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High Court of Karnataka · body
2025 DAILYLAW 58407 (KAR)
M/S SHIRAM GENERAL INSURANCE CO. LTD. v. SMT.SAVITRI AND ORS
MFA/201742/2019 · 2025-08-05
H P Sandesh, T M Nadaf
body2025
[ 2025 DAILYLAW 58407 (KAR) · dailylaw.ai ]
[ 2025 DAILYLAW 58407 (KAR) · dailylaw.ai ]
Judgment text
Extracted from the PDF above. The PDF is authoritative.
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3 &# " C=62 627 D3A87A6 3? <7:;A7> D34A87< :BB7:;=A5?3;B:;6=78627E:;76:@7A4B?3;?=A:<>=8B38:<
3 &# " =8 ?=<7> FE 627 A84;:AD7 39B:AE :A> 3%! =8 ?=<7> FE 627 D<:=9:A68 D2:<<7A5=A5 627 G4>597A6 :A> :C:;> >:67>
"B:887>FE6277A=3;=H=<4>57:A>:A> =A5:8454; (?3; 823;6 I627 ;=F4A:<J) =A 3&% &
7:;> 627 <7:;A7> D34A87< :BB7:;=A5 ?3; 627 A84;:AD7D39B:AE:A><7:;A7>D34A87<:BB7:;=A5?3;627 D<:=9:A68
# =AD7 627 <=:F=<=6E 2:8 F77A ?:867A7> 3A 627 A84;:AD7 39B:AE 627 :BB7<<:A6A84;:AD7 39B:AE 2:8D2:<<7A57>627K4:A6493?D39B7A8:6=3A:C:;>7>3A
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627 5;34A>8 62:6 =6 =8 3A 627 2=527; 8=>7 :A> 62:6 627 :8B7D6 3? D3A6;=F463;E A75<=57AD7 C:8 A36 6:@7A =A63 D3A8=>7;:6=3A FE 627 ;=F4A:< 27 <7:;A7> D34A87< :BB7:;=A5 ?3; 627 :BB7<<:A6A84;:AD7 39B:AE =A 3 &# " H72797A6<E 84F9=667> 62:6 627 ;=F4A:< 2:8 :887887> 627 =AD397 3? 627 >7D7:87> :6 8 B7; 93A62 C2=D2 =8 3A 627 2=527; 8=>7 >78B=67 A3 >3D497A6:;E 7H=>7AD7 2:H=A5 F77A B;3>4D7> 63 84BB3;6 84D2:A=AD397784F9=6862:6627:BB7:<2:8F77A?=<7> 3A 6C3 D34A68 ?=;86<E 627 ;=F4A:< 2:8 6:@7A : 2=527;
=AD397 C=62346 F7=A5 :AE B;33? ?3; 84D2 =AD397 :A> 87D3A><E627;=F4A:<2:8?:=<7>63D3A8=>7;627:8B7D63? A75<=57AD7
! <7:;A7> D34A87< :BB7:;=A5 ?3; 627 D<:=9:A68 H72797A6<E D3A67A>7> 62:6 627 D<:=9:A68 2:H7 B;3>4D7> <=D7AD7 F7?3;7 627 ;=F4A:< 63 823C 62:6 627 >7D7:87> C:8 >3=A5 627 F48=A788 3? ?7;6=<=L7; 7 :<83 D3A67A>7>62:6627;=F4A:<2:8D399=667>:A7;;3;=AA36 :>>=A5 ?464;7 B;38B7D68 63 627 =AD397 3? 627 >7D7:87>
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=AD7627:573?627>7D7:87>C:8#E7:;8:83A627>:67 3?627:DD=>7A6627;=F4A:<34526632:H7:>>7>#M3? 627=AD39763C:;>8?464;7B;38B7D68
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627 A84;:AD7 D39B:AE :A> <7:;A7> D34A87< ?3; 627 D<:=9:A68627B3=A662:6C34<>:;=87?3;34;D3A8=>7;:6=3A =8+
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F362 627 B:;6=78 :A> 3A B7;48:< 3?
627 9:67;=:< :H:=<:F<7 3A;7D3;>=6=8D<7:;62:66273DD4;;7AD73?627:DD=>7A6=8 A36=A>=8B467279:=AD3A67A6=3A3?627<7:;A7>D34A87< :BB7:;=A5 ?3; 627 A84;:AD7 39B:AE =8 62:6 627 =AD397 :887887>FE627;=F4A:<C:83A6272=527;8=>7A3;>7;
63 B;3H7 627 ?:D6 62:6 627 >7D7:87> C:8 ;4AA=A5 627 F48=A788 627 D<:=9:A68 2:H7 B;3>4D7> 627 >3D497A6 3? - 8 -
<=D7AD7 :6 N # F7?3;7 627 ;=F4A:< B:;6 ?;39 62:6 7>57; :DD34A6 =8847> FE :A49:A 5;3 57AD=78 $=>3>4; :;7 :<83 B;3>4D7> :A> 9:;@7> :8 N8 63 7:;A7>D34A87<:<83D3A67A>7>62:6=A627:F87AD7 3? :AE >3D497A6:;E B;33? C=62 ;75:;> 63 627 =AD397 623452 27 C:8 ;4AA=A5 627 F48=A788 627 ;=F4A:< 34526 A36632:H76:@7A6278:=>=AD3973C7H7;627<7:;A7> D34A87<>378A36>=8B467627?:D662:6?464;7B;38B7D68=8 A36:>>7>C2=<7D:<D4<:6=A5<3883?>7B7A>7ADE
3C7H7;627D3A67A6=3A3?627<7:;A7>D34A87< :BB7:;=A5 ?3;627 D<:=9:A68 =8 62:6627=AD397 6:@7A FE 627;=F4A:<=8H7;E97:57;:A>627;=F4A:<:<837;;7>=A A36 :>>=A5 ?464;7 B;38B7D68 63 627 =AD397 3? 627 >7D7:87>
" A 627 :F87AD7 3? :AE >3D497A6:;E B;33? C=62 ;75:;> 63 627 =AD397 3? 627 >7D7:87> 627 ;=F4A:< 2:8 6:@7A 627 =AD397 :6 8 B7; 93A62 D3A8=>7;=A5 627?:D662:6 627>7D7:87>C:8 ;4AA=A5 F48=A788 :A> 627
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D<:=9:A68 2:H7 B;3>4D7> 627 >3D497A68 :6 N8 63 :8 C7<< :8 N # C2=D2 :;7 <=D7AD7 :A>
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27 ;=F4A:< 2:8 5;:A67> D39B7A8:6=3A FE :88788=A5 627 =AD397 :6 8 B7; 93A62 23452 627;=F4A:<2:8A36:>>7>?464;7B;38B7D6863627=AD397 3?627>7D7:87>C7?=A>62:6627;7=8:A7;;3;3A627B:;6 3? 627 ;=F4A:< =A 5;:A6=A5 D39B7A8:6=3A FE 6:@=A5 627 =AD397 :6 8 B7; 93A62 C2=D2 =8 3A 627 2=527;
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8=>7 3C7H7; 7H7A =? 627 =AD397 =8 D3A8=>7;7> :8 8 !B7;93A62C=62627:>>=6=3A3?!M63C:;>8 ?464;7 B;38B7D68 627 D39B7A8:6=3A C34<> :BB;3N=9:67<E D397 63 627 8:97 D39B7A8:6=3A :8 62:6 :C:;>7> FE 627 ;=F4A:<7AD7C7?=A>A35;34A>863=A67;?7;7C=62627 K4:A6493?D39B7A8:6=3A:C:;>7>
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7N6;:D6:A>IJ;75=867;7N6;:D6 A627:F87AD73?:AE7H=>7AD77=627;3;:<3;>3D497A6:;E C=62 ;75:;> 63 627 A75<=57AD7 627 34;6 D:AA36 :88497 :A>B;78497:AE62=A57AD7C7>3A36?=A>:AE9:67;=:< 63=A67;?7;7C=62627?=A>=A53AA75<=57AD7
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3C7H7; =A83?:; :8 627 D3A67A6=3A 3?
627 <7:;A7> D34A87< :BB7:;=A5 ?3; 627 =A84;:AD7 D39B:AE =A ;78B7D6 3? :C:;>=A5 3? =A67;786 FE 627 ;=F4A:< :6 "M =8 D3AD7;A7>627;=F4A:<2:8A36>=8D4887>:AE62=A5:F346 627:DD7B6:AD73?627G4>597A63?3AJF<74B;79734;6 =A 627 D:87 3? *' $ +
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# *27A 84D2 F7=A5 627 D:87 627 3A<E 5;34A> 9:>7346FE627A84;:AD739B:AE=8?3;93>=?=D:6=3A3? 627=A67;786;:67?;39"M63%M7AD7627:BB7:<?=<7> FE 627 =A84;:AD7 D39B:AE =8 <=:F<7 63 F7 B:;6<E :<<3C7> A83?:; :8 627 D;3883FG7D6=3A ?=<7> FE 627 D<:=9:A68 877@=A57A2:AD797A63?D39B7A8:6=3AC7>3A36?=A>:AE 97;=6=A627D;3883FG7D6=3A637A2:AD7627D39B7A8:6=3A
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7AD7 C7 :A8C7; 627 :F3H7 B3=A6 ?3; D3A8=>7;:6=3A =A A75:6=H7
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H 27 F:<:AD7 :934A6 =8 B:E:F<7 FE 627 :BB7<<:A6A84;:AD739B:AEC=62=A:B7;=3> 3?8=NC77@8?;3963>:E
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