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2025 DAILYLAW 64858 (KAR)

THE GENERAL MANAGER ORIENTAL INS. CO. LTD., v. RAMESH AND ORS

MFA/204290/2023 · 2025-11-19

H T Narendra Prasad, Tyagaraja N Inavally

body2025

Judgment text

Extracted from the PDF above. The PDF is authoritative.

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