Research › Search › Judgment
High Court of Punjab and Haryana · body
2026 DAILYLAW 6529 (PNJ)
NATIONAL INSURANCE CO LTD v. DAYA CHAND & ORS
FAO/5927/2015 · 2026-01-31
Sudeepti Sharma
body2026
[ 2026 DAILYLAW 6529 (PNJ) · dailylaw.ai ]
[ 2026 DAILYLAW 6529 (PNJ) · dailylaw.ai ]
Judgment text
Extracted from the PDF above. The PDF is authoritative.
! " #$ % & ' ' ( )* #+ #$#,$- . $* % & ' ' ( )* #+ /0#)"1$2 % 3' ' (
% 45 6' 6 6 6
! "#
! $%
"&'&
! ( )))) 6 6
' $ * + ! # & ,-,-.,$-
! "
$//0$(,!
$122+
* + VIRENDRA SINGH ADHIKARI 2026.02.04 18:32 I attest to the accuracy and integrity of this document
&3! 4* + 56 & +7
& +
0 $ . ! 2 ., ,,,07#& 8-9:
!! ; 6 6 . ' !!
!
,$,$.,$( < + 3
6 #& ;3
6 & #! ! # !
+ # # =79,7%12, > & # "+ ?
& @!
& "+
A
&
+ # # =7 %2"7919-
& + $ ##
!
!=
&
#
@#
!
< + !
! $+
7 !&< + +; & ;& @? = & #
& !
"! ; #= =& ; + ; ,.,$.,$(* &
# B (,.,$.,$( "
.-1 %%-%,(7 VIRENDRA SINGH ADHIKARI 2026.02.04 18:32 I attest to the accuracy and integrity of this document
& $2/, & # # $
" =
% C
!
+!# & !
!
0
( B # ! * + ! !&#
7
!
" #
$
%
&
' #
$()* +,+-# .. / %
01
0
1 1.. ) 1
.() 2 /
3
#
.() + (
4 9 !
# +
/ ! @#
#
* + &
VIRENDRA SINGH ADHIKARI 2026.02.04 18:32 I attest to the accuracy and integrity of this document
3 0 ! 2 ., ,,,07#& 8 -9:
!! ;7
& +
=
6666 5 656 6 -
! 7
* + #
@
## #!!!#
= !
+ ##
!
& !##
& #
+ #=79,7%12,=!
& + * + #
+
& 2
! +
D
,$,$.,$( ; # + '
!=5+" )*1#$)0 $ , )$- #./)$7 5*"' !' )$)7 6 *81'
&!!
D # #
!
+# #$,:
! + ! # '
!=5+" ) 1$) ) .1$
' *1*1#$ !' )*1#$)0 $ , )$- #./)$7 5*"'
$ '9 * !
+
+ &* ! +&& + !0
VIRENDRA SINGH ADHIKARI 2026.02.04 18:32 I attest to the accuracy and integrity of this document
1
! $ %7
!#!
+ ##
+ &
# +
+ !
+
!
+
!!!#
&
+E
##
! !
+
!
+ ! + ##
& +
+
& D !#! * + # ! !!#
##
! !
=! !
&
& +
& $,
! ( # ! & $$
!
! &
! & +
$. '!
# !
! & ,-,-.,$9
+ * + 7 , #' %
' '
0
3
#
.201
1
5%( $
3 .267 VIRENDRA SINGH ADHIKARI 2026.02.04 18:32 I attest to the accuracy and integrity of this document
(
01
/8 2
" #
9
: 1
% 9
: 1
#
$( +8; ),*8
& ; < ( 9
:0 = & & ;
" #
9
: $9 #
:
1 1
1 0 =
$ 0
#
$()* +,+-#
#
$
7 > " #
1
0
7
1 7
0
1 " #
#
& ; % 1 = $
0 .
1 1 1
3
$
!
# $
#
1
5%( 2 / /8 23 .20
/-,0))- )827%.; 1
.
$ & 9
:
1
#3 . # 1
3 . 67
#
?
VIRENDRA SINGH ADHIKARI 2026.02.04 18:32 I attest to the accuracy and integrity of this document
0./"
@
07
7 @ 0 "
&
% ; 0 $ #
#
"
&
%; 0$
1
!
&0
1
#3#
#
'0
# # 1
(
#
$A# $
; ,$:);
) 7)$) 1$ ):, )$" #*8 < ' 6,=8>1$" 61$28 )$" #*8 ( 3 1!10 ?
' ;
< " #
3 . 8,01
1
1
1
& ; 9
:
3 . 8*0
= $
0. 1 3 . 8, &<( 3 . )8 '
B % 3 .
,1
1
1
#
1
1
'
" #
%
0
&<( & ;
0
!
VIRENDRA SINGH ADHIKARI 2026.02.04 18:32 I attest to the accuracy and integrity of this document
?
&' ' #
#
#
!
#
$()* +,+-#
" #
%
& ; '
00
, #'9 & )$" 3% $ 0)1.
*1*1#$ #' #+ 3 *1*0 " 6.*'5)0* 8 < , 6)*7) ) =) 8 )$" #*8 %
3' <
1 ,
$ 1
8
#
( ,08886 '
1
10
/ )#
1
'
/ )
#
!
'
" #
#
1
0
!
' 0 " #
9
:
!
$1 # 1
( 28886 '
.&( 3
' 1
1
VIRENDRA SINGH ADHIKARI 2026.02.04 18:32 I attest to the accuracy and integrity of this document
# ) < C
.
( ,8886 '0
#
('
0
)
0
, '
" #
3 .
8,1 " # 1 , '0 1 # 0 , ' ' 0 < 01 " # 01 1 #3 .) " # 1 8 ? & 0 @ # 1 # ( ,08886 ' 1 ' 1 1 $10# , 1 # ' ! /8 2 7 # 1 ( +8886 3 '0 ( +8886 ?' % 0 , 1 31 '0! 1 #11 31 0 +8 VIRENDRA SINGH ADHIKARI 2026.02.04 18:32 I attest to the accuracy and integrity of this document # # 1 '$A# ; % 6.*' 6) 0) < .) < , 081 )$ /# * # /# )*1#$ 6 & <5 # D % 1 # 0 1 #0 +8E 1 01 # 1 # 128 9 3 # 01 4 #
34: ' # )8E 1 28+8 ' # 01 +8 '0 0 # # 1 1 3 91 0 :01 7 # 3 4 ' '$A# 7 3; 6)$*# 8 !1 < ' )*1#$)0 $ , )$- #./)$7 51.1* " )$" #*8 65 @ ; 3?
6 1$ 1!10 // )0 #' && #+ ) 1 1$2 #,* #+ VIRENDRA SINGH ADHIKARI 2026.02.04 18:32 I attest to the accuracy and integrity of this document 65 #'33? #+ " -1" " #$ &' 3' # D 3 # /2 C F 1 1 1 3 1 0 0;1 # 3 % 10 1 # 1 6 1 1 3 1 0 01 ' # % #1 7 0 1 3 1 1 3 6 ' 1 '0 3 ' ; = 6 # # VIRENDRA SINGH ADHIKARI 2026.02.04 18:32 I attest to the
accuracy and integrity of this document ' ' #1 0 # ; %C =1 # 1 7 0 1 6 G 1 = # # # 1 # 0 # # 1 1 # 0 # % 30 # 3 1 # % 0 # # 1 # #0 0 # #0# 0## 0 '0 1 1 # /2 C F0; 1 # 1
# VIRENDRA SINGH ADHIKARI 2026.02.04 18:32 I attest to the accuracy and integrity of this document & 1 > 1 31 ( 0 1 # # 1 31 1 )8 6# # 4 ' % 1 , '0 1 1 1 B A 9 : +8E # # 1 #( /+886 % 1 0 ( -+886 9( +8886 H ( /+886:( ,808886 ' '# 00 1 1 1 C A 9 :01# # /)0 # 6) '0 ( I8088869,80888)80888: ' 7 # 1 , '0 1 1 1# $A# ;% 0 C A 9 : * # 7 0 ( I808883 *J 80*808886: &' ' < 01 1 1 ( 808886 ' 1 ( 808886 VIRENDRA SINGH ADHIKARI 2026.02.04
18:32 I attest to the accuracy and integrity of this document 3 3 K 3' % 1 0 1 # 1D 6 ' #' )" ,$" >81-8 ).#,$* >) " " .#,$* $ ! $, 2, ,,,07 . * F E $, ,,,07 % ! $, ,,,07 5 % ' 9 9 A ' '0 ( 088088869( : $ 0)1. *1*1#$ #' #+ 3 *1*0 " 8) 8)$" )$" )$#*8 < , 6)*7) ) =) 8 )$" #*8 D (' < 0
1 //
$ 1 1
#
( 808886 $
# $1
= $
0. 1 $
0 .
1 1
1 /8 2// /8 2
( /08808886
$10
#
$
!
$ #
# $
#
3 ?
VIRENDRA SINGH ADHIKARI 2026.02.04 18:32 I attest to the accuracy and integrity of this document
0
'0
!
'
0
!
$ &<(0
0
#
#
##
$
$
?' '0
& ; 1 1
#
( 808886 0#
1
3
1
1
1 '0
0 # #0
1
1 #
'
/8 ) % 0 #1
( +8886 3
'0
6
( +8886 ' .*
3 .
8,1
L 7$
#0
# 1
#0
1
0
G
0 3 1
#
0
0 0 B(
0
'0
1
0
VIRENDRA SINGH ADHIKARI 2026.02.04 18:32 I attest to the accuracy and integrity of this document
( %
1 0
1 ( +088869( +08886M): 1
& ' '
#
#
#
1
#
#
&
#
'0 #
& ' '
0
3
0 0 ?
. 0= $
0. 1 .2 1
#
3 .+ 3 . 88 ( /I0+)*60 # ; 0 ( $
0. 1 #
3 . 8 3 . 8- ( /)02886
B 0 (> 67 = $
0 . 1 #
3 . 83 . *( +80+ 86 ?
#
3 . /83 .
/,( +08+86 7 # #
( 08+02,*6
1
&' 7
= $
0 . 1
$
0 .
& 1
/8 2 / /8 2 '0
1
VIRENDRA SINGH ADHIKARI 2026.02.04 18:32 I attest to the accuracy and integrity of this document
#
!
0
1 ( +08886 1
$
1 ( +8886
( +88861
%
1 0
1 1
#
!
6 ' #' )" ,$" >81-8 ).#,$* >) " " .#,$* $ ;
3 ( 08+02,*6> . <
( +08886 % .
( +08886 ( ;
( +08886 9 ;
( +08886 5 ' 9393?A
&&' '0
( 02+02,* 9(
:
#
!
$ 0)1.
*1*1#$ $#' #+ 3A *1*0 " )7) 8)$" )$" )$#*8 < , 6)*7) ) =) 8 )$" #*8 D &3' <
1 /8
$ 1
/
#
( ,08886 '
#
1
VIRENDRA SINGH ADHIKARI 2026.02.04 18:32 I attest to the accuracy and integrity of this document
?
'
#
!
'
% #
1
0
!
&' 0 %9
:
!
$1 # 1
( 28886 '
.&( 3
' 1
1
#
( ,8886 '0
#
&('
0
)
0
/8 '
% 3 .
,1 %1 /8 '0 1 # 0 /8 &' ' 0 B ; 0 %0 1 1 #3 .- %1 / ? & 0 @ # 1 # ( ,08886 ' VIRENDRA SINGH ADHIKARI 2026.02.04 18:32 I attest to the accuracy and integrity of this document 1 ' 1 1 $10# /8 1 # ' ! /8 2 7 # 1 ( +8886 3 '0 ( +8886 &?' % 0 /8 '0 1 1 1# $A# ;% 6.*' 6) 0) < .) ,/ ) 6)$*# 8 !1 ,/ )0 +8E 1 #( /+886 % 1 0 ( -+886 ( ,808886 &' ' $A# ; % 6) 0) < .)B-) ,/ ) D 1 1 # 0 1 % # 0 0+8 3 0 # # 1 1 0 #
0 1 # 9: # # '0+8 1 # 3 # +8 # 4 VIRENDRA SINGH ADHIKARI 2026.02.04 18:32 I attest to the accuracy and integrity of this document 3 ' '0 # 1 1 1 6) 0) < .)B -) ,/ ) # 1 # +8E '0 # 1 ( 2+08886 3 ' 103! 1 # ' # #$B;0 128 #, * #+ ,$:); ) 7)$) )* 8)$"12) 8 #' ( ? #+
*1*0 " 6)!1* 1 )$" )$#*8 < ' : $" )$" )$#*8 " -1" " #$ 3' ' 1
$A# $
; # D
0
B
9 :
8, /8 8 . 9 :
- 8/ /8
13
C 9 : + 82 /88,1
#
#
1 %
; # ?$A# 1"
1
C 9 : #
# ;
.
9 :
B
9 :00%
13
C 9 : .
9 :
# VIRENDRA SINGH ADHIKARI 2026.02.04 18:32 I attest to the accuracy and integrity of this document
# '
#
4 3' ;
0 1 /8
'0
1 1
1# $A# ;%
0
6) 0) < .)B -) 9 :0 '6'6#.)$)*8)$ )$" #*8 B -) 9 : 1
1# $A# $
;,$:);
) 7)$) )* 8)$"12) 8 1$ 6)!1* 1 )$" )$#*8 B -) 9 :0
*
#
7
0
( *0 808886 9( 2+08886 M *: 3&' '
1 ( 808886
0
7
33' %
1 0
1
# 1D 6 ' #' )" ,$" >81-8 ).#,$* )>) " " .#,$* $ < ( *0 80888 88 . 3 '
0
( 80888 88 5 % '?9 9 ' 3' '0
( *0/8088869(
< '1 ' : 3('
#
0
VIRENDRA SINGH ADHIKARI 2026.02.04 18:32 I attest to the accuracy and integrity of this document
3 .
1
1
/2 / /88, 1
/) / /8 2
0 '
/8 2 '0
0 1
!
7
3 ./ 1
1
/ 1
1
)
3 ( '0 ) #
0 1
#
'0
/
)
) 4 $% ! # & * + #
&
+
&7 !#
D
## #! !!#
7 + # # =7%2"7919- + $ 3 6 ! !!#
7 $( !
,$,$.,$( B & # + !
! 7&
"+ "# & &
!
!B
!
&
##
! !!!#
* # !B !
VIRENDRA SINGH ADHIKARI 2026.02.04 18:32 I attest to the accuracy and integrity of this document
& +
+ ! + ! # $9 *7&
"+ "#& E A7% & #
+
D
! #
=
!
7 & +# ##
@
#!;
;
+# +;
#
7E # +
=
! !
$/ B A7.< !
! $ !
#
&
+ # &7
B + #
#7 + !# !!!#
!
!
## #
+ +
#
#
+ $ ! &
+E +
+
+ # !
# $- #
+
! 7
+ ##
!
# VIRENDRA SINGH ADHIKARI 2026.02.04 18:32 I attest to the accuracy and integrity of this document
3 & #
# & ! $2 !
+ ##
+ ! ! & #+! * + D
+ ##
& ! +
!#
!
!#
!
# # +*=5+" ' 1*87)
' !' 6 $ )0 $ , )$- #' 5*"' 65C 6'?&&?&3 & D
&
+ ##
! * +
+ $1 G &
!
+ ##
D
!
!! !# # ###
!;
&
+
!
##
+
;
+
!
#
##
&
+
., & ! ! ##
# !#
+ * +
! ## # ; ! +
VIRENDRA SINGH ADHIKARI 2026.02.04 18:32 I attest to the accuracy and integrity of this document
!
*
! !
# !! .$ #&
+! #
+!!H
D ! & + * + #
E .. B !
* +
!
+ @#
# &# ! !
& # !
+ .% ! # !
& # + $1 !
* * +
! # !$2 &
&
&+=5+" .( =& * + & #!
!9,: &!&& )*1#$)0 $ , )$- #./)$7 5*"' !' )$)7 6 *81 + D ; # & !
# +(,:9,: .9 + !
&
!
E
!
!
! & & + =5+ E !
! VIRENDRA SINGH ADHIKARI 2026.02.04 18:32 I attest to the accuracy and integrity of this document
( !
./ &!!
+ +
6 ' #' )" #./ $ )*1#$ >) " " $
9 ,,,07 . B
8(, . ,,,073(,:!9 ,,,6 %
& E $0. %9,,073- ,,,I$0.6 ( *
%9,,073- ,,,H%9,,6 9
(. ,,,073%9,,I$.6 / $2 -
-9/,,,073(.,,,I$26 2
!G $9 ,,,07 1 B GE $9 ,,,07 $,
! (, ,,,07E. 2, ,,,07 $$ #*)0 #./ $ )*1#$ '?9((9 A $. .#,$* >) " " ;7 *8 1;,$)0 '?9 9 A
& $8)$- " ).#,$* '3( A ' ?9((9 '?9 9 @ 6 66 5 .- *! 7
# !
>8 *8 *8 )>) " /) " ;7 *8 1;,$)0 -)$ ; $8)$- " 1$ )$ VIRENDRA SINGH ADHIKARI 2026.02.04 18:32 I attest to the accuracy and integrity of this document
)// )0 / + " ;7 *8 1$ , )$- -#./)$79 >8 $ *8 -0)1.)$* 8)! $#* +10 " )$7 - # #;: -*1#$ # - # )// )0' .2 * D
!
+! 7< # '
!#$4;0 6,/ .
#, * 1$ 6, =8)
' !' 6)$*# 8 '9 ( 6 3('* ! !&
$ < '
3
2> >/8 , N
= % ; < 0/8 , ;;<
? /O # $
;"
?# 0? 7 #
5
7 /+I2/8 I01# *8 128 #, *9 ! $ *8#,28 )2 " >1*8 *8 *)$" #+ *8 )// 00)$* *8)* :, * -#./ $ )*1#$ ).#,$* #,28* *# ; 39?9&( ,/ +# *7$1$ 0)=8 128*7+1! *8#, )$" *8 8,$" " ! $*7 1D #$079 8#> ! 9 " -01$ " *# 2 )$* $8)$- . $* . 07 #$ *8 2 #,$" *8)* *8 )// 00)$* 8)" +)10 " *# +10 - # )// )0' / 7 $#>9 1* 1 > 00 **0 " *8)* 1$ *8 .)** #+ 1$ , )$- -0)1.
-#./ $ )*1#$ 1$ + $- *# *8 .#*# )--1" $*9 *8 -#, * 8#,0" $#* *)= 87/ * -8$1-)0 )// #)-8 )$" $ , *8)* :, * -#./ $ )*1#$ 1 )>) " " *# *8 )++ -* " / #$ # *8 -0)1.)$* ' &' ) ,0*9 > .#"1+7 *8 # " /) " ;7 *8 128 #, *
#
(2,0*+0)-I9( >
>
>
3 :01
1 # $
; 2 '
1
# .
0
0
P VIRENDRA SINGH ADHIKARI 2026.02.04 18:32 I attest to the accuracy and integrity of this document
? .1 &!+
!& +E
& ; +
+
# !
+
!
7 +;
7+
%, *
! #+
;
#
7 + & ; !
!
+
!#
&+ #$4;0 6,/ .
#, * 1$ )2)//) !' , ,")7)0 61$28
&6 3' %$ B B>792%(7.,$/ 8 1 $*)0 $ , )$- #./)$7 51.1* " < ' 6.*' )*8 1 !1 )$" #*8
$.,1.,.9 &
7 J'
;
(0
).)*) )$" #*8 !' )//7 )$" #*8 0
/, 8+ /8/201
3
8-;.; 1
M<%( ));.;0 1D> 5< <66 <5 9 ?
8-D>.17 ; Q9 : # # #0 7 ; 1Q 9 : R VIRENDRA SINGH ADHIKARI 2026.02.04 18:32 I attest to the accuracy and integrity of this document 9#: R 9: R 9: ! # 9/: # 07 ; 1 # # ;; " E5 ,0 && #+ *8 #" #+ 1!10 #- ", 9 ?% &&' #> #+ #, * #+ // )0 Q'7 ; 1 1 # ! 0 1 #3 # ;1 #3 0 # 01 # > 11 # 3 0 # D N. 7 ; )+7 # 1 ; 1 O / * MMM MMM MMM , 7 8-;; .0 ,8* 1 17 ;07 VIRENDRA SINGH ADHIKARI 2026.02.04 18:32 I attest to the accuracy and integrity of this document & ; 1 # # ; ; 0 &C 7 ,** # # 0 # # # 7 7 /8/+
MMM MMM MMM 56 /I '7 ; #1 0 1 0 1 8- 1 M<% ( ));; .0 ,8* 1 # ! 0 1 #3 # ; 1 #3 0 # /- & # = 6 6 > 1 7 1 1 # ? 0 0 # ; 1 3 # 6 '" 0 0 0 VIRENDRA SINGH ADHIKARI 2026.02.04 18:32 I attest to the accuracy and integrity of this document & ';
1 # 0 % 0 ; 0 F6 0" '; # ' # ## # /* '; # 1 6 %I)>7 II &C 70 ,** S 8- 1 M<%( ));.; 00 7 ; 0 1 01 ; 1 1 '0 8- M<%( ));.;0 7 ; 1 > '7 7 > # ' # ; /, # 7 ; 1 I)>7 VIRENDRA SINGH ADHIKARI
2026.02.04 18:32 I attest to the accuracy and integrity of this document & II&C 70 ,** 4 ) % # 6 / 0 # # > % ; ! 0 1 ;! 0 1 1 0 # > # 2 %3 10 ; # &C 70 ,**01 # 1 ' ; # > + 7 0 0 0 ; VIRENDRA SINGH ADHIKARI 2026.02.04 18:32 I attest to the accuracy and integrity of this document && 1 ₹ ?9 A < 4 6 / I % 1 # $F# ;
F' ).7) !' )*1#$)0 $ , )$- #' 5*"'9 3 1!10 3& & 7 ; ' # 1 4 # %# 7 ; 1 1 1 3 0 # 0 4 %. "! +=5+ " ) ) 61$28 G 8) ) )$:) ) < ' 687). 61$28 <) .) & ('<)001 )$" *8 <6' ).10 )$", 6*)* )$ /# * # /# )*1#$ 6,/ . #, * ) 9 7
# 81:
! !!#!
! K %% *7
!
#& &* + & !& ! ** + !
+
!
#&
!
0 $. VIRENDRA SINGH ADHIKARI 2026.02.04 18:32 I attest to the accuracy and integrity of this document
&3 & ,-,-.,$-*
0 $.
! +@
* + %( D +# !
"1 .1 " %9 * ! .9 ,,,07 + !
! + ! %/ #
3 6 ! !
6 6
& ' ' ( A @#07 @# "@# A + L 0 VIRENDRA SINGH ADHIKARI 2026.02.04 18:32 I attest to the accuracy and integrity of this document