Office, II Floor, South Block Nehru Palace, Tonk Road, Jaipur v. Smt. Sangeeta Wife of Late Shri Ram Gopal Khandelwal

Judgment

1. Smt. Sangeeta Wife of Late Shri Ram Gopal Khandelwal, Age About 30 Years,

2. Kumari Anjali Khandelwal Daughter of Late Shri Ramgopal Khandelwal, Aged 7 Years (Through Natural Guardian And Mother Smt. Sangeeta)

3. Smt. Shanti Devi Wife of Shri Sitaram Khandelwal, Aged 62 Years,

Shri Sitaram Khandelwal Son of Late Sh. Mathura Prasad, Agad 62 Years, All R/o Plot No.108, Hasanpura-C, N.B.C. Road, Jaipur. ----Respondents/Claimants

5. Ganesh Prajapat Son of Shri Kalu Ram, R/o Village Bagarawa, Tehsil Peepalu, Police Station Peepalu, District Tonk (Driver of Tractor No. M.B.F.-2699)

6. Jagannath Son of Shri Ramchandra Patil, R/o Sukhpuri, Tehsil and District Burhanpur, Madhya Pradesh. (Registered Owner of Tractor No. M.B.F.-2699)

7. Rameshwar Prasad Yadav Son of Shri Sunder Lal Yadav, R/o Village Maharkhurd, Police Station Shahpura, District Jaipur, Presently Plot No. 37A, Kalyan Nagar, Durga Extension, Behind N.B.C. Quarters, Khatipura, Jaipur. ----Respondents/Non-Claimants Connected With [2025:RJ-JP:37381] (2 of 9) [CMA-2550/2015] S.B. Civil Miscellaneous Appeal No. 3662/2015

1. Smt. Sangeeta Wife of Late Shri Ram Gopal Khandelwal, Age About 33 Years,

2. Ku. Anjali Khandelwal Daughter of Late Shri Ram Gopal Khandelwal, Aged 10 Years (Through Her Mother And Natural Guardian Smt. Sangeeta Wife of Late Ram Gopal Khandelwal),

3. Shanti Devi Wife of Shri Sitaram Khandelwal, Aged 63 Years,

4. Sitaram Khandelwal Son of Late Mathura Prasad, Agad 65 Years, All R/o Plot No.108, Hasanpura-C, N.B.C. Road, Jaipur. ----Appellants/Claimants Versus

1. Ganesh Prajapat Son of Kalu Ram, R/o Village Bagdawa, Tehsil Piplu, Police Station Piplu, District Tonk (Driver).

2. Jagannath Son of Ram Chandra Patil, R/o Sukhpuri, Tehsil and District Burhanpur, Madhya Pradesh. (Registered Owner).

3. Rameshwar Prasad Yadav Son of Sunder Lal Yadav, R/o Village Maharkhurd, Police Station Shahpura, District Jaipur, Presently Plot No. 37-A, Kalyan Nagar, Durga Extension, Behind N.B.C. Quarters, Khatipura, Jaipur. (Owner By Purchase).

4. New India Assurance Company Limited, Having Its Regional Office at Nehru Palace, Tonk Road, Jaipur Through Its Regional Manager (Insurance Company) ----Respondents/ Non-Claimants For Appellant(s) : Mr. P.K. Kasliwal, Adv. For Respondent(s) : Mr. Vinay Mathur, Adv. [2025:RJ-JP:37381] (3 of 9) [CMA-2550/2015] HON'BLE MR. JUSTICE CHANDRA PRAKASH SHRIMALI 11/09/2025 Order chek daiuh The New India Assurance Company Ltd. ¼ftls vkxs ^chek daiuh* ds uke ls lacksf/kr fd;k tk,xk½ dh vksj ls S.B. Civil Misc. Appeal No. 2550/2015 rFkk nkosnkjku Jherh laxhrk o vU; ¼ftUgsa vkxs ^nkosnkjku* ds uke ls lacksf/kr fd;k tk,xk½ dh vksj ls S.B. Civil Misc. Appeal No. 3662/2015 fo}ku eksVj nq?kZVuk nkok vf/kdj.k] la[;k&1] t;iqj egkuxj] t;iqj }kjk Dyse ;kfpdk la[;k 2419@2012 esa ikfjr fu.kZ; o vokMZ fnukad 23-05-2015 ls O;fFkr gksdj izLrqr dh x;h gS] ftlds ek/;e ls fo}ku vf/kdj.k us vihykFkhZx.k dks dqy 10]25]000@& :i;s izfrdj jkf'k rFkk mDr jkf'k ij ;kfpdk izLrqr djus dh fnukad 26-11-2012 ls olwyh rd 6 izfr'kr lk/kkj.k okf"kZd C;kt dh nj ls C;kt fnyok;k gSA pwafd mDr nksuksa vihysa ,d gh vkyksP; vkns'k ls O;fFkr gksdj izLrqr dh x;h gSa] ,slh fLFkfr esa mDr nksuksa vihyksa dk fuLrkj.k ,d gh vkns'k ds ek/;e ls fd;k tk jgk gSA chek daiuh ds fo}ku vfHkHkk"kd dk cgl ds nkSjku ;g rdZ jgk gS fd ?kVuk ds le; vkjksfir okgu VªsDVj ds lkFk ikuh dk VSadj yxk gqvk Fkk] blfy, vkjksfir okgu dk mi;ksx O;kolkf;d dk;Z ds fy, gks jgk FkkA iz'uxr okgu dk pkyd ,y-,e-oh- pykus dk ykbZlsal j[krk Fkk] VªsDVj okgu pykus dk dksbZ izHkkoh o oS/k ykbZlsal mlds ikl ugha Fkk] ,slh fLFkfr esa chek daiuh dh 'krksZa dk mYya?ku gksus ds dkj.k chek daiuh izfrdj dh vnk;xh ds fy, nkf;Rok/khu ugha gSA blds vfrfjDr fo}ku [2025:RJ-JP:37381] (4 of 9) [CMA-2550/2015] vf/kdj.k us nkosnkjku dks fof/k vuqlkj izfrdj jkf'k fnyok;h gS] ftlesa c<+ksrjh fd;s tkus dh dksbZ vko';drk ugha gSA vr% chek daiuh dh vihy Lohdkj dh tkdj nkosnkjku dh vihy [kkfjt dh tkosA nkosnkjku ds fo}ku vfHkHkk"kd dk cgl ds nkSjku rdZ jgk gS fd iz'uxr okgu VªsDVj ds lkFk ikuh dk Vsadj yxk gksus ek= ls iz'uxr okgu dk mi;ksx O;kolkf;d dk;Z ds fy, gksuk ugha ekuk tk ldrk gSA VªsDVj pkyd iSls ysdj iz'uxr okgu ls ikuh dk Vsadj tksM+dj dgha ikuh Mkyus tk jgk gks] ,slk izLrqr lk{; ls Li"V ugha gqvk gSA gYds eksVj okgu dk pkyd O;kolkf;d okgu pyk ldrk gSA ,slh fLFkfr esa fo}ku vf/kdj.k us lgh :i ls chek daiuh dks izfrdj jkf'k dh vnk;xh ds fy, mÙkjnk;h Bgjk;k gSA blds vfrfjDr fo}ku vf/kdj.k us e`rd jkexksiky [k.Msyoky dh lM+d nq?kZVuk esa e`R;q gksus ij izfrdj jkf'k dh x.kuk djrs le; mldk ekfld osru 5]000@& :i;s ekudj x.kuk dh gS] ijarq e`rd ij vkfJr O;fDr;ksa dh la[;k dks /;ku esa j[krs gq, 1@4 Hkkx dh dVkSrh dh tkuh pkfg, Fkh] tcfd fo}ku vf/kdj.k }kjk 1@3 Hkkx dh dVkSrh dh x;h gSA blh izdkj fo}ku vf/kdj.k us e`rd dh Hkfo"; esa vk; o`f) dks /;ku esa ugha j[kdj bl en esa dksbZ izfrdj jkf'k ugha fnyok;h gS] tcfd fof/kd izko/kkuksa ds vuq:i nkosnkjku dks 40 izfr'kr dh nj ls Hkfo"; esa vk; o`f) dk ykHk fnyok;k tkuk pkfg, FkkA blh izdkj dalksfVZ;e o vU; enksa esa Hkh fo}ku vf/kdj.k us de izfrdj jkf'k fnyok;h gSA vr% izfrdj jkf'k esa fof/k vuqlkj o`f) fd;s tkus dk fuosnu fd;kA nkosnkjku ds fo}ku vfHkHkk"kd us vius rdksZa ds leFkZu esa fuEu U;kf;d n`"Vkar izLrqr fd;k%& [2025:RJ-JP:37381] (5 of 9) [CMA-2550/2015]

1. M/s Bajaj Alliance General Insurance Co. Ltd. Vs. Rambha Devi & Ors. 2024 (1) SCC 818 eSaus mHk; i{k ds rdksZa ij euu fd;k rFkk i=koyh dk voyksdu fd;kA orZeku izdj.k esa vkjksfir okgu ds lkFk ikuh dk Vsadj yxs gksus ek= ls ;g ugha ekuk tk ldrk gS fd mldk O;kolkf;d mi;ksx fd;k tk jgk gksA chek daiuh dh vksj ls VªsDVj dk O;kolkf;d mi;ksx fd;s tkus ds ckjs esa dksbZ nLrkosth ;k ekSf[kd lk{; izLrqr ugha dh x;h gS] uk gh N.A.W. 1 uouhr dqekj }kjk vius c;kuksa esa bl rF; dks Li"V fd;k x;k gSA mlds vius c;kuksa esa dFku jgs gSa fd og ugha crk ldrk gS fd VªsDVj ekfyd Vsadj ls [ksrksa esa ikuh Mkyus tk jgk gksA ,slh fLFkfr esa ;g ugha ekuk tk ldrk gS fd iz'uxr VªsDVj ds lkFk ikuh dk Vsadj yxs gksus ls mldk mi;ksx O;kolkf;d dk;Z ds fy, fd;k tk jgk gksA blds vfrfjDr izn'kZ&11 MªkbZfoax ykbZlsal esa okgu pkyd dks gYdk eksVj okgu pykus ds fy, vf/kd`r fd;k x;k gSA M/s Bajaj Alliance General Insurance Co. Ltd. Vs. Rambha Devi & Ors. 2024 (1) SCC 818 esa ekuuh; mPpre U;k;ky; dh laoS/kkfud ihB us 7500 fdyksxzke otu rd ds O;kolkf;d okguksa dks gYds eksVj okgu dks pykus ds fy, vf/kd`r pkyd }kjk pykus ;ksX; ekuk x;k gSA ,slh fLFkfr esa mDr fofu'p; esa vfHkfu/kkZfjr fl)karksa ds vk/kkj ij ;g ugha ekuk tk ldrk gS fd iz'uxr okgu pkyd VªsDVj dks ugha pyk ldrk gksA fo}ku vf/kdj.k us vius vkyksP; fu.kZ; esa bl iz'u dks foLr`r :i ls foosfpr fd;k gS] ftldh iqujko`fÙk fd;k tkuk U;k;ksfpr izrhr ugha gksrk gSA vr% chek daiuh dh vksj ls izLrqr vihy lkjghu gksus ls [kkfjt fd;s tkus ;ksX; gSA [2025:RJ-JP:37381] (6 of 9) [CMA-2550/2015] orZeku izdj.k esa fnukad 27-08-2012 dks fnu esa 1-00 ih-,e cts e`rd jkexksiky [k.Msyoky eksVjlkbfdy uacj RJ 14 41M 8943 ls viuh cPph dks ysus tk jgk Fkk] rc x.kifr uxj jsyos dkWyksuh dV ls FkksM+k vkxs VªsDVj uacj MBF 2699 ds pkyd us rst xfr o ykijokgh ls VªsDVj pykdj jkexksiky [k.Msyoky dh eksVjlkbfdy ds ihNs ls VDdj ekj nh] ftlls mldh e`R;q gks x;hA rRi'pkr e`rd ds fof/kd izfrfuf/k;ksa dh vksj ls fo}ku vf/kdj.k ds le{k Dyse ;kfpdk izLrqr dh x;hA fo}ku vf/kdj.k us vius vkyksP; fu.kZ; esa nq?kZVuk dh fnukad dks e`rd dh vk;q 38 o"kZ 4 ekg gksuk rFkk mldh ekfld vk; 5]000@& :i;s vo/kkfjr dh gS] ftlesa nksuksa i{kksa ds e/; dksbZ fookn ugha gSA nq?kZVuk ds le; e`rd ij mldh iRuh] ,d iq=h rFkk ekrk&firk vkfJr Fks] ,slh fLFkfr esa ekuuh; mPpre U;k;ky; }kjk vfHkfu/kkZfjr fofu'p; National Insurance Co. Vs Pranay Sethi & Ors., (2017) 16 SCC 680 ds vuqlkj mlds O;fDrxr [kpZ ds :i esa 1@4 Hkkx dh dVkSrh fd;k tkuk U;k;ksfpr gSA mDr dVkSrh fd;s tkus ds i'pkr e`rd dh ekfld vk; 3]750@& :i;s 'ks"k jgrh gSA e`rd vk;q 38 o"kZ 4 ekg gksus ds vk/kkj ij fo}ku vf/kdj.k }kjk 15 dk xq.kd iz;ksx esa fy;k x;k gS] tks lgh iz;ksx esa fy;k x;k gSA e`rd dh LFkk;h izd`fr dh ukSdjh gks vkSj og fu;fer osru izkIr djrk gks] bls nkosnkjku dh vksj ls lkfcr ugha fd;k x;k gSA ,slh fLFkfr esa e`rd ds Lofu;ksftr gksus ds vk/kkj ij mijksDr fofu'p; ds vuqlkj Hkfo"; esa vk; o`f) dk ykHk 50 izfr'kr ds LFkku ij 40 izfr'kr dh nj ls fn;k tkuk mfpr izrhr gksrk gSA mijksDrkuqlkj vk; gkfu dh x.kuk dh tkos] rks ;g jkf'k 3750x12x15=6,75,000@& :i;s laxf.kr gksrh gS rFkk blesa 40 izfr'kr [2025:RJ-JP:37381] (7 of 9) [CMA-2550/2015] Hkfo"; esa vk; o`f) dk ykHk 2]70]000@& :i;s tksM+s tkus ij ;g jkf'k 9]45]000@& :i;s gksrh gS] tcfd fo}ku vf/kdj.k }kjk bl en esa 9]00]000@& :i;s fnyk;s gSaA vr% vk; gkfu ds en esa 45]000@& :i;s c<+ksrjh ;ksX; gSaA tgka rd ijEijkxr 'kh"kZd esa izfrdj jkf'k dk iz'u gS] 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 10% in a span of three years. We are 41 disposed to hold so because that will bring in consistency in respect of those heads." 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 2025 INSC 938 esa ikfjr fu.kZ; esa O;Dr fd;k gSA mDr fu.kZ; ekuuh; mPpre [2025:RJ-JP:37381] (8 of 9) [CMA-2550/2015] U;k;ky; }kjk Magma General Insurance Co. Ltd. Vs Nanu Ram @ Chuhru Ram & 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 ,sls esa ekuuh; loksZPp U;k;ky; }kjk mDr U;kf;d n`"Vkarksa esa vfHkfu/kkZfjr fl)kar ds vuqlkj dalksfVZ;e gkfu ds en esa nkosnkjku] izR;sd 48]400@& :i;s vFkkZr~ dqy 1]93]600@& :i;s rFkk vafre laLdkj ds en esa 18]150@& :i;s rFkk lEink dh gkfu ds en esa Hkh 18]150@& :i;s vFkkZr mDr enksa esa dqy 2]29]900@& :i;s izkIr djus ds vf/kdkjh gSa] tcfd vf/kdj.k us mDr enksa esa dsoy 1]25]000@& :i;s gh fnyk;s gSaA vr% mDr enksa esa dqy 1]04]900@& :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, nkosnkjku dqy 1]49]900@& :i;s vfrfjDr :i ls izkIr djus ds vf/kdkjh gSaA mijksDr foospukuqlkj chek daiuh The New India Assurance Company Ltd. dh vksj ls vihy la[;k 2550/2015 vLohdkj dj [kkfjt dh tkrh gS rFkk nkosnkjku Jherh laxhrk o vU; dh vksj ls vihy la[;k 3662/2015 vkaf'kd :i ls Lohdkj dh tkdj fo}ku eksVj nq?kZVuk nkok [2025:RJ-JP:37381] (9 of 9) [CMA-2550/2015] vf/kdj.k] la[;k&1] t;iqj egkuxj] t;iqj }kjk Dyse ;kfpdk la[;k 2419@2012 esa ikfjr fu.kZ; o vokMZ fnukad 23-05-2015 dks mikUrfjr djrs gq, vkns'k fn;k tkrk gS fd fo}ku vf/kdj.k }kjk tks izfrdj jkf'k nkosnkjku dks fnyok;h x;h gS] mlds vfrfjDr nkosnkjku 1]49]900@& :i;s izkIr djus ds vf/kdkjh gksaxs rFkk nkosnkjku 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 /47-48 (CHANDRA PRAKASH SHRIMALI),J