ORDER : 1- vihykaV chek dEiuh dh vksj ls ;g vihy /kkjk&173 eksVj okgu vf/kfu;e&1988 ds vUrxZr U;k;ky; eksVj nq?kZVuk okn U;k;kf/kdj.k] dksViwryh] ftyk&tiqj ¼ftls vkxs ^fo}ku vf/kdj.k* ds uke ls lacksf/kr fd;k tk,xk½ }kjk Dyse ;kfpdk la[;k&886@2011] cmuoku jkeizlkn eh.kk cuke eqds'k dqekj o vU; ds ekeys esa ikfjr fu.kZ; o vokMZ fnukad 04-05-2015 ¼ftls vkxs ^vkyksP; fu.kZ;* ds uke ls lacksf/kr fd;k tk,xk½ ds fo#) izLrqr dh x;h gSA ftlds }kjk DysesaV&jsLiksaMsaV uEcj&1 dks eksVj okgu nq?kZVuk esa vkgr gks tkus ds QyLo:i fo}ku vf/kdj.k }kjk ;kph dks dqy 17]77]590@& #i;s dh {kfriwfrZ jkf'k e; C;kt 7-5 izfr'kr lkykuk dh nj ls fnyokbZ x;h gSA 2- nkSjkus cgl fo}ku vf/koDrk vihykaV chek dEiuh dk rdZ jgk gS fd ekeys dh ?kVuk fnukad 12-08-2011 dks ?kfVr gksuk crk;k x;k gS rFkk izFke lwpuk fjiksVZ fnukad 15-08-2011 dks foyEc ls ntZ djokbZ x;h gS] tcfd vkgr Lo;a iqfyldehZ gS] bl dkj.k lEiw.kZ ?kVuk lansgkLin gSA fo}ku vf/koDrk vihykaV chek dEiuh dk ;g Hkh rdZ jgk gS fd ekeys dh nq?kZVuk esa iz'uxr okgu dks xyr :i ls fyIr fd;k x;k gSA fo}ku vf/koDrk vihykaV chek dEiuh dk ;g Hkh rdZ jgk gS fd dfFkr p'enhn xokg ,-MCY;w&2 ds c;ku vUrxZr /kkjk 161 n.M ?f?;k lafgrk fnukad 31-08-2011 dks foyEc ls ntZ fd;s x;s gSa tks ekus tkus ;ksX; ugha gSA fo}ku vf/koDrk vihykaV chek dEiuh dk ;g Hkh rdZ jgk gS fd nq?kZVuk dk uD'kk ekSdk fnukad 31-08-2011 dks cuk;k x;k gS rFkk DysesaV@jsLiksaMsaV la[;k&1 dk fpfdRldh; ijh{k.k Hkh fnukad 01-09-2011 dks foyEc ls djok;k x;k gS] tks Hkh ?kVuk dks lansgkLin cukrk gSA fo}ku vf/koDrk vihykaV chek dEiuh dk ;g Hkh rdZ jgk gS fd iz'uxr okgu pkyd ds fo#) vfHk;ksx&i= izLrqr dj fn;s tkus ek= ls nq?kZVuk lkfcr ugha ekuh tk ldrh gSA fo}ku vf/koDrk vihykaV chek dEiuh dk ;g Hkh rdZ jgk gS fd DysesaV@jsLiksaMsaV la[;k&1 ds 'kjhj ij tks LFkk;h fu;ksZX;rk dkfjr gqbZ gS] mlds dkfjr gksus ls DysesaV dh vk; esa dksbZ {kfr ugha gqbZ gSA fo}ku vf/koDrk vihykaV chek dEiuh dk ;g Hkh rdZ jgk gS fd DysesaV@jsLiksaMsaV la[;k&1 nq?kZVuk ds le; iqfyl foHkkx esa dk;Zjr Fkk] mldk osru de ugha gqvk gS cfYd osru esa o`f) gqbZ gSA bl dkj.k fo}ku vf/kdj.k }kjk DysesaV dks vk; dh gkfu ds en esa tks jkf'k fnyokbZ x;h gS] og xyr fnyokbZ x;h gSA vr% mijksDr vk/kkjksa ij vihykaV chek dEiuh dh vksj ls izLrqr vihy la[;k&2724@2015 Lohdkj dh tkdj fo}ku vf/kdj.k ds vkyksP; fu.kZ; dks vikLr fd;s tkus dh izkFkZuk dh x;hA vius rdksZa ds leFkZu esa fo}ku vf/koDrk vihykaV chek dEiuh }kjk U;k;ky; dk /;ku fuEu U;kf;d n`"Vkarksa dh vksj vkdf"kZr fd;k x;k %& ? HDFC Ergo General Insurance Company Ltd. Vs. Guddi W/o Late Rambhajan, reported in (2023) 0 Supreme (Raj.)418 ? Shriram General Insurance Company Ltd. Vs. Akeela Bano & Ors., reported in 2023 (1) CCR 266 (Raj.) ? Rajender Vs. Om Prakash & Ors. reported in MACD 2007 (1) (Raj.) 361 ? Jagdish Narayan Vs. Dharmendra @ Dharma & Ors. (S.B. Civil Miscellaneous Appeal No. 1032/2018) decided on 03.07.2018 & ? The New India Assurance Company Ltd. Vs. Satish Chandra Sharma & Ors., reported in MANU/SC/0422/2022. 3- blds foijhr fo}ku vf/koDrk DysesaV@jsLiksaMsVa la[;k&1 dk rdZ jgk gS fd nq?kZVuk esa DysesaV ds 'kjhj esa rhu txg vfLFkHkax gqvk FkkA nq?kZVuk ds rqjra ckn bZykt ds fy, vLirky esa HkrhZ djok;k x;k Fkk] tgka HkrhZ jgdj mldk bZykt pyk gSA fo}ku vf/koDrk DysesaV@vkgr dk ;g Hkh rdZ jgk gS fd iz'uxr okgu Lokeh iq"dj nRr us uksfVl vUrxZr /kkjk 133 ,e-oh- ,DV ds tokc izn'kZ&6 esa nq?kZVuk dkfjr gksuk Lohdkj fd;k gSA bl izdkj nq?kZVuk lafnX/k ugha gSA fo}ku vf/koDrk DysesaV@jsLiksaMsaV la[;k&1 dk ;g Hkh rdZ jgk gS fd nq?kZVuk esa vkbZ pksVksa ls DysesaV ds 'kjhj esa tks LFkk;h fu;ksZX;rk dkfjr gksuk ik;k x;k gS] mlls DysesaV@jsLiksaMsVa la[;k&1 dks inksUufr dk uqdlku gqvk gS] bl dkj.k DysesaV@jsLiksaMsVa la[;k&1 dks vk; dh gkfu ds en esa tks {kfriwfrZ jkf'k fo}ku vf/kdj.k }kjk fnyokbZ x;h gS] mlesa gLr{ksi fd;s tkus dk dksbZ vk/kkj ekStwn ugha gSA vr% mijksDr vk/kkjksa ij vihykaV chek dEiuh dh vksj ls izLrqr vihy la[;k&2724@2015 dks [kkfjt fd;s tkus rFkk fo}ku vf/kdj.k ds vkyksP; fu.kZ; dh iqf"V fd;s tkus dk fuosnu fd;k x;kA vius rdksZa ds leFkZu esa fo}ku vf/koDrk DysesaV@jsLiksaMsaV la[;k&1 }kjk U;k;ky; dk /;ku fuEu U;kf;d n`"Vkar dh vksj vkdf"kZr fd;k x;k %& ? Magma HDI General Insurance Company Ltd. Vs. Smt. Shubhla & Ors. (S.B. Civil Miscellaneous Appeal No. 1239/2019) decided on 20.01.2023. Magma HDI General Insurance Company Ltd. Vs. Smt. Shubhla & Ors. (S.B. Civil Miscellaneous Appeal No. 1239/2019) decided on 20.01.2023. 4- cgl lquh x;hA i=koyh o fo}ku vf/kdj.k ds vfHkys[k dk voyksdu fd;k x;kA 5- tgka rd fo}ku vf/koDrk vihykaV chek dEiuh dk ;g rdZ fd ekeys dh ?kVuk lafnX/k gS] iz'uxr okgu dks nq?kZVuk esa xyr :i ls fyIr fd;k x;k gS rFkk iz'uxr okgu ls dksbZ nq?kZVuk dkfjr ugha gqbZ gS] bl dkj.k chek dEiuh {kfriwfrZ jkf'k vnk;xh ds fy, ftEesnkj ugha gSA bl laca/k esa gekjk ekuuk ;g gS fd ekeys dh nq?kZVuk fnukad 12-08-2011 dks ?kfVr gksuk crk;k x;k gSA ftldh izFke lwpuk fjiksVZ DysesaV@vkgr ds iq= gok flag ehuk }kjk fnukad 15-08-2011 dks ntZ djokbZ x;h gSA izFke lwpuk fjiksVZ esa fy[kk gS fd mlds firk ds ck;sa iSj] ck;sa gkFk o vkarksa rFkk isV ds vUnj xaHkhj pksVsa vkbZ gSaA i=koyh ds voyksdu ls ;g Hkh izdV gksrk gS fd nq?kZVuk ds ckn DysesaV@vkgr dks bykt gsrq fnukad 13-08-2011 dks ,l-ds- lksuh vLirky] t;iqj esa HkrhZ djok;k x;k gS rFkk HkrhZ nLrkost izn'kZ&19 esa vkj-Vh-,- Li"V vafdr fd;k x;k gSA DysesaV@jsLiksaMsaV la[;k&1 ds bZykt ds nLrkostkr ls ;g Hkh izdV gksrk gS fd vkgr ds ckbZa vxz Hkqtk esa ,d o ck;sa iSj esa nks] dqy rhu vfLFkHkax dh pksVsa dkfjr gksuk ik;k x;k gSA ,slh fLFkfr esa nq?kZVuk ds ckn tcfd DysesaV@jsLiksaMsaV la[;k&1 dks rqjra bZykt gsrq vLirky esa HkrhZ djok;k x;k gks] ogka izFke lwpuk fjiksVZ esa rhu fnu dk foyEc gksuk fdlh Hkh izdkj ls ?kkrd ugha ekuk tk ldrkA bl laca/k esa fo}ku vf/koDrk vihykaV chek dEiuh dh vksj ls yh x;h ;g vkifŸk Lohdkj fd;s tkus ;ksX; izrhr ugha gksrh gSA vr% vihykaV chek dEiuh dh vksj ls izFke lwpuk fjiksVZ foyEc ls ntZ djok;s tkus ds laca/k esa yh x;h vkifRr dks vLohdkj dj [kkfjt fd;k tkrk gSA 6- tgka rd ekeys dh nq?kZVuk dk laca/k gS] bl laca/k esa jkeizlkn DysesaV@jsLiksaMsaV la[;k&1 crkSj xokg ,-MCY;w&1 fo}ku vf/kdj.k ds le{k izLrqr gqvk gS] ftlus nq?kZVuk dh iqf"V dh gS rFkk leLr vko';d nLrkostkr dks iznf'kZr djok;k gSA izfrijh{kk esa bl lk{kh us O;Dr fd;k gS fd nq?kZVuk djus okyh thi lkeus ls rst xfr ls vk;h FkhA blh izdkj ?kVuk ds vU; p'enhn xokg ,-MCY;w&2 fdjksMh+ yky fo}ku vf/kdj.k ds le{k ijhf{kr gqvk gS] ftlus Hkh ?kVuk dh iqf"V djrs gq, fo}ku vf/kdj.k ds le{k lk{; nh gSA izfrijh{kk esa Hkh ,slh dksbZ ckr ugha vkbZ gS tks DysesaV@vkgr ,-MCY;w&1 o ,-MCY;w&2 dh lk{; esa lansg mRiUu djrh gksA ;gka ;g mYys[kuh; gS fd vihykaV chek dEiuh vFkok iz'uxr okgu Lokeh o pkyd us DysesaV@jsLiksaMsaV la[;k&1 dh vksj ls izLrqr lk{; ds [k.Mu esa dksbZ lk{; ugha nh gSA bl izdkj DysesaV@jsLiksaMsaV la[;k&1 dh vksj ls nq?kZVuk dh iqf"V djus okyh lk{; v[kf.Mr jgh gSA iz'uxr okgu pkyd ds fo#) vuqla/kku ds mijkar vkjksi&i= izLrqr fd;k x;k gSA vuqla/kku ds nkSjku okgu Lokeh dks tks uksfVl izn'kZ&6 fn;k x;k] mlesa oDr nq?kZVuk iz'uxr okgu ij jsLiksaMsaV uEcj&2 eqds'k dks pkyd gksuk Lohdkj fd;k gSA bu leLr rF;ksa o ifjfLFkfr;ksa dks n`f"Vxr j[krs gq, lk{; dh ckgqY;rk ds fl)kUr ds vk/kkj ij DysesaV@jsLiksaMsaV la[;k&1 dh vksj ls izLrqr v[kf.Mr lk{; ds vk/kkj ij ge blh fu"d"kZ ij igq?prs gS fd ekeys dh nq?kZVuk iz'uxr okgu pkyd }kjk iz'uxr okgu dks rst xfr o ykijokgh ls pykdj dkfjr dh x;h gS] ftlesa DysesaV@jsLiksaMsaV la[;k&1 ds 'kjhj ij pksVsa dkfjr gqbZ gSA vr% bl laca/k esa Hkh fo}ku vf/koDrk vihykaV chek dEiuh dh vksj ls yh x;h vkifŸk lkjghu gksus ds dkj.k vLohdkj dj [kkfjt dh tkrh gSA 7- vihykaV chek dEiuh dh vksj ls ,d vkifRr ;g yh x;h fd DysesaV@jsLiksaMsaV la[;k&1 iqfyl foHkkx esa dk;Zjr gksrs gq, ljdkjh deZpkjh Fkk vkSj nq?kZVuk ds ckn Hkh mldh ukSdjh cnLrwj tkjh jgh gSA nq?kZVuk ds le; tks osru DysesaV@jsLiksaMsaV la[;k&1 dks feyrk Fkk] mlls vf/kd osru nq?kZVuk ds ckn feyus yxkA bl rF; dks Lo;a DysesaV@jsLiksaMsaV la[;k&1 jkeizlkn us fo}ku vf/kdj.k ds le{k ys[kc) djok, x;s c;kuksa esa crk;k x;k gSA ,slh fLFkfr esa DysesaV@jsLiksaMsaV la[;k&1 vk; dh gkfu ds en esa dksbZ {kfr] nq?kZVuk esa dkfjr pksVksa ls ugha gqbZ gS] fdUrq fo}ku vf/kdj.k }kjk vk; dh gkfu ds en esa dqy 14]39]590@& #i;s dh jkf'k xyr :i ls DysesaV@jsLiksaMsaV la[;k&1 dks fnyokbZ x;h gSA vius rdZ ds leFkZu esa fo}ku vf/koDrk vihykaV chek dEiuh }kjk U;k;ky; dk /;ku ekuuh; mPpre U;k;ky; }kjk ikfjr fu.kZ; nh U;w bf.M;k ,';ksjsal dEiuh fyfeVsM cuke lrh'k pUnz 'kekZ o vU;] fjiksVsZM bu MANU/SC/0422/2022 dh vksj vkdf"kZr fd;k x;kA blds foijhr fo}ku vf/koDrk DysesaV@jsLiksaMsaV la[;k&1 dk rdZ jgk gS fd pwafd DysesVa @jsLiksaMsaV la[;k&1 dks mlds 'kjhj ij vkbZ pksVksa ls inksUufr ds vf/kdkj ls oafpr fd;k x;k gS] bl dkj.k vk; esa {kfr ekuk tkuk U;k;ksfpr gSA 8- nq?kZVuk esa DysesaV@jsLiksaMsaV la[;k&1 jkeizlkn eh.kk oDr ?kVuk vkj-,-lh- esa dkWLVscy ds in ij dk;Zjr Fkk o nq?kZVuk ds ckn Hkh og jktdh; lsok esa dk;Zjr jgk gSA jkeizlkn eh.kk crkSj xokg ,-MCY;w&1 ds :i esa fo}ku vf/kdj.k ds le{k mifLFkr gqvk gS] ftlus izfrijh{kk esa Lohdkj fd;k gS fd nq?kZVuk ds le; mldk osru 37]180@& #i;s Fkk o ckn esa mldk osru 38]190@& #i;s gks x;kA Lohd`r :i ls ljdkjh deZpkjh ds osru esa osru o`f) o vU; HkRrks dh c<ksrjh ds lkFk le;≤ ij o`f) gksrh jgrh gSA blh izdkj dh osru o`f) nq?kZVuk ds ckn Hkh DysesaV@jsLiksaMsaV la[;k&1 jkeizlkn dh gksrh jgh gSA nq?kZVuk esa dkfjr pksVksa ls DysesaV@jsLiksaMsaV la[;k&1 jkeizlkn ds osru esa dksbZ deh vk;h gks] ,slk dksbZ izek.k gekjs le{k izLrqr ugha fd;k x;k gSA bu leLr rF;ksa ,oa ifjfLFkfr;ksa dks n`f"Vxr j[krs gq, ;g ugha ekuk tk ldrk gS fd DysesaV@jsLiksaMsaV la[;k&1 jkeizlkn eh.kk ds 'kjhj ij vkbZ pksVksa ls mls vk; dh dksbZ gkfu gqbZ gksA bu ifjfLFkfr;ksa esa fo}ku vf/kdj.k us xq.kd dk iz;ksx djrs gq, vkgr jkeizlkn ds 'kjhj ij dkfjr 35-5 izfr'kr LFkk;h fu;ksZX;rk ds vk/kkj ij vk; dh gkfu ds en esa tks 14]39]590@& #i;s dh tks jkf'k fnyokbZ x;h gS] og =qfViw.kZ gSA DysesaV@jsLiksaMsaV la[;k&1 jkeizlkn eh.kk bl ekeys esa vk; dh gkfu dh {kfriwfrZ dh en esa dksbZ jkf'k izkIr djus dk vf/kdkjh ugha gSA vr% vk; dh gkfu ds en esa {kfriwfrZ jkf'k fnyok;s tkus dh lhek rd fo}ku vf/kdj.k dk fu.kZ; vikLr fd;s tkus ;ksX; gSA 9- fo}ku vf/kdj.k us DysesaV jkeizlkn eh.kk ds bZykt ij [kpZ jkf'k ds isVs 2]91]000@& #i;s] ikSf"Vd vkgkj o ekufld ihMk+ ds isVs 20]000@& #i;s] vLirky ykus&ys&tkus ds [kpZ ds isVs 20]000@& #i;s o 14 fnu vLirky esa HkrhZ jgus dh en esa 7]000@& #i;s dh jkf'k fnyokbZ x;h gSA 10- eksVj nq?kZVuk esa vkgr O;fDr;ksa dks {kfriwfrZ fnyok;s tkus ds lanHkZ esa ekuuh; mPpre U;k;ky; }kjk vius U;kf;d n`"Vkar Anant Son of Sidheswar Dukre Vs. Pratap son of Zhampannappa Lamzane & Anr., reported in (2018) 9 Supreme Court Cases 450, esa fl)kUr izfrikfnr fd;k gS tks fuEu izdkj ls gS%& “12. In case of motor accidents leading to injuries and disablements, it is a well settled principle that a person must not only be compensated for his physical injury, but also for the non-pecuniary losses which he has suffered due to the injury. The claimant is entitled to be compensated for his inability to lead a full life, and enjoy those things and amenities which he would have enjoyed, but for the injuries." "13. The purpose of compensation under the Motor Vehicles Act is to fully and adequately restore the aggrieved to the position prior to the accident. This Court in Yadava Kumar v. National Insurance Co. Ltd. explained “just compensation” in the following words:" "15. It goes without saying that in matters of determination of compensation both the tribunal and the court are statutorily charged with a responsibility of fixing a “just compensation”. It is obviously true that determination of a just compensation cannot be equated to a bonanza. At the same time the concept of “just compensation” obviously suggests application of fair and equitable principles and a reasonable approach on the part of the tribunals and courts. It is obviously true that determination of a just compensation cannot be equated to a bonanza. At the same time the concept of “just compensation” obviously suggests application of fair and equitable principles and a reasonable approach on the part of the tribunals and courts. This reasonableness on the part of the tribunal and court must be on a large peripheral field.” 11- gLrxr ekeys esa i=koyh ds voyksdu ls izdV gksrk gS fd ekeys dh nq?kZVuk esa dkfjr pksVksa ls DysesaV@jsLiksaMsaV la[;k&1 jkeizlkn ds 'kjhj esa dqy 35-5 izfr'kr LFkk;h fu;ksZX;rk dkfjr gksuk ik;k x;k gSA ftlesa vkgr ds 'kjhj esa rhu vfLFkHkax dh pksVsa Hkh dkfjr gqbZ FkhA bu leLr rF;ksa ,oa ifjfLFkfr;ksa dks n`f"Vxr j[krs gq, fo}ku vf/kdj.k us vk; dh gkfu ds en ds vfrfjDr tks {kfriwfrZ jkf'k DysesaV@jsLiksaMsaV la[;k&1 jkeizlkn eh.kk ds i{k esa fu/kkZfjr dh gS] og mfpr izdV ugha gksrh gSA mldk iqu% fu/kkZj.k ge fuEu izdkj ls fd;k tkuk mfpr le>rs gSaA 12- DysesaV@jsLiksaMsaV la[;k&1 dh vksj ls mlds bZykt ij [kpZ gqbZ /ku jkf'k ds laca/k esa leLr ewy fcy okmpj vkfn fo}ku vf/kdj.k ds le{k izLrqr fd;s x;s Fks] ftudh dqy jkf'k fo}ku vf/kdj.k us 2]91]000@& #i;s DysesaV@vkgr dks fnyokbZ x;h gS] blesa ge dksbZ gLr{ksi fd;k tkuk mfpr ugha le>rs gSaA 13- fo}ku vf/kdj.k }kjk DysesaV jkeizlkn eh.kk ds 'kjhj ij vkbZ pksVksa dh ?d`fr dks n`f"Vxr j[krs gq, 'kkjhfjd o ekufld ihMk+ dh en esa 20]000@& #i;s dh jkf'k DysesaV@jsLiksaMsaV la[;k&1 dks fnyokbZ x;h gSA DysesaV ds 'kjhj esa rhu vfLFkHkax dh pksVsa vkbZ gSa o mlds 'kjhj esa dqy 35-5 izfr'kr LFkk;h fu;ksZX;rk vkbZ gSA vr% 'kkjhfjd o ekufld ihMk+ ds en esa ge 50]000@& #i;s dh jkf'k DysesaV@jsLiksaMsaV la[;k&1 dks fnyok;k tkuk mfpr le>rs gSaA 14- fo}ku vf/kdj.k }kjk DysesaV jkeizlkn eh.kk dks Hkfo"; esa gksus okyh lq[k&lqfo/kkvksa dh deh ds en esa i`Fkd ls dksbZ jkf'k ugha fnyokbZ x;h gSA vr% Hkfo"; esa gksus okyh lq[k&lqfo/kkvksa dh deh ds en esa Hkh ge 50]000@& #i;s dh jkf'k DysesaV@jsLiksaMsaV la[;k&1 dks fnyok;k tkuk mfpr le>rs gSaA 15- gLrxr ekeys dh ?kVuk ukjk;.kiqj jksM+ ds ikl Kkuiqjk esa ?kfVr gqbZ gSA tgka ls DysesaV@jsLiksaMsaV la[;k&1 dks bZykt ds fy, igys vyoj] mlds mijkar t;iqj ys tk;k x;k gSA pksVksa dh ?d`fr dks ns[krs gq, Li"V gS fd DysesaV@jsLiksaMsaV la[;k&1 dks bZykt gsrq ckj&ckj fpfdRld ds ikl vkuk&tkuk iMk+ gSA fpfdRld ds ikl ykus&ys&tkus dh en esa fo}ku vf/kdj.k }kjk 20]000@& #i;s dh jkf'k DysesaV@vkgr dks fnyokbZ x;h gSA ftlesa c<ksrjh djrs gq, ge 30]000@& #i;s dh jkf'k DysesaV@jsLiksaMsaV la[;k&1 dks fnyok;k tkuk mfpr le>rs gSaA 16- fo}ku vf/kdj.k }kjk ikSf"Vd vkgkj dh en esa i`Fkd ls dksbZ jkf'k DysesaV@vkgr dks ugha fnyokbZ x;h gSA vr% ikSf"Vd vkgkj dh en esa ge 30]000@& #i;s dh jkf'k DysesaV@jsLiksaMsaV la[;k&1 dks fnyok;k tkuk mfpr le>rs gSaA 17- fo}ku vf/kdj.k }kjk DysesaV@vkgr dks nq?kZVuk ds mijkar 14 fnu vLirky esa HkrhZ jgus dh en esa 500@& #i;s izfrfnu ds fglkc ls dqy 7]000@& #i;s dh jkf'k fnyokbZ x;h gS] blesa ge dksbZ gLr{ksi fd;k tkuk mfpr ugha le>rs gSaA 18- mDrkuqlkj DysesaV@jsLiksaMsaV la[;k&1 fuEu izdkj ls {kfriwfrZ jkf'k izkIr djus dk vf/kdkjh gS %& ?e la[;k 'kh"kZ@en vf/kdj.k }kjk fnyokbZ x;h jkf'k bl fu.kZ; ds rgr fu/kkZfjr dh x;h jkf'k 1- Hkfo"; esa gksus okyh vk; vtZu dh {kerk esa deh ds en esa 14]39]590@& #i;s 'kwU; 2- 'kkjhfjd o ekufld ihM+k dh en esa 20]000@& #i;s 50]000@& #i;s 3- Hkfo"; esa gksus okyh lqfo/kk dh deh ds en esa 'kwU; 50]000@& #i;s 4- bykt ds nkSjku O;; gqbZ jkf'k ds en esa 2]91]000@& #i;s 2]91]000@& #i;s 5- ikSf"Vd vkgkj dh en esa 'kwU; 30]000@& #i;s 6- ;krk;kr o ifjogu dh en esa 20]000@&#i;s 30]000@& #i;s 7- 14 fnu vLirky esa HkrhZ jgus dh en esa 7]000@& #i;s 7]000@& #i;s dqy 17]77]590@&#i;s </td> <td style="width: 28.9331%;"> 4]58]000@&#i;s </td> </tr> </tbody> </table> 19- vr% mijksDr lexz foospu vuqlkj vihykaV chek dEiuh dh vksj ls izLrqr vihy la[;k&2724@2015 dks vkaf'kd :i ls Lohdkj fd;k tkdj fo}ku vf/kdj.k }kjk ikfjr iapkV ftlds }kjk DysesaV@jsLiksaMsaV la[;k&1 dks 17]77]590@& :i;s fnyok;s tkus dk vkns'k ikfjr fd;k x;k gS] ds LFkku ij 4]58]000@& :i;s dk iapkV ikfjr fd;k tkrk gSA 20- bl U;k;ky; ds LFkxu vkns'k fnuakd 29-07-2015 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 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 izR;FkhZ&DysesaV jkeizlkn dks dj fn;k tkos rFkk 'ks"k 50 izfr'kr jkf'k jk"V?h;d`r cSad esa ,Q-Mh-vkj- ds :i esa tek j[kh tkosA pawfd bl U;k;ky; }kjk chek dEiuh dh vihy dks vkaf'kd :i ls Lohdkj fd;k tkdj fo}ku vf/kdj.k }kjk fu/kkZfjr {kfriwfrZ jkf'k 17]77]590@& #i;s dks de fd;k tkdj 4]58]000@& #i;s dh {kfriwfrZ jkf'k] DysesaV@jsLiksaMsaV la[;k&1 dks izkIr djus dk vf/kdkjh ik;k x;k gSA ,slh fLFkfr esa fo}ku vf/kdj.k ds le{k tks 'ks"k 50 izfr'kr {kfriwfrZ jkf'k ,Q-Mh-vkj- ds :i esa tek j[kh x;h gS] mldk Hkqxrku vihykaV chek dEiuh dks fu;ekuqlkj dj fn;k tkosA 21- vkns'k dh izfr ds lkFk izdj.k dk vfHkys[k] vfoyEc lacaf/kr fo}ku vf/kdj.k dks ykSVk;k tkosA 22- rnuqlkj ;g vihy fuLrkfjr dh tkrh gSA 23- lHkh yfEcr izkFkZuk&i=ksa dks Hkh mijksDrkuqlkj fuLrkfjr fd;k tkrk gSA <hr color="rgb(84,0,168)"/> </body></html>

HDFC ERGO General Insurance Company Ltd. v. Ramprasad Meena S/o. Shri Chhitar Singh