Royal, Lankapuri, Shastri Nagar, Jaipur v. Kashiram S/o Mohan Lal, Resident Of Anoopgarh

Judgment

1. Kashiram S/o Mohan Lal, Resident Of Anoopgarh, District Sriganganagar, (Driver Bus No. Rj-07-Pa- 9500)

2. Jagjit Singh S/o Ram Singh, Resident Of Sarvoday Basti, Bikaner (Owner Bus No. Rj-07-Pa-9500)

3. United India Insurance Company Limited, Division Office At Paanch Batti, M.i. Road, Jaipur Having Its Regional Office At Vishal Chambers, Tonk Road, Jaipur Through Its Regional Manager (Insurer Bus No. Rj-07-Pa-9500) ----Respondents Connected With S.B. Civil Miscellaneous Appeal No. 2482/2019 Anwar Shabbir S/o Shabbir Hussain, Aged About 34 Years, Resident Of A-132-133, Vidhyadhar Nagar, Block B, Gali No. 1, Ward No. 69, Jaipur At Present Resident Of J.p. Colony, Sector-3 Shastri Nagar, Jaipur (Raj) ----Appellant Versus

1. Kashiram S/o Mohan Lal, R/o Anoopgarh, District

Sriganganagar, (Driver Bus No. Rj-07-Pa-9500) [2025:RJ-JP:33799] (2 of 9) [CMA-2486/2019]

2. Jagjit Singh S/o Ram Singh, Resident Of Sarvoday Basti, Bikaner (Owner Bus No. Rj-07-Pa-9500)

3. United India Insurance Company Limited, Division Office At Paanch Batti, M.i. Road, Jaipur Having Its Regional Office At Vishal Chambers, Tonk Road, Jaipur Through Its Regional Manager (Insurer Bus No. Rj-07-Pa-9500) ----Respondents For Appellant(s) : Mr. Vinay Mathur, Adv. For Respondent(s) : Mr. Lokesh Parihar, Adv. HON'BLE MR. JUSTICE UMA SHANKER VYAS Judgment / Order 26/08/2025 mijksDr nksuksa vihysa fo}ku eksVj nq?kZVuk nkok vf/kdj.k l[;k&1 t;iqj egkuxj] t;iqj }kjk eksVj nq?kZVuk nkok la[;k&124@2017 rFkk 143@2017 esa ikfjr fu.kZ; ,oa vokMZ fnukad 29-01-2018 ls O;fFkr gksdj izLrqr dh x;h gS] pwafd ;g nksuksa vihysa ,d gh fu.kZ; ds fo:) izLrqr dh x;h gS] vr% lqfo/kk dh n`f"V ls budk ,d gh vkns'k ds ek/;e ls fuLrkj.k fd;k tk jgk gSA vkjksfir okgu dh chek daiuh] okgu ekfyd o okgu pkyd dh vksj ls dksbZ vihy izLrqr ugha dh x;h gSA nkosnkjksa dh vksj ls ;g nksuksa vihysa izfrdj jkf'k dks vi;kZIr gksuk crkrs gq, c<ksrjh gsrq izLrqr dh x;h gSA [2025:RJ-JP:33799] (3 of 9) [CMA-2486/2019] laiw.kZ lkexzh ds vk/kkj ij vkjksfir okgu ls nq?kZVuk gksuk] ;g okgu izR;FkhZ chek daiuh ds ;gka chfer gksuk o okgu pkyd dh ykijokgh ls nq?kZVuk dkfjr gksuk fookn jfgr gSA fo}ku vf/koDrk vihykFkhZ o izR;FkhZ&chek daiuh dh cgl lquh x;h ,oa vfHkys[k dk voyksdu fd;kA S.B. Civil Misc. Appeal No. 2482/2019 'kCchj cuke dk'khjke oxSjg%& ;g vihy fo}ku vf/kdj.k }kjk Dyse ;kfpdk la[;k 143@2017 esa ikfjr vihyk/khu vokMZ o fu.kZ; ls O;fFkr gksdj izLrqr dh gS ftlds ek/;e ls vihykFkhZ@vkgr dks okgu nq?kZVuk esa ?kk;y gksus ij dqy 80]000@&:i;s izfrdj ds :i esa x.kuk djrs gq, rFkk Lo;a vihykFkhZ dh 50 izfr'kr ykijokgh ekurs gq, 40]000@&:i;s izfrdj jkf'k dk vokMZ 07 izfr'kr okf"kZd C;kt lfgr ikfjr fd;k x;k gSA fo}ku vf/koDrk vihykFkhZ dk fuosnu gS fd uD'kk ekSdk izn'kZ&3 ds vuqlkj nq?kZVuk esa vkjksfir cl pkyd dh laiw.kZ ykijokgh jgh gS] vkgr dh nq?kZVuk esa dksbZ ykijokgh ugha Fkh] va'knk;h mis{kk o ykijokgh ekurs gq, fo}ku vf/kdj.k }kjk rF;ksa o fof/k ds foijhr tkdj vihyk/khu fu.kZ; o vokMZ ikfjr fd;k gSA izfrdj jkf'k dks vi;kZIr gksuk crkrs gq, ;Fkksfpr :i ls c<k;s tkus dk fuosnu fd;kA blds foijhr izR;FkhZ chek daiuh }kjk vihyk/khu fu.kZ; o vokMZ dks rF;ksa o fof/k ds vuq:i gksuk crkrs gq, vihy [kkfjt fd;s tkus dk fuosnu fd;kA [2025:RJ-JP:33799] (4 of 9) [CMA-2486/2019] tgka rd va'knk;h mis{kk dk iz'u gS] nq?kZVuk fnukad 14-01-2017 dks jkf= 10 cts eq[; pkSjkgs ij ?kfVr gqbZ gSA rRle; vkgr eksVjlkbZfdy ij pkyd Fkk rFkk ihNs e`rd jkeizlkn o uq:y cSBs Fks] bl izdkj eksVjlkbZfdy ij ?kVuk ds le; dqy rhu O;fDr lokj FksA rhu O;fDr;ksa ds lokj gksus ek= ds vk/kkj ij eksVjlkbZfdy pkyd dh ykijokgh ugha ekuh tk ldrh] ysfdu orZeku ekeys esa ;g nq?kZVuk pkSjkgs ds lsaVj esa gqbZ gS tks izn'kZ&3 uD'kk ekSdk ds vuqlkj Li"V gSA cl pkyd dk ;g nkf;Ro Fkk fd ?kuh vkcknh ds chp pkSjkgs ij og cl dks dkQh /kheh xfr ls pykrk rFkk eksVjlkbZfdy pkyd vFkkZr vkgr dk Hkh ;g nkf;Ro Fkk fd pkSjkgk dzksl djus ls iwoZ nka;s ck;s vkus okys okguksa ds e/;utj gh okgu ij fu;a=.k j[kdj pkSjkgk dzksl djrkA mijksDr ifjfLFkfr;ksa esa fo}ku vf/kdj.k }kjk eksVjlkbZfdy o cl pkyd nksuksa dh cjkcj va'knk;h ykijokgh o mis{kk ekuh gS tks iw.kZr% rF;ksa o fof/k ds vuq:i gS vkSj bl vfHker esa dksbZ gLr{ksi fd;k tkuk mfpr ugha gSA tgka rd izfrdj jkf'k dk iz'u gS] nq?kZVuk ds ifj.kkeLo:i vkgr 18 fnu vLirky esa HkrhZ jgk gSA fpfdRlk nLrkostksa ds vuqlkj mlds nka;s o cka; gkFk o flj ij dqy rhu xaHkhj pksVsa vk;h gSA LFkk;h fu;ksZX;rk izek.k i= izn'kZ&17 ds vuqlkj 25-23 izfr'kr LFkk;h fu'kDrrk gksuk fpfdRld }kjk izekf.kr fd;k gSA fo}ku vf/kdj.k dk ;g fu.kZ; jgk gS fd fpfdRld lk{; esa ijhf{kr ugha gqvk gS] ijarq LFkk;h fu'kDrrk izek.k i= rhu fpfdRldksa ds cksMZ }kjk tkjh fd;k x;k gS] vr% ,slh fLFkfr esa ml ij vfo'okl fd;s tkus dk dksbZ dkj.k ugha [2025:RJ-JP:33799] (5 of 9) [CMA-2486/2019] gSA izekf.kr vk; o dk;Z dh izd`fr ds vHkko esa vkgr dk vdq'ky Jfed ekuk tkuk mfpr gSA pksVksa dh izd`fr vkfn dks ns[krs gq, dk;Z {kerk o vk;Z vtZu ds n`f"Vdks.k ls ;g LFkk;h fu'kDrrk 15 izfr'kr ekudj izfrdj jkf'k dh x.kuk fd;k tkuk o Hkfo"; esa vk; o`f) dk ykHk fn;k tkuk mfpr gksxkA fo}ku vf/kdj.k }kjk izfrdj jkf'k dh ,deq'r x.kuk 80]000@&:i;s dh x;h gS rFkk 50 izfr'kr ykijokgh vkgr dh ekurs gq, dqy 40]000@&:i;s izfrdj fnyk;k x;k gS] tks mfpr ugha gS] vr% vkgr dks fuEukuqlkj izfrdj fnyk;k tkuk mfpr gS%& 'kh"kZ@en dz- la- 1- vk; gkfu 207X30X12X16X15% 2- 3- Hkfo"; esa vk; o`f) dk ykHk 40izfr'kr 18 fnu vLirky esa HkrhZ jgus ds nkSjku lgk;d] ikSf"Vd vkgkj] vkokxeu vkfn ds en esa 500X18 izfrdj jkf'k :i;s esaa 1]78]848@& 71]539@& 9]000@& 4- rhuksa vfLFkHkax dh pksVksa dks ns[krs gq, 'kkjhfjd o ekufld ihMk osnuk ds en esa 50]000@& fpfdRlk fcyksa dh jkf'k 5- 6- nks ekg rd okLrfod vk; dh gkfu ;ksx 22]688@& 12]500@& 3]44]575@ & pwafd 50 izfr'kr Lo;a vkgr@vihykFkhZ dh ykijokgh ekuh x;h gS] vr% mijksDr jkf'k dk 50 izfr'kr 1]72]288@&:i;s gksrk gS] tks vihykFkhZ izkIr djus dk vf/kdkjh gSA fo}ku [2025:RJ-JP:33799] (6 of 9) [CMA-2486/2019] vf/kdj.k }kjk vkgr dks dqy 40]000@&:i;s dk izfrdj fnyk;k x;k gS] vr% vihykFkhZ blds vfrfjDr 1]32]288@&:i;s dk izfrdj izkIr djus dk vf/kdkjh gSA mijksDr foospukuqlkj vihykFkhZ dh vksj ls izLrqr ;g vihy vkaf'kd :i ls Lohdkj dh tkdj fo}ku vf/kdj.k }kjk tks 40]000@&:i;s dk vokMZ ikfjr fd;k x;k gS mlds vfrfjDr vihykFkhZ 1]32]288@&:i;s izfrdj izkIr djus dk vf/kdkjh gSA bl vkns'k ds ek/;e ls tks izfrdj jkf'k c<k;h x;h gS] ml ij Hkh vihykFkhZ] fo}ku vf/kdj.k esa ;kfpdk lafLFkr fd;s tkus dh fnukad ls olwyh rd 07 izfr'kr lk/kkj.k okf"kZd C;kt dh nj ls C;kt izkIr djus dk vf/kdkjh gksxk] vk{ksfir vokMZ dh 'ks"k 'krsZa ;Fkkor jgsaxhA S.B. Civil Misc. Appeal No. 2486/2019 Jherh Qkrek o vU; cuke dk'khjke oxSjg%& ;g vihy fo}ku vf/kdj.k }kjk Dyse ;kfpdk la[;k 124@2017 esa ikfjr vihyk/khu vokMZ o fu.kZ; ls O;fFkr gksdj izLrqr dh gS ftlds ek/;e ls vihykFkhZx.k dks muds iq= uq:y dh okgu nq?kZVuk esa e`R;q gksus ij dqy 8]76]400@&:i;s dk izfrdj jkf'k dk vokMZ 07 izfr'kr okf"kZd C;kt lfgr ikfjr fd;k x;k gSA fo}ku vf/koDrk vihykFkhZx.k }kjk fuosnu fd;k x;k fd nq?kZVuk ds le; vdq'ky Jfed dh U;wure etnwjh nj 207@&:i;s izfrfnu vFkkZr 6]210@&:i;s ekfld Fkh] ysfdu fo}ku vf/kdj.k us ek= 6000@&:i;s ekfld vk; ekudj izfrdj dh x.kuk dh x;h gSA e`rd vfookfgr ugha Fkk] vfirq [2025:RJ-JP:33799] (7 of 9) [CMA-2486/2019] rykd'kqnk Fkk ml ij mlds ekrk firk vkfJr Fks] vr% ,slh fLFkkfr esa e`rd ds O;fDrxr thou fuokZg ds en esa 1@2 Hkkx dh dVkSrh fd;s tkus ds LFkku ij 1@3 Hkkx dh dVkSrh fd;k tkuk mfpr FkkA dalksfVZ;e dh gkfu ds en esa Hkh vi;kZIr jkf'k gksuk crkrs gq, ;Fkksfpr :i ls c<k;s tkus dk fuosnu fd;kA blds foifjr fo}ku vf/koDrk izR;FkhZ@chek dEiuh dh vksj ls fo}ku vf/kdj.k ds fu.kZ; o vokMZ dks fof/klEer gksuk crkrs gq, vihy [kkfjt fd;s tkus dk fuosnu fd;kA nksuksa i{kksa ds rdksZa ds lanHkZ esa vfHkys[k dk voyksdu fd;kA tgka rd vk; gkfu dk iz'u gS] e`rd dh dksbZ izekf.kr vk; ugha Fkh] ?kVuk ds le; mldh mez 34 o"kZ FkhA e`rd ds firk us ;g Lohdkj fd;k gS fd mldk fookg gksus ds ckn fookg foPNsn gks pqdk Fkk rFkk ?kVuk ds le; mlds dksbZ iRuh ugha Fkh] vr% ,slh fLFkfr esa ?kVuk ds le; mldh okLrfod fLFkfr vfookfgr dh gh gS vkSj ekuuh; loksZPp U;k;ky; ds U;kf;d n`"Vkar National Insurance Co. Ltd. Vs. Pranay Sethi & Ors. (2017) 16 SCC 680 esa ikfjr fl)kar ds vuqlkj e`rd ds thfor jgus ij O;fDrxr [kpZ dh jkf'k esa 1@2 Hkkx dh dVkSrh fo}ku vf/kdj.k }kjk dh x;h gS] tks iw.kZr% mfpr gS rFkk mlesa gLr{ksi fd;k tkuk mfpr ugha gSA vk; gkfu dh x.kuk dh tkos rks ;g jkf'k 207X30X12X16X50%= 5,96,160/-:i;s gksrh gS ftlesa 40 izfr'kr Hkfo"; es vk; o`f) dk ykHk 2]38]464@&:i;s tksMs tkus ij ;g jkf'k 8]34]624@&:i;s laxf.kr gksrh gS tcfd fo}ku vf/kdj.k }kjk bl en esa 8]06]400@&:i;s gh izfrdj fnyk;k [2025:RJ-JP:33799] (8 of 9) [CMA-2486/2019] x;k gS] vr% bl en esa 28]224@&:i;s dh c<ksRrjh gksus ;ksX; gSA tgka rd daLkksfVZ;e dh gkfu dk iz'u gS] fo}ku vf/kdj.k us nkosnkjksa dks e`rd ds izse&Lusg vkfn ls oafpr gksus ds en esa dqy 40]000@&:i;s fnyk;s gS tcfd ekuuh; loksZPp U;k;ky; ds U;kf;d n`"Vkar Magma General Insurance Co. Ltd. Vs. Nanuram & Ors. (2018) 18 SCC 130 esa ikfjr fl)kar ds vuqlkj izR;sd nkosnkj 40]000@&:i;s vFkkZr dqy 80]000@&:i;s dalksVhZ;e ds uqdlkuh ds :i esa izkIr djus ds vf/kdkjh gSA vFkkZr bl en esa 40]000@&:i;s dh c<ksRrjh gksus ;ksX; gSA mijksDr foospukuqlkj tks fo}ku vf/kdj.k }kjk tks 8]76]400@&:i;s dk vokMZ ikfjr fd;k x;k gS vihykFkhZx.k mlds vfrfjDr 68]224@&:i;s izfrdj jkf'k izkIr djus ds vf/kdkjh gSA mijksDr foospukuqlkj vihykFkhZx.k dh vksj ls izLrqr ;g vihy vkaf'kd :i ls Lohdkj dh tkdj fo}ku vf/kdj.k }kjk tks 8]76]400@&:i;s dk vokMZ ikfjr fd;k x;k gS mlds vfrfjDr vihykFkhZx.k 68]224@&:i;s izfrdj izkIr djus dk vf/kdkjh gSA bl vkns'k ds ek/;e ls tks izfrdj jkf'k c<k;h x;h gS] ml ij Hkh vihykFkhZx.k] fo}ku vf/kdj.k esa ;kfpdk lafLFkr fd;s tkus dh fnukad ls olwyh rd 07 izfr'kr lk/kkj.k okf"kZd C;kt dh nj ls C;kt izkIr djus ds vf/kdkjh gksaxs] vk{ksfir vokMZ dh 'ks"k 'krsZa ;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 [2025:RJ-JP:33799] (9 of 9) [CMA-2486/2019] LFkxu ,oa vU; dksbZ izkFkZuk&i= ;fn yfEcr gksa rks os Hkh mDrkuqlkj fuLrkfjr fd, tkrs gSaA (UMA SHANKER VYAS),J Murari Lal Sharma /27-28