{"id":17409,"date":"2026-01-09T22:53:17","date_gmt":"2026-01-09T17:23:17","guid":{"rendered":"https:\/\/service-public.in\/?p=17409"},"modified":"2026-01-09T22:53:26","modified_gmt":"2026-01-09T17:23:26","slug":"supreme-court-judgement-ramkhiladi-vs-united-india-insurance-company-case-number-9393-2019","status":"publish","type":"post","link":"https:\/\/service-public.in\/?p=17409","title":{"rendered":"Supreme Court Judgement Ramkhiladi vs United India Insurance Company Case number  9393\/2019"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Ramkhiladi vs The United India Insurance Company on 7<br>January, 2020<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ramkhiladi vs The United India Insurance Company on 7<br>January, 2020<\/p>\n\n\n\n<div data-wp-interactive=\"core\/file\" class=\"wp-block-file\"><object data-wp-bind--hidden=\"!state.hasPdfPreview\" hidden class=\"wp-block-file__embed\" data=\"https:\/\/service-public.in\/wp-content\/uploads\/2026\/01\/Ramkhiladi_vs_The_United_India_Insurance_Company_on_7_January_2020.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of Ramkhiladi_vs_The_United_India_Insurance_Company_on_7_January_2020.\"><\/object><a id=\"wp-block-file--media-169b5b66-90e7-4187-adf0-db49c0de4df0\" href=\"https:\/\/service-public.in\/wp-content\/uploads\/2026\/01\/Ramkhiladi_vs_The_United_India_Insurance_Company_on_7_January_2020.pdf\">Ramkhiladi_vs_The_United_India_Insurance_Company_on_7_January_2020<\/a><a href=\"https:\/\/service-public.in\/wp-content\/uploads\/2026\/01\/Ramkhiladi_vs_The_United_India_Insurance_Company_on_7_January_2020.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-169b5b66-90e7-4187-adf0-db49c0de4df0\">Download<\/a><\/div>\n\n\n\n<h1 class=\"wp-block-heading\">&#x2696;&#xfe0f; \u0b89\u0b9a\u0bcd\u0b9a\u0ba8\u0bc0\u0ba4\u0bbf\u0bae\u0ba9\u0bcd\u0bb1 \u0ba4\u0bc0\u0bb0\u0bcd\u0baa\u0bcd\u0baa\u0bc1 \u2013 \u0b8e\u0bb3\u0bbf\u0baf \u0ba4\u0bae\u0bbf\u0bb4\u0bcd \u0bb5\u0bbf\u0bb3\u0b95\u0bcd\u0b95\u0bae\u0bcd<\/h1>\n\n\n\n<h2 class=\"wp-block-heading\">(Motor Accident Compensation \u2013 Section 163A)<\/h2>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">1&#xfe0f;&#x20e3; \u0b87\u0ba8\u0bcd\u0ba4 \u0bb5\u0bb4\u0b95\u0bcd\u0b95\u0bc1 \u0b8e\u0ba4\u0bc8\u0baa\u0bcd \u0baa\u0bb1\u0bcd\u0bb1\u0bbf?<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0b92\u0bb0\u0bc1 \u0ba8\u0baa\u0bb0\u0bcd (<strong>\u0b9a\u0bbf\u0bb5\u0bb0\u0bbe\u0bae\u0bcd \/ \u0b9a\u0bcb\u0b9f\u0bcd\u0b9f\u0bc7\u0bb2\u0bbe\u0bb2\u0bcd<\/strong>)<br>&#x1f449; \u0bae\u0bb1\u0bcd\u0bb1\u0bca\u0bb0\u0bc1\u0bb5\u0bb0\u0bbf\u0ba9\u0bcd <strong>\u0baa\u0bc8\u0b95\u0bcd \u0b95\u0b9f\u0ba9\u0bcd \u0bb5\u0bbe\u0b99\u0bcd\u0b95\u0bbf<\/strong> \u0b93\u0b9f\u0bcd\u0b9f\u0bbf \u0b9a\u0bc6\u0ba9\u0bcd\u0bb1\u0bbe\u0bb0\u0bcd<\/li>\n\n\n\n<li>\u0bb5\u0bb4\u0bbf\u0baf\u0bbf\u0bb2\u0bcd:<br>&#x1f449; <strong>\u0bae\u0bb1\u0bcd\u0bb1\u0bca\u0bb0\u0bc1 \u0baa\u0bc8\u0b95\u0bcd<\/strong> \u0b95\u0bb5\u0ba9\u0b95\u0bcd\u0b95\u0bc1\u0bb1\u0bc8\u0bb5\u0bbe\u0b95 \u0bae\u0bcb\u0ba4\u0bbf<\/li>\n\n\n\n<li>\u0b85\u0ba8\u0bcd\u0ba4 \u0bb5\u0bbf\u0baa\u0ba4\u0bcd\u0ba4\u0bbf\u0bb2\u0bcd \u0b85\u0bb5\u0bb0\u0bcd <strong>\u0b87\u0bb1\u0ba8\u0bcd\u0ba4\u0bbe\u0bb0\u0bcd<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u0b85\u0bb5\u0bb0\u0ba4\u0bc1 \u0b95\u0bc1\u0b9f\u0bc1\u0bae\u0bcd\u0baa\u0ba4\u0bcd\u0ba4\u0bbf\u0ba9\u0bb0\u0bcd <strong>\u0b87\u0bb4\u0baa\u0bcd\u0baa\u0bc0\u0b9f\u0bc1 (Compensation)<\/strong> \u0b95\u0bc7\u0b9f\u0bcd\u0b9f\u0bc1 \u0bb5\u0bb4\u0b95\u0bcd\u0b95\u0bc1 \u0baa\u0bcb\u0b9f\u0bcd\u0b9f\u0bbe\u0bb0\u0bcd\u0b95\u0bb3\u0bcd<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">2&#xfe0f;&#x20e3; \u0baf\u0bbe\u0bb0\u0bc8 \u0b8e\u0ba4\u0bbf\u0bb0\u0bcd\u0ba4\u0bcd\u0ba4\u0bc1 \u0bb5\u0bb4\u0b95\u0bcd\u0b95\u0bc1 \u0baa\u0bcb\u0b9f\u0bcd\u0b9f\u0bbe\u0bb0\u0bcd\u0b95\u0bb3\u0bcd?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u0bb5\u0bbf\u0baa\u0ba4\u0bcd\u0ba4\u0bc1 \u0b9a\u0bc6\u0baf\u0bcd\u0ba4 \u0baa\u0bc8\u0b95\u0bcd\u0b95\u0bbf\u0ba9\u0bcd<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0b9f\u0bbf\u0bb0\u0bc8\u0bb5\u0bb0\u0bcd<\/li>\n\n\n\n<li>\u0b89\u0bb0\u0bbf\u0bae\u0bc8\u0baf\u0bbe\u0bb3\u0bb0\u0bcd<\/li>\n\n\n\n<li>\u0b87\u0ba9\u0bcd\u0b9a\u0bc2\u0bb0\u0ba9\u0bcd\u0bb8\u0bcd<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u0b87\u0bb5\u0bb0\u0bcd\u0b95\u0bb3\u0bc8 \u0b8e\u0ba4\u0bbf\u0bb0\u0bcd\u0ba4\u0bcd\u0ba4\u0bc1 \u0bb5\u0bb4\u0b95\u0bcd\u0b95\u0bc1 \u0baa\u0bcb\u0b9f\u0bb5\u0bbf\u0bb2\u0bcd\u0bb2\u0bc8<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2714;&#xfe0f; \u0bae\u0bbe\u0bb1\u0bbe\u0b95,<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0b87\u0bb1\u0ba8\u0bcd\u0ba4\u0bb5\u0bb0\u0bcd \u0b93\u0b9f\u0bcd\u0b9f\u0bbf\u0baf (\u0b95\u0b9f\u0ba9\u0bcd \u0bb5\u0bbe\u0b99\u0bcd\u0b95\u0bbf\u0baf) \u0baa\u0bc8\u0b95\u0bcd\u0b95\u0bbf\u0ba9\u0bcd<br>&#x1f449; <strong>\u0b89\u0bb0\u0bbf\u0bae\u0bc8\u0baf\u0bbe\u0bb3\u0bb0\u0bcd + \u0b87\u0ba9\u0bcd\u0b9a\u0bc2\u0bb0\u0ba9\u0bcd\u0bb8\u0bcd<\/strong><br>\u0b87\u0bb5\u0bb0\u0bcd\u0b95\u0bb3\u0bc8 \u0bae\u0b9f\u0bcd\u0b9f\u0bc1\u0bae\u0bcd \u0b8e\u0ba4\u0bbf\u0bb0\u0bcd\u0ba4\u0bcd\u0ba4\u0bc1 \u0bb5\u0bb4\u0b95\u0bcd\u0b95\u0bc1 \u0baa\u0bcb\u0b9f\u0bcd\u0b9f\u0bbe\u0bb0\u0bcd\u0b95\u0bb3\u0bcd<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">3&#xfe0f;&#x20e3; \u0b8e\u0ba8\u0bcd\u0ba4 \u0b9a\u0b9f\u0bcd\u0b9f\u0ba4\u0bcd\u0ba4\u0bbf\u0ba9\u0bcd \u0b95\u0bc0\u0bb4\u0bcd \u0bb5\u0bb4\u0b95\u0bcd\u0b95\u0bc1?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>Motor Vehicles Act \u2013 Section 163A<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0b87\u0ba4\u0ba9\u0bcd \u0b85\u0bb0\u0bcd\u0ba4\u0bcd\u0ba4\u0bae\u0bcd:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>No-fault liability<\/strong><\/li>\n\n\n\n<li>\u0baf\u0bbe\u0bb0\u0bcd \u0ba4\u0bb5\u0bb1\u0bc1 \u0b9a\u0bc6\u0baf\u0bcd\u0ba4\u0bbe\u0bb0\u0bcd \u0b8e\u0ba9\u0bcd\u0bb1\u0bc1 \u0ba8\u0bbf\u0bb0\u0bc2\u0baa\u0bbf\u0b95\u0bcd\u0b95 \u0ba4\u0bc7\u0bb5\u0bc8\u0baf\u0bbf\u0bb2\u0bcd\u0bb2\u0bc8<\/li>\n\n\n\n<li>\u0bb5\u0bbf\u0baa\u0ba4\u0bcd\u0ba4\u0bbf\u0bb2\u0bcd \u0bae\u0bb0\u0ba3\u0bae\u0bcd \u0ba8\u0b9f\u0ba8\u0bcd\u0ba4\u0ba4\u0bc1 \u0baa\u0bcb\u0ba4\u0bc1\u0bae\u0bcd<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">4&#xfe0f;&#x20e3; \u0b86\u0bb0\u0bae\u0bcd\u0baa\u0ba4\u0bcd\u0ba4\u0bbf\u0bb2\u0bcd \u0b8e\u0ba9\u0bcd\u0ba9 \u0ba4\u0bc0\u0bb0\u0bcd\u0baa\u0bcd\u0baa\u0bc1 \u0bb5\u0ba8\u0bcd\u0ba4\u0ba4\u0bc1?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">&#x1f697; Motor Accident Claims Tribunal<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0b95\u0bc1\u0b9f\u0bc1\u0bae\u0bcd\u0baa\u0ba4\u0bcd\u0ba4\u0bbf\u0ba9\u0bb0\u0bc1\u0b95\u0bcd\u0b95\u0bc1<br>&#x1f449; <strong>\u20b93,67,000<\/strong> \u0b87\u0bb4\u0baa\u0bcd\u0baa\u0bc0\u0b9f\u0bc1<\/li>\n\n\n\n<li>\u0b95\u0bbe\u0bb0\u0ba3\u0bae\u0bcd:\n<ul class=\"wp-block-list\">\n<li>Section 163A-\u0bb2\u0bcd<\/li>\n\n\n\n<li>\u0ba4\u0bb5\u0bb1\u0bc1 \u0ba8\u0bbf\u0bb0\u0bc2\u0baa\u0bbf\u0b95\u0bcd\u0b95 \u0ba4\u0bc7\u0bb5\u0bc8\u0baf\u0bbf\u0bb2\u0bcd\u0bb2\u0bc8 \u0b8e\u0ba9\u0bcd\u0bb1\u0bbe\u0bb0\u0bcd<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">5&#xfe0f;&#x20e3; High Court \u0b8e\u0ba9\u0bcd\u0ba9 \u0b9a\u0bca\u0ba9\u0bcd\u0ba9\u0ba4\u0bc1?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; Tribunal \u0ba4\u0bc0\u0bb0\u0bcd\u0baa\u0bcd\u0baa\u0bc8 \u0bb0\u0ba4\u0bcd\u0ba4\u0bc1 \u0b9a\u0bc6\u0baf\u0bcd\u0ba4\u0ba4\u0bc1<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">High Court \u0b95\u0bbe\u0bb0\u0ba3\u0bae\u0bcd:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0bb5\u0bbf\u0baa\u0ba4\u0bcd\u0ba4\u0bc1 \u0b9a\u0bc6\u0baf\u0bcd\u0ba4 \u0baa\u0bc8\u0b95\u0bcd\u0b95\u0bbf\u0ba9\u0bcd \u0b89\u0bb0\u0bbf\u0bae\u0bc8\u0baf\u0bbe\u0bb3\u0bb0\u0bc8 \u0b8e\u0ba4\u0bbf\u0bb0\u0bcd\u0ba4\u0bcd\u0ba4\u0bc1<br>&#x1f449; \u0bb5\u0bb4\u0b95\u0bcd\u0b95\u0bc1 \u0baa\u0bcb\u0b9f\u0bb5\u0bc7 \u0b87\u0bb2\u0bcd\u0bb2\u0bc8<\/li>\n\n\n\n<li>\u0ba4\u0bb5\u0bb1\u0bc1 \u0b9a\u0bc6\u0baf\u0bcd\u0ba4 \u0bb5\u0bbe\u0b95\u0ba9\u0ba4\u0bcd\u0ba4\u0bc1\u0b95\u0bcd\u0b95\u0bc1 \u0b8e\u0ba4\u0bbf\u0bb0\u0bbe\u0b95 \u0bb5\u0bb4\u0b95\u0bcd\u0b95\u0bc1 \u0baa\u0bcb\u0b9f\u0bbe\u0bae\u0bb2\u0bcd<br>&#x1f449; \u0bb5\u0bc7\u0bb1\u0bc1 \u0bb5\u0bbe\u0b95\u0ba9\u0ba4\u0bcd\u0ba4\u0bbf\u0ba9\u0bcd \u0b87\u0ba9\u0bcd\u0b9a\u0bc2\u0bb0\u0ba9\u0bcd\u0bb8\u0bc8 \u0baa\u0bbf\u0b9f\u0bbf\u0b95\u0bcd\u0b95 \u0bae\u0bc1\u0b9f\u0bbf\u0baf\u0bbe\u0ba4\u0bc1<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">6&#xfe0f;&#x20e3; \u0b89\u0b9a\u0bcd\u0b9a\u0ba8\u0bc0\u0ba4\u0bbf\u0bae\u0ba9\u0bcd\u0bb1\u0ba4\u0bcd\u0ba4\u0bbf\u0bb2\u0bcd \u0b8e\u0bb4\u0bc1\u0ba8\u0bcd\u0ba4 \u0bae\u0bc1\u0b95\u0bcd\u0b95\u0bbf\u0baf \u0b95\u0bc7\u0bb3\u0bcd\u0bb5\u0bbf<\/h2>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u201c\u0baa\u0bc8\u0b95\u0bcd \u0b95\u0b9f\u0ba9\u0bcd \u0bb5\u0bbe\u0b99\u0bcd\u0b95\u0bbf \u0b93\u0b9f\u0bcd\u0b9f\u0bbf\u0baf\u0bb5\u0bb0\u0bcd \u0b87\u0bb1\u0ba8\u0bcd\u0ba4\u0bbe\u0bb2\u0bcd,<br>\u0b85\u0ba8\u0bcd\u0ba4 \u0baa\u0bc8\u0b95\u0bcd\u0b95\u0bbf\u0ba9\u0bcd \u0b87\u0ba9\u0bcd\u0b9a\u0bc2\u0bb0\u0ba9\u0bcd\u0bb8\u0bbf\u0bb2\u0bcd<br>Section 163A \u0b95\u0bc0\u0bb4\u0bcd \u0b87\u0bb4\u0baa\u0bcd\u0baa\u0bc0\u0b9f\u0bc1 \u0b95\u0bbf\u0b9f\u0bc8\u0b95\u0bcd\u0b95\u0bc1\u0bae\u0bbe?\u201d<\/strong><\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">7&#xfe0f;&#x20e3; \u0b89\u0b9a\u0bcd\u0b9a\u0ba8\u0bc0\u0ba4\u0bbf\u0bae\u0ba9\u0bcd\u0bb1\u0ba4\u0bcd\u0ba4\u0bbf\u0ba9\u0bcd \u0bae\u0bc1\u0b95\u0bcd\u0b95\u0bbf\u0baf \u0ba4\u0bc0\u0bb0\u0bcd\u0baa\u0bcd\u0baa\u0bc1 &#x2b50;<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">&#x1f534; \u0bae\u0bc1\u0b95\u0bcd\u0b95\u0bbf\u0baf \u0b9a\u0b9f\u0bcd\u0b9f\u0b95\u0bcd \u0b95\u0bcb\u0b9f\u0bcd\u0baa\u0bbe\u0b9f\u0bc1<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u0baa\u0bc8\u0b95\u0bcd \u0b95\u0b9f\u0ba9\u0bcd \u0bb5\u0bbe\u0b99\u0bcd\u0b95\u0bbf \u0b93\u0b9f\u0bcd\u0b9f\u0bc1\u0baa\u0bb5\u0bb0\u0bcd = \u0b85\u0ba8\u0bcd\u0ba4 \u0baa\u0bc8\u0b95\u0bcd\u0b95\u0bbf\u0ba9\u0bcd \u0b89\u0bb0\u0bbf\u0bae\u0bc8\u0baf\u0bbe\u0bb3\u0bb0\u0bcd \u0baa\u0bcb\u0bb2<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0b9a\u0b9f\u0bcd\u0b9f\u0ba4\u0bcd\u0ba4\u0bbf\u0bb2\u0bcd \u0b87\u0ba4\u0bc8:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u201cStepping into the shoes of the owner\u201d<\/strong><br>\u0b8e\u0ba9\u0bcd\u0bb1\u0bc1 \u0b9a\u0bca\u0bb2\u0bcd\u0b95\u0bbf\u0bb1\u0bbe\u0bb0\u0bcd\u0b95\u0bb3\u0bcd<\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">8&#xfe0f;&#x20e3; Section 163A \u0baf\u0bbe\u0bb0\u0bc1\u0b95\u0bcd\u0b95\u0bc1 \u0baa\u0bca\u0bb0\u0bc1\u0ba8\u0bcd\u0ba4\u0bc1\u0bae\u0bcd?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2714;&#xfe0f; <strong>Third Party<\/strong> (\u0bae\u0bc2\u0ba9\u0bcd\u0bb1\u0bbe\u0bae\u0bcd \u0ba8\u0baa\u0bb0\u0bcd)<br>&#x274c; <strong>\u0bb5\u0bbe\u0b95\u0ba9 \u0b89\u0bb0\u0bbf\u0bae\u0bc8\u0baf\u0bbe\u0bb3\u0bb0\u0bcd \/ \u0b89\u0bb0\u0bbf\u0bae\u0bc8\u0baf\u0bbe\u0bb3\u0bb0\u0bcd \u0baa\u0bcb\u0bb2 \u0b87\u0bb0\u0bc1\u0baa\u0bcd\u0baa\u0bb5\u0bb0\u0bcd<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u0b92\u0bb0\u0bc7 \u0ba8\u0baa\u0bb0\u0bcd:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Claimant (\u0bb5\u0bb4\u0b95\u0bcd\u0b95\u0bc1 \u0baa\u0bcb\u0b9f\u0bc1\u0baa\u0bb5\u0bb0\u0bcd)<\/strong><\/li>\n\n\n\n<li><strong>Recipient (\u0b87\u0bb4\u0baa\u0bcd\u0baa\u0bc0\u0b9f\u0bc1 \u0baa\u0bc6\u0bb1\u0bc1\u0baa\u0bb5\u0bb0\u0bcd)<\/strong><br>\u0b87\u0bb0\u0ba3\u0bcd\u0b9f\u0bbe\u0b95 \u0b87\u0bb0\u0bc1\u0b95\u0bcd\u0b95 \u0bae\u0bc1\u0b9f\u0bbf\u0baf\u0bbe\u0ba4\u0bc1<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">9&#xfe0f;&#x20e3; \u0b87\u0ba8\u0bcd\u0ba4 \u0bb5\u0bb4\u0b95\u0bcd\u0b95\u0bbf\u0bb2\u0bcd \u0b8e\u0ba9\u0bcd\u0ba9 \u0ba8\u0bbf\u0bb2\u0bc8?<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0b87\u0bb1\u0ba8\u0bcd\u0ba4\u0bb5\u0bb0\u0bcd:\n<ul class=\"wp-block-list\">\n<li>\u0baa\u0bc8\u0b95\u0bcd\u0b95\u0bbf\u0ba9\u0bcd \u0b89\u0bb0\u0bbf\u0bae\u0bc8\u0baf\u0bbe\u0bb3\u0bb0\u0bcd \u0b85\u0bb2\u0bcd\u0bb2<\/li>\n\n\n\n<li>\u0b86\u0ba9\u0bbe\u0bb2\u0bcd <strong>\u0b95\u0b9f\u0ba9\u0bcd \u0bb5\u0bbe\u0b99\u0bcd\u0b95\u0bbf \u0b93\u0b9f\u0bcd\u0b9f\u0bbf\u0baf\u0ba4\u0bbe\u0bb2\u0bcd<\/strong><br>&#x1f449; \u0b89\u0bb0\u0bbf\u0bae\u0bc8\u0baf\u0bbe\u0bb3\u0bb0\u0bcd \u0baa\u0bcb\u0bb2\u0b95\u0bcd \u0b95\u0bb0\u0bc1\u0ba4\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0b95\u0bbf\u0bb1\u0bbe\u0bb0\u0bcd<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>\u0b85\u0ba4\u0ba9\u0bbe\u0bb2\u0bcd:<br>&#x274c; \u0b85\u0bb5\u0bb0\u0bcd <strong>Third Party \u0b87\u0bb2\u0bcd\u0bb2\u0bc8<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u0b8e\u0ba9\u0bb5\u0bc7:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Section 163A \u0b95\u0bc0\u0bb4\u0bcd<\/li>\n\n\n\n<li>\u0b85\u0ba8\u0bcd\u0ba4 \u0baa\u0bc8\u0b95\u0bcd\u0b95\u0bbf\u0ba9\u0bcd \u0b87\u0ba9\u0bcd\u0b9a\u0bc2\u0bb0\u0ba9\u0bcd\u0bb8\u0bbf\u0bb2\u0bcd<\/li>\n\n\n\n<li>\u0bae\u0bc1\u0bb4\u0bc1 \u0b87\u0bb4\u0baa\u0bcd\u0baa\u0bc0\u0b9f\u0bc1 \u0b95\u0bc7\u0b9f\u0bcd\u0b95 \u0bae\u0bc1\u0b9f\u0bbf\u0baf\u0bbe\u0ba4\u0bc1<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">&#x1f51f; \u0b87\u0ba9\u0bcd\u0b9a\u0bc2\u0bb0\u0ba9\u0bcd\u0bb8\u0bcd \u0b95\u0bae\u0bcd\u0baa\u0bc6\u0ba9\u0bbf \u0b8e\u0bb5\u0bcd\u0bb5\u0bb3\u0bb5\u0bc1 \u0b95\u0bca\u0b9f\u0bc1\u0b95\u0bcd\u0b95 \u0bb5\u0bc7\u0ba3\u0bcd\u0b9f\u0bc1\u0bae\u0bcd?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">&#x2714;&#xfe0f; \u0b87\u0ba9\u0bcd\u0b9a\u0bc2\u0bb0\u0ba9\u0bcd\u0bb8\u0bcd \u0baa\u0bbe\u0bb2\u0bbf\u0b9a\u0bbf \u0bb5\u0bbf\u0ba4\u0bbf\u0bae\u0bc1\u0bb1\u0bc8\u0baa\u0bcd\u0baa\u0b9f\u0bbf:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Owner-driver personal accident cover<\/strong><br>&#x1f449; \u0b85\u0ba4\u0bbf\u0b95\u0baa\u0b9f\u0bcd\u0b9a\u0bae\u0bcd <strong>\u20b91,00,000<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u0b85\u0ba4\u0ba9\u0bbe\u0bb2\u0bcd:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0b95\u0bc1\u0b9f\u0bc1\u0bae\u0bcd\u0baa\u0ba4\u0bcd\u0ba4\u0bbf\u0ba9\u0bb0\u0bc1\u0b95\u0bcd\u0b95\u0bc1<br>&#x2714;&#xfe0f; <strong>\u20b91 \u0bb2\u0b9f\u0bcd\u0b9a\u0bae\u0bcd + \u0bb5\u0b9f\u0bcd\u0b9f\u0bbf<\/strong><br>\u0bae\u0b9f\u0bcd\u0b9f\u0bc1\u0bae\u0bc7 \u0b95\u0bbf\u0b9f\u0bc8\u0b95\u0bcd\u0b95\u0bc1\u0bae\u0bcd<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">1&#xfe0f;&#x20e3;1&#xfe0f;&#x20e3; \u20b95 \u0bb2\u0b9f\u0bcd\u0b9a\u0bae\u0bcd \u0b95\u0bc7\u0bb3\u0bcd\u0bb5\u0bbf \u0b8f\u0ba9\u0bcd \u0bae\u0bb1\u0bc1\u0b95\u0bcd\u0b95\u0baa\u0bcd\u0baa\u0b9f\u0bcd\u0b9f\u0ba4\u0bc1?<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u20b95 \u0bb2\u0b9f\u0bcd\u0b9a\u0bae\u0bcd \u0ba8\u0bbf\u0bb0\u0bcd\u0ba3\u0baf\u0bae\u0bcd:<br>&#x1f449; 2018-\u0bb2\u0bcd \u0b9a\u0b9f\u0bcd\u0b9f \u0ba4\u0bbf\u0bb0\u0bc1\u0ba4\u0bcd\u0ba4\u0bae\u0bcd<\/li>\n\n\n\n<li>\u0b86\u0ba9\u0bbe\u0bb2\u0bcd:\n<ul class=\"wp-block-list\">\n<li>\u0bb5\u0bbf\u0baa\u0ba4\u0bcd\u0ba4\u0bc1 \u0ba8\u0b9f\u0ba8\u0bcd\u0ba4\u0ba4\u0bc1 \u2192 <strong>2006<\/strong><\/li>\n\n\n\n<li>\u0bb5\u0bb4\u0b95\u0bcd\u0b95\u0bc1 \u0ba4\u0bc0\u0bb0\u0bcd\u0baa\u0bcd\u0baa\u0bc1 \u2192 <strong>2018\u0b95\u0bcd\u0b95\u0bc1 \u0bae\u0bc1\u0ba9\u0bcd<\/strong><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u0b9a\u0b9f\u0bcd\u0b9f \u0ba4\u0bbf\u0bb0\u0bc1\u0ba4\u0bcd\u0ba4\u0bae\u0bcd <strong>\u0baa\u0bbf\u0ba9\u0bcd\u0ba9\u0bcb\u0b95\u0bcd\u0b95\u0bbf (retrospective)<\/strong> \u0baa\u0bca\u0bb0\u0bc1\u0ba8\u0bcd\u0ba4\u0bbe\u0ba4\u0bc1<br>&#x274c; \u20b95 \u0bb2\u0b9f\u0bcd\u0b9a\u0bae\u0bcd \u0b95\u0bbf\u0b9f\u0bc8\u0baf\u0bbe\u0ba4\u0bc1<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">1&#xfe0f;&#x20e3;2&#xfe0f;&#x20e3; \u0b87\u0bb1\u0bc1\u0ba4\u0bbf \u0ba4\u0bc0\u0bb0\u0bcd\u0baa\u0bcd\u0baa\u0bc1 (Final Order)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2714;&#xfe0f; High Court \u0ba4\u0bc0\u0bb0\u0bcd\u0baa\u0bcd\u0baa\u0bc1 \u0b9a\u0bb0\u0bbf<br>&#x2714;&#xfe0f; Tribunal \u0ba4\u0bc0\u0bb0\u0bcd\u0baa\u0bcd\u0baa\u0bc1 \u0ba4\u0bb5\u0bb1\u0bc1<br>&#x2714;&#xfe0f; \u0b95\u0bc1\u0b9f\u0bc1\u0bae\u0bcd\u0baa\u0ba4\u0bcd\u0ba4\u0bbf\u0ba9\u0bb0\u0bc1\u0b95\u0bcd\u0b95\u0bc1:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u20b91,00,000 + 7.5% \u0bb5\u0b9f\u0bcd\u0b9f\u0bbf<\/strong><\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">&#x1f51a; \u0b87\u0ba8\u0bcd\u0ba4 \u0ba4\u0bc0\u0bb0\u0bcd\u0baa\u0bcd\u0baa\u0bbf\u0ba9\u0bcd \u0b8e\u0bb3\u0bbf\u0baf \u0b9a\u0bc1\u0bb0\u0bc1\u0b95\u0bcd\u0b95\u0bae\u0bcd<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f539; \u0baa\u0bc8\u0b95\u0bcd \/ \u0b95\u0bbe\u0bb0\u0bcd <strong>\u0b95\u0b9f\u0ba9\u0bcd \u0bb5\u0bbe\u0b99\u0bcd\u0b95\u0bbf \u0b93\u0b9f\u0bcd\u0b9f\u0bc1\u0baa\u0bb5\u0bb0\u0bcd<\/strong><br>&#x1f449; \u0b9a\u0b9f\u0bcd\u0b9f\u0baa\u0bcd\u0baa\u0b9f\u0bbf <strong>\u0b89\u0bb0\u0bbf\u0bae\u0bc8\u0baf\u0bbe\u0bb3\u0bb0\u0bcd \u0baa\u0bcb\u0bb2<\/strong> \u0b95\u0bb0\u0bc1\u0ba4\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0bb5\u0bbe\u0bb0\u0bcd<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f539; Section 163A:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Third party-\u0b95\u0bcd\u0b95\u0bc1 \u0bae\u0b9f\u0bcd\u0b9f\u0bc1\u0bae\u0bc7<\/strong><\/li>\n\n\n\n<li>\u0b89\u0bb0\u0bbf\u0bae\u0bc8\u0baf\u0bbe\u0bb3\u0bb0\u0bcd \/ borrower-\u0b95\u0bcd\u0b95\u0bc1 \u0b87\u0bb2\u0bcd\u0bb2\u0bc8<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f539; \u0ba4\u0bb5\u0bb1\u0bc1 \u0b9a\u0bc6\u0baf\u0bcd\u0ba4 \u0bb5\u0bbe\u0b95\u0ba9\u0ba4\u0bcd\u0ba4\u0bc8 \u0b8e\u0ba4\u0bbf\u0bb0\u0bcd\u0ba4\u0bcd\u0ba4\u0bc1<br>&#x1f449; \u0b9a\u0bb0\u0bbf\u0baf\u0bbe\u0b95 \u0bb5\u0bb4\u0b95\u0bcd\u0b95\u0bc1 \u0baa\u0bcb\u0b9f \u0bb5\u0bc7\u0ba3\u0bcd\u0b9f\u0bc1\u0bae\u0bcd<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">&#x1f4cc; \u0baa\u0bca\u0ba4\u0bc1\u0bae\u0b95\u0bcd\u0b95\u0bb3\u0bc1\u0b95\u0bcd\u0b95\u0bc1 \u0bae\u0bc1\u0b95\u0bcd\u0b95\u0bbf\u0baf \u0baa\u0bbe\u0b9f\u0bae\u0bcd<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2714;&#xfe0f; \u0bb5\u0bbf\u0baa\u0ba4\u0bcd\u0ba4\u0bc1 \u0bb5\u0bb4\u0b95\u0bcd\u0b95\u0bbf\u0bb2\u0bcd<br>&#x1f449; <strong>\u0baf\u0bbe\u0bb0\u0bc8 \u0b8e\u0ba4\u0bbf\u0bb0\u0bcd\u0ba4\u0bcd\u0ba4\u0bc1 \u0bb5\u0bb4\u0b95\u0bcd\u0b95\u0bc1 \u0baa\u0bcb\u0b9f\u0bc1\u0b95\u0bbf\u0bb1\u0bcb\u0bae\u0bcd \u0b8e\u0ba9\u0bcd\u0baa\u0ba4\u0bc1 \u0bae\u0bc1\u0b95\u0bcd\u0b95\u0bbf\u0baf\u0bae\u0bcd<\/strong><br>&#x2714;&#xfe0f; \u0ba4\u0bb5\u0bb1\u0bbe\u0ba9 \u0bb5\u0bbe\u0b95\u0ba9\u0ba4\u0bcd\u0ba4\u0bc8 \u0bb5\u0bbf\u0b9f\u0bcd\u0b9f\u0bc1\u0bb5\u0bbf\u0b9f\u0bcd\u0b9f\u0bc1<br>&#x1f449; \u0bb5\u0bc7\u0bb1\u0bc1 \u0b87\u0ba9\u0bcd\u0b9a\u0bc2\u0bb0\u0ba9\u0bcd\u0bb8\u0bc8 \u0baa\u0bbf\u0b9f\u0bbf\u0b95\u0bcd\u0b95 \u0bae\u0bc1\u0b9f\u0bbf\u0baf\u0bbe\u0ba4\u0bc1<br>&#x2714;&#xfe0f; Section 163A \u0b8e\u0bb2\u0bcd\u0bb2\u0bcb\u0bb0\u0bc1\u0b95\u0bcd\u0b95\u0bc1\u0bae\u0bcd \u0baa\u0bca\u0bb0\u0bc1\u0ba8\u0bcd\u0ba4\u0bbe\u0ba4\u0bc1<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ramkhiladi vs The United India Insurance Company on 7January, 2020 Ramkhiladi vs The United India Insurance Company on 7January, 2020 &#x2696;&#xfe0f; \u0b89\u0b9a\u0bcd\u0b9a\u0ba8\u0bc0\u0ba4\u0bbf\u0bae\u0ba9\u0bcd\u0bb1 \u0ba4\u0bc0\u0bb0\u0bcd\u0baa\u0bcd\u0baa\u0bc1 \u2013 \u0b8e\u0bb3\u0bbf\u0baf \u0ba4\u0bae\u0bbf\u0bb4\u0bcd \u0bb5\u0bbf\u0bb3\u0b95\u0bcd\u0b95\u0bae\u0bcd (Motor Accident Compensation \u2013 Section 163A) 1&#xfe0f;&#x20e3; \u0b87\u0ba8\u0bcd\u0ba4 \u0bb5\u0bb4\u0b95\u0bcd\u0b95\u0bc1 \u0b8e\u0ba4\u0bc8\u0baa\u0bcd \u0baa\u0bb1\u0bcd\u0bb1\u0bbf? &#x1f449; \u0b85\u0bb5\u0bb0\u0ba4\u0bc1 \u0b95\u0bc1\u0b9f\u0bc1\u0bae\u0bcd\u0baa\u0ba4\u0bcd\u0ba4\u0bbf\u0ba9\u0bb0\u0bcd \u0b87\u0bb4\u0baa\u0bcd\u0baa\u0bc0\u0b9f\u0bc1 (Compensation) \u0b95\u0bc7\u0b9f\u0bcd\u0b9f\u0bc1 \u0bb5\u0bb4\u0b95\u0bcd\u0b95\u0bc1 \u0baa\u0bcb\u0b9f\u0bcd\u0b9f\u0bbe\u0bb0\u0bcd\u0b95\u0bb3\u0bcd 2&#xfe0f;&#x20e3; 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