[2026:RJ-JP:4495] HIGH COURT OF JUDICATURE FOR RAJASTHAN BENCH AT JAIPUR (1) S.B. Civil Miscellaneous Appeal No. 2712/2024 Oriental Insurance Company Ltd., Through Regional Manager, A- 5, Akashdeep Building, Transport Nagar, Jaipur (Raj.) (Insurance Company of Vehicle Dumper No. RJ-21-GA-8751) ----Non-Claimant No.3-Appellant Versus 1. Smt. Jayada W/o. Late Shri Hakim Ali, Aged 50 Years, 2. Munshi Khan S/o. Late Shri Hakim Ali, Aged 28 Years, 3. Aafsana Bano D/o. Late Shri Hakim Ali, Aged 23 Years, 4. Hussain Khan S/o. Shri Buddey Khan, Aged 70 Years, 5. Smt. Samtu W/o. Shri Hussain Khan, Aged 68 Years, All Residents of Village Neemod, District Nagaur At Present Resident of Karim Nagar, Luniyawas, District Jaipur (Raj.) ----Claimants-Respondents 6. Kirparam S/o. Shri Lakharam, Resident of Village Barangaon, P.S. Sadar, District Nagaur (Driver of Vehicle Dumper No. RJ-21-GA-8751) 7. Bhiyaram Gurjar S/o. Shri Guttaram Gurjar, Resident of Dev Nagar, Gurjar Kheda, Tausar, P.S. Kotwali, District Nagaur (Raj.) (Owner of Vehicle Dumper No. RJ-21-GA- 8751) ----Non-Claimants-Respondents Connected With (2) S.B. Civil Miscellaneous Appeal No. 2054/2024 1. Smt. Zaida W/o. Late Shri Hakim Ali, Aged About 50 Years, 2. Munshi Khan S/o. Late Shri Hakim Ali, Aged About 28 Years, 3. Afshana Bano D/o. Shri Hakim Ali, Aged About 23 Years, 4. Hussain Khan S/o. Shri Budde Khan, Aged About 70 Years, 5. Smt. Samatu W/o. Shri Husain Khan, Aged About 68 Years, All R/o. Village Neemod, District Nagaur, At Present Residing At Kareem Nagar, Luniyawas, District Jaipur. ----Claimants/Appellants Versus 1. Kiraparam S/o. Shri Lakharam, R/o. Village Barangaon, Police Station Sadar, District Nagaur. (Driver of Dampar No. RJ-21-GA-8751). [2026:RJ-JP:4495] (2 of 8) [CMA-2712/2024] 2. Bhiyaram Gurjar S/o. Shri Guttaram Gurjar, R/o. Dev Nagar, Gurjar Kheda, Tausar, Police Station Kotwali, District Nagaur (Owner of Dampar No. RJ-21-GA-8751). 3. Regional Manager, The Oriental Insurance Company Ltd. Address A-5, Akashdeep Building, Transport Nagar, Jaipur (Insurance Company of Dampar No. RJ-21-GA-8751). ----Non-Claimants/Respondents For Appellant(s) : Mr. Praveen Kumar Jain, Adv. (for Insurance Company) For Respondent(s) : Mr. Vinod Kumar, Adv. (for Claimants) Mr. Ishan Kumawat, Adv. (for Respondent No. 1 & 2 In S.B. CMA No. 2054/2024) HON'BLE MR. JUSTICE ASHUTOSH KUMAR Judgment 30/01/2026 1- ukWu DysesaV uEcj&3@vihykaV chek dEiuh ¼ftls vkxs ^vihykaV chek dEiuh* ds uke ls lacksf/kr fd;k tk,xk½ dh vksj ls izLrqr flfoy fofo/k vihy la[;k&2712@2024] ,oa nkokdrkZx.k@jsLiksaMsaV~l ¼ftUgsa vkxs ^nkokdrkZx.k* ds uke ls lacksf/kr fd;k tk,xk½ dh vksj ls izLrqr flfoy fofo/k vihy la[;k&2054@2024] mDr nksuksa nhokuh fofo/k vihysa /kkjk&173 eksVj okgu vf/kfu;e&1988 ds rgr U;k;ky; eksVj nq?kZVuk nkok vf/kdj.k la[;k&2] t;iqj egkuxj izFke ¼ftls vkxs ^fo}ku vf/kdj.k* ds uke ls lacksf/kr fd;k tk,xk½ }kjk Dyse ;kfpdk la[;k&164@2021] Jherh tk;nk o vU; cuke fdjikjke o vU; esa ikfjr fu.kZ; fnukad 03-04-2024 ¼ftls vkxs *vk{ksfir fu.kZ;* ds uke ls lacksf/kr fd;k tk,xk½ ds fo#) izLrqr dh xbZ gSA ftudk fuLrkj.k lqfo/kk dh n`f"V ls bl ,d fu.kZ; ds }kjk fd;k tk jgk gSA 2- nkokdrkZx.k tk;nk o vU; }kjk fo}ku vf/kdj.k ds le{k] eksVj okgu nq?kZVuk esa gdhe vyh dh e`R;q gks tkus ds QyLo:i dqy 1]65]00]000@& #i;s Dyse izkIr djus gsrq Dyse ;kfpdk izLrqr dh x;h [2026:RJ-JP:4495] (3 of 8) [CMA-2712/2024] FkhA fo}ku vf/kdj.k }kjk mDr Dyse ;kfpdk dk fuLrkj.k djrs gq, ;kphx.k dks dqy 61]34]932@& #i;s dh {kfriwfrZ jkf’k e; C;kt 06 izfr’kr lkykuk dh nj ls fnyokbZ x;h gSA fo}ku vf/kdj.k ds mDr vk{ksfir fu.kZ; ls O;fFkr gksdj vihykaV chek dEiuh dh vksj ls izLrqr flfoy fofo/k vihy la[;k&2712@2024] fo}ku vf/kdj.k }kjk ikfjr mDr vk{ksfir fu.kZ; dks fujLr djok;s tkus gsrq rFkk nkokdrkZx.k dh vksj ls izLrqr flfoy fofo/k vihy la[;k&2054@2024] fo}ku vf/kdj.k }kjk fnyokbZ xbZ {kfriwfrZ jkf'k esa c<+ksrjh fd;s tkus gsrq izLrqr dh x;h gSA 3- nkokdrkZx.k tk;nk o vU; }kjk izLrqr flfoy fofo/k vihy la[;k&2054@2024] dks nkokdrkZx.k }kjk izR;kg`r ¼withdraw½ djus dh vuqefr pkghA vr% nkokdrkZx.k dh vksj ls izLrqr vihy dks izR;kg`r ¼withdraw½ fd, tkus ds vk/kkj ij [kkfjt fd;k tkrk gSA 4- flfoy fofo/k vihy la[;k&2712@2024] ds laca/k esa nkSjkus cgl fo}ku vf/koDrk vihykaV chek dEiuh dk rdZ jgk gS fd okgu MEij la[;k&vkjts&21&th,&8751 ls dksbZ nq?kZVuk dkfjr ugha gqbZ gSA ekeys dh ?kVuk esa okgu MEij dks xyr :i ls fyIr fd;k x;k gS rFkk ekeys dh nq?kZVuk esa Lo;a e`rd dh ykijokgh jgh gS] ,slh fLFkfr esa e`rd dh ;ksxnk;h mis{kk ekuh tkosA fo}ku vf/koDrk vihykaV chek dEiuh dk ;g Hkh rdZ jgk gS fd e`rd dh e`R;q ds QyLo:i mlds ifjtuksa dks izfrekg ikfjokfjd isa'ku izkIr gks jgh gS] bl izdkj e`rd dh e`R;q ds QyLo:i mlds ifjtuksa dks fdlh izdkj dh dksbZ vk; dh gkfu ugha gqbZ gS] ,slh fLFkfr eas e`rd dh fu/kkZfjr vk; esa ls mlds ifjokjtu dks ikfjokfjd isa'ku ds QyLo:i izkIr gks jgh jkf'k dks e`rd dh fu/kkZfjr vk; esa ls ?kVk;k tkdj e`rd dh vk; fu/kkZfjr dh tkuh pkfg, Fkh] fdUrq ,slk ugha dj fo}ku vf/kdj.k }kjk =qfV dkfjr dh x;h gSA vr% mijksDr rdksZa ds vk/kkj ij vihykaV chek dEiuh dh vksj ls izLrqr flfoy fofo/k vihy la[;k&2712@2024 Lohdkj dh tkdj fo}ku vf/kdj.k ds vk{ksfir fu.kZ; dks vikLr fd;s tkus dh izkFkZuk dh x;hA [2026:RJ-JP:4495] (4 of 8) [CMA-2712/2024] 5- blds foijhr fo}ku vf/koDrk nkokdrkZx.k dh vksj ls vihykaV chek dEiuh ds mijksDr rdksZa dk fojks/k fd;k x;k o fo}ku vf/kdj.k ds fu.kZ; dh iqf"V fd;s tkus rFkk vihykaV chek dEiuh dh vksj ls izLrqr vihy dks vLohdkj dj [kkfjt fd;s tkus dh izkFkZuk dh x;hA 6- nksuksa i{kksa dh cgl lquh x;hA i=koyh o fo}ku vf/kdj.k ds vfHkys[k dk voyksdu fd;k x;kA flfoy fofo/k vihy la[;k&2712@2024 %& 7- fo}ku vf/koDrk vihykaV chek dEiuh dk eq[;r% ;g rdZ jgk gS fd okgu MEij la[;k&vkjts&21&th,&8751 ¼ftls vkxs ^iz'uxr okgu* ds uke ls lacksf/kr fd;k tk,xk½ ls dksbZ nq?kZVuk dkfjr ugha gqbZ gSA ekeys dh ?kVuk esa okgu MEij dks xyr :i ls fyIr fd;k x;k gS rFkk ekeys dh nq?kZVuk esa Lo;a e`rd dh ykijokgh jgh gS] ,slh fLFkfr esa e`rd dh ;ksxnk;h mis{kk ekuh tkosA 8- bl laca/k esa i=koyh ds voyksdu ls izdV gksrk gS fd ekeys dh ?kVuk fnukad 20-10-2020 dh crkbZ x;h gS rFkk oDr ?kVuk e`rd dks 49 o"kZ dh vk;q dk gksuk crkrs gq, Hkkjrh; lsuk esa lqcsnkj ds in ls lsokfuo`Ÿk deZpkjh gksdj izfrekg 40]000@& #i;s isa'ku izkIr djuk crk;k x;k gS rFkk lsokfuo`Ÿk gksus ds i'pkr~ isVªksy iEi ij flD;ksfjVh xkMZ dh ukSdjh dj izfrekg 20]000@& #i;s osru izkIr djuk crk;k x;k gS] bl izdkj e`rd dks izfrekg 60]000@& #i;s dh vk; vftZr djuk crk;k x;k gSA nkokdrkZx.k }kjk e`rd dh isa'ku fLyi izn'kZ&17 o izn'kZ&18 fo}ku vf/kdj.k ds le{k i=koyh ij is'k dh x;hA e`rd dh ekg flrEcj] 2020 dh isa'ku fLyi izn'kZ&17 esa e`rd dh lfoZl isa'ku 44]928@& #i;s rFkk Mh-vkj- vekmaV 6]528@& #i;s vafdr fd;k x;k gS] bl izdkj e`rd dh dqy ekfld isa'ku 44]928@& #i;s vafdr dh x;h gS] ftlds vk/kkj ij fo}ku vf/kdj.k e`rd dh ekfld vk; 44]928@& [2026:RJ-JP:4495] (5 of 8) [CMA-2712/2024] #i;s] rn~uqlkj okf"kZd vk; 5]39]136@& #i;s fu/kkZfjr djrs gq, mDr fu/kkZfjr okf"kZd vk; esa ls 17]071@& #i;s dh vk;dj dVkSrh djrs gq, e`rd dh dqy 'kq) okf"kZd vk; 5]22]065@& #i;s fu/kkZfjr dh x;h gSA bl laca/k esa vihykaV chek dEiuh }kjk ;g vkifŸk yh x;h gS fd e`rd ds ifjtuksa dks ikfjokfjd isa'ku orZeku esa Hkh izkIr gks jgh gS] bl dkj.k e`rd dh e`R;q ds QyLo:i nkokdrkZx.k dks vk; dh dksbZ gkfu ugha gqbZ gS] blfy, {kfriwfrZ jkf'k ds fu/kkZj.k gsrq ikfjokfjd isa'ku dks vk/kkj ugha ekuk tkuk pkfg, Fkk rks bl laca/k esa ekuuh; mPpre U;k;ky; }kjk U;kf;d n`"Vkar Sebastiani Lakra & Ors. Versus National Insurance Company Limited & Anr. reported in (2019) 17 Supreme Court Cases 465 ds ekeys esa fuEufyf[kr fl)kUr izfrikfnr fd;k x;k gS %& "12. The law is well settled that deductions cannot be allowed from the amount of compensation either on account of insurance, or on account of pensionary benefits or gratuity or grant of employment to a kin of the deceased. The main reason is that all these amounts are earned by the deceased on account of contractual relations entered into by him with others. It cannot be said that these amounts accrued to the dependents or the legal heirs of the deceased on account of his death in a motor vehicle accident. The claimants/dependents are entitled to "just compensation" under the Motor Vehicles Act as a result of the death of the deceased in a motor vehicle accident. Therefore, the natural corollary is that the advantage which accrues to the estate of the deceased or to his dependents as a result of some contract or act which the deceased performed in his life time cannot be said to be the outcome or result of the death of the deceased even though these amounts may go into the hands of the dependents only after his death. 13. As far as any amount paid under any insurance policy is concerned whatever is added to the estate of the deceased or his dependants is not because of the death of the deceased but because of the contract [2026:RJ-JP:4495] (6 of 8) [CMA-2712/2024] entered into between the deceased and the insurance company from where he took out the policy. The deceased paid premium on such life insurance and this amount would have accrued to the estate of the deceased either on maturity of the policy or on his death, whatever be the manner of his death. These amounts are paid because the deceased has wisely invested his savings. Similar would be the position in case of other investments like bank deposits, share, debentures, etc. The tortfeasor cannot take advantage of the foresight and wise financial investments made by the deceased. 14. As far as the amounts of pension and gratuity are concerned, these are paid on account of the service rendered by the deceased to his employer. It is now an established principle of service jurisprudence that pension and gratuity are the property of the deceased. They are more in the nature of deferred wages. The deceased employee works throughout his life expecting that on his retirement he will get substantial amount as pension and gratuity. These amounts are also payable on death, whatever be the cause of death. Therefore, applying the same principles, the said amount cannot be deducted." 9- bl izdkj Sebastiani Lakra (supra) ds ekeys esa ;g Li"V er vfHkfu/kkZfjr fd;k x;k gS fd e`rd dh e`R;q ds QyLo:i mlds ifjokjtu dks feyus okyh ikfjokfjd isa'ku o xszP;qVh jkf'k rFkk vU; dgha ls Hkh chek Lo:i dksbZ jkf'k nkokdrkZx.k dks izkIr gksrh gS rks mDr jkf'k dks eqvkots dh fu/kkZfjr jkf'k esa ls dkVk ugha tk,xkA bl izdkj fo}ku vf/kdj.k }kjk e`rd dh isa'ku fLyi ij fo'okl fd;k tkdj e`rd dh tks vk; fu/kkZfjr dh x;h gS] og mfpr izrhr gksrh gS] mlesa ge dksbZ gLr{ksi fd;k tkuk mfpr ugha le>rs gSaA vr% bl laca/k esa vihykaV chek dEiuh }kjk mBkbZ x;h vkifŸk vLohdkj dj [kkfjt fd;s tkus ;ksX; gSA 10- tgka rd fo}ku vf/koDrk vihykaV chek dEiuh dh vksj ls yh x;h vU; vkifŸk fd okgu MEij la[;k&vkjts&21&th,&8751 ¼ftls vkxs ^iz'uxr okgu* ds uke ls lacksf/kr fd;k tk,xk½ ls dksbZ nq?kZVuk dkfjr [2026:RJ-JP:4495] (7 of 8) [CMA-2712/2024] ugha gqbZ gSA ekeys dh ?kVuk esa iz'uxr okgu MEij dks xyr :i ls fyIr fd;k x;k gS rFkk ekeys dh nq?kZVuk esa Lo;a e`rd dh ykijokgh jgh gS] ,slh fLFkfr esa e`rd dh ;ksxnk;h mis{kk ekuh tkosA bl laca/k esa i=koyh ij layXu c;kuksa dk voyksdu fd;k tk, rks Lo;a e`rd dh iRuh Jherh tk;nk U;k;ky; ds le{k crkSj xokg ,-MCY;w&1 ds :i eas ijhf{kr gqbZ gS tks fd ekeys dh vkgrk Hkh gS] us vius c;ku esa ?kVuk dh iqf"V djrs gq, dFku fd;k gS fd dkj mlds ifr gdhe vyh pyk jgs FksA tc os ukxkSj ls ckgj fudys rc lqcg djhc 07%30 cts ,d gksVy ds lkeus ,d Vªd us mudh dkj ds VDdj ekj nhA VDdj ds ckn dkj iyV x;hA ekeys dh nq?kZVuk esa mlds] mlds iq=] iq=h o iq=o/kq ds xaHkhj pksVsa vkbZA nq?kZVuk eas mlds ilfy;ksa esa ÝsDpj gqvk rFkk nk;sa gkFk esa xaHkhj pksV dkfjr gqbZA ?kVuk ds le; og dkj esa ihNs cSBh FkhA bl izdkj mDr xokg ekeys dh p{kqn'khZ lkf{k;k jgh gS] ftlus vius c;ku esa ?kVuk dh iw.kZ :i ls iqf"V dh gSA lkFk gh nq?kZVuk ds laca/k esa iz'uxr okgu ds pkyd dks fn;s x;s uksfVl vUrxZr /kkjk 134 eksVj;ku vf/kfu;e izn'kZ&6 ds tokc esa Hkh iz'uxr okgu pkyd }kjk oDr ?kVuk iz'uxr okgu MEij dks Lo;a pyk jgk FkkA lkFk gh iz'uxr okgu pkyd ds fo#) ckn vuqla/kku U;k;ky; esa vkjksi&i= Hkh izLrqr fd;k tk pqdk gS] ftlls Hkh iz'uxr okgu dh fyIrrk nq?kZVuk esa lkfcr gksrh gSA fo}ku vf/koDrk vihykaV chek dEiuh }kjk mijksDr rF;ksa ds [k.Mu esa rFkk p{kqn'khZ lk{kh ds c;kuksa ds [k.Mu esa dksbZ lk{; Hkh i=koyh ij izLrqr ugha dh x;h gSA bu leLr ifjfLFkfr;ksa esa ;g ugha ekuk tk ldrk gS fd ekeys dh nq?kZVuk esa iz'uxr okgu MEij dks feF;k fyIr fd;k x;k gksA vr% bl laca/k esa vihykaV chek dEiuh dh vksj ls yh x;h vkifŸk Hkh fujLr dh tkrh gSA 11- mijksDr leLr foospu vuqlkj vihykaV chek dEiuh dh vksj ls izLrqr flfoy fofo/k vihy la[;k&2712@2024 esa fy;s x;s vk{ksi ekus tkus ;ksX; ugha gksus ls mDr vihy lkjghu gksus ds dkj.k vLohdkj dj [2026:RJ-JP:4495] (8 of 8) [CMA-2712/2024] [kkfjt dh tkrh gS rFkk fo}ku vf/kdj.k }kjk ikfjr fd;s x;s fu.kZ; dh iqf"V dh tkrh gSA 12- bl U;k;ky; ds LFkxu vkns'k fnuakd 22-07-2024 ds vuqlkj vihykaV chek dEiuh dks vkns'k fn;k x;k Fkk fd og fo}ku vf/kdj.k }kjk vknsf'kr lEiw.kZ vokMZ jkf'k fo}ku vf/kdj.k ds le{k tek djok, rFkk tek djokbZ xbZ lEiw.kZ jkf'k esa ls 50 izfr'kr jkf'k dk forj.k nkokdrkZx.k dks fd;k tk, rFkk 50 izfr'kr jkf'k jk"Vªh;Ñr cSad esa ,Q-Mh-vkj- ds :i esa tek j[kh tkosA pawfd bl U;k;ky; }kjk vihykaV chek dEiuh dh vihy dks vLohdkj dj [kkfjt fd;k x;k gSA ,slh fLFkfr esa fo}ku vf/kdj.k ds le{k tks 50 izfr'kr {kfriwfrZ jkf'k ,Q-Mh-vkj- ds :i esa tek gS] mldk Hkqxrku e; C;kt fu;ekuqlkj nkokdrkZx.k dks dj fn;k tkosA 13- nkokdrkZx.k }kjk izLrqr flfoy fofo/k vihy la[;k&2054@2024 dks nkokdrkZx.k }kjk izR;kg`r ¼withdraw½ fd;s tkus ds vk/kkj ij [kkfjt fd;k tkrk gSA 14- vkns'k dh izfr ds lkFk izdj.k dk vfHkys[k lacaf/kr fo}ku vf/kdj.k dks vfoyEc ykSVk;k tkosA 15- rn~uqlkj vihykaV chek dEiuh dh vksj ls izLrqr vihy fujLr dh tkrh gS rFkk nkokdrkZXk.k dh vksj ls izLrqr vihy ¼withdraw½ fd;s tkus ds vk/kkj ij fujLr dh tkrh gSA 16- lHkh yafcr izkFkZuk i=ksa dks Hkh mijksDrkuqlkj fujLr fd;k tkrk gSA (ASHUTOSH KUMAR),J LOKESH RAJ /74-75