[2025:RJ-JP:35952] HIGH COURT OF JUDICATURE FOR RAJASTHAN BENCH AT JAIPUR S.B. Civil Miscellaneous Appeal No. 136/2014 Hanuman Meena S/o Shoyram Meena, Aged 43 years, R/o Village Gurashi, Tehsil & District Sawai Madhopur at Present Resident of Mansinghpura, Tonk Phatak, Jaipur. ----Appellant/Claimant Versus 1. Jaheer Ahmand S/o Mohammed Hussain, R/o Neem Ki Chowki, Sawai Madhopur (Driver). 2. Jatin Jetly S/o Shamsher Singh Jetly, R/o House No. D-10, Shahoo Nagar, Sawai Madhopur (Owner) 3. M/s Jain Motor Finance Company Through Director O-2, 3rd Floor, Amber Tower, Sansar Chandra Road, Jaipur (Finance Company) 4. United India Insurance Company Limited, Having Its Regional Office at Vishal Chambers, Tonk Road, Jaipur Through Its Regional Manager (Insurer) ----Respondents/Non-Claimants Connected With S.B. Civil Miscellaneous Appeal No. 3725/2013 United India Insurance Company Ltd., Regional Office, Sahara Chamber, Tonk Road, Jaipur And Having Its Office At M.I. Road, Jaipur. (Insurance Company of Vehicle Jeep No. RJ-25-T-0600) ----Appellant/Non-claimant No. 4 Versus 1. Hanuman Meena S/o Sh. Shoyram Meena, Aged About 42 years, R/o Village Gurashi, Tehsil And District Sawaimadhopur. At Present Mansinghpura, Tonk Phatak, Jaipur. ----Respondent/Claimant [2025:RJ-JP:35952] (2 of 8) [CMA-136/2014] 2. Jaheer Ahmand S/o Shri Mohd. Hussain, R/o Neem Ki Chowki, Sawai Madhopur. (Driver Vehicle Jeep No. RJ-25-T-0600) 3. Jatin Jetli S/o Shri Shamsher Singh Jetli, R/o House No. D-10, Shahoo Nagar, Sawai Madhopur. (Regd. Owner Vehicle Jeep No. RJ-25-T-0600) 4. Jain Motor Finance Company Through Director, O-2, IIIrd Floor, Amber Tower, Sansar Chandra Road, Jaipur. (Finance Company of Vehicle Jeep No. RJ-25-T-0600) ----Respondents/Non-Claimant No. 1 to 3 For Appellant(s) : Mr. Vinay Mathur, Adv. Mr. V.P. Mathur, Adv. For Respondent(s) : Mr. V.P. Mathur, Adv. Mr. Ashindra Gautam, Adv. HON'BLE MR. JUSTICE CHANDRA PRAKASH SHRIMALI Order RESERVED ON : 13/08/2025 PRONOUNCED ON : 20/09/2025 vihykFkhZ@nkosnkj guqeku eh.kk dh vksj ls S.B. Civil Misc. Appeal No. 136/2014 rFkk vihykFkhZ@chek daiuh United India Insurance Company Ltd. dh vksj ls S.B. Civil Misc. Appeal No. 3725/2013 fo}ku vfrfjDr ftyk ,oa ls'ku U;k;k/kh'k] Øe&9 ,oa eksVj nq?kZVuk nkok vf/kdj.k] t;iqj egkuxj }kjk ,e-,-lh-Vh- izdj.k la[;k 46@2011 esa ikfjr fu.kZ; o vokMZ fnukad 20-09-2013 ls O;fFkr gksdj i`Fkd&i`Fkd izLrqr dh x;h gSaA [2025:RJ-JP:35952] (3 of 8) [CMA-136/2014] pwafd mDr nksuksa vihysa ,d gh vkyksP; fu.kZ; ls O;fFkr gksdj izLrqr dh x;h gSa] ,slh fLFkfr esa mDr nksuksa vihyksa dk fuLrkj.k ,d gh vkns'k ds ek/;e ls fd;k tk jgk gSA nkosnkj ds fo}ku vfHkHkk"kd dk cgl ds nkSjku ;g rdZ jgk gS fd fo}ku vf/kdj.k us nkosnkj dh ekfld vk; 3]000@& :i;s ekuus esa fof/kd Hkwy o =qfV dh gS] tcfd nkosnkj nq?kZVuk ds le; 5]000@& :i;s izfrekg dekrk FkkA ,slh fLFkfr esa fo}ku vf/kdj.k dks ekfld vk; lgh :i ls fu/kkZZfjr djuh pkfg, FkhA nq?kZVuk esa nkosnkj dk nka;k iSj dV x;k] ,slh fLFkfr esa mldh 100 izfr'kr LFkk;h fu;ksZX;rk ekuh tkuh pkfg, FkhA Hkfo"; esa esfMdy [kpksZa o vU; [kpksZa ij ds laca/k esa Hkh fo}ku vf/kdj.k }kjk jkf'k fnyok;h tkuh pkfg, FkhA nq?kZVuk ds le; nkosnkj dh vk;q 40 o"kZ Fkh] mldk iSj dV tkus] vLirky esa HkrhZ jgus vkfn leLr rF;ksa dks n`f"Vxr j[krs gq, izfrikfnr U;kf;d fl)karksa ds vuqlkj fofHkUu enksa esa nkosnkj dks izfrdj jkf'k fnyok;h tkuh pkfg, Fkh] tks fd fo}ku vf/kdj.k }kjk ugha fnyok;h x;h gSA nkosnkj ds fo}ku vfHkHkk"kd us vius rdksZa ds leFkZu esa fuEufyf[kr U;kf;d n`"Vkarksa dh izfr izLrqr dh%& 1. Vinayak Vs. Manohar Singh & Others; 2025 (1) TAC 736 2. Govind Yadav Vs. The New India Insurance Co. Ltd.; 2011 (10) SCC 683 izR;FkhZ ds fo}ku vfHkHkk"kd dk cgl ds nkSjku ;g rdZ jgk gS fd fnukad 20-09-2013 dks ikfjr vokMZ esa fo}ku vf/kdj.k us izdj.k ds rF;ksa o ifjfLFkfr;ksa ls ijs tkdj vkyksP; fu.kZ; ikfjr fd;k gSA izFke lwpuk fjiksVZ esa okgu ds uacj vafdr ugha gksrs gq, Hkh okgu dks izdj.k esa varoZfyr dj vkjksi i= U;k;ky; esa izLrqr fd;k x;k gSA bl rF; ds [2025:RJ-JP:35952] (4 of 8) [CMA-136/2014] laca/k esa rFkk chek daiuh dh vksj ls ijhf{kr lk{kh N.A.W. 1 ;ksxs'k HkkxZo ,oa iz'uxr okgu la[;k RJ 25 T 0600 ds Lokeh N.A.W. 2 tfru tsVyh ds c;kuksa ds laca/k esa Hkh fo}ku vf/kdj.k us vius vkyksP; fu.kZ; esa dksbZ fopkj O;Dr ugha fd;k gSA chek daiuh us okgu Lokeh dks izn'kZ N.A. 2 uksfVl fn;k Fkk] ftldk N.A.W. 2 tfru tsVyh us tokc izn'kZ&3 fn;k FkkA mDr tokc esa Hkh iz'uxr thi ls nq?kZVuk ?kfVr gksuk ugha crk;k gSA bl rF; dks Hkh fo}ku vf/kdj.k us fopkj esa ugha fy;k gSA nkosnkj dh vksj ls N.A. 2 vaxwj dks p{kqn'khZ lk{kh ds :i esa ijhf{kr djok;k x;k gS] ysfdu mlus vius c;kuksa esa izfrijh{kk esa dFku fd;k gS fd og ?kVukLFky ls 150 ehVj dh nwjh ij FkkA ,slh fLFkfr esa mlds }kjk ?kVuk ns[kk tkuk lkfcr ugha ekuk tk ldrkA eksVjlkbfdy o thi pkyd nksuksa dh la;qDr o ;ksxnk;h mis{kk ls ?kVuk dkfjr gqbZ gS] tks uD'kkekSdk ls Hkh Li"V gksrh gSA blds ckotwn fo}ku vf/kdj.k us fof/kfo:) fu.kZ; ikfjr fd;k gSA nkosnkj us LFkk;h fu;ksZX;rk izek.k i= tkjh djus okys fpfdRldksa dks ijhf{kr ugha djok;k gS] ,slh fLFkfr esa LFkk;h fu;ksZX;rk izek.k i= izn'kZ&11 izekf.kr ugha ekuk tk ldrk gSA fo}ku vf/kdj.k us fcuk fdlh ;qfDr;qDr vk/kkj ds vkgr dh 3]000@& :i;s ekfld vk; ekudj Hkh fof/kd Hkwy o =qfV dh gSA blds vfrfjDr fo}ku vf/kdj.k us ;kfpdk izLrqr djus dh fnukad ls 6 izfr'kr okf"kZd C;kt nj ls C;kt fnyok;k gS vkSj lkFk gh ;g vkns'k fn;k gS fd vokMZ dh jkf'k fu.kZ; dh fnukad ls 30 fnol esa tek ugha djkus ij mDr jkf'k ij 9 izfr'kr okf"kZd C;kt nj ls C;kt ns; gksxk] tks fd ekuuh; mPpre U;k;ky; }kjk vfHkfu/kkZfjr fl)karksa ds foijhr gSA vr% mijksDr vk/kkjksa ij chek daiuh dh vihy Lohdkj dh tkdj nkosnkj dh vihy vLohdkj dj [kkfjt dh tkosA [2025:RJ-JP:35952] (5 of 8) [CMA-136/2014] eSaus mHk; i{k ds rdksZa ij euu fd;k rFkk i=koyh o izLrqr U;kf;d n`"Vkarksa dk voyksdu fd;kA izdj.k ds rF;ksa ds vuqlkj nkosnkj guqeku eh.kk fnukad 06-12-2006 dks le; djhc 3-30 ih-,e- ij vius xkao xqjklh ls eksVjlkbfdy ls cktksfj;k] lokbZek/kksiqj tk jgk FkkA tc og xqjklh ukys ds ikl igqapk] rks thi la[;k RJ 25 T 0600 ds pkyd us rst xfr] xQyr o ykijokgh ls okgu pykdj nkosnkj dh eksVjlkbfdy ds VDdj ekj nhA mDr nq?kZVuk esa nkosnkj pksVxzLr gks x;kA orZeku izdj.k esa izn'kZ&1 izFke lwpuk fjiksVZ vKkr thi pkyd ds fo:) ntZ djokbZ xbZ gS] mDr fjiksVZ esa thi ds uacj o thi ds pkyd dk uke vafdr ugha gSA iqfyl us izn'kZ&6 vkjksi i= esa okgu la[;k RJ 25 T 0600 ds pkyd }kjk rst xfr vkSj ykijokgh ls okgu pykus ds dkj.k nq?kZVuk gksuk ekurs gq, pkyd 'kkfgn eksgEen iq= eksgEen gqlSu ds fo:) vkjksi i= izLrqr fd;k gSA okgu Lokeh tfru tsVyh us /kkjk 161 naM izfØ;k lafgrk ds c;ku esa 'kkfgn eksgEen dks thi dk pkyd gksuk crk;k gS tcfd izn'kZ ,u-,-&7 Mªkbfoax ykblsal esa ykblsal /kkjd dk uke tkfgn vgen crk;k x;k gSA 'kfgn eksgEen gh tkfgn vgen gks] ;g rF; fdlh Hkh lk{; ls Li"V ugha gqvk gSA 'kkfgn eksgEen uke dk O;fDr gS Hkh ;k ugha] ;g Li"V ugha gSA iz'uxr thi tks nq?kZVuk esa varoZfyr Fkh] mldk pkyd 'kkfgn eksgEen Fkk ;k tkfgn vgen Fkk] ;g izdj.k esa Li"V ugha gqvk gSA bl izdj.k esa /kkjk 133 eksVj okgu vf/kfu;e ds uksfVl dk tokc iznf'kZr ugha gqvk gS] ftlls ;g Li"V ugha gksrk gS fd thi Lokeh us ojoDr nq?kZVuk thi dk pkyd 'kkfgn eksgEen dks crk;k gS ;k tkfgn vgen dksA izdj.k esa izn'kZ ,u-,-&5 Mªkbfoax ykblsal osfjfQds'ku dk [2025:RJ-JP:35952] (6 of 8) [CMA-136/2014] nLrkost izLrqr gqvk gS] ftlesa ykblsal /kkjd tkfgn vgen gksuk crk;k x;k gS] 'kkfgn eksgEen ughaA chek daiuh ds fo}ku vfHkHkk"kd us cgl ds nkSjku iz'uxr thi ls nq?kZVuk ?kfVr ugha gksuk crk;k gS rFkk eksVjlkbfdy o thi pkyd dh la;qDr o ;ksxnk;h mis{kk vkSj ykijokgh ls nq?kZVuk ?kfVr gksuk crk;k gSA blds vfrfjDr ojoDr nq?kZVuk thi pkyd oS/k o izHkkoh ykblsal ugha j[krk Fkk] bl rF; dks Hkh chek daiuh ds fo}ku vfHkHkk"kd us cgl ds nkSjku mBk;k gSA iz'uxr thi pkyd ds uke dh fHkUurk fo}ku vf/kdj.k dh i=koyh ls Li"V ugha gksrh gSA ,slh fLFkfr esa bl U;k;ky; }kjk fdlh izdkj dk dksbZ er fn;k tkrk gS rks i{kdkjku ds e/; vuko';d isfpnfx;ka mRiUu gksaxh rFkk okn dh ckgqY;rk c<+sxhA nkosnkj vkSj chek daiuh ds fo}ku vfHkHkk"kdx.k us cgl ds nkSjku tks rdZ fy, gSa] mu rdksZa ds fo}ku fopkj.k U;k;k;y; ds le{k j[kk tk ldrk gS] ftl ij fopkj.k U;k;ky; uohure U;kf;d n`"Vkarksa dks n`f"Vxr j[krs gq, fof/k vuq:i fu.kZ; ikfjr dj ldrk gSA fook|d la[;k 1 dks foosfpr djrs le; fo}ku vf/kdj.k us vius vkyksP; fu.kZ; fnukad 20-09-2013 esa dsoy thi pkyd dh ykijokgh ls nq?kZVuk ?kfVr gksuk ekuk gS] ysfdu thi pkyd dkSu Fkk] bl rF; dk mYys[k ugha fd;k x;k gSA blh izdkj ls fook|d la[;k 2 dks foosfpr djrs le; fo}ku vf/kdj.k us 'kkfgn vgen }kjk iz'uxr thi dks pyk;k tkuk crk;k gS vkSj izn'kZ ,u-,- 7 Mªkbfoax ykblsal ds vk/kkj ij 'kkfgn vgen dks thi dk pkyd crk;k gS] tcfd izn'kZ ,u-,- 7 Mªkbfoax ykblsal esa pkyd dk uke tkfgn vgen vafdr gS] uk fd 'kkfgn vgenA iqfyl us 'kkfgn vgen ds fo:) vkjksi i= izLrqr ugha fd;k gS oju~ izn'kZ&6 vkjksi i= 'kkfgn eksgEen ds [2025:RJ-JP:35952] (7 of 8) [CMA-136/2014] fo:) izLrqr gqvk gSA oLrqr% iz'uxr thi dk pkyd dkSu Fkk] mldk D;k uke Fkk rFkk uke esa tks fHkUurk vk;h gS] mldk fuLrkj.k nksuksa i{kksa dh lk{; ds mijkar fo}ku vf/kdj.k }kjk fd;k tk ldrk gSA ,slh fLFkfr esa tc iz'uxr pkyd dk uke o okgu ds uacj izFke lwpuk fjiksVZ esa ntZ ugha Fks vkSj ckn esa ftl thi pkyd vkSj thi dks izdj.k esa varoZfyr fd;k x;k gS] og pkyd dkSu Fkk] bl laca/k esa fHkUurk gS] ,slh fLFkfr esa bl Lrj ij izfrdj jkf'k ds fu/kkZj.k ij fopkj fd;k tkuk U;k;laxr o mfpr izrhr ugha gksrk gS rFkk mDr rF; ds fu/kkZj.k gsrq i=koyh fo}ku vf/kdj.k dks izfrizsf"kr fd;k tkuk U;k;ksfpr izrhr gksrk gSA vr% mijksDr foospu ds vk/kkj ij nkosnkj rFkk chek daiuh nksuksa dh vksj ls izLrqr vihysa vLohdkj dj [kkfjt dh tkrh gSa rFkk fo}ku vf/kdj.k }kjk ikfjr fu.kZ; fnukad 20-09-2013 vikLr fd;k tkdj izdj.k iqu% fo}ku vfrfjDr ftyk ,oa ls'ku U;k;k/kh'k] Øe&9 ,oa eksVj nq?kZVuk nkok vf/kdj.k] t;iqj egkuxj dks bl vkns'k ds lkFk izfrizsf"kr fd;k tkrk gS fd os vihy esa mHk;i{kksa dh vksj ls mBk;s x;s rdksZa] izLrqr fofu'p;ksa rFkk ekuuh; mPpre U;k;ky; o vU; mPp U;k;ky;ksa }kjk izfrikfnr uohure fl)karksa dks n`f"Vxr j[krs gq, u;s fljs ls foospu dj fof/k vuqlkj fu.kZ; ikfjr djsaA i{kdkjku dks fnukad 30-10-2025 dks fo}ku vf/kdj.k ds le{k mifLFkr gksus ds fy, funsZf'kr fd;k tkrk gSA ;fn fo}ku vf/kdj.k lk{; ys[kc) djuk mfpr le>s rks nksuksa i{kksa dh lk{; ys[kc) djus ds mijkar fof/k vuqlkj izdj.k dk fuLrkj.k djsaA ;fn vkyksP; iapkV ds vuqlkj vihykFkhZ }kjk dksbZ jkf'k izkIr dh x;h gS] rks mDr jkf'k fo}ku [2025:RJ-JP:35952] (8 of 8) [CMA-136/2014] vf/kdj.k }kjk u;s fljs ls fu.kZ; ikfjr djus rd vihykFkhZ ls olwy ugha dh tkosA layXu izkFkZuk i=] ;fn dksbZ gksa] mDrkuqlkj fuLrkfjr fd;s tkrs gSaA 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 MANISH SAINI /Res.