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High Court of Karnataka · body
2025 DAILYLAW 43532 (KAR)
THE BRANCH MANAGER, NEW INDIA ASSURANCE CO. LTD., v. ASHA AND ORS
MFA/200716/2022 · 2025-11-25
H T Narendra Prasad, Tyagaraja N Inavally
body2025
[ 2025 DAILYLAW 43532 (KAR) · dailylaw.ai ]
[ 2025 DAILYLAW 43532 (KAR) · dailylaw.ai ]
Judgment text
Extracted from the PDF above. The PDF is authoritative.
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* 1 23 42567 89 :;6 <5=2>=?:3 @;6A6=3 * 1, 23 42567 89 :;6 ?3BA=?<6 1>C=?9B?76A6<:21?,')14:;61:1A!6;2<563<:
%% '41A 3;1A: D:;6 <:/) 862?E =EEA26F67 89 :;6 GB7E>6?: =?7 =@=A7 7=:67 % C=3367 89 :;6 772:21?=5 6?21A 2F25 "B7E6 =?7 6>86A +! !2G=9=CBA '41A 3;1A:D:;6 A28B?=5/)2?! 1, 2?<6 :;6 <;=556?E6 23 :1 :;6 3=>6 GB7E>6?: 81:; :;6 =CC6=53 =A6 ;6=A7 :1E6:;6A =?7 <1>>1? GB7E>6?: 23 C=3367
*=<:3 E2F2?E A236 :1 :;6 4252?E 14 :;6 =CC6=53 8A264593:=:67=A6:;=:1?=:=A1B?7, 1? =?7;=ACBA+ B?6A1=71CC132:6:1"2G=FB=AA2=E6=55 3;8=F2@;6?:;676<6=367 23=?@=3@=5H2?E89:;63276 14 :;6 A1=7 @;6? :;6 7A2F6A 14 :;6 "66C 86=A2?E 6E1+
!+,% <=>6 @2:; ;2E; 3C667 2? = A=3; =?7?6E52E6?:>=??6A=?77=3;67:1:;676<6=3673=
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A63B5: 14 :;6 =<<276?: :;6 76<6=367 3B3:=2?67 EA26F1B3 2?GBA263>>672=:659;6@=3:=H6?:11?6!2::=5;13C2:=5 =?7;=ACBA=?75=:6A3;24:67:113C2:=515=CBA6 3B<<B>867:1:;62?GBA2631? ;6 <5=2>=?:3 42567 = <5=2> C6:2:21? B?76A 6<:21?14:;6<:366H2?E<1>C6?3=:21?41A:;676=:; 14:;676<6=367=51?E@2:;2?:6A63:
C1? 36AF2<6 14 ?1:2<6 A63C1?76?:3 ;=F6 =CC6=A67:;A1BE;<1B?365=?742567:;62A36C=A=:6@A2::6? 3:=:6>6?:3 76?92?E :;6 =F6A>6?:3 >=76 2? :;6 <5=2> C6:2:21? ?:;68=32314:;6C56=72?E314:;6C=A:263:;6 5=2>3A28B?=54A=>67:;6233B63=?7:;6A6=4:6AA6<1A767 :;6 6F276?<6 ;6 A28B?=5 89 2>CBE?67 GB7E>6?: =?7 =@=A7;=3C=A:59=551@67:;6<5=2>C6:2:21?=?7;657:;=: :;6 <5=2>=?:3 =A6 6?:2:567 :1 = <1>C6?3=:21? 14 3%+=51?E@2:;2?:6A63:=::;6A=:614IC= =?7 72A6<:67 A63C1?76?: 1+?3BA=?<6 1>C=?9 :1 76C132: :;6 <1>C6?3=:21? =>1B?: =51?E @2:; 2?:6A63:
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#62?E =EEA26F67 :;6 ?3BA=?<6 1>C=?9 =?7 :;6 <5=2>=?:3=A68641A6:;231BA:
;6 56=A?67 <1B?365 41A :;6 <5=2>=?:3 ;=3 A=2367:;641551@2?E<1?:6?:21?3 =) *2A3:59 :;6 =<<276?: ;=3 1<<BAA67 7B6 :1 :;6 ?6E52E6?<6 14 :;6 7A2F6A 14 :;6 1446?72?E "66C ;6 <5=2>=?:3;=F6517E67:;6<1>C5=2?:=E=2?3::;67A2F6A14 :;6 "66C 1? ;6 C152<6 =4:6A :;1A1BE; 2?F63:2E=:21?;=342567:;6<;=AE63;66:=E=2?3::;67A2F6A 14:;61446?72?EF6;2<56 8) 6<1?759 <1?3276A2?E :;6 =E6 =?7 =F1<=:21? 14 :;6 76<6=367 :;6 1F6A=55 <1>C6?3=:21? =@=A767 89 :;6 A28B?=5 23 2?=76JB=:6 =?7 1?
:;6 51@6A 3276 2:; :;6 =81F6<1?:6?:21?3:;656=A?67<1B?36531BE;::1=551@:;6 =CC6=54256789:;6<5=2>=?:389723>2332?E:;6=CC6=542567 89:;6?3BA=?<61>C=?9
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, ?:;61:;6A;=?7:;656=A?67<1B?36541A:;6 ?3BA=?<6 1>C=?9 ;=3 A=2367 :;6 41551@2?E <1B?:6A+ <1?:6?:21?3 =) *2A3:59:;61446?72?EG66C86=A2?E6E1+
!+ ,% @=3 ?1: 2?F15F67 2? :;6 =<<276?: 1 >=H6 4=536 <5=2> :;6 <5=2>=?:3 ;=F6 2>C52<=:67 :;6 F6;2<56 6 4BA:;6A <1?:6?767 :;=: :;6 =<<276?: ;=7 1<<BAA67 1? =?7 :;6 76<6=367 23=? 7267 1? ;6A641A6 ;6 <1?:6?767 :;=: <1>C5=2?: ;=3 866? 517E67 =4:6A5=C36147=931?=4:6A2>C52<=:2?E:;6 1446?72?EF6;2<562?:;6=<<276?: 8) 6<1?759 ?1@;6A6 2? :;6 >672<=5 A6<1A73 2: 23 >6?:21?67 :;=: :;6 =<<276?: ;=3 1<<BAA67 7B6 :1 2?F15F6>6?:14:;61446?72?EF6;2<56 <) ;2A759 :;6 <5=2>=?:3 ;=F6 ?1: 6F6? CA17B<67 :;6 >672<=5A6<1A7314!2::=513C2:=5@;6A6:;676<6=367@=3 =7>2::672?2:2=559=4:6A:;6=<<276?:
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7) *1BA:;596F6?:;61@?6A14:;61446?72?EF6;2<56;=3 76?267:;6=<<276?:;6<5=2>=?:3;=F6?1:6K=>2?67:;6 ?F63:2E=:2?E 442<6AA6E=A72?E;1@;6:A=<67:;6G66C:1 CA1F6:;=:2:;=3866?2?F15F672?:;6=<<276?: 6) =3:59 1? =CCA6<2=:21? 14 1A=5 =?7 71<B>6?:=A9 6F276?<6 =?7 <1?3276A2?E :;6 =E6 =?7 =F1<=:21? 14 :;6 76<6=367 :;6 1F6A=55 <1>C6?3=:21? =@=A767 89 :;6 A28B?=5 23 1? :;6 ;2E;6A 3276 6?<6 ;6 CA=93 41A A6>2::2?E :;6 >=::6A 8=<H :1 :;6 A28B?=5 41A 4A63;
<1?3276A=:21? % 6=A7 :;6 56=A?67 <1B?365 41A :;6 C=A:263 =?7 C6AB367:;6GB7E>6?:=?7=@=A714:;6A28B?=5
;6<=3614:;6<5=2>=?:323:;=:1? =:=81B:, :;676<6=367@=3@=5H2?E89:;6327614 :;6A1=71? =?7;=ACBA+ B?6A1=7=::;=::2>6:;67A2F6A 14 :;6 "66C 86=A2?E 6E1+
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;2E; 3C667 2? A=3; =?7 ?6E52E6?: >=??6A =?7 7=3;67 =E=2?3::;676<6=3673=A63B5::;676<6=367465571@? - 10 -
6 3B446A67 2?GBA263 =?7 2>>672=:659 ;6 @=3 3;24:67 :1 !2::=513C2:=5 =?7;=ACBA
=:6A;6@=33;24:67:1 13C2:=5 15=CBA 41A ;2E;6A :A6=:>6?: @;6A6 ;6 7267 1? #9 3662?E :;6 6F276?<6 =?7 >=:6A2=5 1? A6<1A7 :;6A6 23 ?1 723CB:6 :;=:
23=? 7267 2? :;6 A1=7 :A=442<=<<276?::;=:1<<BAA671? ;6 1?59 723CB:6 A=2367 89 :;6 ?3BA=?<6 1>C=?9 23 :;=: :;6 1446?72?E F6;2<56 ;=3 866? 4=53659 2>C52<=:672?:;6=<<276?::1<5=2>:;6<1>C6?3=:21?;6 =<<276?: ;=3 1<<BAA67 1? =?7 :;6 76<6=367 @=3 2?2:2=559 3;24:67 :1 !2::=5 13C2:=5 =?7;=ACBA ;6A6=4:6A ;6 @=3 3;24:67 :1 13C2:=5 15=CBA 41A ;2E;6A :A6=:>6?: ;6 >672<=5 A6C1A: 'K ) >6A659 A6<1A73 :;=: :;6 2?GBA263 @6A6 3B3:=2?67 2? = A1=7 :A=442< =<<276?: : ?62:;6A 723<51363 :;6 F6;2<56 ?B>86A ?1A 3C6<24263@;6:;6A:;6=<<276?:2?F15F67=:@1+@;6656A1A= 41BA+@;6656A;6 >=??6A2?@;2<;:;6 =<<276?:1<<BAA67 23=531?1:>6?:21?67K<6C::;6723<;=AE63B>>=A9=?7 :;6>672<=582553?11:;6A71<B>6?:4A1>:;6;13C2:=5;=3
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866?CA17B<67 ;6A6=4:6A:;6<1>C5=2?:;=3866?517E67 1?26=4:6A5=C36147=934A1>:;67=:614 =<<276?:=?7,7=93=4:6A:;676=:;14:;676<6=3671?
?:;6*=?72?:;6<1>C5=2?:41A:;642A3:
:2>6 :;6 A6E23:6A67 ?B>86A 14 :;6 1446?72?E G66C 23 >6?:21?67 2:;6A 14 :;6 C=A:263 ;=3 ?1: 6K=>2?67 :;6 ?F63:2E=:2?E 442<6A ;6 <1>C5=2?: @=3 517E67 89 1?6 =?>=?:; ;=?76H=A;6<5=2>=?:3;=F6?1:6K=>2?67 :;6 <1>C5=2?=?: =3 @655 =3 :;6 2?41A>6A @;1 23 :;6 696 @2:?633 :1 :;6 =<<276?: ;69 ;=F6 ?1: 6K=>2?67 :;6 ?F63:2E=:2?E 442<6AA6E=A72?E;1@:;6A6E23:6A67?B>86A 14:;61446?72?EF6;2<56;=3866?41B?7 ? F26@ 14 :;6 =81F6 723<B3321? @6 42?7 2: =CCA1CA2=:6:1A6>=?7:;6>=::6A8=<H:1:;6A28B?=5:1 A6<1?3276A :;6 233B6 2? A63C6<: 14 2?F15F6>6?: 14 :;6 1446?72?EF6;2<5686=A2?E6E1+
!+,% ;6 <1?:6?:21? @2:; A6E=A7 :1 JB=?:B> 14 <1>C6?3=:21?23<1?<6A?67@6=A614:;61C2?21?:;=::;6 <1>C6?3=:21? =@=A767 89 :;6 A28B?=5 23 GB3: =?7
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A6=31?=856 =?7 2: 7163 ?1: A6JB2A6 2?:6A46A6?<6 89 :;23 1BA: ?:;6A63B5::;641551@2?E1A76A23C=3367
=) ;6 =CC6=5 42567 89 :;6 <5=2>=?:3 2? * 123723>23367 8) ;6 =CC6=5 42567 89 :;6 ?3BA=?<6 1>C=?9 2? * 1, 23 =551@67 =?7 >=::6A 23 A6>=?767 8=<H :1 :;6 A28B?=5 :1 42?7 1B:
A6E=A72?E :;6 2?F15F6>6?: 14 :;6 "66C 86=A2?E 6E1+
!+,% 2? :;6 =<<276?: =?7 A6E=A72?E?6E52E6?<61?:;6C=A:14:;67A2F6A14 :;63=27"66C <) ;6 42?72?E 14 :;6 A28B?=5 1? =33633>6?: 14 <1>C6?3=:21?23<1?42A>67 7) ? <=36 :;6 A28B?=5 ;1573 :;=: :;6 1446?72?E
"66C 23 2?F15F67 2? :;6 =<<276?: :;6 ?3BA=?<6 1>C=?9 23 52=856 :1 76C132: :;6 <1>C6?3=:21? =>1B?:=336336789:;6A28B?=5
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6) >1B?:2?76C132:23:A=?346AA67:1:;6A28B?=5 4) ?F26@14:;61A76A7=:67C=336789 :;23 1BA: 2? <=36 :;6 A28B?=5 6?;=?<63 :;6 <1>C6?3=:21?:;6<5=2>=?:3=A6?1:6?:2:56741A 2?:6A63: 41A :;6 765=967 C6A217 14 7=93 2? 4252?E:;6=CC6=5
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