Regional Manager v. Smt. Jyoti Jain W/o Late Shri Rakesh Kumar Jain, Aged

Judgment

1. Smt. Jyoti Jain W/o Late Shri Rakesh Kumar Jain, Aged About 25 Years, R/o H.no. 10, Sohan Nagar, Goner Road, Jaipur.

Kumari Divyanshi Jain D/o Late Shri Rakesh Kumar Jain, Aged About 2.5 Years, A Minor Through Natural Guardian Mother Smt. Jyoti Jain, R/o H.no. 10, Sohan Nagar, Goner Road, Jaipur.

3. Smt. Chameli Devi W/o Late Shri Nemichand Jain, Aged About 66 Years, R/o H.no. 10, Sohan Nagar, Goner Road, Jaipur.

4. Mukesh Khandelwal S/o Shri P.D. Gupta, R/o 45/85-186, Moti Path, Kiran Path, Mansarover, Jaipurn (Driver Of Car No. RJ-14-CG-3839 At The Time Of Accident).

5. Ramkumar Saharan S/o Shri Lunaram Saharan, R/o P.no. 62, Brij Enclave, Village Bishnawala, Jaipur (Owner Of Car No. RJ-14-CG-3839). ----Respondents Connected With S.B. Civil Miscellaneous Appeal No. 1073/2019

1. Smt. Jyoti Jain W/o Late Shri Rakesh Kumar Jain, Aged About 25 Years, R/o House No. 10 Sohan Nagar, Goner Road Jaipur

2. Kumari Divyanshi Jain D/o Late Shri Rakesh Kumar Jain, Aged About 2-1/2 Years Through Natural Guardian Smt. Jyoti Jain, R/o House No. 10 Sohan Nagar, Goner Road Jaipur

3. Smt. Chameli Devi W/o Late Shri Nemichand Jain, Aged About 67 Years, R/o House No. 10 Sohan Nagar, Goner [2025:RJ-JP:30730] (2 of 6) [CMA-305/2019] Road Jaipur ----Appellants Versus

1. Mukesh Khandelwal S/o Shri P.D. Gupta, R/o 45/185-186, Moti Path, Kiran Path, Mansarovar, Jaipur (Driver Vehicle Car No. RJ-14-C.G.-3839)

2. Ramkumar Saharan S/o Shri Lunaram, R/o Plot No. 62 Brij Enclave Village Bishanwala, Jaipur (Registered Owner Vehicle Car No. RJ-14-C.G.-3839)

3. The Oriental Insurance Company Ltd. Through Regional Manager, Office Address, Anand Bhawan, Sansar Chandra Road, Jaipur (Insurance Company Vehicle Car No. RJ-14- C.G.-3839) ----Respondents For Appellant(s) : Mr. Pratap singh Arya, Adv. in C.M.A. No. 305/2019 Mr.Govind Gupta, Adv. in C.M.A. No. For Respondent(s) : Mr. Govind Gupta, Adv. Mr. Vinod Kumar, Adv. for respondent No. 4 & 5 HON'BLE MR. JUSTICE UMA SHANKER VYAS Judgment / Order 08/08/2025 mDr nksuksa vihysa fo}ku eksVj nq?kZVuk nkok vf/kdj.k ¼fof'k"B U;k;ky;] lkEiznkf;d naxk izdj.k½] t;iqj }kjk ,e-,-lh- izdj.k la[;k& 65@2017 esa ikfjr fu.kZ; o vokMZ fnukad 03-12-2018 ds ek/;e ls e`rd jkds'k tSu dh iRuh@iq=h@ekrk ¼ftUgsa vkxs nkosnkjku dgk tk;sxk½ dks e`rd dh okgu nq?kZVuk esa e`R;q gks tkus ls dqy 48]15]000@& :i;s izfrdj N% izfr'kr okf"kZd C;kt lfgr fnyk;k x;k gSA mDr nksuksa vihysa ,d gh fu.kZ; ds fo:) is'k gksus ls ,d gh vkns'k ds ek/;e ls fuLrkfjr dh tk jgh gSaA [2025:RJ-JP:30730] (3 of 6) [CMA-305/2019] vihykFkhZ&chek dEiuh dh vksj ls fofo/k nhokuh vihy la[;k 305@2019 vkjksfir okgu dks feF;k :i ls fyIr fd;s tkus ds vk/kkj ij vihyk/khu fu.kZ; ,oa vokMZ vikLr fd;s tkus gsrq rFkk vihykFkhZ@nkosnkjku dh vksj ls nhokuh fofo/k vihy la[;k 1073@2019 izfrdj jkf'k dks c<k;s tkus gsrq izLrqr dh x;h gaSA fo}ku vf/koDrk chek dEiuh ,oa nkosnkjksa dks lquk x;k rFkk vfHkys[k dk voyksdu fd;k x;kA e`rd jkds'k tSu ds fj'rsnkj nhis'k }kjk ?kVuk fnukad 16-12-2016 dks gh izFke lwpuk fjiksVZ izn'kZ&1 ntZ djokdj ;g mYysf[kr fd;k gS fd e`rd jkds'k tSu ds vKkr dkj pkyd us vius okgu dks ykijokgh ls pykrs gq, VDdj ekjh] ftlds ifj.kkeLo:i mldh e`R;q gks xbZA fjiksVZ esa ;g Hkh mYysf[kr fd;k x;k fd dkj ds uEcj vkfn ds ckjs esa tkudkjh izkIr dj og iqfyl dks voxr djok nsxk vkSj mlds vuqØe esa fnukad 17-12-2016 dks vkjksfir dkj uEcj vkj-ts-&14&lh-th-&3839 ls nq?kZVuk gksuk iqfyl dks lwfpr fd;k x;k rFkk iqfyl }kjk bl vkjksfir okgu ds pkyd eqds'k [k.Msyoky ds fo:) vkijkf/kd U;k;ky; esa vkjksi i= izLrqr fd;k x;kA fo}ku vf/koDrk vihykFkhZ&chek dEiuh dk rdZ gS fd nhis'k ?kVuk dk izR;{kn'khZ xokg ugha gS rFkk dfFkr izR;{kn'khZ xokg izdk'k iapkSyh dks ckn esa feF;k :i ls izR;{kn'khZ xokg ds :i esa rS;kj dj vuqfpr :i ls izfrdj jkf'k izkIr djus dk iz;kl fd;k x;k gS] vius rdksZa ds leFkZu esa U;kf;d n`"Vkar AIR 2012 SUPREME COURT 1727 Maria Margarida Sequeria Fernandes and Ors. Vs. Erasmo Jack de Sequeria rFkk 2004 RAR 543 (Raj.) Mala Ram Vs. Roopa Ram & Ors. izLrqr fd;s x;s] ftuds voyksdu ls Li"V gS fd U;k;ky;@vf/kdj.k dk ;g nkf;Ro gS fd rF;ksa ds laca/k esa lR;rk dk vkadyu djus gsrq nLrkostksa@vfHkdFkuksa dk xgurk ls ijh{k.k djsA [2025:RJ-JP:30730] (4 of 6) [CMA-305/2019] izFke lwpuk fjiksVZdrkZ nhis'k ?kVuk dk izR;{kn'khZ xokg ugha gS] e`rd dh iRuh@nkosnkj Jherh T;ksfr tSu ,-MCY;w-&1 ds :i esa ijhf{kr gqbZ gS] og Hkh ?kVuk dh izR;{kn'khZ xokg ugha gS] ijUrq mlds }kjk ?kVuk ls lacaf/kr nLrkostksa dks iznf'kZr djok;k x;k gSA xokg ,-MCY;w-&2 izdk'k iapkSyh] ftls nhis'k us ?kVuk ds vxys fnu izR;{kn'khZ xokg gksuk lwfpr fd;k gS] dk dFku gS fd fnukad 16-12-2016 dks jkf= ds 12-30 cts og iksyksfoDVªh flusek ls iSny&iSny ?kj tk jgk Fkk] rc eksVjlkbZfdy uEcj vkj-ts-&14&,p-ch-&3067 ij lokj O;fDr dks dkj uEcj vkj-ts-&14&lh-th-&3839 ds pkyd us rstxfr o ykijokgh ls pykrs gq, VDdj ekj nh] mlds dkQh pksVsa vk;h] mlus iqfyl dks 100 uEcj ij Qksu dj ?kk;y dks vLirky igqapk;k] dkj okys dh xyrh ls ;g nq?kZVuk gqbZ] izfrijh{kk esa ;g tkfgj djrk gS fd mlds }kjk dksbZ fjiksVZ ntZ ugha djok;h x;h FkhA xokg ,-MCY;w-&2 izdk'k iapkSyh ?kVuk dk izR;{kn'khZ xokg gS] bl laca/k esa nhis'k }kjk ?kVuk ds vxys fnu gh iqfyl dks lwfpr dj fn;k x;k FkkA izR;{kn'khZ xokg ,-MCY;w-&2 izdk'k iapkSyh izfrijh{kk esa [kf.MRk ugha gqvk gS vkSj mlds dFkuksa ls Li"V gS fd mlds }kjk ;g nq?kZVuk ns[kh xbZ Fkh rFkk mlesa vkjksfir okgu ds pkyd dh ykijokgh ik;h xbZ gSA mijksDr nLrkosth o ekSf[kd lk{; ds vk/kkj ij ;g vf/klEHkkO; :i ls izekf.kr gqvk gS fd vkjksfir okgu ds pkyd dh ykijokgh ls gh ;g nq?kZVuk dkfjr gqbZ gSA vr% ,slh fLFkfr esa vkjksfir okgu dks feF;k :i ls vkfyIr fd;k gks ;g rF; izekf.kr ugha gS vkSj blh vk'k; dk fu"d"kZ fo}ku vf/kdj.k dk jgk gS] tks iq"V gksus vkSj vihykFkhZ&chek dEiuh dh ;g vihy [kkfjt gksus ;ksX; gSA tgka rd nkosnkjksa dh vihy dk iz'u gS] fo}ku vf/koDrk nkosnkjksa dk ;g fuosnu gS fd e`rd LFkk;h fu;kstu esa Fkk] vr% mldh 28 o"kZ dh vk;q dks ns[krs gq, Hkfo"; esa vk; o`f) dk ykHk 50 izfr'kr dh nj ls fn;k tkuk visf{kr Fkk] tcfd vf/kdj.k }kjk 40 izfr'kr dh nj ls gh ;g ykHk [2025:RJ-JP:30730] (5 of 6) [CMA-305/2019] fn;k x;k gSA bl laca/k esa vfHkys[k ds voyksdu ls Li"V gS fd e`rd dk izn'kZ&14 ds vuqlkj futh dEiuh esa foØ; dk;Zdkjh fnukad 11 vizSy] 2016 ls gksuk crk;k x;k gSA mijksDr nLrkostksa dks Hkh ekuk tkos rks mijksDr dEiuh esa e`rd ?kVuk ls 7&8 ekg iwoZ gh fu;ksftr Fkk] ;g dEiuh izkbZosV dEiuh gS] vr% ,slh fLFkfr esa og LFkk;h fu;kstu esa yEcs le; ls dk;Zjr jgk gks ,slh fLFkfr ugha gSA vr% 40 izfr'kr dh nj ls Hkfo"; esa vk; o`f) dk ykHk vf/kdj.k }kjk fnyk;k x;k gS og mfpr gS vkSj mlesa gLr{ksi fd;k tkuk mfpr ugha gSA fo}ku vf/koDrk nkosnkjksa dk ,d vU; fuosnu ;g gS fd e`rd dh iq=h o ekrk dks dalksfVZ;e dh gkfu dh en esa dksbZ izfrdj ugha fnyk;k x;k gS] blh izdkj laink dh gkfu ds en esa Hkh dksbZ jkf'k ugha fnyk;h xbZ gSA vfHkys[k ds voyksdu ls Li"V gS fd fo}ku vf/kdj.k }kjk ek= e`rd dh iRuh dks 40]000@& :i;s dalksfVZ;e dh gkfu ds en esa izfrdj fnyk;k gS tcfd Magma General Insurance Co. Ltd. Vs. Nanuram & Ors. (2018)18 SCC 130 esa izfrikfnr fl)karksa ds vuqlkj nkosnkj Øe 2 o 3 e`rd dh vo;Ld iq=h o ekrk Hkh 40]000&40]000@& :i;s vFkkZr~ dqy 80]000@& :i;s izfrdj jkf'k dalksfVZ;e dh gkfu dh en esa rFkk 15]000@& :i;s laink dh gkfu ds en esa vFkkZr~ dqy 95]000@& :i;s vfrfjDr jkf'k vihykFkhZ@nkosnkjku izkIr djus ds vf/kdkjh gSaA mijksDr foospukuqlkj vihykFkhZ&chek dEiuh dh vihy la[;k 305@2019 [kkfjt dh tkrh gS rFkk vihykFkhZ@nkosnkjksa dh vihy la[;k 1073@2019 vkaf'kd :i ls Lohdkj djrs gq, vk{ksfir fu.kZ; ,oa vokMZ fnukad 03-12-2018 dks mikarfjr djrs gq, ;g vkns'k fn;k tkrk gS fd vf/kdj.k }kjk tks izfrdj jkf'k fnyk;h xbZ gS] mlds vfrfjDr 95]000@& :i;s nkosnkjku vkjksfir okgu ds Lokeh] pkyd vFkok chek dEiuh ls la;qDr vFkok i`Fkd&i`Fkd :i ls ;kfpdk izLrqr djus dh fnukad ls olwyh rd 6 izfr'kr C;kt lfgr izkIr djus ds vf/kdkjh gSaA vk{ksfir vokMZ dh 'ks"k 'krsZa ;Fkkor jgsaxhA [2025:RJ-JP:30730] (6 of 6) [CMA-305/2019] v/khuLFk vf/kdj.k dk vfHkys[k ;fn bl U;k;ky; dks izkIr gks j[kk gS rks vkns'k dh izfr ds lkFk ykSVk;k tkosA AKSHAY KUMAR PAREEK /117-118 S (UMA SHANKER VYAS),J