National Insurance Co v. Pranay Seth

Bhagchand S/o Late Shri Rajulal, Aged 16 Years, Minor Through Sarparsti Mother Santok Devi W/o Late Shri Rajulal, R/o Gram Hathona, Tehsil And District Tonk, Raj.

4. Manish S/o Rajulal, Aged 13 Years, Minor Through Sarparsti Mother Santok Devi W/o Late Shri Rajulal, R/o Gram Hathona, Tehsil And District Tonk, Raj. ----Appellants/Claimants Versus

1. Omprakash Choudhary S/o Shri Nanuram Choudhary, R/o Gram And Post Kanwarpura, Tehsil Amer, District Jaipur.

2. Ashok Kumar S/o Shri Mannaram, Aged 50 Years, R/o Bawriya Ki Dhani, Maheshwas, Phulera, District Jaipur Rajasthan.

3. Go Digit General Insurance Company Ltd., Office Atlantis, 95, 4 B Crossroad, Marmangla Industrial Layout, 5 Block, Bengluru, Karnatak (Insurance Company Boring Machine No. RJ-14-EA-1571) Policy No. D0035851C Insurance Period

31.01.2019 To 30.01.2020 ----Respondents/Non-Claimants For Appellant(s) : Mr. Bhanu Prakash Verma, Adv. For Respondent(s) : Mr. Chanderdeep Singh Jodha, Adv. HON'BLE MR. JUSTICE CHANDRA PRAKASH SHRIMALI 17/09/2025 Order vihykFkhZx.k@nkosnkjku dh vksj ls ;g vihy fo}ku U;k;k/kh'k] eksVj;ku nq?kZVuk nkok vf/kdj.k] Vksad }kjk ,e-,-lh- izdj.k la[;k CIS [2025:RJ-JP:38114] (2 of 5) [CMA-2993/2023] No. 38@2020 esa ikfjr fu.kZ; o vokMZ fnukad 02-06-2023 ls O;fFkr gksdj izLrqr dh x;h gS] ftlds ek/;e ls fo}ku vf/kdj.k us vihykFkhZx.k dks dqy 10]63]988@& :i;s dh izfrdj jkf'k rFkk mDr jkf'k ij ;kfpdk izLrqr djus dh fnukad 16-01-2020 ls 7 izfr'kr okf"kZd C;kt nj ls C;kt fnyok;k gSA chek daiuh rFkk okgu Lokeh@pkyd dh vksj ls dksbZ vihy izLrqr ugha dh x;h gSA vihykFkhZx.k@nkosnkjku ds fo}ku vfHkHkk"kd dk cgl ds nkSjku ;g lhfer rdZ jgk gS fd fnukad 14-10-2021 dks lM+d nq?kZVuk esa jktwyky dh e`R;q gks tkus ij nkosnkjku dh vksj ls Dyse ;kfpdk fo}ku vf/kdj.k ds le{k izLrqr dh x;h FkhA fo}ku vf/kdj.k us vihykFkhZx.k] tks fd e`rd dh iRuh rFkk iq=&iq=h gSa] mUgsa dalksfVZ;e dh gkfu ds en esa dqy 44]000@& :i;s dh izfrdj jkf'k gh fnyok;h gS] tcfd ekuuh; mPpre U;k;ky; }kjk vfHkfu/kkZfjr fl)karksa ds vuqlkj bl en esa izR;sd vihykFkhZ dks 48]400@& :i;s izfrdj jkf'k fnyok;h tkuh pkfg, FkhA blh izdkj nkg laLdkj ds en esa 18]150@& :i;s rFkk laink dh gkfu ds en esa Hkh 18]150@& :i;s fnyok;s tkus pkfg, Fks] tks fo}ku vf/kdj.k us ugha fnyok;s gSaA vr% izfrdj jkf'k esa fof/k vuqlkj c<+ksrjh dh tkosA izR;FkhZ&chek daiuh ds fo}ku vfHkHkk"kd dk cgl ds nkSjku rdZ jgk gS fd fo}ku vf/kdj.k us fof/kd izko/kkuksa ds rgr vihykFkhZx.k dh vksj ls izLrqr ekSf[kd ,oa nLrkosth lk{; ds lexz fo'ys"k.k ds mijkar lgh :i ls vkyksP; fu.kZ; o vokMZ ikfjr fd;k gS] ftlesa gLr{ksi fd;s tkus dh dksbZ vko';drk ugha gS] vr% vihykFkhZx.k dh vihy [kkfjt dh tkosA [2025:RJ-JP:38114] (3 of 5) [CMA-2993/2023] eSaus mHk; i{k ds rdksZa ij euu fd;k rFkk i=koyh dk voyksdu fd;kA orZeku izdj.k esa fnukad 14-10-2021 dks jktwyky o egsUnz cSjok eksVjlkbfdy uacj RJ 26 ST 6418 ls tk jgs FksA xzke [ksyfu;k ,th IykUV ds ikl cksfjax e'khu la[;k RJ 14 EA 1571 budh eksVjlkbfdy ds vkxs py jgh Fkh rFkh cksfjax e'khu ds pkyd us vpkud czsd yxk fn;s] ftlls cksfjax e'khu o eksVjlkbfdy dh VDdj gks x;h] ftlesa vk;h pksVksa ds dkj.k jktwyky dh e`R;q gks x;hA rRi'pkr nkosnkjku }kjk fo}ku vf/kdj.k ds le{k Dyse ;kfpdk izLrqr dh x;hA fo}ku vf/kdj.k us e`rd dh vk; gkfu ds laca/k esa tks izfrdj jkf'k vo/kkfjr dh gS] mlds laca/k esa vihykFkhZx.k dh vksj ls dksbZ cy ugha fn;k x;k gSA tgka rd ijEijkxr 'kh"kZd esa izfrdj jkf'k dk iz'u gS] National Insurance Co. Vs Pranay Sethi & Ors.; 2017 (16) SCC 680 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 [2025:RJ-JP:38114] (4 of 5) [CMA-2993/2023] 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 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; mPpre U;k;ky; }kjk mDr U;kf;d n`"Vkarksa esa vfHkfu/kkZfjr fl)kar ds vuqlkj dalksfVZ;e gkfu ds en esa vihykFkhZx.k] izR;sd 48]400@& :i;s vFkkZr~ dqy 1]93]600@& :i;s] 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 76]800@& :i;s gh fnyk;s x;s gSaA vr% mDr enksa esa dqy 1]53]100@& :i;s c<+ksrjh ;ksX; gSaA [2025:RJ-JP:38114] (5 of 5) [CMA-2993/2023] ,sls esa fo}ku vf/kdj.k }kjk tks izfrdj jkf'k fnyk;h x;h gS] mlesa c<+ksrjh djrs gq, vihykFkhZx.k@nkosnkjku 1]53]100@& :i;s vfrfjDr :i ls izkIr djus ds vf/kdkjh gSaA mijksDr foospukuqlkj vihykFkhZx.k dh vksj ls izLrqr vihy vkaf'kd :i ls Lohdkj dj fo}ku U;k;k/kh'k] eksVj;ku nq?kZVuk nkok vf/kdj.k] Vksad }kjk ,e-,-lh- izdj.k la[;k CIS No. 38@2020 esa ikfjr fu.kZ; o vokMZ fnukad 02-06-2023 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 1]53]100@& :i;s izkIr djus ds vf/kdkjh gksaxs rFkk vihykFkhZx.k mDr c<+h gqbZ jkf'k ij fo}ku vf/kdj.k ds le{k ;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 layXu izkFkZuk i=] ;fn dksbZ gksa] mDrkuqlkj fuLrkfjr fd;s tkrs gSaA 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 /93 (CHANDRA PRAKASH SHRIMALI),J