Research › Search › Judgment
High Court of Karnataka · body
2025 DAILYLAW 58767 (KAR)
ICICI LOMBARD GENERAL INS. CO. LTD., v. MOHD.RAFEEQ AND ANR
MFA/201865/2017 · 2025-06-19
Ravi V Hosmani
body2025
[ 2025 DAILYLAW 58767 (KAR) · dailylaw.ai ]
[ 2025 DAILYLAW 58767 (KAR) · dailylaw.ai ]
Judgment text
Extracted from the PDF above. The PDF is authoritative.
- 1 -
!" #$
%$!&&! !!''
(&) *
! "
"
#$%$&'
'
"
" ()'**+ #$%$&
, '
! -
"
'&!'&! )
"
*.*'&. Digitally signed by RAMESH MATHAPATI Location: HIGH COURT OF KARNATAKA
- 2 -
"
/ "
$ 0122345645 7895:34; 149 1<1=9 91;39 '&!'&! >1??39 @A )996;6B412 346B= 6C62 "8953 149 B;B= DD6934;
216:?=6@8412121@8=156644B*.*'&.;06?1>>3126? E6239
' =6 8@01?0 1221>8= 231=439 DB84?32 ?8@:6;;39 ;01; 1>>312 <1? @A 64?8=3= D0122345645 1<1=9 B4 261@626;A ;
<1??8@:6;;391? >3=D216:14;B4 &'&'D216:14;<1? ;=1C322645 1? >6226B4 B4 :B;B=DAD23 @31=645 =356?;=1;6B4 4B) ').*.. B4 "3<1=56)0101>8= =B19 <034 =693= BE 14B;03= :B;B=DAD23 @31=645 =356?;=1;6B4 4B) ')(! % =B93 6; 64 1 =1?014943526534;:1443=14991?03915164?;:B;B=DAD23B4 <06D0D216:14;<1?=696454?1691DD6934;D216:14;?8?;16439 5=63CB8?6478=63?<06D0=3?82;3964>3=:1434;96?1@626;A2B??BE 31=4645 D1>1D6;A 93?>6;3 D216:14; ;1F645 ;=31;:34; 0B850 D216:>3;6;6B4<1?E623915164?;B<43=14964?8=3=BEBEE349645 :B;B=DAD23B<43=64?8=39=3:164393G>1=;34?8=3=019E6239
- 3 -
B@73D;6B4?4B;B42A934A645C6B21;6B4BE;3=:?149DB496;6B4?BE >B26DAD216:@36453GD3??6C3@8;12?BB45=B849;01;64?8=3= <1?4B;261@23;B>1ADB:>34?1;6B4
03=31E;3= =6@8412 E=1:39 6??83? 149 =3DB=939 3C6934D3 216:14; 3G1:6439 06:?32E 1? 149 =@982 1HH1B561?'1495B;:1=F399BD8:34;?1?G?;B 4?8=3=3G1:64396;?BEE6D6121? 149'1? ' G? ;B .<3=35B;:1=F39
. 4 DB4?693=1;6B4 =6@8412 0329 1DD6934; BDD8==39 983 ;B =1?0 149 43526534; =69645 BE 64?8=39 :B;B=DAD23 @A 6;? =693= D216:14; 019 ?8?;16439 96?1@626;A 149 34;6;239 EB= DB:>34?1;6B4E=B:64?8=3=93;3=:64391?EB22B<? !+ ,-./ 0123
B<1=9?>164149?8EE3=645 ?&&&&) ' B<1=9?2B??BEE8;8=364DB:3 ?$'&&)
B<1=9? 1;;34914; D01=53? EBB9 149DB4C3A14D3D01=53? ?'$&&) . B<1=9?:396D123G>34?3? ?* '&&) $ B<1=9?2B??BE64DB:398=645;03 ;=31;:34; ?$&&&) * B<1=9? 2B?? BE 1:346;63? 149 48;=6;6B4EBB9 ?&&&&)
3-+
/
"4
- 4 -
$ 55=63C3964?8=3=<1?641>>312;<1??8@:6;;39 1?>3=D216:14;1DD6934;BDD8==39B4 &'&'1;! &>:
0B<3C3= DB:>2164; <1? E6239 1E;3= ;<B 91A? B4 $&'&' 56C645 =6?3 ;B ?8?>6D6B4 1@B8; E12?3 6:>26D1;6B4 BE 64?8=39 :B;B=DAD23 ;
<1? E8=;03= ?8@:6;;39 G ') 6?D01=53 ?8::1=A 6??839 @A 0B?>6;12 <03=3 D216:14; 019 ;1F34 ;=31;:34;6496D1;39;01;1DD6934;<1?D18?39@A@8EE12B;<1? ?8@:6;;39 ;01; ?169 96?D01=53 ?8::1=A <1? >=B98D39 149 :1=F39 @A ?1:3 9BD;B= 3G1:6439 @A D216:14; 1:3 <B829 DB4;=196D; >B26D3 64C3?;651;6B4 =3DB=9? 149 1??3=;6B4? @A D216:14; ; <1? E8=;03= ?8@:6;;39 ;01; G$)B;B= 306D23 4?>3D;B=I? =3>B=; 969 4B; 6496D1;3 14A 91:153? D18?39 ;B 64?8=39 :B;B=DAD23 03=3EB=3 6; <1? 1>>1=34; ;01; 64?8=39 :B;B=DAD23<1?E12?32A6:>26D1;39EB=>8=>B?3BED216:4?169 5=B849??B850;EB=122B<6451>>312
* 31=9231=439DB84?323=8?396:>854397895:34;
149 1<1=9 149 D3=;6E639 DB>63? BE 3G06@6;?93>B?6;6B4? :193 1C1621@23EB=>3=8?12@A231=439DB84?32EB=1>>32214;
- 5 -
! =B: 1@BC3 149 ?64D3 64?8=3= 6? 64 1>>312 H83?;6B46451<1=9B45=B849BE261@626;AB42A>B64;;01;<B829 1=6?3EB=DB4?693=1;6B46? J03;03= 6:>85439 7895:34; 149 1<1=9 ?8EE3=? E=B: 64E6=:6;A 149 D122? EB= 64;3=E3=34D3 64?BE1=1?E6G1;6B4BE261@626;AB464?8=3=KL
% 3=8?12BE6:>854391<1=9<B8296496D1;364B=93= ;B 3?;1@26?0 1D;6B41@23 43526534D3 15164?; =693= BE 64?8=39 :B;B=DAD23D216:14;=326398>B4DB:>2164; D01=53?033; D=6:393;162EB=:149:B;B=C306D2364?>3D;B=I?=3>B=;:1=F39 1? G? ;B $ 1? <322 1? <B849 D3=;6E6D1;3 96?1@626;A D3=;6E6D1;314996?D01=53?8::1=A:1=F391?G?!;B(3;D ; 6? 4B; 64 96?>8;3 ;01; 6::3961;32A 1E;3= 1DD6934; D216:14; <1? 19:6;;39 ;B 1B56 B?>6;12 <03=3 03 ;BBF ;=31;:34; 1? 64>1;634; EB= '$ 91A? ? >3= ;=31;:34; =3DB=9?
D216:14;
?8?;16439 DB::648;39 @6DB49A21= E=1D;8=3 BE 23E; 8>>3= ;6@61 64D3 D216:14; <1? 19:6;;39 ;B 0B?>6;12 6::3961;32A 1E;3= 1DD6934;:3=39321ABE;<B91A?64E62645DB:>2164;<B8294B;
@A 6;?32E 6:>2A E12?3 6:>26D1;6B4 BE 64?8=39 :B;B=DAD23 3?>3D6122A <034 >B26D3 1E;3= 64C3?;651;6B4 E6239 D01=53 ?033;
15164?; =693= BE 64?8=39 :B;B=DAD23 EB= BEE34D3? >846?01@23
- 6 -
8493= 3D;6B4? '!( ! 149 % BE =< 3D;6B4 %! BE B;B= 306D23? D; 03=3EB=3 ?169 DB4;34;6B4 BE 64?8=3= 6? 261@23EB==373D;6B4
( 4?BE1= 1? DB4;34;6B4 ;01; ;=31;:34; =3DB=9? 41:32A96?D01=53?8::1=A14919:6??6B4D1=9BED216:14;64 0B?>6;12<B8296496D1;306?;B=ABE6478=63?1?D18?39@A@8EE12B 6; 6? ?334 ;01; G? ' 149 <3=3 :1=F39 64 93>B?6;6B4 BE ') =@9821HH1B56<0B64D6934;122A<1?12?B3G1:6439 @A D216:14; 1? ' 8; D216:14; <1? 4B; DB4E=B4;39 <6;0 ?1699BD8:34;?C34DB4;34;6B4;01;B;B=306D234?>3D;B=I? =3>B=;EB8494B91:153?6;6??33464?8=3=9694B;D0BB?3;B 3G1:643=693=BE64?8=39:B;B=DAD23B==693=BE:B;B=DAD23B4 <06D0 D216:14; <1? =69645 >6226B4 <0B <B829 01C3 3G>216439 :1443= BE BDD8==34D3 BE 1DD6934; 4 D1?3 DB4;1D; >B64; @3;<334;<BC306D23?<3=3;B64CB2C3E=B4;<0332;A=3?;03=3 <B829@34BC6?6@2391:1531D;;01;>B26D3E6239D01=53?033;
149 =6@8412 =32639 B4 ?169 :1;3=612 ;B DB:3 ;B DB4D28?6B41@B8;43526534D3D144B;@3?169;B@3DB4;=1=A;B 21<
- 7 -
& B=3BC3= 4B'&.!'&! E6239 @A 64?8=3= D01223456451<1=9644B$.%'&.<06D01=B?3E=B:C3=A ?1:3 1DD6934; 6? 96?:6??39 EB= 4B4)>=B?3D8;6B4 =3493=645 1<1=9 15164?; 64?8=3= E6412 03=3EB=3 9B 4B; ?33 14A 5BB9 5=B849?;B64;3=E3=3<6;06:>854391<1=9
08? >B64; EB= DB4?693=1;6B4 6? 14?<3=39 64 4351;6C3
' B4?3H834;2A 1>>312 6? 96?:6??39 :B84; 64 93>B?6;
6? B=93=39 ;B @3 ;=14?:6;;39 ;B =6@8412 EB= 96?@8=?3:34; 1214D3 1:B84; 6E 14A ;B @3 93>B?6;39 <6;064 ?6G<33F? !.4 (&&!) $
6?;
B2
B ( ;,F