZx.k dks tks {kfriwfrZ jkf'k fnyokbZ xbZ gS] og mfpr izrhr gksrh gSA nkokdrkZx.k dks fnyokbZ xbZ {kfriwfrZ jkf'k dks ge fdlh [2025:RJ-JP:17996] (8 of 8) [CMA-4019/2016] izdkj ls vf/kd gksuk ugha ikrs gSaA bl izdkj fo}ku vf/koDrk jsLiksaMsaV@vihykaV chek dEiuh dh vksj ls yh x;h mDr vkifŸk Hkh vLohdkj dj [kkfjt dh tkrh gSA 10- vr% mijksDr lexz foospu vuqlkj jsLiksaMsaV@vihykaV chek dEiuh dh vksj ls izLrqr vihy la[;k&4019@2016 esa mBkbZ vkifŸk;ka Lohdkj fd;s tkus ;ksX; ugha gksus ls mDr vihy cyghu o lkjghu gksus ds dkj.k vLohdkj dj [kkfjt dh tkrh gS rFkk fo}ku vf/kdj.k }kjk ikfjr fu.kZ; fnukad 06-04-2016 dh iqf"V dh tkrh gSA 11- nkokdrkZx.k euHkj nsoh o vU; dh vksj ls izLrqr vihy la[;k&4079@2016] izR;kg`r ¼Withdraw½ fd;s tkus ds vk/kkj ij fujLr dh tkrh gSA 12- bl U;k;ky; ds LFkxu vkns'k fnuakd 28-07-2016 ds vuqlkj chek dEiuh dks vkns'k fn;k x;k Fkk fd og vf/kdj.k }kjk vknsf'kr lEiw.kZ jkf'k fo}ku vf/kdj.k ds le{k tek djokdj] tek djokbZ xbZ lEiw.kZ jkf'k esa ls 25 izfr'kr jkf'k dk forj.k izR;FkhZ&DysesaV~l dks fd;k tk, rFkk 'ks"k 75 izfr'kr jkf'k jk"Vªh;Ñr cSad esa ,Q-Mh-vkj- ds :i esa tek j[kh tkosA pawfd bl U;k;ky; }kjk chek dEiuh dh vihy dks vLohdkj dj [kkfjt fd;k x;k gSA ,slh fLFkfr esa vf/kdj.k ds le{k tks 75 izfr'kr {kfriwfrZ jkf'k ,Q-Mh-vkj- ds :i esa tek gS] mldk Hkqxrku fu;ekuqlkj nkokdrkZx.k dks dj fn;k tkosA 13- rn~uqlkj mijksDr vihysa fujLr dh tkrh gSA 14- lHkh yfEcr izkFkZuk&i=ksa dks Hkh mijksDrkuqlkj fuLrkfjr fd;k tkrk gSA (ASHUTOSH KUMAR),J LOKESH RAJ /97-98