[2025:RJ-JP:14529] HIGH COURT OF JUDICATURE FOR RAJASTHAN BENCH AT JAIPUR S.B. Civil Miscellaneous Appeal No. 3731/2007 1. Smt. Nirmla Devi wife of Late Rakesh Kumar, 2. Monu aged about 6 years son of Late Rakesh Kumar, 3. Paras aged about 3 years son of Late Rakesh Kumar, 4. Ku. Baby aged about 15 months daughter of Late Rakesh Kumar. (Nos. 2 to 4 all are minor through their natural guardian their mother Smt. Nirmla Devi wife of Late Rakesh Kumar, All resident of Tasimo, Tehsil Sepau, District Dholpur (Rajasthan)) ----Appellant Versus 1. The Oriental Insurance Company Limited through its Regional Manager, Having its regional office at Anand Bhawan, Sansar Chandra Road, Jaipur. 2. Mohammed Chand @ Chanda son of Hazi Mohammed, resident of Kagarol, Tehsil Kheragarh, District Agra (U.P.). 3. Smt. Shushila Devi wife of Ashok Kumar, resident of Industrial Area, Dholpur, presently resident of Ajit Nagar, Khariya Mod, Jagner Road, Police Station, Shahganj, Agra (U.P.). ----Respondent For Appellant(s) : Mr. Dinesh Kumar Garg, Adv. For Respondent(s) : Mr. Anil Sharma, Adv. Mr. Deepak Sharma, Adv. HON'BLE MR. JUSTICE UMA SHANKER VYAS Judgment / Order 01/04/2025 nkosnkj@vihykFkhZx.k ¼vkxs **nkosnkj** dgk tkosxk½ }kjk ;g vihy fo}ku eksVj okgu nq?kZVuk nkok vf/kdj.k ¼fo'ks"k [2025:RJ-JP:14529] (2 of 5) [CMA-3731/2007] U;k;k/kh'k] MdSrh izHkkfor {ks=½] /kkSyiqj }kjk Dyse ;kfpdk la[;k 378@2005 esa ikfjr fu.kZ; ,oa vokMZ fnukad 19-07-07 ¼vkxs **vk{ksfir vokMZ** dgk tkosxk½ ls O;fFkr gksdj izfrdj jkf'k esa c<ksrjh gsrq izLrqr dh x;h gSA vk{ksfir vokMZ ds ek/;e ls nkosnkjku dks v/khuLFk vf/kdj.k }kjk dqy 2]82]000@&:i;s dk iapkV ikfjr djrs gq, 50 izfr'kr dh jkf'k izR;FkhZ dze&1 o 2 ls la;qDr :i ls rFkk 'ks"k 50 izfr'kr jkf'k izR;FkhZ dze&3 ls izkIr djus dk vf/kdkjh ekuk x;k gSA bl izdj.k esa vkjksfir okgu ds Lokeh@pkyd vFkok chek daiuh }kjk dksbZ vihy izLrqr ugha dh x;h gSA fo}ku vf/koDrk vihykFkhZx.k }kjk fuosnu fd;k x;k fd nksuksa okgu pkydksa dh ykijokgh ls ;g nq?kZVuk dkfjr gqbZ gS] e`rd fdlh Hkh okgu ij pkyd ugha Fkk] vr% ekeyk va'knk;h ykijokgh dk ugha gksdj daiksftV ykijokgh dk gSA fdlh Hkh okgu Lokeh vFkok mudh chek dEiuh ls nkosnkjku chek jkf'k izkIr djus ds vf/kdkjh gSaA vf/kdj.k }kjk tks 50&50 izfr'kr jkf'k ds laca/k esa olwyh dk vf/kdkj fn;k gS] og fof/k&lEer ugha gSA vius rdksaZ ds leFkZu esa U;kf;d n`"VkUr Khenyei Vs New India Assurance Co. Ltd. (2015) 3 SCC(Cri.) 766 izLrqr dj ;g Hkh fuosnu fd;k fd Hkfo"; esa vk; o`f) dk ykHk Hkh nkosnkjku dks ugha fnyk;k x;k gSA blh izdkj ijEijkxr 'kh"kZd ds en esa izfrdj jkf'k dks vi;kZIr gksuk crkrs gq, ;Fkksfpr jkf'k fnyk;s tkus dk fuosnu fd;kA blds foijhr izR;FkhZ@chek dEiuh ds fo}ku vf/koDrk dk rdZ jgk gS fd ftl thi vkj-ts-11&lh&0576 esa e`rd [2025:RJ-JP:14529] (3 of 5) [CMA-3731/2007] lokj Fkk] og izR;FkhZ&chek dEiuh ds ;gka chfer ugha Fkh] vr% chek dEiuh dk dksbZ nkf;Ro ugha curk gSA bl izdkj vihy [kkfjt fd;s tkus dk fuosnu fd;kA nksuksa i{kksa ds rdksZa ds lanHkZ esa vfHkys[k dk voyksdu fd;kA thi ;w-ih- 80&,y-&6247 rFkk vU; thi vkj-ts- 11&lh&0576 ds nksuksa pkydksa dh ykijokgh ls nq?kZVuk gksuk ekurs gq, vihyk/khu fu.kZ;@vokMZ ikfjr fd;k x;k gSA e`rd thi vkj-ts-11&lh&0576 esa lokj Fkk rFkk mDr okgu izR;FkhZ la[;k&3 ds LokfeRo dk gksdj rRle; izR;FkhZ&chek dEiuh ds ;gka chfer ugha Fkk] ysfdu vU; chfer okgu ds pkyd dh Hkh ykijokgh bl ekeys esa ekuh x;h gS] vr% ,slh fLFkfr esa ekuuh; loksZPp U;k;ky; ds Khenyei Vs New India Assurance Co. Ltd. mijksDr fu.kZ; esa izfrikfnr O;oLFkk ds vuqlkj e`rd dh lhek rd ekeyk daiksftV ykijokgh dk gS rFkk og fdlh Hkh ,d okgu ds Lokeh vFkok chek dEiuh ls ;g jkf'k olwy djus gsrq Lora= gS] rRi'pkr HkqxrkudrkZ okgu Lokeh vFkok chek dEiuh ls mDr jkf'k lacaf/kr ls olwy djus gsrq Lora= jg ldrh gSA bl izdkj nkosnkjku ds vf/kdkj dks lhfer ugha fd;k tk ldrkA tgka rd e`rd dh vk; dk lac/k gS] ?kVuk ds le; mldh vk;q 32 o"kZ gksuk izdV gqvk gS rFkk mldk equhe vkSj ekcZy dVj@fQVj ds :i esa dk;Z djus dk rF; fopkj.k ds nkSjku lk{; ds ek/;e ls vk;k gS] vr% ,slh fLFkfr esa mls v)Z&dq'ky ds :i esa ekurs gq, rRle; izpfyr U;wure [2025:RJ-JP:14529] (4 of 5) [CMA-3731/2007] etnwjh nj 77@& :i;s izfrfnu ds fglkc ls ;g jkf'k fnyk;k tkuk mfpr gSA e`rd ij mldh iRuh rFkk rhu cPps vkfJr Fks] vr% ekuuh; loksZPp U;k;ky; }kjk us'kuy ba';ksjsal dEiuh fyfeVsM cuke iz.k; lsBh o vU; ¼2017½ 16 ,l-lh-lh- 680 esa izfrikfnr fl)kUrksa ds vuqlkj mlds thfor jgus ij 1@4 fgLlk jkf'k dVkSrh fd;k tkuk mfpr Fkk] tcfd vf/kdj.k }kjk 1@3 fgLlk jkf'k de fd;k tkuk vfHkfu/kkZfjr fd;k gSA rnuqlkj vk; gkfu dh x.kuk dh tkos rks 77x30x12x17x3@4= 3]53]430@& #i;s gksrh gS ftl ij Hkfo"; dh izR;k'kk ds en esa 40 izfr'kr jkf'k 1]41]372@& :i;s tksMs tkus ij ;g jkf'k 4]94]802@& :i;s curh gS] tcfd fo}ku vf/kdj.k }kjk bl en esa 2]72]000@& :i;s fnyk;s x;s gSa] bl izdkj vk; dh gkfu ds en esa vihykFkhZx.k 2]22]802@& :i;s vfrfjDr izkIr djus ds vf/kdkjh gSaA v/khuLFk vf/kdj.k }kjk vihykFkhZx.k dks e`rd ds izse&Lusg] laj{k.k] lkgp;Z vkfn ds oafpr gksus dh en esa dalksfVZ;e dh gkfu ds :i esa dqy 5]000@& :i;s fnyk;s x;s gSa] tcfd ekuuh; loksZPp U;k;ky; ds U;kf;d n`"Vkar Magma General Insurance Co. Ltd. Vs. Nanuram & Ors. Ltd. Vs. Nanuram & Ors. (2018) 18 SCC 130 esa ikfjr fl)kar ds vuqlkj izR;sd nkosnkj 40]000@&:i;s vFkkZr dqy 1]60]000@&:i;s izkIr djus ds vf/kdkjh gSA bl izdkj bl en esa 1]55]000@& :i;s dh c<ksrjh gksus ;ksX; gSA [2025:RJ-JP:14529] (5 of 5) [CMA-3731/2007] vafre laLdkj o laink dh gkfu ds en esa Hkh ek= 8]000@& :i;s fnyk;s x;s gSa] tcfd nkosnkj bl en esa dqy 30]000@& :i;s izkIr djus ds vf/kdkjh gSa] bl izdkj bl en esa Hkh 22]000@& :i;s c<ksrjh ;ksX; gSaA mijksDr foospukuqlkj tks v/khuLFk vf/kdj.k }kjk tks vokMZ ikfjr fd;k x;k gS mlds vfrfjDr nkosnkj@vihykFkhZx.k 3]99]802@&:i;s izkIr djus ds vf/kdkjh gSaA mijksDr foospukuqlkj vihykFkhZx.k dh vksj ls izLrqr ;g vihy vkaf'kd :i ls Lohdkj dh tkdj v/khuLFk vf/kdj.k }kjk ikfjr vokMZ o fu.kZ; fnukafdr 19-07-2007 dks mikUrfjr djrs gq, vkns'k fn;k tkrk gS fd fo}ku vf/kdj.k }kjk ikfjr vokMZ jkf'k ds vfrfjDr bl vkns'k ds rgr vihykFkhZx.k 3]99]802@& :i;s rFkk ml ij v/khuLFk vf/kdj.k esa ;kfpdk lafLFkr fd;s tkus dh fnukad ls olwyh rd 7 izfr'kr lk/kkj.k okf"kZd C;kt dh nj ls jkf'k izkIr djus dk vf/kdkjh gksaxsA vokMZ dh jkf'k nkosnkjku rhuksa izR;FkhZx.k ls la;qDr o i`Fkd&i`Fkd :i ls olwy djus ds vf/kdkjh gksaxs] vokMZ dh 'ks"k 'krsZa ;Fkkor jgsaxhA v/khuLFk vf/kdj.k dk vfHkys[k ;fn izkIr gks j[kk gS rks vkns'k dh izfr ds lkFk vfoyEc ykSVk;k tkosA (UMA SHANKER VYAS),J Mittal /29