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High Court of Karnataka · body
2025 DAILYLAW 58744 (KAR)
THE MANAGER THE CHOLAMANDALAM MS GENERAL INSURANCE CO. LTD., v. RADHIKA AND ORS
MFA/201530/2024 · 2025-11-21
H T Narendra Prasad, Tyagaraja N Inavally
body2025
[ 2025 DAILYLAW 58744 (KAR) · dailylaw.ai ]
[ 2025 DAILYLAW 58744 (KAR) · dailylaw.ai ]
Judgment text
Extracted from the PDF above. The PDF is authoritative.
- 1 -
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Digitally signed by VARSHA N RASALKAR Location: HIGH COURT OF KARNATAKA
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/01 233425 67849 4:;0<7 ,#& <= ;/4 <;<9 %4/0:541:; -#/494072=;4994=49948;<21>;/4:;?
=<9 1/<9;& /21 @447 =0548 @A ;/4 716927:4 <B327A :/25547C07C ;/4 D68CB47; 278 2E298 82;48 (
- 3 -
321148@A;/4<69;<=;/4885470<90F05$68C4278
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2:;1 C0F07C 9014 ;< ;/4 =0507C <= ;/4 233425 @904=5A 1;2;48 294 ;/2; <7 E/47 ;/4 84:42148 2DG6B29E2139<:44807C<7/01B<;<9:A:5435478<93561 @42907C 94C01;92;0<7 <- ;< 2772550 ;< 2;;478;</0186;A2;927:/ 2;;/2;;0B4 2E292D 92:;<9 @42907C 94C01;92;0<7 <- E/0:/ E21 @407C 890F47 07 2 921/ 278 74C50C47; B27749 821/48 2C2071; ;/4 84:42148 1 2 94165; <= ;/4 2=<941208 2::0847;
;/4 84:42148 161;20748 C904F<61 07D69041 278 16::6B@48;<;/407D69041
/4 :520B27;1 =0548 2 34;0;0<7 67849 4:;0<7 )) <= ;/4 :; 144G07C :<B34712;0<7 =<9 ;/4 842;/ <= ;/4 84:4214825<7CE0;/07;4941; ( 3<7 149F0:4 <= 7<;0:4 ;/4 9413<7847;1 23342948 ;/9<6C/ :<67145 278 =0548 E90;;47 1;2;4B47; 847A07C ;/4 2F49B47;1B28407;/4:520B34;0;0<7
- 4 -
7 ;/4 @2101 <= ;/4 3542807C1 <= ;/4 329;041 ;/4 520B190@6725=92B48;/4011641278;/4942=;49 94:<9848 ;/4 4F0847:4 /4 90@6725 @A 0B36C748 D68CB47; 278 2E298/21329;5A255<E48;/4:520B34;0;0<7278/458;/2; ;/4 :520B27;1 294 47;0;548 ;< 2 :<B34712;0<7 <= 1,
- 25<7CE0;/07;4941;2;;/492;4<=)H32 278 8094:;48 ;/4 716927:4 <B327A ;< 843<10; ;/4 :<B34712;0<7 2B<67; 25<7C E0;/ 07;4941; 407C 2CC904F48 ;/4394147;233425/21@447=0548 ) /45429748:<67145=<9;/4716927:4<B327A/21 920148;/4=<55<E07C:<7;47;0<71'
#2& 091;5A ;/4 84:42148 E21 2C48 A4291 2; ;/4 ;0B4 <= ;/4 2::0847; /4 90@6725 /21 28848 (H <= 07:<B4 <= ;/484:42148 ;<E2981=6;694 39<134:;1 071;428 <=H :<7;929A;<;/452E52088<E7@A;/434I<69;07 ;/4 :214 <=
- 5 -
#@& 4:<785A :<71084907C ;/4 2C4 278 2F<:2;0<7 <= ;/4 84:42148 ;/4 <F49255 :<B34712;0<7 2E29848 @A ;/4 90@6725 01 <7 /0C/49 1084 47:4 /4 1<6C/; =<9 255<E07C ;/4233425 , 49 :<7;92 5429748 :<67145 23342907C =<9 ;/4 :520B27;1920148;/4=<55<E07C:<67;49:<7;47;0<71'
#2& /4 :520B27;1 :520B ;/2; ;/4 84:42148 E21 E<9G07C21271101;27;474925272C490727G278 E21892E07C12529A<= 1, -1349;/4D68CB47;<= 34I<69;07;/4:214<=
!"#$% <6;<=;/4C9<1107:<B4 <75A39<=4110<725;2I27807:<B4 ;2I/2F4;<@48486:;486;;/490@6725/21:<71084948 ;/4 74; 07:<B4 <= ;/4 84:42148 =<9 21141107C 5<11 <= 84347847:A E/0:/01:<7;929A;<;/452E52088<E7@A;/4 34I<69;07;/42@<F41208:214
#@& 4:<785A :<71084907C ;/4 2C4 278 2F<:2;0<7 <= ;/4 84:42148 ;/4 <F49255 :<B34712;0<7 2E29848 @A ;/4
- 6 -
90@6725 01 D61; 278 9421<72@54 47:4 /4 1<6C/; =<9 801B01125<=;/4233425
4298;/45429748:<6714523342907C=<9;/4329;041 496148D68CB47;2782E298<=;/490@6725 - ;017<;0780136;4;/2; 2DG6B298048079<28;92==0: 2::0847; <::69948 <7 864 ;< 921/ 278 74C50C47; 890F07C <= 890F49 <= 92:;<9 @42907C 94C01;92;0<7 <- ;;/4;0B4<=2::0847; ;/484:42148E212C482@<6;
A4291 4 E21 E<9G07C 21 27 1101;27; 474925 272C49 07 27G 278 E21 892E07C 12529A <= 1, - 1349;/484:010<7<=;/4<7?@546394B4<69;07 ;/4 :214 <= #*+,- ,./,0 #16392& ;/4 <75A 8486:;0<7 ;/2;/21;<@4B284<6;<=;/4C9<1112529A01;/42B<67; ;<E298139<=4110<725;2I27807:<B4;2I292C923/-<= ;/4 1208 84:010<7 01 9454F27; 278 12B4 01 4I;92:;48 /49467849'
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7F04E<=;/452E52088<E7@A;/434I<69;07;/4 :214 <= #*+,- ,./,0 #16392& ;/4 39<=4110<725 ;2I 278 07:<B4;2I/2F4;<@48486:;48=9<B;/4C9<1112529A= 39<=4110<725;2I<= 1 018486:;48=9<BC9<1112529A <= 1, - /01 12529A :<B41 ;< 1, , 3B 69;/49 21 349 I)7:<B4 2I 4;697 =0548 =<9 ;/4 A429 84:42148/21320827762507:<B4;2I<= 1 278 /47:4 ;/4 1208 2B<67; /21 ;< @4 8486:;48 =9<B /01 277625 07:<B4 /4 277625 07:<B4 <= ;/484:42148E<9G1<6;;< 1
(-)# 1, ,I & 6; <= ;/4 1208 277625 07:<B4 ;/4 07:<B4 ;2I <= 1 /21 ;< @4 8486:;48 ::<9807C5A ;/4 277625 07:<B4<=;/484:42148:<B41;< 1- , ,( 7 F04E <= D68CB47; <= 34I <69; 07 :214 <=
'(% H <= ;/4 07:<B4 <= ;/4 84:42148 /21 ;< @4 28848 =<9 =6;694 39<134:;1 ::<9807C5A 2=;49 28807C =6;694 39<134:;1 ;/4 07:<B4 <= ;/4 84:42148 :<B41 ;< 1
/4 B65;035049 23350:2@54;<;/42C4C9<6301>?07:4;/494294;/944
- 11 -
84347847;1 98 07:<B4 <= ;/4 84:42148 /21 ;< @4 8486:;48 =<9 3491<725 4I347141 278 94B20707C /21 ;< @4 ;2G47 21 :<7;90@6;0<7 ;< =2B05A /61 ;/4 :520B27;1 294 47;0;548 =<9 :<B34712;0<7 ;<E2981 5<11 <= 84347847:A 2B<67;07C ;< 12334 # 1
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'(' :520B27;< E0=4<= ;/484:421480147;0;548=<9:<B34712;0<7<=14 67849 ;/4 /428 <= .5<11 <= 13<6125 :<71<9;06B. :520B27; <1 278 :/058947 <= ;/4 84:42148 294 47;0;548 =<9 :<B34712;0<7 <= 14 42:/ 67849 ;/4 /428 <= >5<11<=32947;25:<71<9;06B? 7 2880;0<7
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2& /423342501,--/69*.5,07 @& /4 D68CB47; <= ;/4 520B1 90@6725 01 B<80=048 :& /4 :520B27;1 294 47;0;548 ;< 2 ;<;25 :<B34712;0<7 <= 124 21 2C2071; 1,
- 2E29848@A;/490@6725
- 13 -
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;/4 :<B34712;0<7 2B<67; 25<7C E0;/ 07;4941; 2;)H32=9<B;/482;4<==0507C<=;/4:520B 34;0;0<7 ;055 ;/4 82;4 <= 94250J2;0<7 E0;/07 2 3490<8<=10IE44G1=9<B;/482;4<=94:403;<= 2:<3A<=;/01D68CB47; 4& /4 233<9;0<7B47; 843<10; 278 9454214 <= 2B<67; 1/255 @4 B284 07 2::<9827:4 E0;/ ;/4 ;49B1<=;/42E298<=;/490@6725 =& B<67; 07 843<10;
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