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High Court of Karnataka · body
2026 DAILYLAW 54424 (KAR)
THE NATIONAL INSURANCE COMPANY v. DURGAMMA AND ORS
MFA/201123/2017 · 2026-01-14
E S Indiresh
body2026
[ 2026 DAILYLAW 54424 (KAR) · dailylaw.ai ]
[ 2026 DAILYLAW 54424 (KAR) · dailylaw.ai ]
Judgment text
Extracted from the PDF above. The PDF is authoritative.
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537?2 67C;835 3< 78932;9;6 =:6 20:6< D<01 67C;835E" 355:B789 <01 >537? 41<7<7:82 78 436< 38A 9638<789>:?41823<7:8<:<01>537?38<2
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C;2 C136789 61972<63<7:8 :&&=6:?32G7<:18935;6;38A7<722<3<1A <03< <01A67F16:= <01 C;2A6:F1 7<78 6320 38A81957918< ?38816 38A 32 2;>0 A3201A <: <01 5:66H C136789
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61972<63<7:8 :&)&)) B07>0 B32 436G1A :8 <01 6:3A 18>1 <01 >537?38< 78
:* 032 2;2<3781A 9671F:;2 78@;6712 38A :8 <01 :<016 038A <01 A1>1321A 3C3HH3A71A:8<0124:<<72<01>321:=<01 >537?38<2 <03< <01 355191A 3>>7A18< B32 :>>;661A A;1 <:
<01 81957918>1 :8 <01 436< := <01 A67F162 := C:<0 <01 F107>512 38A 32 2;>0 =751A >537? 41<7<7:82 211G789 >:?41823<7:8;8A16 1><7:8:=<01:<:6107>512><
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01 >537? 41<7<7:82 B161 >:8<12<1A CH 6124:8A18< :2 38A 38A 6124:8A18< :' 35519789 <03< <01 3>>7A18< B32 :>>;661A :8 3>>:;8< := <01 81957918>1 :8 <01 436< := A67F162 := C:<0 F107>512 78 I;12<7:8 38A 3>>:6A7895H 2:;90< =:6 A72?72235 := <01 41<7<7:82 < 72 352: 2<3<1A 78 <01 B67<<18 2<3<1?18< CH 6124:8A18< :' <03< 6124:8A18< :) 032 F7:53<1A <01 <16?238A>:8A7<7:82:=<014:57>H38A322;>02:;90<=:6 1J:8163<789<016124:8A18<:'=6:?<01573C757<H8<01 >537?41<7<7:82<01436<71203F151A1F7A18>1
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) 01 67C;835 3=<16 >:827A16789 <01?3<16735 :8 61>:6A CH 7<2 @;A9?18< 38A 3B36A A3<1A *)* 3B36A1A>:?41823<7:8:=2)''**&<:<01>537?38<78 :*38A2****&<:<01>537?38<278 :(* B7<0 78<1612< 3< <01 63<1 := K 416 388;?=6:?<01A3<1:=41<7<7:8<7556135723<7:878C:<0<01 >537?41<7<7:82 ' 115789 399671F1A CH <01 23?1 <01 82;638>1 :?438H032461=1661A<01213441352
03F10136A ?<611<73<7515G;8A7513681A >:;8215 344136789 =:6 <01 34415538<&82;638>1
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< 72 >:8<18A1A CH <01 513681A >:;8215 344136789=:6<0134415538<CH78F7<789<013<<18<7:8:=<01 :;6< <: <01 >03691 2011< 38A <01 2G1<>0 46:A;>1A 3< J<03<<01>:8<67C;<:6H81957918>1:;90<<:=32<181A
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:8<01A67F162:=C:<0<01F107>5121I;355H32<01A67F16:= <015:66H78I;12<7:8032436G1A<015:66H78<01?7AA51:= <016:3A38A322;>02:;90<=:678<16=1618>1:=<072
:;6< <72352:369;1ACH<01513681A>:;8215344136789=:6<01 34415538< <03< <01 3B36A := >:?41823<7:8 ?3A1 CH <01 67C;83561I;7612<:C178<16=161AB7<03241696:;8A:( ;691A78<01?1?:638A;?:=344135 ( 16 >:8<63 67 ;A07627890 7@34;6 513681A >:;8215 344136789 =:6 <01 6124:8A18<&
:64:63<7:8 2:;90< <:@;2<7=H<017?4;981A@;A9?18<38A3B36A?3A1CH<01 67C;835 . 8 <01 5790< := <01 2;C?7227:82 ?3A1 CH <01 513681A >:;8215 344136789 =:6 <01 436<712 7< 72 8:< 78 A724;<1 32 <: <01 :>>;6618>1 := <01 3>>7A18< :8 (**B016178<01>537?38<2B161<01432218916278 <01C;2C13678961972<63<7:8:&&38A<01237A C;2 07< <01 5:66H C136789 61972<63<7:8 :&) &)) B07>0 B32 436G1A :8 <01 6:3A =6:? C1078A 38A 3>>:6A7895H <01 >537?38< 78
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9671F:;2 78@;6712 38A <01 2:8 := <01 >537?38<2 78 :(* & 3C3HH3 A71A :8 3>>:;8< := <01 237A 3>>7A18< * 3F789 <3G18 8:<1 := <01 2;C?7227:8 ?3A1 CH <01513681A>:;8215344136789=:6<0134415538<32<:<01 344:6<7:8?18<:=<0181957918>1:8<01436<:=<01A67F162 :=C:<0<01F107>51278I;12<7:803F1>361=;55H1J3?781A J&24:<438>0383?338AJ&>036912011<<728:< 78A724;<132<:<01>036912011<=751A393782<<01A67F162 := C:<0 <01 F107>512 78 I;12<7:8 < 72 352: =:6<0>:?789 =6:? <01 2G1<>0 34418A1A <: <01 >03691 2011< J" <03<<01A67F162:=C:<0<01F107>51203F1>:8<67C;<1A=:6 <01 355191A 3>>7A18< 8 <03< F71B := <01 ?3<<16 <3G789 78<:>:827A163<7:8<01=78A78961>:6A1ACH<0167C;835:8 722;1 : 78 C:<0 <01 >537? 41<7<7:82 3? := <01 F71B <03<8:78<16=1618>172>3551A=:678<01213441352 82:=36 32 <01 369;?18< 3AF38>1A CH <01 513681A >:;8215 344136789 =:6 <01 34415538< 32 <: <01 I;38<;? := >:?41823<7:8 78
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>:8>1681A <01 67C;835 032 <3G18 <01 78>:?1 := <01 >537?38< 3< 2***& 416 ?:8<0 :B1F16 32 416 <01 9;7A157812 722;1A CH <01 3683<3G3 1935 16F7>12 ;<0:67<H782:=3632<0178>:?1:=<0178@;61A7861241><:= <013>>7A18<:>>;661AA;6789*<018:<7:83578>:?1=:6 <016151F38<4167:A722('*416?:8<08<03<F71B:= <01?3<<163?:=<01F71B<03<8:78<16=1618>172>3551A =:678<01213441352 >>:6A7895H<013441352361A72?7221A 013?:;8<78A14:27<7=38HC1<6382?7<<1A<: <0167C;835=:6A72C;621?18<
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