ekuuh; U;k;kf/kifr kekZ & uskuy ba;ksjal dEiuh] t;iqj us bl flfoy fof/kd vihy esa eksVj nq?kZVuk nkok vf/kdj.k] lhdj }kjk ikfjr iapkV fnukad 22-3-1994 dks pqukSrh nh gS] ftlds }kjk vf/kdj.k us izR;FkhZ nkosnkjksa ds i{k esa 3]84]000@& :- ¼v{kjs rhu yk[k pkSjkglh gtkj½ dk iapkV ikfjr fd;k gSA 2- mHk; i{k ds fo}ku vf/koDrkx.k }kjk izLrqr fojks/kh rdksZa dks vk|ksiku lquk x;k rFkk vfHkys[k ij miyC/k lkexzh dk xgurk iwoZd ijh{k.k fd;k x;kA 3- la{ksi esa izdj.k ds rF; bl izdkj gS fd fnukad 22-1-1988 dks lka; djhc 7-45 cts lq/khj dqekj vius fe= fo|k izdkk ds lkFk thi la[;k - vkj-vkj-Vh- 3092 esa cSBdj lhdj ls t;iqj tk jgk FkkA mDr thi esa 5-6 O;fDr cSBs gq, FksA thi dk pkyd egkohj izlkn FkkA tc thi xzke e.Mk LVs.M ls djhc ,d Ms<+ fdyksehVj vkxs jhxl dh vkSj igwWph rks lkeus lM+d ds ckbZ vkSj lM+d fu;eksa dh vogsyuk djrs gq, ,d VªsDVj Vªksy [kM+h Fkh] ftlds pkjksa vksj iRFkj Hkh yxs gq, ugha FksA mlh le; lkeus ls ,d Vªd la[;k vkj-ts-oh- 4329 iwjh jkskuh ls] fcuk fMij fn, vR;f/kd rsth ls vk jgk FkkA thi ds pkyd egkohj us thi dh Vªksyh ls VDdj ekjh vkSj bl VDdj ls thi lM+d esa e/; esa vk xbZ vkSj rRdky gh lkeus ls vkrs gq, mDr VªsDVj ls Vdjkrh gqbZ vkxs fudy xb] ftlds dkj.k lq/khj dqekj ,oa vU; O;fDr;ksa ds pksVsa vkbZ ,oa lq/khj dqekj dh rRdky gh e`R;q gks x;hA lq/khj dqekj ds mRrjkf/kdkfj;ksa dh vksj ls eksVj nq?kZVuk nkok vf/kdj.k] lhdj ds le{k Dyse izkFkZuk i= izLrqr fd;k x;k] ftlesa vihykFkhZ dks i{kdkj la;ksftr fd;k x;kA vihykFkhZ chek dEiuh }kjk vf/kdj.k ds le{k ;g vkifRr yh xbZ Fkh fd mldk {kfriwfrZ vnk;xh dk dksbZ nkf;Ro ugha gS D;ksafd Vªd dk Lokeh oS/k vuqKki=/kkjh O;fDr ugha Fkk ,oa chek ikWfylh dh krksZa dk mYya?ku djrs gq, nq?kZVuk ?kfVr gqbZ Fkh vkSj chek dEiuh dk mRrjnkf;Ro izfr O;fDr 30]000@& :- vf/kdre gksuk crk;k x;kA vihykFkhZ chek dEiuh dh vksj ls v/khuLFk U;k;ky; ds le{k lk{; esa Jh ch-,y- cakhoky dks ijhf{kr djok;k x;k Fkk rFkk izys[kh; lk{; esa chek ikWfylh dh izfrfyih ¼iznkZ&,@1½ iznfkZr djokbZ x;h Fkh ,oa chek ikWfylh dh ewy izfrfyih izLrqr ugha dh xbZ FkhA fo}ku vf/kdj.k us eksVj okgu vf/kfu;ed] 1988 ds izko/kkuksa dks foosfpr djrs gq, vihykFkhZ chek dEiuh us mRrjnkf;Ro dks vlhfer ekuk ,oa vihykFkhZ dEiuh dh vksj ls izLrqr fd;s x;s rdksZa ls vlgefr tkfgj dhA 4- lksguyky iklh cuke ih- ks"k jsM~Mh ¼1½ ds izdj.k esa mPpre U;k;ky; ds ekuuh; U;k;kf/kifrx.k }kjk fuEu funZsk fn;s x;s gS %& "The insurer has also to satisfy the Tribunal or the Court that such violation or infringement on the part of the insured was wilful. If the insured has taken all precautions by appointing a duly licensed driver to drive the vehicle in q uestion and it has not been established that if was the insured who allowed the vehicle to be driven by a person not duly licensed, then the insurance company cannot repudiate its statutory liability under sub-sec. (1) of Section 96." 5- pwafd vihykFkhZ chek dEiuh us vfHkys[k ij ;g lk{; izLrqr ugha dh Fkh fd chek ikWfylh dh krksZa dk mYya?ku okgu Lokeh ds Kku easa gks jgk Fkk] ,slh fLFkfr esa vihykFkhZ chek dEiuh dks {kfriwfrZ vnk;xh ds vlhfer mRrjnkf;Ro ls eqDr ugha ldrhA fo}ku vf/kdkj us vfHkys[k ij vkbZ lk{; dks foLrkj iwoZd foosfpr djrs gq, tks fu"d"kZ fudkys gSa mUgsa fdlh izdkj ls xyr ugha dgk tk ldrkA bl vihy esa dksbZ cy ugha gSA 6- ifj.kker% ;g vihy fujLr dh tkrh gSA i{kdkj viuk viuk O;; Lo;a ogu djsaxsA