[2025:RJ-JP:31425] HIGH COURT OF JUDICATURE FOR RAJASTHAN BENCH AT JAIPUR S.B. Civil Miscellaneous Appeal No. 6452/2017 United India Insurance Company Ltd., Service Through Branch Manager, United India Insurance Company, Branch Office Dhoolkot Road, Dholpur, Tehsil And Distt. Dholpur Raj. Insurance Company Of Vehicle Bolero No. Rj 11-Ua-0382 ----Appellant Versus 1. Pushpa Devi W/o Late Shri Mukesh Kumar, Aged about 34 Years, R/o Village Pavesur, Tehsil Bari, Distt. Dholpur Raj. 2. Ku. Bharti, Aged about 10 Years, D/o Late Sh. Mukesh Kumar And Minor Through Natural Guardian Mother Smt. Pushpa Devi W/o Late Shri Mukesh Kumar, R/o Village Pavesur, Tehsil Bari, Distt. Dholpur Raj. 3. Ku. Swarthi, Aged about 8 Years, D/o Late Sh. Mukesh Kumar And Minor Through Natural Guardian Mother Smt. Pushpa Devi W/o Late Shri Mukesh Kumar, R/o Village Pavesur, Tehsil Bari, Distt. Dholpur Raj. 4. Prince, Aged about 6 Years, S/o Late Sh. Mukesh Kumar And Minor Through Natural Guardian Mother Smt. Pushpa Devi W/o W/o Late Shri Mukesh Kumar, R/o Village Pavesur, Tehsil Bari, Distt. Dholpur Raj. 5. Ku. Sakshi, Aged about 3 Years, D/o Late Sh. Mukesh Kumar And Minor Through Natural Guardian Mother Smt. Pushpa Devi W/o Late Shri Mukesh Kumar, R/o Village Pavesur, Tehsil Bari, Distt. Dholpur Raj. 6. Durgesh S/o Shri Banwarilal, Aged about 26 Years, R/o Village Pavesur, Tehsil Bari, Distt. Dholpur Raj. 7. Ramkhiladi S/o Sh. Punnaram, R/o Village Baravat, P.S. Mania, Distt. Dholpur Raj. (Owner Of Vehicle Bolero No. Rj 11-Ua-0382) ----Respondents Connected With S.B. Civil Miscellaneous Appeal No. 6820/2017 1. Smt. Pushpa Devi W/o Late Shri Mukesh Kumr, aged about 37 Years, R/o Village Pavesur, Tehsil Bari, Distt. Dholpur Rajasthan [2025:RJ-JP:31425] (2 of 7) [CMA-6452/2017] 2. Kumari Bharti D/o Late Shri Mukesh Kumr, aged about 13 Years, Minor Through Their Natural Guardian Their Mother Smt. Pus, R/o Village Pavesur, Tehsil Bari, Distt. Dholpur Rajasthan 3. Kumari Swarthi D/o Late Shri Mukesh Kumr, aged about 11 Years, Minor Through Their Natural Guardian Their Mother Smt. Pu, R/o Village Pavesur, Tehsil Bari, Distt. Dholpur Rajasthan 4. Prince D/o Late Shri Mukesh Kumr, aged about 9 Years, Minor Through Their Natural Guardian Their Mother Smt. Pushpa Dev, R/o Village Pavesur, Tehsil Bari, Distt. Dholpur Rajasthan 5. Kumari Sakshi D/o Late Shri Mukesh Kumr, aged about 5 Years, Minor Through Their Natural Guardian Their Mother Smt. Pus, R/o Village Pavesur, Tehsil Bari, Distt. Dholpur Rajasthan ----Appellants Versus 1. United India Insurance Company Limited Through Its Branch Manager, Having Its Branch Office At Dhoolkot Road, Dholpur. Insurance Company 2. Ramkhiladi S/o Shri Punna Ram, R/o Village Barawat, Police Station, Maniya, Distt. Dholpur Owner 3. Durgesh S/o Shri Banwari Lal, R/o Village Pavesur, Tehsil Bari, Distt. Dholpur Rajasthan ----Respondents For Appellant(s) : Mr. V P Mathur Mr. D K Garg For Respondent(s) : Mr. Mohit Singhal for Mr. Jai Prakash Gupta Mr. Dinesh Kumar Garg HON'BLE MR. JUSTICE CHANDRA PRAKASH SHRIMALI Order 12/08/2025 ;wukbZVsM bafM;k ba';ksjsal daiuh fyfeVsM dh vksj ls ,dyihB flfoy fofo/k vihy la[;k 6452@2017 o Jherh iq"ik nsoh vkSj vU; dh vksj ls [2025:RJ-JP:31425] (3 of 7) [CMA-6452/2017] ,dyihB flfoy fofo/k vihy la[;k 6820@2017 fo}ku eksVj nq?kZVuk nkok vf/kdj.k] /kkSyiqj }kjk ,e,lh la[;k 499@2015 ¼245@2012½ esa ikfjr fu.kZ; fnukad 26-10-2017 ls O;fFkr gksdj i`Fkd&i`Fkd :i ls izLrqr dh gSA fo}ku vf/kdj.k }kjk ikfjr fu.kZ; fnukad 26-10-2017 esa fo}ku vf/kdj.k us izkFkhZx.k dk izkFkZuk i= vizkFkhZx.k ds fo#) Lohdkj fd;k tkdj e`rd eqds'k ckcr 10]25]000@& #i, o vkgr nqxsZ'k ckcr 5]000@& #i, iapkV tkjh dj mDr jkf'k ij Dyse izkFkZuk i= izLrqr djus dh fnukad ls olwyh rd 7 izfr'kr okf"kZd nj ls C;kt fnyk, tkus dk vkns'k fn;k gSA mDr nksuksa vihyksa ij mHk;i{k ds fo}ku vfHkHkk"kdx.k dks lquk x;k o i=koyh dk voyksdu fd;k x;kA ;wukbZVsM bafM;k ba';ksjsal daiuh fyfeVsM ds fo}ku vfHkHkk"kd dk cgl ds nkSjku ;g rdZ jgk gS fd i=koyh esas iznf'kZr uD'kk&ekSdk lk{khx.k ds c;ku o xokg ihMCY;w 2 ds c;ku ds vk/kkj ij ;g Li"V gS fd nq?kZVuk dkfjr djus esa e`rd dh xyrh o ykijokgh jgh gS] mlds ckotwn fo}ku vf/kdj.k us fook|d la[;k 1 ls 3 dks foosfpr djrs le; bl ij fopkj ugha dj vkyksP; fu.kZ; ikfjr fd;k gSA izdj.k esa e`rd dh 4]000@& #i, ekfld vk; ekudj mldh 36 o"khZ; vk;q ekurs gq, fo}ku vf/kdj.k us 15 ds xq.kd dk iz;ksx xyr :i ls fd;k gS rFkk e`rd e`R;q ds le; yfuZax Mªkbfoax ykbZlsal j[krk Fkk] LFkk;h izd`fr dk MªkbZfoax ykbZlsal ugha FkkA ,slh fLFkfr essa mls dq'ky Jfed ugha ekudj vdq'ky Jfed ekuk tk ldrk gS vkSj vxLr] 2012 dh ?kVuk ds vk/kkj ij ml le; dh izpfyr etnwjh nj ds vk/kkj ij vdq'ky Jfed dks feyus okys jkf'k ds vk/kkj ij vk; dk fu/kkZj.k fd;k tkuk pkfg,] blds vfrfjDr Hkfo"; esa vk; o`f) 50 izfr'kr dh nj ls x.kuk dh gS] tks National Insurance Co. Vs Pranay Sethi ds ekuuh; mPpre U;k;ky; ds fofu'p; esa vfHkfu/kkZfjr fl)kar ds fo#) gS] blds vfrfjDr vU; en esa tks jkf'k fo}ku vf/kdj.k us fnykbZ gS og Hkh vf/kd fnyokbZ gSA ,slh fLFkfr esa chek [2025:RJ-JP:31425] (4 of 7) [CMA-6452/2017] daiuh dh vihy Lohdkj dh tkos vkSj izR;FkhZx.k dh vihy fujLr dh tkosA vihy la[;k 6452@2017 ds izR;FkhZx.k rFkk vihy la[;k 6820@2017 esa vihykFkhZx.k ds fo}ku vfHkHkk"kd dk cgl ds nkSjku ;g rdZ jgk gS fd fo}ku vf/kdj.k us fu.kZ; o fMØh fnukad 26-10-2017 ikfjr dj tks {kfriwfrZ jkf'k fnykbZ gS] og fof/kd izko/kkuksa ds vuqlkj de fnykbZ gSA e`rd nq?kZVuk ds le; Mªkboj Fkk rFkk Vªd okgu pykdj 7]000@& #i, izfrekg vk; vftZr djrk Fkk] mlds ckotwn vf/kdj.k us 4]000@& #i, izfrekg fnyk, gSaA e``rd dq'ky Jfed Fkk] yfuZax Mªkbfoax ykbZlsal gksus ds vk/kkj ij ;g ugha ekuk tk ldrk gS fd okgu pkyd dh ;ksX;rk o {kerk ugha j[krk gksA laink dh gkfu ds en esa o vU; en esa fo}ku fopkj.k U;k;ky; us dksbZ jkf'k ugha fnykbZ gS o C;kt Hkh vR;ar de fnyok;k gS] vr% vihykFkhZx.k dh vihy Lohdkj dh tkdj chek daiuh dh vihy dks vLohdkj dj [kkfjt fd;k tkosA eSaus mHk;i{kksa ds rdksZa ij euu fd;k rFkk i=koyh dk voyksdu fd;kA i=koyh ds voyksdu ls ;g Li"V gksrk gS fd nq?kZVuk esa varoZfyr okgu dk nq?kZVuk dh fnukad dks chek Fkk vkSj nq?kZVuk esa varoZfyr cksysjks eksVj okgu pykus ds fy, pkyd jkeohj ds ikl oS/k o izHkkoh vuqKk i= FkkA bl izdj.k esa fnukad 23-08-2012 dks e`rd eqds'k dqekj vkgr nqxsZ'k eksVjlkbfdy ls tk jgs Fks lSaim jksM+ ij cksyksjks ds pkyd us rst xfr o ykijokgh ls pykdj VDdj ekj nh] ftlls eqds'k dqekj dh ?kVukLFky ij e`R;q gks xbZA vkgr nqxsZ'k xaHkhj :i ls ?kk;y gqvkA bl izdj.k esa cjoDr ?kVuk e`rd eqds'k 25 o"kZ dk Fkk] bl laca/k esa nksuksa i{kksa esa dksbZ fookn ugha gSA tgka rd cjoDr nq?kZVuk e`rd eqds'k dh vk; dk iz'u gS e`rd eqds'k MªkbZfoax etnwjh djds 7]000@& #i, izfrekg vk; dk vtZu djrk gks] bl laca/k esa mlds }kjk dksbZ nLrkosth lk{; izLrqr ugha dh xbZ gSA [2025:RJ-JP:31425] (5 of 7) [CMA-6452/2017] ,slh fLFkfr esa ;g Li"V ugha gksrk gS fd cjoDr nq?kZVuk e`rd eqds'k 7]000@& #i, izfrekg vk; dk vtZu djrk gksA fo}ku fopkj.k U;k;ky; us e`rd eqds'k dh vuqekfur vk; 4]000@& #i, izfrekg fu/kkZfjr dh gSA e`rd dh vuqekfur vk; 4]000@& #i, fu/kkZfjr fd, tkus ds dksbZ Bksl o larks"ktud dkj.k fo}ku vf/kdj.k us vius vkyksP; fu.kZ; esa ugha crk;k gSA i=koyh ds voyksdu ls ;g Li"V gS fd e``rd eqds'k cjoDr nq?kZVuk okgu pykus dk yfuZax ykbZlsal j[krk FkkA ,slh fLFkfr esa ;g Li"V gS fd e`rd cjoDr nq?kZVuk okgu pkyd FkkA LFkk;h ykbZlsal ugha gksus ek= ls ;g ugha ekuk ldrk gS fd e``rd eqds'k cjoDr nq?kZVuk okgu dks pykus ds fy, l{ke ugha gSA ,slh fLFkfr esa okgu pkyd ds leFkZrk o l{kerk dks n`f"Vxr j[krs gq, e`rd dks cjoDr nq?kZVuk dq'ky Jfed ekuk tk ldrk gSA nq?kZVuk 23-08-2012 dks ?kfVr gqbZ FkhA uksfVfQds'ku fnukad 06-08-2012 ds vuqlkj dq'ky Jfed dh izfrekg vk; 5]010@& #i, FkhA ,slh fLFkfr esa e`rd dh vk; 5]010@& #i, izfrekg fu/kkZfjr dh tkrh gSA fo}ku fopkj.k U;k;ky; us e`rd dh vk; esa 50 izfr'kr dh o`f) gksuk laHko crk;k gSA National Insurance Co. Vs Pranay Sethi & ors., (2017) 16 SCC 680, Sarla Verma Vs DTC, (2009) 6 SCC 121 ds fofu'p; esa ekuuh; mPpre U;k;ky; }kjk vfHkfu/kkZfjr fl)kar dks n`f"Vxr j[krs gq,] pwafd e`rd lqfu;ksftr Lojkstxkj djus okyk O;fDr Fkk o mldh vk;q 35 o"kZ dh gksuk n`f"Vxr j[krs gq, mldh vk; esa 40 izfr'kr dh o`f) gksuk ekuk tk ldrk gS] vr% e`rd dh 5]010 #i, ekfld vk; ekurs gq, ml ij 40 izfr'kr dh nj ls vk; esa o`f) dk ykHk 2]004@& #i, tksM+rs gq, dqy vk; 7]014@& #i, izfrekg ekuh tk ldrh gSA e`rd dh vk;q 35 o"kZ gksuk ekurs gq, 31 ls 35 o"kZ dh vk;q ds vk/kkj ij 16 dk xq.kd yxk;k tkuk U;k;ksfpr izrhr gksrk gSA e`rd eqds'k ij 5 O;fDr vkfJr Fks] ,slh fLFkfr esa vkfJrksa dh la[;k 4 ls 6 gksus ds vk/kkj ij 1@4 Hkkx e`rd dh vk; esa de fd;k tkuk U;k;ksfpr izrhr [2025:RJ-JP:31425] (6 of 7) [CMA-6452/2017] gksrk gSA bl izdkj 1@4 jkf'k de djus ij 5]260@& #i, vk; e`rd dh gksrh gSA rn~uqlkj vk; gkfu dh x.kuk dh tkos rks ;g jkf'k 5,260x12x16=10,09,920@& :i;s laxf.kr gksrh gS] tcfd vf/kdj.k }kjk bl en esa dsoy 8]10]000@& :i;s fnyk;s gSaA vr% vk; gkfu ds en esa 1]99]920@& :i;s c<+ksrjh ;ksX; gSaA e`rd eqds'k dh iRuh iq"ik nsoh dks fo}ku vf/kdj.k us nkaiR; lq[k ls oafpr gksus ds vk/kkj ij 1]00]000@& #i, o mlds iq=&iq=h izkFkhZ la[;k&2 ls 5 esa ls izR;sd dks 25]000@& #i, fnyok, gSaA Magma General Insurance Co. Ltd. Vs. Nanuram & Ors. Ltd. Vs. Nanuram & Ors. ¼mijksDr½ fofu'p; esa vfHkfu/kkZfjr fl)kar ds vuqlkj dalksfVZ;e gkfu ds en esa e`rd eqds'k ds izR;sd vkfJr o fof/kd izfrfuf/k dks 40&40@& gtkj #i, bl izdkj 5 vkfJrksa dks 2]00]000@& #i,] nkg laLdkj dh en esa 15]000@& #i,] rFkk laink dh gkfu ds en esa 15]000@& #i, fnyk;k tkuk] bl izdkj mDr enksa esa dqy 2]30]000@& #i, fnyk, tkuk U;k;laxr mfpr izrhr gksrk gSA fo}ku fopkj.k U;k;ky; us mijksDr enksa esa dqy 2]15]000@& #i, dh en esa fnyk, gSa] vr% mDr enksa esa Hkh dqy 15]000@& :i;s c<+ksrjh ;ksX; gSaA bl izdkj v/khuLFk vf/kdj.k }kjk tks izfrdj jkf'k fnyk;h x;h gS] mlesa c<ksrjh djrs gq, vihykFkhZ@nkosnkjku dqy 2]14]920@& :i;s vfrfjDr :i ls izkIr djus ds vf/kdkjh gSaA mijksDr foospu ds vk/kkj ij ,dyihB flfoy fofo/k ;kfpdk vihy la[;k 6452@2017 o ,dyihB flfoy fofo/k vihy la[;k 6820@2017 vkaf'kd :i ls Lohdkj dh tkdj fo}ku eksVj nq?kZVuk nkok vf/kdj.k] /kkSyiqj }kjk ,e,lh uacj 499@2015 ¼245@2012½ esa ikfjr fu.kZ; o vokMZ fnukad 26-10-2017 dks mikarfjr djrs gq, e`rd eqds'k ds laca/k esa ikfjr iapkV ds vfrfjDr e`rd eqds'k ds fof/kd izfrfuf/k vihykFkhZx.k [2025:RJ-JP:31425] (7 of 7) [CMA-6452/2017] 2]14]920@& :i;s vfrfjDr :i ls izkIr djus ds vf/kdkjh gksaxsA mDr jkf'k ij e`rd eqds'k ds fof/kd izfrfuf/k@vihykFkhZx.k vihy ;kfpdk izLrqr djus dh fnukad ls mDr jkf'k dh olwyh rd 8 izfr'kr okf"kZd dh nj ls C;kt izkIr djus ds vf/kdkjh gksaxsA vihyk/khu vkns'k dh 'ks"k 'krsaZ ;Fkkor jgsaxhA vkns'k dh izfr nksuksa vihyksa esa layXu dh tkosA fo}ku vf/kdj.k dk vfHkys[k ;fn bl U;k;ky; dks izkIr gks j[kk gS] rks bl vkns'k dh izfr ds lkFk ykSVk;k tkosA (CHANDRA PRAKASH SHRIMALI),J KISHAN SONI /68-69