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since 1985 practicing as advocate in both civil & criminal laws. This blog is only for information but not for legal opinions

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Thursday, September 26, 2013

conciliation/mediation = Undoubtedly, both the parties were minor at the time when the respondent claims that they were married. She further alleges that she gave birth to a daughter when the parties lived together as husband and wife. Respondent filed a suit with a prayer that the appellant be restrained from marrying anyone else during her life time. She also filed another suit claiming that she and her daughter are entitled to 1/3rd share of the property owned by the appellant and his father. She, therefore, prayed for a perpetual injunction restraining the appellant and his father from alienating the suit property.- Paramount duty of the Court in matrimonial matters should be to restore peace in the family. The attitude should not be to further encourage the parties to litigate. Only as a last resort the Court ought to decide the suit/proceeding on merits. Therefore, we are unable to approve the observations made by the High Court in the impugned judgment. In that view of the matter, the appeal is allowed; the observations made in Para 4 of the impugned judgment are deleted.

    published in http://judis.nic.in/supremecourt/imgst.aspx?filename=40831
                                                              REPORTABLE


                        IN THE SUPREME COURT OF INDIA
                        CIVIL APPELLATE JURISDICTION


                        CIVIL APPEAL NO. 8572 OF 2013
      [Arising out of Special Leave Petition (Civil) No.26148 of 2011]


           BHEEMRAYA                              ...APPELLANT


                                 VERSUS


           SUNEETHA                               ...RESPONDENT


                                    ORDER


                 Delay condoned.


                 Leave granted.


                 We have heard the  learned  counsel  for  the  parties  at
           length.


                 Undoubtedly, both the parties were minor at the time  when
           the respondent claims  that  they  were  married.  
 She  further
           alleges that she gave birth to a daughter when the parties lived
           together as husband and wife.


                 
Respondent filed a suit with a prayer that  the  appellant
           be restrained from marrying anyone else during  her  life  time.
           
She also filed another suit claiming that she and  her  daughter
           are entitled to  1/3rd  share  of  the  property  owned  by  the
           appellant  and  his  father.   She,  therefore,  prayed  for   a
           perpetual injunction restraining the appellant  and  his  father
           from alienating the suit property.
                                                                      ...2/-








                                     :2:


                 In the two suits filed by the respondent, the trial  Court
           in spite of recording findings of fact that parties  were  minor
           at the time of the alleged marriage, proceeded to decide the two
           suits  on  merits.   
The  first  appellate  Court  affirmed  the
           findings of the trial Court in both the suits.


                 The respondent filed two Regular  Second  Appeals  in  the
           High Court.
The finding that  the  plaintiff  (respondent)  was
           minor at the time of the  marriage  was  affirmed  by  the  High
           Court.  
However,  the  High   Court   held   that   since   the
           plaintiff/respondent was a minor, at the  time  when  the  suits were filed, they were not  maintainable.  
Therefore,  the  trial
           Court had no jurisdiction to decide the  same  on  merits.  
The
           findings recorded on merits were set aside.
The Regular  Second
           Appeals were partly allowed as indicated above.


                 The respondent had also filed a petition under  Section  9
           of the Hindu Marriage Act, 1955, which was dismissed.  She  then
           filed Misc. First Appeal No.31408 of 2009,  in  which  the  High
           Court  passed   the  impugned  order,   dismissing   the   same.
           Whilst
                                                                      ...3/-








                                     :3:
           dismissing the appeal,
the High  Court  held  that  in  view  of
           Section 5(iii) of the Hindu Marriage  Act,  1955,  clearly,  the
           marriage would be void.  
In view of this finding, the High Court
           further observed that it would be  open  to  the  respondent  to
           initiate criminal proceedings for prosecution of  the  appellant
           for an offence punishable under Section 376 of the Indian  Penal
           Code.  In our opinion, the  High  Court  was  not  justified  in
           making  such  observations.   
The  only  relief  sought  by  the
           respondent  was  for  restitution   of   conjugal   rights   and
           maintenance for the child.  
The High Court had rightly  observed
           that  even  an  illegitimate  child   would   be   entitled   to
           maintenance.  
The  High  Court  failed   to   appreciate   that
 essentially it was seized of a matrimonial dispute  between  the
 parties.  
The attitude of the Court  in  such   matters   should be to encourage and persuade the parties to reconcile.   
It  was
           an ideal case to be referred to  conciliation/mediation.  Having
           perused all  the  orders  in  various  proceedings  between  the
           parties, we do not see any reference to any effort made  by  the
           Court  to  adopt  such  a  course. Instead the
                                                                      ...4/-






                                     :4:
           observations made in Paragraph 4 of the impugned judgment  would
           push the parties further into conflict.
Paramount duty  of  the
           Court in matrimonial matters should be to restore peace  in  the
           family.  The attitude should not be  to  further  encourage  the
           parties to litigate.  
Only as a last resort the Court  ought  to
           decide the suit/proceeding on merits.  
Therefore, we are  unable
           to approve the observations made  by  the  High   Court  in  the
           impugned judgment.


                 In that view of the matter, the  appeal  is  allowed;  the
           observations made  in  Para  4  of  the  impugned  judgment  are
           deleted.


                 No costs.




                                                     ....................,J.
                                                     (SURINDER SINGH NIJJAR)




                                           ..............................,J.
                                          (FAKKIR MOHAMED IBRAHIM KALIFULLA)
           NEW DELHI
           SEPTEMBER 23, 2013

Wednesday, September 25, 2013

Damage to the crop due pesticides - not proved; Claim by other persons who names not mentioned in the purchased Bill = (2012) 2 SCC 506 – National Seeds Corporation Ltd. Vs. M. Madhusudhan Reddy & Anr. in which it was held that not only the purchaser of goods, but also beneficiaries who use the goods with approval of the person who purchased goods fall within purview of consumer. We agree with the proposition of law laid down by Hon’ble Apex Court, but in the case in hand, complainants have submitted in paragraph 1 of the complaint that they have purchased pesticides for a sum of Rs.9,000/- whereas bill dated 12.12.2006 is in the name of only Complainant no. 2. Further, perusal of complaint reveals that nowhere complainants have alleged that Complainant No. 1 and Complainant nos. 3 to 9 used aforesaid pesticides with approval of complainant no.2. In such circumstances, it cannot be inferred that Complainant No. 1 and Complainant Nos. 3 to 9 sprayed purchased pesticides on their crop with the approval of Complainant No. 2 who purchased pesticides from OP No. 2 and 3, and in such circumstances, Complainant No. 1 and Complainant 3 to 9 do not fall within purview of consumer and learned State Commission has not committed any error in holding that except Complainant No. 2, rest of the complainants do not fall within purview of consumer.- Complainants have not placed on record any laboratory report to substantiate that crops were damaged 100% due to application of pesticide. Report of Agriculture Development Officer only reveals that there was 100% damage to the wheat crop. These officers have not carried out any test to ascertain whether 100% damage to the wheat crop was due to application of purchased pesticides or not. They have mentioned damage as told by the complainants meaning thereby without carrying out any test regarding application of pesticides on the wheat crop. They have given report regarding damage to the crop due to application of purchased pesticides. 8. In the light of above discussion, we do not find any illegality, irregularity or jurisdictional error in the impugned order and revision petition is liable to be dismissed.

published in http://164.100.72.12/ncdrcrep/judgement/0013092511533404RP444612.htm
NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION
                                                NEW DELHI       

REVISION PETITION NO. 4446 OF 2012

(From the order dated 13.07.2012 in Appeal No. 859/2011 of the Haryana State Consumer Disputes Redressal Commission, Panchkula)


1. Devender Kumar S/o Sh. Khicchu
2. Radha Charan S/o Sh. Puran Lal
3. Mahendar S/o Sh. Heti
4. Devraj S/o Sh. Puran Lal
5. Parkash S/o Sh. Khema
6. Chander S/o Sh. Khajan Singh
7. Nand Kishore S/o Sh. Shiv Charan
8. Shyam S/o Sh. Uttam Singh
9. Rajender S/o Sh. Bhagmal
    All R/o of Village Mohna, Tehsil Ballabgarh,
    District Faridabad                                    …Petitioners/Complainants       
          Versus
1. M/s. Amsons Lab Pvt. Ltd.
    Works situated at
    Garhi ChhajuSamalkha
    Through its Director
2. Ashwani Kumar
    Shop No. 15, Indira Market,
    Old Sabzi Mandi,
    Delhi
3. M/s. Crop Care Biotech
    Through Ashwani Kumar
    Shop No. 15, Indira Market,
    Old Sabzi Mandi, Delhi
4. M/s. Yashika Agro Chem. Pvt. Ltd.
    208, Ambey Tower,
    Azadpur Commercial Complex,
    Delhi – 110 033
    Through its Director                             …Respondents/Opp. Parties (OP)

BEFORE
     HON’BLE MR. JUSTICE K.S. CHAUDHARI, PRESIDING MEMBER
     HON’BLE DR. B.C. GUPTA, MEMBER
For the Petitioners      :    Mr. Sunny Choudhary, Advocate
 For the Respondent  :       Mr. Arun Chandra, Advocate

PRONOUNCED ON  9th September,  2013

 

O R D E R


 PER JUSTICE K.S. CHAUDHARI, PRESIDING MEMBER

This revision petition has been filed by the petitioners/Complainants against the order dated 13.07.2012 passed by the Haryana State Consumer Disputes Redressal Commission, Panchkula (in short, ‘the State Commission’) in Appeal No. 859/2011 – M/s. Amsons Lab Pvt. Ltd. & OrsVs. DevenderKumar & Ors. by which, while allowing appeal, order of District Forum allowing complaint was set aside and complaint was dismissed.

2.      Brief facts of the case are that complainants/petitioners purchased 50 units of wheat weedicide sulfosulfuron 75% WG for a sum of Rs.9,000/- @ Rs.180/- per unit vide bill no. 515 dated 12.12.2006 from OP/Respondent nos. 2 & 3.  This product was manufactured by OP No. 1/Respondent No. 1 and OP No. 4- Respondent No. 4 was marketing agent.  Complainants sprayed pesticides on their wheat crop, but entire crop was damaged.  Complainants approached Agriculture Development Officer, who visited fields of the complainants on 7.2.2007 and found that there was 100% damage to the wheat crop of the complainants. Alleging deficiency on the part of OPs, complainants filed complaint before District Forum. OPs-Respondents resisted complaint and submitted that complainants have not filed any expert opinion along with complaint.  It was further submitted that samples taken by the Agricultural Authorities were found to be O.K. and test report issued by Government laboratory found pesticides upto the mark; hence, prayed for dismissal of complaint.  Learned District Forum after hearing both the parties allowed complaint and directed OP/respondents to pay Rs.4,79,380/- to the complainants along with 9% p.a. interest and further directed to pay Rs.9,000/- as litigation expenses.  Appeal filed by the OP was allowed by learned State Commission vide impugned order against which, this revision petition has been filed.

3.      Heard learned Counsel for the parties and perused record.

4.      Learned Counsel for the petitioners submitted that inspite of use of pesticides by all the complainants purchased from OP, learned State Commission has committed error in holding that complainants are not consumers. It was further submitted that learned State Commission has committed error in not placing reliance on report given by Agriculture Development Officer; hence, revision petition be allowed and impugned order be set aside.  On the other hand, learned Counsel for the respondents submitted that order passed by learned State Commission is in accordance with law; hence, revision petition be dismissed.

5.      Perusal of record clearly reveals that 50 units of pesticides were purchased by Complainant No. 2 – Radha Charan vide bill no. 515 dated 12.12.2006. 
This bill does not contain name of other complainants as purchasers.  
FIR was also lodged only by Radha Charan
Had the pesticide been purchased by all the complainants, all of them must have lodged FIR.  
In such circumstances, learned State Commission has not committed any error in holding that remaining 8 complainants do not fall within purview of consumer.  
Learned Counsel for the petitioners has placed reliance on 
(1997) 1 SCC 131 – Cheema Engineering Services VsRajan Singh, (2010) 10 SCC 194 – Chandigarh Housing Board Vs. Avtar Singh and Orsand (2012) 2 SCC 506 – National Seeds Corporation Ltd. Vs. M. Madhusudhan Reddy & Anrin which it was held that not only the purchaser of goods, but also beneficiaries who use the goods with approval of the person who purchased goods fall within purview of consumer.  
We agree with the proposition of law laid down by Hon’ble Apex Court, but in the case in hand, complainants have submitted in paragraph 1 of the complaint that they have purchased pesticides for a sum of Rs.9,000/- whereas bill dated 12.12.2006 is in the name of only Complainant no. 2. 
Further, perusal of complaint reveals that nowhere complainants have alleged that Complainant No. 1 and Complainant nos. 3 to 9 used aforesaid pesticides with approval of complainant no.2.   
In such circumstances, it cannot be inferred that Complainant No. 1 and Complainant Nos. 3 to 9 sprayed purchased pesticides on their crop with the approval of Complainant No. 2 who purchased pesticides from OP No. 2 and 3, and in such circumstances, Complainant No. 1 and Complainant 3 to 9 do not fall within purview of consumer and learned State Commission has not committed any error in holding that except Complainant No. 2, rest of the complainants do not fall within purview of consumer.

6.      Learned Counsel for the petitioner submitted that inspection report given by 3 officers clearly reveals that there was 100% damage to the wheat crop of the complainants due to application of purchased pesticides; even then, learned State Commission has committed error in placing reliance on report of Central Insecticides Laboratory NH-IV, Faridabad (Haryana). 
Perusal of record clearly reveals that FIR was lodged by the Complainant No. 2, Radha Charan against the OPs and Hon’ble High Court of Punjab & Haryana quashed FIR vide order dated 28.2.2011 and observed that reports from the Regional Pesticides Laboratory and Central Insecticides Laboratory revealed that samples were as per ISI specifications. 
If samples were found as per ISI specifications, the learned State Commission has not committed any error in placing reliance on Central Insecticides Laboratory NH-IV, Faridabad (Haryana) and dismissing complaint.

7.      Complainants have not placed on record any laboratory report to substantiate that crops were damaged 100% due to application of pesticide.  Report of Agriculture Development Officer only reveals that there was 100% damage to the wheat crop.  These officers have not carried out any test to ascertain whether 100% damage to the wheat crop was due to application of purchased pesticides or not. They have mentioned damage as told by the complainants meaning thereby without carrying out any test regarding application of pesticides on the wheat crop.  They have given report regarding damage to the crop due to application of purchased pesticides.

8.      In the light of above discussion, we do not find any illegality, irregularity or jurisdictional error in the impugned order and revision petition is liable to be dismissed.

9.      Consequently, revision petition filed by the petitioners is dismissed with no order as to costs.
………………Sd/-……………
( K.S. CHAUDHARI, J)
 PRESIDING MEMBER

..……………Sd/-………………
( DR. B.C. GUPTA )
 MEMBER
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Accident claim = when the drivers licence was not valid and was not renewed at the time of accident, petitioner is not entitled to 75% of the claim on non-standard basis and respondent has not committed any error in repudiating claim.

published in http://164.100.72.12/ncdrcrep/judgement/0013092511482503RP75-7613.htm
NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION
                                                NEW DELHI       

REVISION PETITION NO. 75-76 OF 2013

(From the order dated 08.11.2012 in Appeal No. FA/12/95 & FA/12/98 of the Chhattisgarh State Consumer Disputes Redressal Commission, Pandri, Raipur)

Alok Waghe
S/o Shri S.D. Waghe
R/o LIG, Tatibandh,
Raipur, Ditrict Raipur
(C.G.)                                                                   …Petitioner/Complainant       
          Versus
Bajaj Allianz General Insurance Co. Ltd.
Through: Branch Manager,
Shimangal BhawanPandri
Raipur, District Raipur
(C.G.)                                                               …Respondent/Opp. Party (OP)

BEFORE
     HON’BLE MR. JUSTICE K.S. CHAUDHARI, PRESIDING MEMBER
     HON’BLE DR. B.C. GUPTA, MEMBER
For the Petitioner      :      Mr. R.K. Bhawnani, Advocate

 PRONOUNCED ON  25th September,  2013

 


O R D E R



 PER JUSTICE K.S. CHAUDHARI, PRESIDING MEMBER

Both these revisions arise out of judgement dated 8.11.2012 in appeals filed against judgement of the District Forum.  Accordingly, the revisions were heard together and are being disposed of by common order.
These revision petitions have been filed by the petitioners/Complainants against the order dated 08.11.2012 passed by the Chhattisgarh State Consumer Disputes Redressal Commission, Raipur (in short, ‘the State Commission’) in Appeal No. FA/12/95  – Alok Waghe Vs. Bajaj Allianz Gen. Ins. Co. Ltd. and in Appeal No. FA/12/98 – Bajaj Allianz General Ins. Co. Ltd. Vs. Alok Waghe by which, while dismissing appeal of the complainant, appeal of OP was allowed and order of District Forum allowing complaint was set aside and complaint dismissed.
2.      Brief facts of the case are that complainant/petitioner owner of vehicle C.G.04/G-4139 got his vehicle insured from OP/respondent for a period of one year commencing from 5.9.2008 to 4.9.2009.  Vehicle met with an accident on 16.12.2008 and report was lodged with the Police and intimation was given to OP-Insurance Co.  Claim was lodged with the OP, but claim was repudiated.  Alleging deficiency on the part of OP, complainant filed complaint before District Forum. OP resisted complaint and submitted that driver of the vehicle was not holding valid driving licence at the time of accident which amounted to violation of terms of insurance policy; hence, claim was repudiated rightly and prayed for dismissal of complaint.  Learned District forum after hearing both the parties allowed complaint and directed OP to pay 75% of the IDV value i.e. Rs.2,85,000/- on non-standard basis.  Both the parties filed appeal before State Commission and appeal filed by the complainant was dismissed but appeal filed by OP was allowed and complaint was dismissed by impugned order against which, these revision petitions have been filed.
3.      Heard learned Counsel for the parties and perused record.
4.      Learned Counsel for the petitioner submitted that driver of the vehicle was not disqualified from driving the vehicle at the time of accident and merely because licence was not renewed on the date of accident, petitioner was not disentitled to get claim on non-standard basis and learned District Forum rightly allowed the claim but learned State Commission has committed error in allowing appeal and dismissing complaint; hence, revision petition be allowed and impugned order be set aside.  On the other hand, learned Counsel for the respondent submitted that order passed by learned State Commission is in accordance with law; hence, revision petition be dismissed.
5.      It is admitted case of the parties that on the date of accident, vehicle was insured with the respondent. It is also not disputed that driver of the vehicle at the time of accident was not possessing valid driving licence, as his licence had validity upto 16.8.2007 and later on it was renewed on 8.5.2009.  Licence of the driver was not got renewed for the period from 17.8.2007 to 7.5.2009, whereas accident occurred on 16.12.2008. Thus, it becomes clear that on the date of accident, driver was not possessing valid driving licence.
6.      Learned Counsel for the petitioner submitted that though licence was not renewed on the date of accident but as driver of the vehicle was not disqualified from driving petitioner was entitled to get compensation on non-standard basis.  
He placed his reliance on (2010) 4 SCC 536 – Amalendu Sahoo Vs. Oriental Insurance Co. Ltd. Perusal of aforesaid citation clearly reveals that in that case one of the employees of the tenant of the complainant approached the complainant to handover the aforesaid vehicle for few hours for urgent use and no rent was charged by the complainant from the tenant for the use of vehicle. The vehicle met with an accident and in such circumstances, 75% claim was allowed on non-standard basis. 
This citation does not help to the cause of the petitioner because driver was not holding valid driving licence at the time of accident.  
In III (2008) CPJ 191 (NC) United India Ins. Co. Ltd. Vs. Arvind Kumar and III (2010) CPJ 256 (NC), National Insurance Co. Ltd. Vs. Sansar Chand, this Commission held that if driver of the vehicle was not possessing valid driving licence to drive that particular type of vehicle at the time of accident, Insurance Company is not liable to reimburse damages to the vehicle.
7.      In the light of aforesaid judgements it becomes clear that 
when the drivers licence was not valid and was not renewed at the time of accident, petitioner is not entitled to 75% of the claim on non-standard basis and respondent has not committed any error in repudiating claim.
8.      We do not find any illegality, irregularity or jurisdictional error in the impugned order and revision petitions are liable to be dismissed.
9.      Consequently, revision petitions filed by the petitioners are dismissed with no order as to costs.    
………………Sd/-……………
( K.S. CHAUDHARI, J)
 PRESIDING MEMBER

..……………Sd/-………………
( DR. B.C. GUPTA )
 MEMBER
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Accident claim = whether; petitioner was entitled to receive Rs.5,00,000/- the amount for which vehicle was insured, or to get market price.= In the present case, as per surveyor G.S. Advani & Co. report, total cost of the repairs of the vehicle was Rs.3,05,000/- and market value of the vehicle was Rs.2,35,000/-. As per report of The Institute of Insurance Surveyors & Adjusters (Mumbai), Pune Unit, market value of damaged vehicle was Rs.2,35,000/- and salvage value of the vehicle was Rs.65,000/-. This report was given by the Committee of 3-independent surveyors after inspecting the vehicle and inquiry from market. In such circumstances, it can be presumed that value of the vehicle was around Rs.2,35,000/- and as per Condition No.4 of the insurance policy, petitioner was entitled only to receive Rs.2,35,000/-. In our judgment inDr. Vir Singh Malik Vs. The Oriental Insurance Co. Ltd. (Supra) case insured amount was allowed after depreciation because neither such condition was brought to our notice, nor report of independent surveyor regarding value of vehicle was placed. 11. In such circumstances, petitioner is not entitled to receive remaining Rs.2,63,500/-. Learned State Commission has not committed any error in dismissing appeal and upholding order of District forum dismissing complaint, though on other grounds. 12. Consequently, revision petition filed by the petitioner is dismissed with no order as to costs.

published in http://164.100.72.12/ncdrcrep/judgement/00130923110701918RP132008.htm
NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION
                                                NEW DELHI       

REVISION PETITION NO. 1320 OF 2008

(From the order dated 02.11.2007 in Appeal No. 863/2001 of the State Consumer Disputes Redressal Commission, Mumbai, Circuit Bench at Aurangabad)


Mrs. Laxmi Ramesh Sarda
Partner in M/s. Zumberlal Sitaram Sarda,
Sarda Lane, Ahmednagar                   …Petitioner/Complainant       
 Versus
The Manager
United India Insurance Co. Ltd.
Divisional Office, Kisan Kranti Bldg.,
Market Yard, Ahmednagar                            …Respondent/Opp. Party (OP)

BEFORE
     HON’BLE MR. JUSTICE K.S. CHAUDHARI, PRESIDING MEMBER
     HON’BLE DR. B.C. GUPTA, MEMBER
For the Petitioner      :      Mr. Jitendra Kumar, Advocate
 For the Respondent  :       Mr. S.K. Ray, Advocate

PRONOUNCED ON  23rd September,  2013

 

O R D E R


 PER JUSTICE K.S. CHAUDHARI, PRESIDING MEMBER

This revision petition has been filed by the petitioner/Complainant against the order dated 02.11.2007 passed by the State Consumer Disputes RedressalCommission, Mumbai, Circuit Bench at Aurangabad (in short, ‘the State Commission’) in Appeal No. 863/2001 – Mrs. Laxmi Ramesh Sarda Vs. The Manager, United India Ins. Co. Ltd. by which, while dismissing appeal, order of District Forum dismissing complaint was upheld.

2.      Brief facts of the case are that complainant/petitioner purchased CIELO passenger car for Rs.5,47,000/- on 15.6.1996.  Car was insured with the OP/respondent for a sum of Rs.5,00,000/- for a period of one year commencing from 21.7.98 to 20.7.99.  On 15.7.1999, car met with an accident and car was totally smashed and damaged and was a case of total loss.  Claim was submitted to the OP and OP finally paid Rs.2,36,500/- by cheque dated 15.11.1999 which was accepted by complainant under protest as Rs.2,36,500/- has been paid less.  Alleging deficiency on the part of OP, complainant filed complaint before District Forum.  OP contested complaint and submitted that amount of Rs.2,36,500/- was accepted by the complainant as full and final satisfaction; hence, complaint is not maintainable.  It was further submitted that vehicle was purchased in the year 1996 and its value could not have been Rs.5,00,000/- at the time of issuance of policy.  It was further submitted that market price of the vehicle as per surveyor’s report was Rs.2,35,000/- and Rs.2,36,500/- has already been paid; hence,    no deficiency on the part of OP and prayed for dismissal of complaint. Learned District Forum after hearing both the parties dismissed complaint against which, appeal filed by the petitioner was dismissed by learned State Commission vide impugned order against which this revision petition has been filed.

3.      Heard learned Counsel for the parties and perused record.

4.      Learned Counsel for the petitioner submitted that as it was a case of total loss, petitioner was entitled to receive full value of the vehicle for which it was insured and learned State Commission has committed error in dismissing appeal and leaned District Forum committed error in dismissing complaint       on the basis of payment as full and final satisfaction; hence, revision petition be allowed and impugned order be set aside.  On the other hand, learned Counsel for the respondent submitted that order passed by learned State Commission is in accordance with law; hence, revision petition be dismissed.

5.      It is admitted case of the parties that vehicle was purchased on 15.6.1996 for Rs.5,47,000/- and was insured for Rs.5,00,000/- on 21.7.1998. It is also admitted case that on account of accident on 15.7.1999, car was totally smashed and damaged and it was the case of total loss. 
Now, the question is 
whether; petitioner was entitled to receive Rs.5,00,000/-  the amount for which vehicle was insured, or to get market price.

6.      As far as payment of Rs.2,36,500/- as full and final settlement, perusal of record clearly reveals that amount was accepted by the petitioner under protest without prejudice.  
In such circumstances, it cannot be said that petitioner received this amount as full and final satisfaction and in such circumstances, complaint was maintainable.         

7.      As far as amount payable is concerned, as per insurance policy, vehicle was insured for Rs.5,00,000/-, but as per Surveyor, G.S. Advani & Co. total repair cost was Rs.3,05,000/- and market value  of the vehicle was Rs.2,35,000/- including salvage of Rs.65,000/-.  As per The Institute of Insurance Surveyors & Adjusters (Mumbai), Pune Unit, the market value of the insured vehicle was around Rs.2,35,000/-. This opinion was given by 3-Member Committee after inspecting the vehicle and enquiring market value of the vehicle from various sources and in such circumstances, we assume that market value of the vehicle on the date of accident was around Rs.2,35,000/-. 
8.      The short question to be decided is 
whether petitioner is entitled to receive insured value or market value.   

9.      Learned Counsel for the petitioner placed reliance on judgement dated 3.9.2013 in R.P. No. 4279 of 2012 – Dr. Vir Singh Malik Vs. The Oriental Insurance Co. Ltd. in which it was held that insured is entitled to receive compensation on the basis of value shown in insurance policy after deducting some depreciation.  On the other hand, learned Counsel for the respondent placed reliance on II (1992) CPJ 484 (NC) – Oriental Insurance Co. Ltd. Vs. SureshArjun Karande in which it was held that as per Condition No. 4 of the insurance policy, insured is entitled to receive value specified in the policy or value of the vehicle at the time of damage, whichever is less.  Condition No. 4 of the insurance policy runs as under:
“4.     The  company may at its own option repair, reinstate or replace the motor vehicle or part thereof and / or its accessories or may pay in cash the amount of the loss or damage and the liability of the company shall not exceed the actual value of the parts damaged or loss less depreciation for the reasonable cost of fitting and shall in no case exceed the insured estimate of the value of the motor vehicle (including accessories thereon) specified in the schedule or value of the motor vehicle (including accessories thereon) at the time of the loss or damage whichever is less.

This condition makes it clear that in case of total damage to the insured vehicle, insured is entitled to receive insured value of the vehicle or value of the motor vehicle at the time of loss whichever is less

10.    This Commission in II (1992) CPJ 484 (NC) – Oriental Insurance Co. Ltd. Vs. Suresh Arjun Karande has 
held that the State Commission was not right in awarding to the complainant the full amount mentioned in the policy and further held that surveyors should submit their separate and independent reports to the General Insurance Corporation and ascertain market value of the vehicle.  
In the present case, as per surveyor G.S. Advani & Co. report, total cost of the repairs of the vehicle was Rs.3,05,000/- and market value of the vehicle was Rs.2,35,000/-.  
As per report of The Institute of Insurance Surveyors & Adjusters (Mumbai), Pune Unit, market value of damaged vehicle was Rs.2,35,000/- and salvage value of the vehicle was Rs.65,000/-.  
This report was given by the Committee of 3-independent surveyors after inspecting the vehicle and inquiry from market.  
In such circumstances, it can be presumed that value of the vehicle was around Rs.2,35,000/- and as per Condition No.4 of the insurance policy, petitioner was entitled only to receive Rs.2,35,000/-.  
In our judgment inDr. Vir Singh Malik Vs. The Oriental Insurance Co. Ltd. (Supra) case insured amount was allowed after depreciation because neither such condition was brought to our notice, nor report of independent surveyor regarding value of vehicle was placed.

11.    In such circumstances, petitioner is not entitled to receive remaining Rs.2,63,500/-.  
Learned State Commission has not committed any error in dismissing appeal and upholding order of District forum dismissing complaint, though on other grounds.

12.    Consequently, revision petition filed by the petitioner is dismissed with no order as to costs. 
………………Sd/-……………
( K.S. CHAUDHARI, J)
 PRESIDING MEMBER


..……………Sd/-………………
( DR. B.C. GUPTA )
 MEMBER
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