[2025:RJ-JP:9232] HIGH COURT OF JUDICATURE FOR RAJASTHAN BENCH AT JAIPUR S.B. Civil Miscellaneous Appeal No. 400/2016 1. Angoori Devi wife of Late Surjan Singh aged 67 years resident of Bilouli Ponkh Pilod Tehsil Chirawa District Jhunjhunu, (Raj.) 2. Prithvi Singh son of Late Surjan Singh aged 49 years. 3. Ranjit Singh son of Late Surjan Singh aged 44 years. 4. Dalip Singh son of Late Surjan Singh aged 40 years. All residents of Bijouli Tehsil Chirawa District Jhunjhunu, (Raj.) ----Claimants/Appellants Versus 1. Rakesh Kumar Urf Bali son of Dalip Singh aged 35 years resident of Nayabas Police Station Sayla District Rohtak. At present resident of 762/5 Mahaveer Park Bahadurgarh (Haryana) (Driver of Vehicle Swift Car No. H.R. J.13F2608) 2. Harpal Singh son of Sultan Singh resident of Dahkora Tehsil Bahadurgarh (Haryana) (Registered owner of Vehicle Swift Car No. H.R. J.13F2608) 3, The National Insurance Company Limited, Division No. 10 Flat No. 101-106 N-01 V.M.C. House Manot Place New Delhi through Branch Manager Branch Office Above S.B.I. Bank Shaho Ka Kuan Jhunjhunu Raj.) (Insurance Company of Vehicle Swift Car No. H.R. J.13F2608) ----Non-Claimants/Respondents [2025:RJ-JP:9232] (2 of 6) [CMA-400/2016] For Appellant(s) : Mr. Vijayant Nirwan, Adv. For Respondent(s) : Mr. Ravindra Kumar Tomar, Adv. HON'BLE MR. JUSTICE UMA SHANKER VYAS Judgment / Order 03/03/2025 vihykFkhZx.k@nkosnkj }kjk ;g vihy varxZr /kkjk 173 eksVj;ku vf/kfu;e ds rgr fo}ku eksVj nq?kZVuk nkok vf/kdj.k] >qa>quwa }kjk eksVj nq?kZVuk nkok la[;k&346@2011 esa ikfjr fu.kZ; ,oa vokMZ fnukad 29-07-2015 ls O;fFkr gksdj izLrqr dh x;h gS] ftlds ek/;e ls vihykFkhZx.k ds firk@ifr e`rd lqjtu flag dh vkjksfir okgu ls nq?kZVuk esa e`R;q gks tkus ls v/khuLFk vf/kdj.k }kjk lHkh enksa esa dqy 2]10]000@&:i;s izfrdj jkf'k fnyk;s tkus dk vokMZ 7 izfr'kr C;kt lfgr ikfjr fd;k x;k gS] ftls vi;kZIr gksuk crkrs gq, izfrdj jkf'k c<k;s tkus dk fuosnu bl vihy ds ek/;e ls fd;k x;k gSA vk{ksfir fu.kZ; o vokMZ ds fo:) vkjksfir okgu ds Lokeh@pkyd vFkok chek daiuh }kjk dksbZ vihy izLrqr ugha dh x;h gSA nkosnkjksa dh vksj ls ;g vihy izfrdj jkf'k esa c<+ksrjh gsrq izLrqr dh xbZ gSA vkjksfir okgu ls nkosnkjksa ds ifr@firk lqjtu flag dh nq?kZVuk esa e`R;q gksuk rFkk mlesa vkjksfir okgu ds pkyd dh ykijokgh gksuk o ;g okgu izR;FkhZ la[;k&3 chek daiuh ds ;gka chfer gksuk fooknjfgr gSA [2025:RJ-JP:9232] (3 of 6) [CMA-400/2016] fo}ku vf/koDrk vihykFkhZx.k }kjk fuosnu fd;k x;k fd lHkh enksa esa tks izfrdj jkf'k fo}ku vf/kdj.k }kjk fnykbZ xbZ gS] og vi;kZIr gS tcfd fo}ku vf/koDrk izR;FkhZ la[;k 3 chek daiuh }kjk v/khuLFk vf/kdj.k ds fu.kZ; o vokMZ dks fof/klEer gksuk crkrs gq, vihy [kkfjt fd;s tkus dk fuosnu fd;kA nksuksa i{kksa ds rdksZa ds lanHkZ esa vfHkys[k dk voyksdu fd;kA nq?kZVuk ds le; e`rd dk 75 ls 80 o"kZ dh chp dh vk;q dk gksuk izekf.kr gqvk gSA e`rd dh iRuh ,MCY;w&1 vaxwjh nsoh }kjk ;g dFku fd;k x;k gS fd mlds ifr lsuk esa dk;Zjr Fks vkSj mUgsa lsokfuo`fRr ds mijkar isa'ku izkIr gks jgh FkhA lsokfuo`fRr ds nLrkost vFkok vly cSad iklcqd izLrqr ugha gksus ds vk/kkj ij mijksDr vk; dks fopkj.k U;k;ky; }kjk izekf.kr ugha ekuk gS] ysfdu cSad iklcqd dh QksVk izfr izn'kZ&18 izLrqr gqbZ gS] ftlesa fnukad 30-06-2011 dks e`rd dh isa'ku 9]252@&:i;s tek gqbZ gS] mlls iwoZ izR;sd ekg fu;fer varjky ls ;g isa'ku tek gks jgh gS] vr% ,slh fLFkfr esa miyC/k lk{; ds vk/kkj ij ;g izekf.kr gS fd e`rd lsuk dk lsokfuo`Rr deZpkjh Fkk vkSj rRle; og 9]252@&:i;s ekfld isa'ku izkIr dj jgk FkkA e`rd dh iRuh ,MCY;w&1 }kjk ;g Hkh dFku fd;k x;k gS fd e`rd dh e`R;q ds mijkar mls ikfjokfjd isa'ku 8]000@&:i;s ekfld fey jgh gS ftldks lek;ksftr fd;s tkus dk fuosnu izR;FkhZ chek daiuh dk jgk gS] ijarq ;g ikfjokfjd isa'ku vihykFkhZ la[;k 1 dks vius ifr dh e`R;q ds [2025:RJ-JP:9232] (4 of 6) [CMA-400/2016] mijkar O;fDrxr gSfl;r ls izkIr gqbZ gS vkSj mls e`rd dh isa'ku vk; esa esa lek;ksftr fd;k tkuk mfpr ugha gSA e`rd } kjk lsokfuo`fRr ds mijkar vU; LFkkuksa ij Hkh dk;Z djus] [ksrh djus vkfn ds laca/k esa dFku fd;s gSa] ysfdu bl laca/k esa dksbZ Bksl lk{; ugha vkbZ gSA laiw.kZ ifjfLFkfr;ksa dks ns[krs gq, e`rd dh 9]252@&:i;s ekfld vk; izekf.kr gqbZ gSA e`rd dh vk; oxZ ds vuqlkj 5 dk xq.kd yxsxkA e`rd ds rhu iq= o;Ld gksdj vius&vius dk;Z esa fu;ksftr gSa] vr% mUgsa e`rd ij vkfJr gksuk ugha ekuk tk ldrkA nq?kZVuk ds le; e`rd dh iRuh ,dek= vkfJr Fkh] vr% e`rd ds thfor jgus ij gksus okys [kpZ ds :i esa 50 izfr'kr dVkSrh dh tkuk mfpr gSA mijksDrkuqlkj vk; gkfu dh en esa x.kuk dh tkos rks ;g jkf'k 9252X12X5X1/2=2,77,560@&:i;s laxf.kr gksrh gS] tcfd fo}ku vf/kdj.k }kjk 1]20]000@&:i;s gh bl en esa izfrdj ds :i esa fnyk;s x;s gSa] vr% bl en esa 1,57,560@&:i;s c<ksrjh ;ksX; gSA vihykFkhZx.k e`rd ds iq= o iRuh gS] vr% os lHkh e`rd dh izse&Lusg] lgpk;Z vkfn ls oafpr gksus ds en esa ekuuh; loksZPp U;k;ky; ds U;kf;d n`"Vkar Magma General Insurance Co. Ltd. Vs. Nanuram & Ors. Ltd. Vs. Nanuram & Ors. (2018) 18 SCC 130 esa ikfjr fl)kar ds vuqlkj izR;sd nkosnkj 40]000@&:i;s vFkkZr dqy 1]60]000@&:i;s dalksVhZ;e ds uqdlkuh ds :i esa izkIr djus ds vf/kdkjh gS tcfd bl en esa v/khuLFk vf/kdj.k }kjk dqy 70]000@&:i;s fnyk;s gS] vr% 90]000@&:i;s bl en esa c<ksRrjh gksus ;ksX; gSA [2025:RJ-JP:9232] (5 of 6) [CMA-400/2016] blh izdkj lEink dh gkfu o vafre laLdkj ds en esa la;qDr :i ls dqy 20]000@&:i;s dh jkf'k fnykbZ x;h gS] tcfd bu nksuksa enksa esa i`Fkd i`Fkd 15]000&15]000@&:i;s vFkkZr dqy 30]000@&:i;s dh jkf'k izfrdj ds :i esa nkosnkj izkIr djus ds vf/kdkjh gSA vr% 10]000@&:i;s bl en esa c<ksRrjh gksus ;ksX; gSA mijksDr foospukuqlkj vihykFkhZx.k fuEukuqlkj vokMZ jkf'k izkIr djus dk vf/kdkjh gS%& Ø- la- en fo}ku vf/kdj.k }kjk fnykbZ xb jkf'k bl U;k;ky; }kjk fnykbZ xbZ jkf'k c<+ksrjh@ varj jkf'k 1- vk; dh {kfr ds en esa 9252x12x5x1/2 1]20]000 2,77,560 1,57,560 2- dalksfVZ;e 70]000 1]60]000 90]000 3- vafre laLdkj o laink dh gkfu gsrq 20]000 30]000 10]000 ;ksx 2]10]000 2,57,560 mijksDr foospukuqlkj tks v/khuLFk vf/kdj.k }kjk tks 2]10]000@&:i;s dk vokMZ ikfjr fd;k x;k gS mlds LFkku ij nkosnkj@vihykFkhZx.k 4]67]560@&:i;s izkIr djus ds vf/kdkjh gSA bl izdkj vihykFkhZx.k mijksDr lHkh enksa esa 2]57]560@&:i;s vfrfjDr izfrdj jkf'k izkIr djus ds vf/kdkjh gSA [2025:RJ-JP:9232] (6 of 6) [CMA-400/2016] rn~uqlkj ;g vihy vkaf'kd :i ls Lohdkj dh tkdj vk{ksfir vokMZ dks mikUrfjr djrs gq, nkosnkj@vihykFkhZx.k ds i{k esa dqy 4]67]560@&:i;s dk vokMZ ikfjr fd;k tkrk gSA vihykFkhZXk.k }kjk iwoZ esa izkIr dh x;h jkf'k dks vokMZ jkf'k esa ls lek;ksftr fd;k tkdj 'ks"k jkf'k vihykFkhZx.k izkIr djus ds vf/kdkjh ik;s tkrs gSaA bl vkns'k ds ek/;e ls tks izfrdj jkf'k c<k;h x;h gS] ml ij Hkh vihykFkhZ] v/khuLFk vf/kdj.k esa ;kfpdk lafLFkr fd;s tkus dh fnukad ls olwyh rd 06 izfr'kr lk/kkj.k okf"kZd C;kt dh nj ls C;kt izkIr djus dk vf/kdkjh gksxk] vk{ksfir vokMZ dh 'ks"k 'krsZa ;Fkkor jgsaxhA v/khuLFk vf/kdj.k dk vfHkys[k ;fn bl U;k;ky; dks izkIr gks j[kk gS rks vkns'k dh izfr ds lkFk ykSVk;k tkosA (UMA SHANKER VYAS),J Murari Lal Sharma /80