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High Court of Karnataka · body
2025 DAILYLAW 46611 (KAR)
ICICI LOMBARD GENERAL/MOTOR INSURANCE COMPANY LTD., v. NEETA AND ORS
MFA/202139/2023 · 2025-11-25
H T Narendra Prasad, Tyagaraja N Inavally
body2025
[ 2025 DAILYLAW 46611 (KAR) · dailylaw.ai ]
[ 2025 DAILYLAW 46611 (KAR) · dailylaw.ai ]
Judgment text
Extracted from the PDF above. The PDF is authoritative.
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123 455647 89:6; 6<=2>9 )$' >? =16 >=>; &612<763<=,""$16;6294?=6;;6?6;;6:=>43@=16<=A?>;
31>;=' 143 B669 ?276: BC =16 938;49<6 >D549C <147769E29E =16 F8:ED69= 49: 4G4;: :4=6: " 54336:BC=16;7692>;2H27%8:E6I%I::7 2:4;29&,
-4<=3 E2H29E ;236 => =16 ?2729E >? =16 455647 B;26?7C 3=4=6: 4;6 =14= >9 " G169 =16 :6<6436:
49E4D631 G43 5;><66:29E >9 D>=>;<C<76 964; 43=4E2; 43F2:29?;>9=>?9:24>=6714158;4=62:4;4==14= =2D6 4 <4; B64;29E ;6E23=;4=2>9
>!", G12<1 G43B629E:;2H69294;43149:96E72E69=D4996;:4316:
4E4293= =16 48=> ;2<J314G 49: => =16 D>=>;<C<76 3 4 ;6387= >? =16 4?>;6342: 4<<2:69= =16 :6<6436: ?677 :>G9 49: 383=4296: E;26H>83 29F8;263 49: 38<<8DB6: => =16 29F8;263
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16 <742D49=3 ?276: 4 56=2=2>9 89:6; 6<=2>9 >? =16 <= 366J29E <>D56934=2>9 ?>; =16 :64=1 >? =16 :6<6436:47>9EG2=129=6;63=
5>9 36;H2<6 >? 9>=2<6 =16 ;635>9:69=3 45564;6: =1;>8E1<>8936749:?276:G;2==693=4=6D69=3:69C29E=16 4H6;D69=3D4:629=16<742D56=2=2>9
9 =16 B4323 >? =16 5764:29E3 >? =16 54;=263 =16 742D3;2B8947?;4D6:=1623386349:=16;64?=6;;6<>;:6:
=16 6H2:69<6 16 ;2B8947 BC 2D58E96: F8:ED69= 49: 4G4;:14354;=7C477>G6:=16<742D56=2=2>949:167:=14= =16 <742D49=3 4;6 69=2=76: => 4 <>D56934=2>9 >? 3 )"""47>9EG2=129=6;63=4==16;4=6>?,/54 49: :2;6<=6: =16 938;49<6 >D549C => :65>32= =16 <>D56934=2>9 4D>89= 47>9E G2=1 29=6;63= 629E 4EE;26H6:=165;6369=455647143B669?276:
16764;96:<>89367?>;=16938;49<6>D549C143 ;4236:=16?>77>G29E<>9=69=2>93*
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4' -2;3=7C =16 <742D49=3 <742D =14= =16 :6<6436: G43 G>;J29E 43 4 2354=<1 ??2<6; 29 4129:;4 >D549C 412;B4: 49: :;4G29E 3474;C >? 3 5D K<65= 5;>:8<29E3474;C<6;=2?2<4=64=K"49:6K4D2929E( 692>; K6<8=2H6 >? =16 <>D549C =16C 14H6 ?4276: => 38B3=49=24=6 =162; <742D BC 5;>:8<29E 49C 3855>;=29E :><8D69=338<143B49J3=4=6D69=9=164B369<6>?=16 34D6 =16 ;2B8947 143 =4J69 =16 D>9=17C 29<>D6 >? =16 :6<6436:43 3")"G12<123>9=1612E16;32:649:
=16 ;2B8947 143 ?4276: => :6:8<= 49C 4D>89= =>G4;:3 5;>?6332>947=4K B' 6<>9:7C >9 455;6<24=2>9 >? >;47 49: :><8D69=4;C 6H2:69<6 49: <>932:6;29E =16 4E6 49: 4H><4=2>9 >? =16 :6<6436: =16 >H6;477 <>D56934=2>9 4G4;:6: BC =16 ;2B8947236K<6332H6 <' 43=7C2972E1=>?=16 2H232>969<1:6<232>9>?=123 >8;=29=16<436>?!&"!!* # #!# ! ' +, +
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(=16;4=6>?29=6;63=4G4;:6:BC=16;2B8947 4=,/54>9=16<>D56934=2>94D>89=23>9=1612E16; 32:6 (2=1 =16 4B>H6 <>9=69=2>93 =16 764;96: <>89367 3>8E1==>477>G=16455647 ) 6;<>9=;4=16764;96:<>89367?>;=16<742D49=3143 ;4236:=16?>77>G29E<>9=69=2>93* 4' -2;3=7C =16 <742D49=3 4336;= =14= =16 :6<6436: G43 4E6:4B>8=C64;34==16=2D6>?=164<<2:69=+16G43 G>;J29E 43 4 2354=<1 ??2<6; 29 4129:;4 >D549C 412;B4: 49: :;4G29E 3474;C >? 3 5D 49:
5;>:8<6: 3474;C <6;=2?2<4=6 4= K" 49: 6K4D296: =16 692>; K6<8=2H6 >? =16 <>D549C 43 ( 16 ;2B8947 <>932:6;29E =16 34D6 143 ;2E1=7C =4J69 =16 D>9=17C29<>D6>?=16:6<6436:4= 3")" B' 6<>9:7C <>932:6;29E =16 4E6 49: 4H><4=2>9 >? =16 :6<6436: =16 >H6;477 <>D56934=2>9 4G4;:6: BC =16 ;2B894723F83=49:5;>56;
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(2=1 =16 4B>H6 <>9=69=2>93 =16 764;96: <>89367 3>8E1==>:23D233=16455647
" 64;: =16 764;96: <>89367 ?>; =16 54;=263 49: 56;836:=16F8:ED69=49:4G4;:>?=16;2B8947
, =239>=29:2358=6=14=49E4D631:26:29=16;>4: =;4??2< 4<<2:69= ><<8;;6: >9 " :86 => ;431 49: 96E72E69=:;2H29E>?=16>??69:29EH612<76BC2=3:;2H6;
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2354=<1 ??2<6; 29 4129:;4 >D549C 412;B4: 49:
:;4G29E 3474;C >? 3 5D 49: 5;>:8<6: 3474;C <6;=2?2<4=6 4= K" 49: 6K4D296: =16 692>; K6<8=2H6 >?=16<>D549C43(356;3474;C<6;=2?2<4=6=16 :6<6436: G43 :;4G29E 3474;C >? 3")" 56; D>9=1 >G6H6;>8=>?=16342:3474;C=16;2B8947143?4276:=> :6:8<= 5;>?6332>947 =4K >? 3 69<6 4?=6;
:6:8<=29E 3=>G4;:35;>?6332>947=4K=16D>9=17C 29<>D6>?=16:6<6436:<>D63=> 3""">=16342:
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29<>D6=16;2B8947143;2E1=7C4::6: />94<<>89=>? ?8=8;6 5;>356<=3 29 H26G >? =16 74G 742: :>G9 BC =16 >93=2=8=2>9 69<1 >? =16 85;6D6 >8;= 29 ! . $" ! ! / ! 0 183 =16 D>9=17C 29<>D6 <>D63 => 3 29<6 =16;6 4;6 =G> :6569:69=3=16;2B8947143;2E1=7C:6:8<=6:;:>?=16 29<>D6 >? =16 :6<6436: =>G4;:3 56;3>947 6K569363 49:
;6D42929E 4D>89= 143 => B6 =4J69 43 123 <>9=;2B8=2>9 => =16?4D27C16:6<6436:G434E6:4B>8=C64;34==16 =2D6 >? =16 4<<2:69= 49: D87=25726; 45572<4B76 => 123 4E6 E;>85 23 @A 183 =16 <742D49=3 4;6 69=2=76: => <>D56934=2>9>?1--,$ 3LLL' >94<<>89=>?@7>33>?:6569:69<CA
9 4::2=2>9 =16 <>D56934=2>9 4G4;:6: BC =16 ;2B894789:6;164:323F83=49:;643>94B76
183 =16 <742D49=3 4;6 69=2=76: => =16 ?>77>G29E <>D56934=2>9*
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4' 16455647236<<=4:8536;7 B' 16F8:ED69=>?=16742D3;2B894723D>:2?26: <' 16<742D49=34;669=2=76:=>4=>=47<>D56934=2>9>? 1----,434E4293= 3 )"""4G4;:6: BC=16;2B8947 :' ->77>G29E=16F8:ED69=>?=16 2H232>969<1>?=123 >8;= 29 =16 <436 >? >!&" !?
$385;4' =16 69=2;6 <>D56934=2>9 31477 <4;;C 29=6;63= 4= / 54293=64:>?,/4G4;:6:BC=16;2B8947
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6' 16 938;49<6 >D549C 23 :2;6<=6: => :65>32= =16 <>D56934=2>94D>89=47>9EG2=129=6;63=4=/54 ?;>D =16 :4=6 >? ?2729E >? =16 <742D 56=2=2>9 =277 =16 :4=6>?;6472M4=2>9G2=129456;2>:>?32KG66J3?;>D =16:4=6>?;6<625=>?4<>5C>?=123F8:ED69= ?' 16 455>;=2>9D69= :65>32= 49: ;676436 >? 4D>89= 31477 B6 D4:6 29 4<<>;:49<6 G2=1 =16 =6;D3 >? =16 4G4;:>?=16;2B8947 E' 16 4D>89= 29 :65>32= 2? 49C 23 >;:6;6: => B6 =;493?6;;6:=>=16;2B8947
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