JUDGMENT 1. - For the reason mentioned in the application under section 5 of Limitation Act, the same is allowed and the delay in filing appeal no. 2896/2016 is condonded. Both these appeals have been filed against the impugned judgment and award passed by the Judge, MACT hence they are being heard and decided by this common judgment. 2. Notices were issued to the opposite parties. Reply to the claim petition/s was/were filed and the learned Tribunal framed the issues. After hearing all the parties, the learned Tribunal passed the impugned award. 3. Against the impugned award, the insurance company as well as claimants has/have preferred the present appeals for the relief as prayed for in them. 4. Learned counsel for the insurance company has contended that the learned Tribunal has failed to appreciate each and every aspect of the matter as also the evidence available on record. The award passed by the learned Tribunal is illegal, without jurisdiction and contrary to the facts of the case. Hence impugned award deserves to be set aside. 5. On the other hand, learned counsel for the claimant/s has opposed the submissions advanced on behalf of insurance company and requested for maintaining/enhancement of award. 6. I have heard learned counsel for the parties and perused the impugned judgment and award. I am in agreement with the findings arrived at by the learned Tribunal on issue no. 5. On the other hand, learned counsel for the claimant/s has opposed the submissions advanced on behalf of insurance company and requested for maintaining/enhancement of award. 6. I have heard learned counsel for the parties and perused the impugned judgment and award. I am in agreement with the findings arrived at by the learned Tribunal on issue no. 1 to 3 which read/s as under: fook|d la[;k& ,d fook|d la[;k&1 dks izekf.kr djus dk Hkkj izkFkhZx.k ij gSA ftlds fy, izkFkhZ i{k dh vksj ls izLrqr xokg ,0M0&1 cyohj rFkk ,0M0&2 lquhy dqekj jkW; us vius c;kuksa esa dFku fd;k gS fd fnukad 13-08-2012 dks lqjsUnzizrki flag dh lMd nq?kZVuk esa e`R;q gqbZA xokg ,0M0&1 cyohjflag] e`rd lqjsUnzizrkiflag dk firk gS vkSj mlus dFku fd;k gS fd fnukad 13-08-2012 dks lqjsUnz izrkiflag vius vkWfQl ls okgu eksVjlkbZfdy uEcj vkj0ts014&,e0,l0&0284 ls vius ?kj vk jgk Fkk fd f[kj.kh QkVd iqfyl ls mij 200 QhV ckbZikl ij Vs~yj la[;k vkj0ts014&th0Mh0&1174 dk pkyd okgu dks ykijokghiwoZd ,oa rstxfr ls pykdj yk;k vkSj eksVjlkbZfdy ds VDdj ekjh ftlls lqjsUnzizrki flag ,d rjQ fxj x;k vkSj mlds 'kjhj ij vk;h xaHkhj pksVksa ls mldh e`R;q gks x;hA xokg ds bl dFku dh rkbZn xokg ,0M0&2 lquhy dqekj jk; ds c;kuksa ls gksrh gSA e`rd lqjsUnzirki flag dh e`R;q bu pksVksa ls gksus dks izekf.kr djus ds fy, QnZ iapk;rukek izn'kZ&12 vkSj iksLVekVZe fjiksVZ izn'kZ&13 is'k fd;s x;sA izn'kZ&13 iksLVekVZe esa fpfdRld }kjk nh x;h jk; ds vuqlkj e`R;q dk dkj.k flj esa vk;h pksVksa ds dkj.k 'kkWd rFkk gsejst gSA e`rd lqjsUnzirki flag ds 'kjhj ij bu pksVksa dk dkfjr gksus dk ?kVukdze xokg ,0M0&1 cyohjflag rFkk ,0M0&2 lquhy dqekj jk; nksuksa us c;ku fd;k gS] ijUrq xokg ,0M0&1 cyohjflag ?kVuk dk izR;{kn'khZ lk{kh ugha gS] tcfd xokg ,0M0&2 lquhy us bl ?kVuk dks Lo;a ns[kuk dgk gSA lquhy dqekj dh lk{; bl laca/k esa egRoiw.kZ gSA og dgrk gS fd fnukad 13-08-2012 dks og vius fe= bfy;kl 'ks[k ds lkFk viuh LdkfiZ;ks esa tk jgk FkkA f[kj.kh QkVd iqfyl ds ikl V~syj la[;k vkj0ts0 14&th0Mh0&1174 dk pkyd V~ksys dks ygjkrs gq, rstxfr ls pyk jgk FkkA bl V~ksys us vkxs py jgh eksVjlkbZfdy dks ykijokgh ls VDdj ekjh vkSj ekSds ls Hkkx x;kA eksVjlkbZfdy pkyd ,d rjQ fxj x;k vkSj mldh eksVjlkbZfdy V~ksys esa Qal x;hA V~ksyk pkyd dh ykijokgh dks crkus ds fy, xokg vkxs dFku djrk gS fd eksVjlkbZfdy V~ksys esa Qalus ds ckn Hkh V~ksyk pkyd V~ksys dks rstxfr ls Hkxkrk jgkA xokg ,0M0&2 lquhy us V~ksys dk ihNk djrs gq, yxHkx 1&1-5 fdeh nwj :dok;k rFkk eksVjlkbZfdy ds Qalh gksus dh tkudkjh nh rc ;g V~ksyk ekSds ij :dkA lquhy us Lo;a 100 uEcj ij Qksu djds nq?kZVuk dh tkudkjh nhA xokg ,0M0&2 lquhy ds izfrijh{k.k esa ,slh dksbZ ckr lkeus ugha vkrh tks lquhy ds dFku ij vfo'okl djus dk dkj.k iSnk djrh gS vkSj ;g Li"V dFku djrk gS fd ;g nq?kZVuk mldh vka[kksa ds lkeus V~ksyk pkyd }kjk V~ksys dks rstxfr] ykijokgh ls pykus ds dkj.k ?kfVr gqbZ gSA nLrkosth lk{; esa xokg ,0M0&1 cyohjflag us ,0M01 cyohjflag] ,0M0&2 lquhy dqekj jk; dks ijhf{kr djk;k x;k rFkk nLrkosth lk{; esa izFke lwpuk fjiksVZ izn'kZ&1] pktZ'khV izn'kZ&2] ewy ,Q0vkbZ0vkj0 izn'kZ&3] frrEck ,Q0vkbZ0vkj0 izn'kZ&4] c;ku 161 lh0vkj0ih0lh0 izn'kZ&5 yxk;r 9] uD'kk ekSdk izFke o f}rh; izn'kZ&10 ,oa 11] QnZ iapk;rukek izn'kZ&12] iksLVekVZe fjiksVZ izn'kZ&13] QnZ tCrh okgu izn'kZ&14] ,0e0vkbZ0 fjiksVZ izn'kZ&15 izLrqr fd;sA izkFkhZ dh vksj ls fo}ku vf/koDrk dk rdZ gS fd ekSf[kd ,oa nLrkosth lk{; ls ykijokgh ls V~ksyk pkyd }kjk okgu pykdj nq?kZVuk dkfjr djuds dk dFku c[kwoh izekf.kr gS ftlds fy, izkFkhZ izfrdj jkf'k izkIr djus dk vf/kdkjh gSA oDr ?kVuk bl V~ksys dks foi{kh la[;k&1 }kjk foi{kh la[;k&2 ds fu;kstu es gksdj mlds ykHkkFkZ ,oa fgrkFkZ pyk;s tkus ds dFku dks iq"V djus gsq uksfVl izn'kZ&16 vkSj 17] Vs~yj dh vkj0lh0 izn'kZ&18 vkSj pkyd dk Mh0,y0 izn'kZ&19 is'k fd;k gSA fordZ esa chek dEiuh dh vksj ls fo}ku vf/koDrk Jh xtkuUn 'kekZ us xokg ,0M0&1 cyohjflag dks ?kVuk dk izR;{kn'khZ lk{kh ugha gksus ls mlds dFkuksa dks vfo'oluh; ekus tkus dk rdZ j[kk vkSj ;g Hkh nyhy nh fd Lo;a eksVjlkbZfdy pkyd vius okgu dks rsth ls pyk jgk FkkA bl laca/k esa nksuksa i{kksa dh vksj ls mBk;s x;s rdZ&fordksZa ij euu fd;k ,oa ekSf[kd ,oa nLrkosth lk{; ij fopkj fd;kA xokg ,0M0&2 lquhy ?kVuk dk izR;{kn'khZ lk{kh gSA xokg ,0M0&2 lquhy ds c;kuksa ij vfo'okl djus dk dksbZ dkj.k ugha gSA mlds c;kuksa ls ;g Li"V :i ls izekf.kr gS fd Vs~yj la[;k vkj0ts014&th0 Mh0&1174 dks rstxfr ,oa ykijokgh ls pyk jgk FkkA mldh ykijokgh bl ckr ls Hkh izekf.kr gS fd eksVjlkbZfdy V~ksys esa Qal tkus ds ckn Hkh yxHkx 1&1-5 fdeh dh nwjh rd V~ksyk pkyd dks bl ckr dk Hkku ugha gqvkfd mlds okgu ls Vdjkdj eksVjlkbZfd V~ksys esa Qal x;h gSA ;g ckr mls rHkh irk pyh tc xokg ,0M0&2 vkSj mlds fe= bfy;kl 'ks[k us vkxs tkdj V~ksyk pkyd dks jksdkA ;g dFku vius vki esa V~ksyk pkyd dh ykijokgh dks izekf.kr djus ds fy, i;kZIr gSA iqfyl us Hkh ckn vuqla/kku foi{kh la[;k&1 ckcwyky ds fo:) vkjksi i= izn'kZ&2 is'k fd;k gSA vr% mijksDr of.kZrkuqlkj ekSf[kd ,oa nLrkosth lk{; ls izkFkhZ i{k us fook|d la[;k&1 ds laca/k eas vius Hkkj dks mUeksfpr fd;k gS vkSj fook|d la[;k 1 dk fofu'p; ogd izkFkhZx.k fu.khZr fd;k tkrk gSA fook|d la[;k&2 vk; dh gkfu ;g fook|d izkFkhZx.k dks fnyk;h tkus okyh izfrdj dh jkf'k ls lacaf/kr gSA bl fook|d ds fy, e`rd dh vk; ,oa vk;q rFkk vkfJrksa dh la[;k dks ns[kk tkuk gSA izkFkhZ dh vksj ls fo}ku vf/koDrk dk dFku gS fd e`rd lqjsUnzizrki flag vfookfgr Fkk vkSj 7200@&:i;s izfrekg dk osru izkIr djrk FkkA mldh e`R;q gksus ls ifjokj dks bl osru dk uqdlku gqvk] tcfd vius ifjokj dk Hkj.k&iks"k.k e`rd lqjsUnz izrkiflag }kjk gh fd;k tk jgk FkkA e`rd ds firk izkFkhZ la[;k&2 cyohjflag dh dksbZ i`Fkd vk; ugha gSA blfy, e`rd ds HkkbZ&cfgu Hkh e`rd ij Hkh vkfJr FksA vr% vfookfgr O;fDr dh e`R;q gksus ij vk; dh {kfr dk fcUnq fu/kkZfjr djus gsrq e`rd dh vk;q ds vk/kkj ij xq.kd yxk;k tkuk U;k;laxr gSA vius rdZ dh iqf"V esa fo}ku vf/koDrk us ekuuh; loksZPp U;k;ky; dk U;kf;d n`"Vkar ve`r Hkkuq 'kSyh o vU; cuke us'kuy ba';ksjsla dEiuh fyy0 o vU; 2012 ( 3 ) ,0lh0lh0Mh0 1137 ( ,l0lh0 ) izLrqr fd;kA fordZ esa chek dEiuh dh vksj ls fo}ku vf/koDrk Jh xtkuUn 'kekZ dk ;g rdZ gS fd e`rd dh vk; izekf.kr ugha gSA blfy, vk; dh {kfr ugha ekuh tk ldrh vkSj ;fn dksbZ dfYir vk; fu/kkZfjr Hkh dh tkrh gS rks 50 izfr'kr [kpZ dVkSrh ekuh tkuh pkfg, vkSj xq.kd Hkh e`rd ds ekrk&firk dh vk;q ds vk/kkj ij yxk;k tkuk pkfg,A vius rdZ dh iqf"V esa fo}ku vf/koDrk us fuEu U;kf;d n`"Vkar is'k fd;s& 1- ljyk oekZ o vU; cuke nsgyh V~kaliksVZ dkWjiksjs'ku o vU; 2009 ,0lh0ts0 1298 ,l0lh0 2- U;w bafM;k ba';ksjsal dEiuh fy0 cuke Jherh 'kkafr ikBd o vU; 2007 ( 4 ) Vh0,0lh0 17 ,l0lh0 eSaus mHk; i{kksa }kjk izLrqr rdZ&fordksZa ij euu fd;kA izfrdj jkf'k ds laca/k esa e`rd dh vk; vkSj vk;q egRoiw.kZ gSA e`rd dh tUefrfFk 19 ebZ] 1990 crk;h x;h gS vkSj bl dFku dk dksbZ [k.Mu foi{kh dh vksj ls ugha fd;k x;k gSA blds vk/kkj ij oDr nq?kZVuk e`rd lqjsUnz izrkiflag dh vk;q 22 o"kZ curh gSA nwljk fcUnq vk; ds laca/k esa gSA izkFkhZ i{k }kjk e`rd dk osru crkus ds fy, iznkZ&26 vkSj 27 is'k fd;s x;sA cSad iklcqd esa jkf'k ds banzkt crkus ds fy, izn'kZ&28 is'k fd;k gS rFkk e`rd dh 'kS{kf.kd ;ksX;rk crkus ds fy, izn'kZ&29 vkSj 30 izLrqr fd;s x;sA izn'kZ&29 vkSj 30 ls ;g izekf.kr gS fd e`rd dh 'kS{kf.kd ;ksX;rk bruh gS fd og izn'kZ&26 esa crk;s x;s in ij dk;Zjr gksxkA ;|fi izn'kZ&26 vkSj 27 dks izekf.kr djus ds fy, lacaf/kr dEiuh@dk;kZy; ls fdlh O;fDr dks xokg ds :i esa is'k ugha fd;k x;k gS] ijUrq izn'kZ&28 cSad iklcqd dh izfr fuf'pr :i ls ;g dFku iq"V djrh gS fd e`rd izfrekg osru ds en esa jkf'k izkIr djrk FkkA o"kZ 2011 esa osru ds en esa 5]000@& :i;s] o"kZ 2012 esa 5381@&:i;s izkIr dj jgk FkkA blfy, e`rd dh ekfld vk; 5]400@&:i;s] rnuqlkj okf"kZd vk; 5,400 X 12 = 64,800/- :i;s curh gSA pwafd e`rd vfookfgr gSA ,slh fLFkfr esa e`rd ;fn thfor jgrk rks ekuuh; loksZPp U;k;ky; ds U;kf;d n`"Vkar ljyk oekZ o vU; cuke nsgyh V~kaliksVZ dkWjiksjs'ku o vU; Vh0,0lh0 2009 2 ist 677 ,l0lh0 esa izfrikfnr fl)kUr dh ikyuk esa vk; 1@2 fgLlk Lo;a ij [kpZ djrkA ,slh fLFkfr esa vk; dk 1@2 fgLlk 32]400@& :i;s curk gS] ftls de fd;s tkus izkFkhZx.k dks e`rd dh e`R;q ls gksus okyh vk; dh gkfu 32]400@&:i;s okf"kZd fu/kkZfjr dh tkrh gSA vkfJrksa dks gksus okyh vk; {kfr dh x.kuk gsrq xq.kd ds laca/k esa nksuksa i{kksa dh vksj ls vius&vius Ik{k dh iqf"V esa U;kf;d n`"Vkar is'k fd;s x;s gSaA chek dEiuh dh vksj ls U;w & bafM;k ,a';ksjlsa dEiuh fy0 cuke Jherh 'kkafr ikBd o vU; 2007 4 Vh0,0lh0 17 ,l0lh0 ds U;kf;d n`"Vkar ds vk/kkj ij ekrk&firk dh vk;q ds vk/kkj ij xq.kd yxk;s tkus dk fl)kUr izfrikfnr fd;k gS] tcfd nwljh vksj izkFkhZ }kjk ve`r Hkkuq 'kSyh o vU; cuke us'kuy ba';ksjlsa dEiuh fyo vU; 2012 3 ,0lh0lh0Mh0 1137 ,l0lh0 dk U;kf;d n`"Vkar is'k fd;k] ftlesa ekuuh; loksZPp U;k;ky; us ;g fl)kUr vfHkfu/kkZfjr fd;k fd e`rd vfookfgr gksus ds laca/k esa xq.kd e`rd dh vk;q ds vk/kkj ij yxk;k tkosxk u fd mlds mij vkfJrksa dh vk;q ds vk/kkj ijA vr% bl U;kf;d n`"Vkar esa izfrikfnr fl)kUr dh ikyuk esa e`rd dh vk;q 22 o"kZ gksus ls ekuuh; loksZPp U;k;ky; ds U;kf;d n`"Vkar ljyk oekZ o vU; cuke nsgyh V~kaliksVZ dkWjiksjs'ku o vU; Vh0,0lh0 2009 2 ist 677 ,l0lh0 esa izfrikfnr erkuqlkj izkFkhZx.k dks dqy vk; dh {kfriwfrZ gsrq 18 dk xq.kkad iz;ksx esa fy;k tkuk U;k;laxr izrhr gksrk gSA bl izdkj izkFkhZx.k dks gqbZ vk; dh gkfu 32,400 X 18 = 5,83,200/- :i;s curh gSA Hkfo"; dh izR;k'kk tgka rd Hkfo"; dh izR;k'kk dk iz'u gS] larks"knsoh cuke us'kuy ba';ksjlsa dEiuh fy0 o vU; 2012 vkj0,0vkj0 125 ,l0lh0 o jkts'k cuke jktohjflga o vU;] 2013 ,e0,0lh0Mh0 ist&186 ds U;kf;d n`"Vkra esa Lo & fu;ksftr O;fDr ds fy, Hkfo"; dh izR;k'kk fu/kkZfjr fd;s tkus dk fl)kUr izfrikfnr fd;k gSA vr% mijksDr U;kf;d n`"Vkar esa izfrikfnr fl)kUr ds vuqlkj e`rd lqjsUnzizrki flag dh vk;q 22 o"kZ gksus ls Hkfo"; dh izR;k'kk ds en esa vk; {kfr dh 50 izfr'kr jkf'k fn;k tkuk U;k;laxr gSA tks jkf'k 2]91]600@& :i;s curh gSA nkg laLdkj ,oa izse okRlY; ds en esa ekuuh; loksZPp U;k;ky; }kjk jkts'k cuke jktohjflag o vU;] 2013 ,e0,0lh0Mh0 ist&186 ,oa dyknsoh oxSjg cuke Hkxokunkl pkSgku ,e0,0lh0Mh0 2014 ,l0lh0 459 esa izfrikfnr fl)kUr ds vk/kkj ij izkFkhZx.k dks e`rd lqjsUnz izrkiflag ds nkg laLdkj O;; (Funeral Expences) ds fy, 25]000@&:i;s ,oa iq= lq[k dh oapuk gsrq 1]00]000@& :i;s dh jkf'k fnyk;k tkuk mfpr gksxkA vr% izkFkhZx.k dks fnyok;h tkus okyh izfrdj dh jkf'k dk fu/kkZj.k fuEu izdkj ls fd;k tkrk gS& 1- vk; dh {kfr ds en esa = 5 , 83 , 200 /- :Ik;s 2- Hkfo"; dh izR;k'kk ds en esa = 2,91,600 / - :i;s 3- nkg laLdkj O;; = 25,000 /- 4- iq= lq[k oapuk gsrq = 1,00,000 / - :i;s dqy ;ksx% 9]99]800@& :i;s " izkFkhZx.k esa e`rd ds firk vkSj HkkbZ&cfguksa dks Hkh e`rd ij vkfJr crk;k gS ijUrq xokg ,0M0&1 cyohjflag us ftjg esa ;g dFku fd;k gS fd mls yxHkx 98]000@& :i;s osru feyrk gS vkSj ?kj dk [kpZ og Lo;a pykrk gS rFkk Lo;a dks fdlh izkbZosV dEiuh eas dk;Z djuk crk;k gSA blfy, ;g dFku Lohdkj fd;s tkus ;ksX; ugha gS fd e`rd dk firk izkFkhZ la[;k&2 vkSj HkkbZ&cfgu izkFkhZ la[;k&3 vkSj 4 e`rd ij vkfJr FksA bl izdkj izkFkhZ la[;k&2 yxk;r 4 e`rd ij vkfJr ugha gksus ds dkj.k izkFkhZ la[;k&1 e`rd dh ekrk gh izfrdj jkf'k 9]99]800@& :i;s izkIr djus dh vf/kdkfj.kh gSA 'ks"k jkf'k dh ekax lk{;kHkko esa [kkfjt dh tkrh gSA bl izdkj fook|d la[;k 2 dk fu.kZ; izkFkhZ ds Ik{k esa fd;k tkrk gSA blh vuq:i iapkV ikfjr fd;k tk;sA fook|d la[;k&3 bl fook|d dks izekf.kr djus dk Hkkj vizkFkhZ la[;k 1 yxk;r 3 ij gS] ijUrq foi{kh la[;k&1 yxk;r 3 dh vksj ls vius Hkkj dks mUeksfpr djus ds fy, dksbZ lk{; is'k ugha dh xbZ gSA chek dEiuh }kjk tks chfer okgu dks oS/k ,oa izHkkoh ykbZlsal/kkjh O;fDr }kjk pykus tkus ds laca/k esa vkifRr mBk;h gS] mls izekf.kr djus ds fy, dksbZ lk{; is'k ugha dh xbZ gSA ,Q0vkbZ0vkj0 ,d fnol ds foyEc ls djk;s tkus dh vkifRr Hkh izkFkhZ ds dFkuksa ij vfo'okl djus ds fy, Ik;kZIr ugha gS D;ksafd nq?kZVuk fnukad 13-08-2012 dh jkf= dks gqbZ vkSj fnuakd 14-08-2012 dks bl nq?kZVuk dh fjiksVZ ntZ djk;k tkuk ,slk foyEc ugha ekuk tk ldrk tks fd izkFkhZ ds crk;s dFkuksa esa fdlh izdkj dh QtZdkjh dks jax Hkjus gsrq ekuk tkuk Lohdkj fd;k tk ldsA ekuuh; loksZPp U;k;ky; us jfo cuke cnzhukjk;.k] ( 2011 ) ,0lh0lh0 704 ( ,l0lh0 ) ds U;kf;d n`"Vkar esa ?kVuk ls rhu eghus ckn ntZ djk;h x;h ,Q0vkbZ0vkj dks Hkh foyEc ds vk/kkj ij izkFkhZ ds dsl dks [kkfjt djus ds rdZ dks Lohdkj ugha fd;k gSA gLrxr izdj.k esa tgka ifjokj esa toku iq= 13-08-2012 dks nq?kZVuk esa e`R;q dks izkIr gks tkrk gS rks ogka 14 vxLr] 2012 dks Hkh mldh fjiksVZ fy[kk fn;k tkuk foyEc ugha ekuk tk ldrk] fo'ks"k :i ls tcfd lquhy us vius c;kuksa esa dFku fd;k gS fd iqfyl dks 100 uEcj ij VsyhQksu ls lwpuk ns nh FkhA blfy, ?kVuk ds rqjar ckn dh xbZ dk;Zokgh ls fdlh izdkj ls foyfEcr ,Q0vkbZvkj0 ugha ekuh tk ldrhA vr% vizkFkhZx.k }kjk mBk;h x;h vkifRr;ka izekf.kr ugha gksus ls Lohdkj fd;s tkus ;ksX; ugha gS vkSj fook|d la[;k&3 dk fu.kZ; vizkFkhZx.k ds fo:) fu.khZr fd;k tkrk gSA " 7. Looking to the facts and circumstances of the case and the findings arrived at by learned Tribunal as quoted herein above, the learned Tribunal is found to have dealt with each and every aspect of the matter, and has rightly passed the impugned judgment and award. I am in unison with the findings arrived at by the learned Tribunal. Hence, I do not think it just and proper to interfere with the impugned award passed by the Tribunal, and thus the appeals having no force, are hereby dismissed after confirming the judgment and award passed by the learned Tribunal.Appeals Dismissed. *******