National Insurance Co. Ltd v. Indira Srivastava Others

Harmej Singh Son of Shri Puran Singh, Resident of Sarup Nagar, P.S. Samaypur Badali, District Girdaspur And At Present Resident of Koshi Kalan P.S. Koshi Kalan, District Mathura (U.P.)

2. Kasturi Lal Vij Son of Shri S.R. Vij, Resident of 8717, Roshan Aara Road, New Delhi-110007

3. The United India Insurance Company Limited, Regional Office, Vishal Chamber, Tonk Road, Jaipur Through Regional Manager. ----Respondents/Non-Claimants For Appellant(s) : Mr. Sandeep Mathur, Adv. For Respondent(s) : Mr. Raaj Pal Chaudhary, Adv. HON'BLE MR. JUSTICE CHANDRA PRAKASH SHRIMALI Order RESERVED ON : 06/08/2025 PRONOUNCED ON : 28 /08/2025 vihykFkhZx.k dh vksj ls ;g vihy fo}ku vij ftyk U;k;k/kh'k ¼QkLV VªSd½] Øe&8] t;iqj 'kgj] t;iqj }kjk Dyse vkosnu la[;k [2025:RJ-JP:33548] (2 of 6) [CMA-1708/2007] 1014@2005 esa ikfjr fu.kZ; o vokMZ fnukad 06-01-2007 ls O;fFkr gksdj çLrqr dh gS] ftlds }kjk fo}ku vf/kdj.k us vihykFkhZx.k dks dqy 11]67]356@& :i;s {kfriwfrZ jkf'k rFkk mDr jde ij vokMZ çLrqr djus dh fnukad 31-10-2003 ls olwyh rd 6 izfr'kr dh nj ls C;kt fnyk, tkus dk vkns'k fn;k gSA vihykFkhZx.k ds fo}ku vfHkHkk"kd dk cgl ds nkSjku ;g rdZ jgk gS fd fnukad 23-01-2003 dks lM+d nq?kZVuk esa jkts'k nwnoky dh e`R;q gks xbZ FkhA mldh iRuh] vo;Ld iq= o mlds firk dh vksj ls {kfriwfrZ gsrq Dyse ;kfpdk çLrqr dh xbZ gSA e`rd jkts'k nwnoky 32 o"kZ dk Fkk vkSj jktLFkku iqfyl esa lc baLisDVj ds in ij dk;Zjr FkkA ml le; mldk osru 10]648@& :i;s çfrekg Fkk vkSj mldh 28 o"kZ dh lsok ckdh FkhA lsok esa jgrs gq, mls tks 9] 18] 27 o"kZ dh lsok vof/k dh osru o`f) dk ykHk feyrkA fo}ku vf/kdj.k us e`rd dh 8]458@& :i;s çfrekg vk; ekudj fof/kd Hkwy o =qfV dh gS] mldh Hkfo"; esa vk; o`f) dks /;ku esa ugha j[kk gS] fo}ku vf/kdj.k }kjk 17 dk xq.kd Hkh xyr ç;ksx fd;k x;k gS] tcfd 18 dk xq.kd ç;ksx esa fy;k tkuk pkfg,A blds vfrfjä vU; enksa esa Hkh fof/kd çko/kkuksa ds vuq:i fo}ku vf/kdj.k us çfrdj jkf'k ugha fnyokbZ gSA vr% vU; enksa esa Hkh çfrdj jkf'k c<+kbZ tkosA vihykFkhZ ds fo}ku vfHkHkk"kd dh vksj ls vius rdksZa ds leFkZu esa fuEufyf[kr U;kf;d n`"Vkar izLrqr fd;k x;k%&

1. National Insurance Co. Ltd. Vs. Indira Srivastava & Others 2008 ACJ 614 çR;FkhZ ds fo}ku vfHkHkk"kd dk cgl ds nkSjku ;g rdZ jgk gS fd e`rd jkts'k dh e`R;q ls iwoZ mldh vk; 10]648@& :i;s izfrekg Fkh] [2025:RJ-JP:33548] (3 of 6) [CMA-1708/2007] mlesa ls dVkSrh 2]190@& :i;s fd, tkus ij 'ks"k ekfld osru 8]458@& :i;s curk FkkA e`rd dh iRuh] tks vihykFkhZ Hkh gS] mls ifr dh txg ukSdjh fey xbZ gS] ikfjokfjd isa'ku Hkh fey jgh gS] ,slh fLFkfr esa e`rd dh e`R;q ds le; tks mls osru feyrk Fkk mls nqxuk fd, tkus dk dksbZ U;k;ksfpr vk/kkj ugha gSA e`rd ds rhu vkfJr gksus ds vk/kkj ij lgh :i ls 1@3 jkf'k dh dVkSrh dh xbZ gSA vr% çLrqr vihy vLohdkj dj [kkfjt dh tkosA eSaus mHk; i{kksa ds rdksaZ ij euu fd;k rFkk i=koyh dk voyksdu fd;kA orZeku çdj.k esa ojoä nq?kZVuk çnf'kZr nLrkost ds vk/kkj ij e`rd dh tUe fnukad 23-05-1971 Fkh rFkk nq?kZVuk fnukad 23-01-2003 dks gqbZ FkhA ,slh fLFkfr esa ojoä nq?kZVuk e`rd 31 o"kZ 8 ekg dk FkkA ojoä nq?kZVuk çn'kZ&12 ds vuqlkj e`rd jkts'k ds osru çek.k i= ds vuqlkj mldh izfrekg vk; 10]648@& :i;s Fkh] ftlesa dVkSrh 2]190@& :i;s djus ds ckn 'ks"k jkf'k 8]458@& :i;s jgrh gSA bl çdj.k esa ;g Loh—r fLFkfr gS fd e`rd dh e`R;q ds i'pkr mldh iRuh A.W.-1 Jherh ljkst nwnoky e`rd vkfJr ds :i esa fu;qfä çkIr dj pqdh gS vkSj og ikfjokfjd isa'ku Hkh çkIr dj jgh gSA ,slh fLFkfr esa çn'kZ 12 osru çek.k i= ds vk/kkj ij 'kq) jkf'k 8]458@& :i;s ls nqxuh ;k vU; o`f) dh gqbZ jkf'k dk fu/kkZj.k fd;k tkuk U;k;laxr o mfpr çrhr ugha gksrk gSA esjs fouez er esa fo}ku vf/kdj.k }kjk çn'kZ&12 osru çek.k i= ds vk/kkj ij e`rd dk osru 8]458@& :i;s fu/kkZfjr djus esa dksbZ fof/kd Hkwy o =qfV ugha dh gSA [2025:RJ-JP:33548] (4 of 6) [CMA-1708/2007] pwafd nq?kZVuk ds le; e`rd dh vk;q 31 o"kZ 8 ekg Fkh] ,sls esa National Insurance Co. Vs Pranay Sethi & Ors., (2017) 16 SCC 680 ds vuqlkj e`rd dh vk;q dks n`f"Vxr j[krs gq, fopkj.k vf/kdj.k }kjk 17 ds xq.kd dk iz;ksx fd;k x;k gS] ftlesa dksbZ fof/kd =qfV ugh gSA blds vfrfjDr e`rd jktdh; lsok esa dk;Zjr Fkk] ,sls esa Hkfo"; esa vk; o`f) dk ykHk 50 izfr'kr dh nj ls fn;k tkuk U;k;ksfpr gS] tks fo}ku vf/kdj.k us ugh fnyok;k gSA e`rd ij vkfJrksa dh la[;k dks ns[krs gq, fo}ku vf/kdj.k us 1@3 Hkkx dh dVkSrh dh gS] tks mfpr gSA bl izdkj e`rd dh ekfld vk; dVkSrh djus ds i'pkr 5]639@& :i;s 'ks"k jgrh gSA rn~uqlkj vk; gkfu dh x.kuk dh tkos rks ;g jkf'k 5639x12x17=11,50,356@& :i;s laxf.kr gksrh gS rFkk blesa 50 izfr'kr Hkfo"; esa vk; o`f) dk ykHk 5]75]178@& :i;s tksM+s tkus ij ;g jkf'k 17]25]534@& :i;s gksrh gS] tcfd fo}ku vf/kdj.k }kjk bl en esa 11]50]356@& :i;s fnyk;s gSaA vr% vk; gkfu ds en esa vihykFkhZx.k@nkosnkj 5]75]178@& :i;s vfrfjDr izkIr djus ds vf/kdkjh gSaA National Insurance Co. Vs Pranay Sethi & Ors.¼iwoksZDr½ fofu'p; esa ekuuh; mPpre U;k;ky; us ;g vfHkfu/kkZfjr fd;k gS fd%& "54. ........................ It seems to us that reasonable figures on conventional heads, namely, loss of estate, loss of consortium and funeral expenses should be Rs. 15,000/-, Rs. 40,000/- and Rs. 15,000/- respectively. The principle of revisiting the said heads is an acceptable principle. But the revisit should not be fact-centric or quantum-centric. We think that it would be condign that the amount that we have quantified should be enhanced on percentage basis in every three years and the enhancement should be at the rate of [2025:RJ-JP:33548] (5 of 6) [CMA-1708/2007] 10% in a span of three years. We are disposed to hold so because that will bring in consistency in respect of those heads." bl izdkj mDr fofu'p; ekuuh; mPpre U;k;ky; }kjk fnukad 31-10-2017 dks ikfjr fd;k x;k gSA mlds i'pkr Sadhana Tomar & Ors. Vs. Ashok Kushwaha & Ors. Civil Appeal No. 3763/2025 fofu'p; esa ekuuh; mPpre U;k;ky; }kjk fnukad 24-01-2025 dks iz.k; lsBh ¼iwoksZDr½ ds fu.kZ; ds vuq:i fu.kZ; ikfjr dj nq?kZVuk ds i'pkr dalksfVZ;e dh gkfu] lEink dh gkfu o vafre laLdkj ds enksa esa izR;sd rhu o"kZ i'pkr 10 izfr'kr dh o`f) dh x;h gSA blh izdkj dk er ekuuh; mPpre U;k;ky; }kjk Kavita Devi & Others Vs. Sunil Kumar & Another Diary No. 47285/2018 esa ikfjr fu.kZ; fnukad 06-08-2025 esa O;Dr fd;k gSA mDr fu.kZ; ekuuh; mPpre U;k;ky; }kjk Magma General Insurance Co. Ltd. Vs. Nanuram & Ors. (2018) 18 SCC 130 esa vfHkfu/kkZfjr fl)akrksa ds vuq:i fd;k x;k gS] ftlesa dalksfVZ;e] izse&Lusg dks foLr`r :i ls foosfpr djrs gq, eksVj okgu vf/kfu;e dks ykHknk;d o dY;k.kdkjh fof/k gksuk crkrs gq, mfpr izfrdj fu/kkZj.k ds laca/k esa er O;Dr fd;k x;k gSA ,slh fLFkfr esa bl izdj.k esa Hkh dalksfVZ;e dh gkfu] lEink dh gkfu o vafre laLdkj ds enksa esa iz.k; lsBh ¼iwoksZDr½ ds fu.kZ; fnukad 31-10-2017 ds vuq:i izR;sd rhu o"kZ esa 10 izfr'kr dh o`f) dk ykHk fn;k tkuk U;k;ksfpr izrhr gksrk gSA vr% ijEijkxr 'kh"kZd esa ekuuh; loksZPp U;k;ky; }kjk mijksDr U;kf;d n`"Vkarksa esa ikfjr fl)kar ds vuqlkj dalksfVZ;e gkfu ds en esa vihykFkhZx.k] tks fd e`rd dh iRuh] iq= o firk gSa] izR;sd 48]400@& :i;s vFkkZr~ dqy 1]45]200@& :i;s rFkk vafre laLdkj ds en esa [2025:RJ-JP:33548] (6 of 6) [CMA-1708/2007] 18]150@& :i;s ,oa lEink dh gkfu ds en esa Hkh 18]150@& :i;s vFkkZr mDr enksa esa dqy 1]81]500@& :i;s izkIr djus ds vf/kdkjh gSa] tcfd vf/kdj.k us mDr enksa esa dsoy 17]000@& :i;s gh fnyk;s x;s gSaA vr% mDr enksa esa dqy 1]64]500@& :i;s c<+ksrjh ;ksX; gSaA bl izdkj fo}ku vf/kdj.k }kjk tks izfrdj jkf'k fnyk;h x;h gS] mlesa c<ksrjh djrs gq, vihykFkhZ@nkosnkjku dqy 7]39]678@& :i;s vfrfjDr :i ls izkIr djus ds vf/kdkjh gSaA mijksDr foospu ds vuqlkj vihykFkhZx.k dh vksj ls izLrqr fofu'p; bl izdj.k ds rF;ksa ,oa ifjfLFkfr;ksa ls fHkUu gkssus ds dkj.k mUgsa dksbZ lgk;rk iznku ugh djrk gSA mijksDr foospukuqlkj ;g vihy vkaf'kd :i ls Lohdkj dj fo}ku vf/kdj.k ds vihyk/khu fu.kZ; fnukad 06-01-2007 dks mikUrfjr djrs gq, vkns'k fn;k tkrk gS fd fo}ku vf/kdj.k }kjk tks izfrdj jkf'k vihykFkhZx.k dks fnyok;h x;h gS] mlds vfrfjDr vihykFkhZx.k 7]39]678@& :i;s izkIr djus ds vf/kdkjh gksaxs rFkk vihykFkhZx.k mDr c<+h gqbZ jkf'k ij ;kfpdk izLrqr djus dh fnukad ls olwyh dh fnukad rd 07 izfr'kr okf"kZd lk/kkj.k C;kt nj ls C;kt Hkh izkIr djus ds vf/kdkjh gksaxsA vihyk/khu vkns'k dh 'ks"k 'krsaZ ;Fkkor jgsaxhA fo}ku vf/kdj.k dk vfHkys[k ;fn bl U;k;ky; dks izkIr gks j[kk gS] rks bl vkns'k dh izfr ds lkFk ykSVk;k tkosA MANISH SAINI /Res. (CHANDRA PRAKASH SHRIMALI),J