[2025:RJ-JP:51996] HIGH COURT OF JUDICATURE FOR RAJASTHAN BENCH AT JAIPUR S.B. Civil Miscellaneous Appeal No. 4148/2018 1. Lalchand Yadav Son of Late Gokul Chand, Aged 46 Yrs, 2. Saroj Wife of Lalchand Yadav, Aged 44 Years, 3. Lokesh Son of Lalchand Yadav, Aged 24 Years All Resident of Jatiya Hills, Danta Nagar, Ajmer. ----Claimant Appellants Versus 1. Arjun Singh Son of Shree Gopal Singh, Aged 25 Years, Resident of Rajputon Ka Mohalla, Narsingh Basni, Ladpura, Police Station Thanwla, District Nagaur (Driver Pickup No. RJ-21-GB-5747) 2. Babu Lal Son of Bajrang Das, Resident of 96, Sani Bass, Tehla, Tehsil Degana, District Nagaur. (Owner Pickup No. RJ-21-GB-5747) 3. Tata AIG General Insurance Company Limited, Divisional Office At Lotus Tower, Community Centre, New Freint Colony, New Delhi Also At 205-208, 2nd Floor, Green Park, Ashok Marg C-Scheme, Jaipur Through Its Divisional Manager. (Insurer Pickup No. RJ-21-GB-5747) ----Non-Claimant Respondents For Appellant(s) : Mr. Vinay Mathur, Adv. For Respondent(s) : Ms. Rajani Vyas, Adv. HON'BLE MR. JUSTICE ASHUTOSH KUMAR Order 10/12/2025 1- vihykFkhZx.k }kjk ;g vihy /kkjk&173 eksVj okgu vf/kfu;e&1988 ds rgr U;k;ky; eksVj okgu nq?kZVuk nkok vf/kdj.k] vtesj ¼jkt-½ ¼ftls vkxs ^fo}ku vf/kdj.k* ds uke ls lacksf/kr fd;k tk,xk½ }kjk Dyse ;kfpdk la[;k&291@2016] ykypan ;kno o vU; cuke vtqZuflag o vU; esa ikfjr fu.kZ; fnukad 25-04-2018 ¼ftls vkxs ^vk{ksfir fu.kZ;^ ds uke ls lacksf/kr fd;k tk,xk½ ds fo#) izLrqr dh xbZ gSA 2- vihykFkhZx.k }kjk fo}ku vf/kdj.k ds le{k eksVj okgu nq?kZVuk esa y{e.kflag mQZ 'ks[kj ;kno dh e`R;q gks tkus ds QyLo:i dqy [2025:RJ-JP:51996] (2 of 6) [CMA-4148/2018] 96]43]900@& #i;s Dyse izkIr djus gsrq Dyse ;kfpdk izLrqr dh x;h FkhA fo}ku vf/kdj.k }kjk mDr Dyse ;kfpdk dk fuLrkj.k djrs gq, ;kphx.k ds i{k esa dqy 16]77]040@& #i;s dh {kfriwfrZ jkf'k fu/kkZfjr djrs gq, mDr jkf'k esa ls xzqi ilZuy ,DlhMsaV ds rgr ;kphx.k dks izkIr jkf'k 8]00]000@& #i;s dh dVkSrh djrs gq, dqy 8]77]040@& #i;s dh {kfriwfrZ jkf'k e; C;kt 06 izfr'kr lkykuk dh nj ls fnyokbZ x;h gSA fo}ku vf/kdj.k ds mDr vk{ksfir fu.kZ; ls O;fFkr gksdj gLrxr vihy] vihykFkhZx.k dh vksj ls fu/kkZfjr dh x;h lEiw.kZ {kfriwfrZ jkf'k fnyok;s tkus gsrq izLrqr dh x;h gSA 3- nkSjkus cgl fo}ku vf/koDrk vihykFkhZx.k dk rdZ jgk gS fd fo}ku vf/kdj.k }kjk vihykFkhZx.k ds i{k esa dqy 16]77]040@& #i;s dh {kfriwfrZ jkf'k fu/kkZfjr dh x;h rFkk mDr {kfriwfrZ jkf'k esa ls 8]00]000@& #i;s dh jkf'k xzqi ilZuy ,DlhMsaV ds rgr izkIr gqbZ jkf'k ckcr~ dVkSrh dh tkdj dqy 8]77]040@& #i;s dh jkf'k gh vihykFkhZx.k dks fnyokbZ tkdj =qfV dkfjr dh x;h gSA tcfd vU; dgha ls Hkh ;fn dksbZ jkf'k chek Lo:i izkIr gksrh gS rks mDr jkf'k dks {kfriwfrZ jkf'k esa lek;ksftr ugha fd;k tk ldrkA fo}ku vf/koDrk vihykFkhZx.k dk ;g Hkh rdZ jgk gS fd fo}ku vf/kdj.k }kjk dalksfVZ;e dh en esa rFkk vU; enksa esa Hkh vR;f/kd de jkf'k fnyokbZ x;h gS] ftuesa c<+ksrjh dh tkosA vr% vihykFkhZx.k dh vksj ls izLrqr vihy dks Lohdkj fd;k tkdj {kfriwfrZ jkf'k esa c<+ksrjh fd;s tkus dh izkFkZuk dh x;hA vius rdksZa ds leFkZu esa fo}ku vf/koDrk vihykFkhZx.k }kjk fuEu U;kf;d n`"Vkar is'k fd; x;s %& ● Sebastiani Lakra & Ors. Vs. National Insurance Company Ltd. & Anr. reported in 2019 (17) SCC 465 & ● New India Assurance Co. Ltd. Vs. Smt. Sunita Sharma & Ors. reported in [2025] 4 SCR 603. 4- blds foijhr fo}ku vf/koDrk izR;FkhZ chek daiuh dh vksj ls vihykFkhZx.k ds mijksDr rdksZa dk fojks/k djrs gq, fo}ku vf/kdj.k }kjk ikfjr fd;s x;s fu.kZ; dh iqf"V fd;s tkus rFkk vihykFkhZx.k dh vksj ls lafLFkr dh x;h vihy dks fujLr fd;s tkus dk fuosnu fd;k x;kA 5- nksuksa i{kksa dh cgl lquh x;hA i=koyh dk voyksdu fd;k x;kA [2025:RJ-JP:51996] (3 of 6) [CMA-4148/2018] 6- i=koyh ds voyksdu ls izdV gksrk gS fd ekeys dh ?kVuk fnukad 11-02-2016 dh crkbZ x;h gS rFkk oDr ?kVuk e`rd dks ,Q-Mh-lh- fyfeVsM dEiuh esa dk;Zjr gksdj 11]000@& #i;s vk; vftZr djuk crk;k x;k gSA e`rd dh vk; ds laca/k esa vihykFkhZx.k }kjk e`rd dk ,Q-Mh-lh- fyfeVsM dEiuh dk fu;qfDr i= izn'kZ&15 o osru izek.k i= izn'kZ&16 fo}ku vf/kdj.k ds le{k izLrqr fd;k x;kA mijksDr vk/kkjksa ij fo}ku vf/kdj.k }kjk e`rd ds osru izek.k i= izn'kZ&16 ij fo'okl djrs gq, oDr ?kVuk e`rd dh vk; 9]920@& #i;s izfrekg fu/kkZfjr dh tkdj mDr fu/kkZfjr ekfld vk; ij 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 dh 22 o"kZ] 07 ekg] 14 fnu dh vk;q dks n`f"Vxr j[krs gq, mijksDr fu/kkZfjr ekfld vk; 9]920@& #i;s ij 50 izfr'kr vFkkZr 4]960@& #i;s dh Hkfo"; o`f) djrs gq, e`rd dh dqy 'kq) ekfld vk; 14]880@& #i;s ds vk/kkj ij e`rd dh dqy okf"kZd vk; 1]78]560@& #i;s fu/kkZfjr djrs gq, mDr fu/kkZfjr okf"kZd vk; esa ls e`rd ds vfookfgr gksus ds rF; dks n`f"Vxr j[krs gq, e`rd ds O;fDrxr [kpZ dh dVkSrh ds en esa 1@2 Hkkx vFkkZr 89]280@& #i;s dh dVkSrh dh tkdj vkfJr vk; dh 'ks"k jkf'k 89]280@& #i;s esa e`rd dh vk;q dks n`f"Vxr j[krs gq, 18 dk xq.kd iz;ksx fd;k tkdj dqy 16]07]040@& #i;s dh jkf'k vkfJr vk; dh {kfr ds en esa vihykFkhZx.k dks fnyokbZ x;h gS] ftlesa ge dksbZ gLr{ksi fd;k tkuk mfpr ugha le>rs gSaA vihykFkhZx.k }kjk e`rd dh vk; ds laca/k esa dksbZ vkifŸk ugha yh x;h gSA vihykFkhZx.k }kjk dsoyek= fo}ku vf/kdj.k fu/kkZfjr {kfriwfrZ jkf'k esa ls 8]00]000@& #i;s dh jkf'k dVkSrh fd;s tkus ds laca/k esa rFkk dalksfVZ;e dh en esa o vU; enksa esa de jkf'k fnyok;s tkus ds laca/k esa vkifŸk yh x;h gSA 7- fo}ku vf/kdj.k }kjk leLr vihykFkhZx.k dks ,deq'r 40]000@& #i;s dh jkf'k dalksfVZ;e dh en esa fnyokbZ x;h gSA ekuuh; mPpre U;k;ky; ds U;kf;d n`"Vkar iz.k; lsBh ¼mijksDr½ o ;wukbZVsM bf.M;k ba';ksjsal dEiuh fyfeVsM cuke lfrUnj dkSj mQZ lrfoUnj dkSj o vU; [2025:RJ-JP:51996] (4 of 6) [CMA-4148/2018] fjiksVsZM bu ¼2021½ 11 ,llhlh 780 o vU; U;kf;d n`"Vkar esxek tujy ba';ksjsal dEiuh fyfeVsM cuke ukuw jke mQZ pqg: jke o vU; fjiksVsZM bu ¼2018½ 18 ,llhlh 130 ds ekeyksa esa izfrikfnr fl)kUr ds vuqlkj izR;sd vkfJr dks 40]000@& #i;s dalksfVZ;e dh en esa fnyok;s tkus dk fl)kUr izfrikfnr fd;k x;k gSA lkFk gh iz.k; lsBh ¼mijksDr½ ds ekeys esa dalksfVZ;e dh en esa nh tkus okyh jkf'k ij izR;sd rhu o"kZ esa 10 izfr'kr dh c<+ksrjh fd;s tkus dk fl)kUr Hkh izfrikfnr fd;k x;k gSA ,slh fLFkfr esa ge] iz.k; lsBh ¼mijksDr½] lfrUnj dkSj mQZ lrfoUnj dkSj ¼mijksDr½ o ukuw jke mQZ pqg: jke ¼mijksDr½ ds ekeyksa esa izfrikfnr fl)kUr ds vuqlkj e`rd ds firk o ekrk] vihykFkhZ la[;k&1 o 2 dks rFkk e`rd dk HkkbZ vihykFkhZ la[;k&3 dks ^^fQfy;y lksfVZ;e** dh en esa izR;sd dks 48]000@& #i;s ¼dqy 1]44]000@& #i;s½ dh jkf'k fnyok;k tkuk mfpr le>rs gSaA 8- fo}ku vf/kdj.k }kjk vihykFkhZx.k dks vafre laLdkj dh en esa 15]000@& #i;s rFkk lEink dh gkfu ds en esa 15]000@& #i;s dh jkf'k fnyokbZ x;h gSA vr% vafre laLdkj dh en esa rFkk lEink dh gkfu ds en esa ge] iz.k; lsBh ¼mijksDr½ ds ekeys esa izfrikfnr fl)kUr ds vuqlkj fu/kkZfjr ns; jkf'k ij] izR;sd rhu o"kZ esa nl izfr'kr dh c<+ksrjh djrs gq, 18]000&18]000@& #i;s ¼dqy 36]000@& #i;s½ dh jkf'k mDr enksa esa vihykFkhZx.k dks fnyok;k tkuk mfpr le>rs gSaA 9- tgka rd fu/kkZfjr {kfriwfrZ jkf'k esa ls 8]00]000@& #i;s dh dVkSrh dk iz'u gS rks bl laca/k esa ekuuh; mPpre U;k;ky; }kjk U;kf;d n`"Vkar Sebastiani Lakra (supra) esa ;g er O;Dr fd;k gS fd %& "12. The law is well settled that deductions cannot be allowed from the amount of compensation either on account of insurance, or on account of pensionary benefits or gratuity or grant of employment to a kin of the deceased. The main reason is that all these amounts are earned by the deceased on account of contractual relations entered into by him with others. It cannot be said that these [2025:RJ-JP:51996] (5 of 6) [CMA-4148/2018] amounts accrued to the dependants or the legal heirs of the deceased on account of his death in a motor vehicle accident. The claimants/dependants are entitled to “just compensation” under the Motor Vehicles Act as a result of the death of the deceased in a motor vehicle accident. Therefore, the natural corollary is that the advantage which accrues to the estate of the deceased or to his dependants as a result of some contract or act which the deceased performed in his lifetime cannot be said to be the outcome or result of the death of the deceased even though these amounts may go into the hands of the dependants only after his death. 13. As far as any amount paid under any insurance policy is concerned whatever is added to the estate of the deceased or his dependants is not because of the death of the deceased but because of the contract entered into between the deceased and the insurance company from where he took out the policy. The deceased paid premium on such life insurance and this amount would have accrued to the estate of the deceased either on maturity of the policy or on his death, whatever be the manner of his death. These amounts are paid because the deceased has wisely invested his savings. Similar would be the position in case of other investments like bank deposits, share, debentures, etc. The tortfeasor cannot take advantage of the foresight and wise financial investments made by the deceased." 10- bl izdkj ekuuh; mPpre U;k;ky; }kjk U;kf;d n`"Vkar Sebastiani Lakra (supra) esa ;g er O;Dr fd;k gS fd ;fn DysesaV~l dks vU; dgha ls Hkh chek Lo:i dksbZ jkf'k izkIr gksrh gS rks mDr chek Lo:i izkIr jkf'k dks fu/kkZfjr {kfriwfrZ jkf'k esa ls de ugha fd;k tk ldrkA bl izdkj vihykFkhZx.k dks xzqi ilZuy ,DlhMsaV ds QyLo:i tks 8]00]000@& #i;s dh jkf'k izkIr gqbZ gS] mls fo}ku vf/kdj.k }kjk fu/kkZfjr {kfriwfrZ jkf'k esa ls de fd;k tkdj =qfV dkfjr dh gSA vr% bl [2025:RJ-JP:51996] (6 of 6) [CMA-4148/2018] vkns'k }kjk fu/kkZfjr lEiw.kZ {kfriwfrZ jkf'k vihykFkhZx.k@DysesaV~l izkIr djus ds vf/kdkjh gksaxsA 11- mDrkuqlkj vihykFkhZx.k@DysesaV~l fuEu izdkj ls {kfriwfrZ jkf'k izkIr djus ds vf/kdkjh gSa %& Øe la- 'kh"kZ@en bl fu.kZ; ds rgr fu/kkZfjr dh x;h jkf’k ¼:i;s esa½ 1- vkfJr vk; dh {kfr ds en esaa 16]07]040@& 2- dalksfVZ;e ds en esa ¼izR;sd vihykFkhZ dks 48]000@& #i;s½ dqy 1]44]000@& 3- vafre laLdkj ds en esa 18]000@& 4- lEink dh gkfu ds en esa 18]000@& bl U;k;ky; }kjk fu/kkZfjr dh xbZ {kfriwfrZ jkf'k 17]87]040@& fo}ku vf/kdj.k }kjk fnyokbZ xbZ {kfriwfrZ jkf'k 8]77]040@& c<+ksrjh i'pkr~ {kfriwfrZ jkf'k esa varj 9]10]000@& 12- rnuqlkj nkokdrkZ@vihykFkhZx.k dh vksj ls lafLFkr vihy vkaf’kd :i ls Lohdkj dh tkdj fo}ku vf/kdj.k }kjk ikfjr iapkV] ftlds }kjk nkokdrkZ@vihykFkhZx.k dks 8]77]040@& :i;s fnyok;s tkus dk vkns'k ikfjr fd;k x;k gS] ds LFkku ij 17]87]040@& :i;s dk iapkV ikfjr fd;k tkrk gSA mDr jkf'k ij fu;ekuqlkj vk;dj dVkSrh dh tkosxhA vihykFkhZx.k }kjk iwoZ esa izkIr dh x;h jkf’k dks iapkV jkf’k esa ls lek;ksftr fd;k tkdj 'ks"k jkf’k vihykFkhZx.k izkIr djus ds vf/kdkjh ik;s tkrs gSaA 13- bl vkns'k }kjk c<kbZ xbZ lEiw.kZ {kfriwfrZ jkf'k ij ;kfpdk nk;j djus dh frfFk ls nkokdrkZ@vihykFkhZx.k] 08 izfr'kr okf"kZd C;kt izkIr djus ds vf/kdkjh gSaA 14- rn~uqlkj mijksDr vihy fuLrkfjr dh tkrh gSA 15- lHkh yfEcr izkFkZuk&i=ksa dks Hkh mijksDrkuqlkj fuLrkfjr fd;k tkrk gSA (ASHUTOSH KUMAR),J LOKESH RAJ /98-S