High Court Karnataka High Court

Sri Anand Gowda S/O Muniswamappa vs The New India Assurance Co Ltd on 31 March, 2009

Karnataka High Court
Sri Anand Gowda S/O Muniswamappa vs The New India Assurance Co Ltd on 31 March, 2009
Author: H.Billappa

2%; %-%§§:?*€ Séiéfi”? Q? %{\z§z?{§”‘~§§*a?’£2%:éx§ §§?=~§G:’3’%§..§QE

§§§%”§§3 “?%-%é$ “‘§”%~%§ 3?’ 3%? 53? ;?%.e€fikRC?r”<i 2§§§

§§;?'{:%f§.E

mg §%€:%=.§'%:§%§%§,$ié$?§$E %é,§§:;,;2§@%gk'M{%%k% T T

¥§~"5;§L§%é$.'§'§£.§8~Q§24§i'£3;'3?

§ §”%’%”‘>§EE §’€;

85% §:”2a:f:é £’§§%-«gag;

$59 §’§E:;:”;%swa:?3:a§§a;=
figgeé aemasé 28 yeafa,
E33 Eéggahaék
Kafiéamg S?-45%,’ ._
fiazsfiaaifiafifféw'”i’7rgw;’1j___-.1 ‘V _ _ [2 ,

Sagzgakgs A??E§.:.,£’e.§\£”?

£33: 8:; §»z::;a:.-é %{fg§%%a.;s:%%’§3’%{.§’§§”:§:§ .&é:;$.}

V °3:§§%”¥,_:?9=§a’§’é’e’.§§’%{§§§ égmérafasa ifia, Lia,

§:,s;*;a::» e:§ miagiag,

* % §%§$§%!$é:*:’i.§%f§a§g

§av;fi§g:§:::’?’:*’$-2′?§
8;: $253: §%£a:7a§%§,

5.’ ‘”§s§:: %<…§.§§§':?%$fi§a

' Rfa Fiat €'a§e.,€§§ 8L;§§é§:':g §
Lédays Séngfi figgag,
ééew ?aia¢e Raaé, §<e§*:g§u:g
CV8 Eééfig' %~§$%%':a§:;: §%$%:'§$%,
?££H§§A$T§§w4§§§$2. =.,,§E;§?Q?"«~§§§§§'-§'?§

L/.

{Sfi %§&;?ags§a§§§*:§ T {:35 £3′;

iéaéaiésa 23 E2 a?%$§$:”2$e§ aaééiéég

mg §%;%§é £3 géeaé z:§S=’§?3{v”:”éAA’%§%’*«€:!%’af..fies?
»* . . 3 .

gaségmemi am awasei fiaéea? 2:_=?T~;??.§§?§. ‘..§fT§.?:$$’=:.’=:§._§_
§§§Ei€~¢§%ée.%§4?f%éé 3:: ?§”‘§% fiisszéef *3,-é3’._§:§V:§§., §u::.f_§e4~,.i:«’%%:;:§;:ag-g’~.
?%:Efi:i3″E’fl Qgagfi 9? Smafé {‘;v:§a;’;2§es; E:.a;::§a§g;rr5: ‘{.:f3’T}§3%~%_§§{3}g _ v

ggagiigg §§§§’€§§%”§§ iéée §§§%?”§’§ $8-%§§§’§%§ figs” ‘:*;e5s*:%.;§%::’é$’:%§;§a’%’s aésfi
gagkéiég agéhamsemefii of aem§3e’§:r:: a%%g;n, ” E

“%'”:*’:%$ éégé aaz%f;%5f;ag;–§’@;*–‘_a$§:*:2v§é:;§g’3;i;”‘%éf:%$ $g%g: §§”‘%§ Qgzm;
fieiékfarefi EEEE §$§%@%#g’§ngi~ * *
5’3;

‘en;

Q .’

E

323′

‘is:-;§§§§5i&%A;i :;¥’§§-a$:$1£:”v’Vag;%§%s’:s: 2% ééségfiééfii agizzi
a’a:»sa§f:§_§:>§§§ 5%§-5§’~«’2§::€Z%§;gggaga as 2% me?’ %a?2§a§a:*e,
W5;

ggy ‘€%’€éé§§”;-;?.?»%,§§§%€§ gazfigzyéegzi am aaasaga ‘:33 “§:”§§:.sna§

‘ ‘éféaa§v:§§’:%é:?z§:$s;%%:zgsfigaéém sf £33′? ,£§§,€3%$§- %f§§’i§”‘: §ifi§$i’§:§% at

$;§é~s §§§’;*:%f:%:5s:%’: §§:’2§’§ iézfi fiaia S? §3%%§i%§s%;§ iééé §”‘§@ géaéa §?

iéégggééiég

3, éggswgeé by $233 2% ggseiiarsi fiaa ffiefi %?’:%S

fififififii aaekifig %%”?:?’:&?’é$§§’§”é$§’¥’§.

V

5% bzééi %§”:$ ?a$%$ 3% %:?:§ §”*”;;.§§@§§§§’%§ $i,§$’E’€3_§fi§§

§§”:§%,,§§’%§$ $53 232% acséfiesgé $$£i.§%’?$§ an 3»?2»»§3 3%: a§;{.s:%%

52%: ‘iisrsiza “%”‘%:§§%%2§, as”: ascazgni af ééaa §§3?E £§§’__’;fi ;:A§:%§f§%§%e;*%.§’T

figézzigrzg $2′ éféee %@r;”§; fiearéng :”eg%s§§a::’§§’:2’*?s%s3A,;*£§f§§%

gs §5%%2: ?;%e a§§a§§§:’:€: a§a§:§?f:§:§~_ A’r3@§”%%§.:é§’::?;§§§$é:: ‘4%?’~.

§s.3§:?5;3§a;:. “gage “§”f%i§:::%;a§v..:: ‘%’:.§$ §as;:.§§*:§$;§’, g?’ k

§$.§§%;’*’é,§fi§.é¥, %’*;’§f€§”§ %§”§?:§3§j’§$% 2;§:”%”§~§’p§;§*._§:2r:2.:é2**:;”-A Vzféggzéasréfi

§y fiégi, ‘iééfi §§§;%%§3é§ $§€§{§%”§§

gr:%§a§*:=:a:;’2%r;;§_. .

” _ ‘°E’%é5§~:’V””L4%;é$:;}éI§:”§ ‘_.§:$<:§ag&% fsg ééze agmiéggzi:

@:::=:°:%$§2§%§~.. %%a%.:V '€::*'2e?~«._ 3i'g.:*.»'§e§%a§';: mg $%.§§f%;?$§ assrsagaasfsé

'(WW4

:22? :'§§%€:'é;–§–%ééas 852$ ififiaséa am $2 $233 ffigiaséizaé in

' .-§s?§;"%§«§é_é%:€?:"%':;§:és$§%ééégs 2% '§§% Er: zeggaai Q? 332% wéaéa ébaégz

:5;ré§ égéggiiééi. § i:?:§ '§"s"§§s;s*:§§ figs awagéeé 933%? 3 3:33;? 3%'

§$.'*:~~§§,£':%3Gs"~» imzgaféa éagg 3%' afifiéfiéfiéfi 5? Séfé, 's:%'?%§$%§ $5 éeeéaiéy

,§%v3§é:Z§%Qi.,§3§€ gas %%2§?$€$:'eI 5% mafia Ea fig §"§2§§%€'%eé, fir-%$ gisa.

;§:.;§:e*:§%:§$§ iiééaé '%§'§% émsiaaig aw sééié Erggéfie am 32$ aggeééazzi

:"$§a2%s°'% 3% mesa $§%?&§§§": fag' §'§?"§"%:§?§§§ gf %s?3§s§a§*"z€s am as

V"

agmpéfisaféfim $3 §2§=;§s”§$§ éy Eéés “§’;°:f§a§::§§ E$%§§&§’§$V-“§:§§i§§’€

masésaé §}::§%§’§$§§ 2%:°%:%€;?z {mafia {is 32% gzrasayéeé.

3 £3 agaészssé 233:3 33% §$$§§”‘E§fi €Si§fE3P¥.?.§.V§?'{‘;§A_5Z’Z:”§;€

;?’%$§§3E”‘§§%§”%§ $i£§f3§”‘§”E§’§£’?;T%§ ééégét, fig “‘?s”§§a;’§_:§§I’ –:r§;%§–.V.;::%:”i$fl§%=%*’«

aeagéfieysiéax 3? °§’§§ mgisgégé _S?”§ %*£::::§=:=:r§, %2a.g..’:2§%§s$E§z:§;;§*.

am iaagsgéaééa $a§::*;;fi&:2$$%é%:%”L’:2:V§?”%§; i%%<e;:*e}'%'$:£%';[§e%-Zéaiés 529% sgéé

1%? $3'?-':%:"§e§*&r:$%. éwie aé$:;2.'%.~3;2%;é%é%%:§%§§ :§_?%:aE%'?%:§¥.£§§'%%?%£$ gggeééani

mg fiééiéiéfi ggamgagaé ':§%,s;a:§jé'%§%§z c%:?…V'*%':*E§%§; _éé–*-§ '§"$$§2§$% 3? Ehg

as:s%:%§§ ?s§§f}2:_" gig; %m;*%é%n§V ;§'§::i%V%::€%":%:*:§ am éfiggafaiefi

E

$33 i%§?a§:§:,%%§'é$:§V 35% §a«:sg§*§ £$%$ may 523%; 2%:

§§:%%::§§'%::{$a_ '

* :5 V _%é%%;%% égagafasiéy §@§:§§$f§=;§*-ea éézg aamrgésgéaag

«_;?1*%'a%sé§"}%f;;' iéz-:3 §%§%'§2;'–:$ $§iE§"%$i:;'*§$ fir éézg Qafiéfia

' §§§i€"%§ iééai $333 fa?" 52%;: ::;:§§°':$%§?e§*"3%%m is?

zé§*%?z%%%:é§' f:%'§-'*9 aanégezzaaiéssa 3%-%s'§;?"§%§ :5}! Eifig "§"{%§:§':a§ $3 $5,332

.. §;%§*§§ai+:*"§

3 $3 ég §e§e;;§:%;%; 3% rsaiai iééa "§"§'%§:,:§":a§ hag §:e§a:da5~§

a sum 3;? §$,E%,§§fi:'–~ §$'=f§§.?{Z?S gag S? a:%:§%§%;%%;%e§ gf ééiéé, "§"%*2a

1/

$§§€§§§§'§i hag §2::'%'es%é S$?§"%§Q%§?'%§ ??§£ii§?'$ Q? ééhéa 3{?§§ '§%%5i;:§§

322% E'? has :'&3%.,s%€,a§ égé §e:r§:&§'2§§2§ §%$a§§§%%'§ $2' fi;_§:';:*7';%'a £5'; ~

5;? '%';§"?% réghi §$¥*§%%" iims éfié ":5?é§§f:» :'e§§:3f:::*£' '¢§§%{§§§$4

fsagéy, 'Tfie a§;§$§§s::% $%§'§§§§§ isssézééé s:§T§$ %§;2§¢a"'V§*;a3_§:§'ga;}:'

$§'a.%§?: gm? 3353292 giimé §%§.%»:$-¥.___ '?%:é" .:%;_§¥§§.:-§§§§:?*i£:"§s_A;%4_v§§$§:%':':$§*:

agéfi mg 2% aagéé 5' §%3::ss*::%%:"i: s::%'§:%.$%'%§'s¢ *'§f%'2e:*ef§2"e§
3?? my :'3$§'¥$§§§§'§§ :v%é2%;~<:;..'_':%2§«'é%§%:;:¥$:§éa%§§§'% fifiééfééé 5g? 2%
"?";*%§:::':a% %;@2%:a?:.%$ Efifié .;€;.':a§" ééifé $3 éafizaiéy

égzafigcgzgaéa aégzfi' %_§§§:aéf§:é%%ef; ?"§ §f$ti§§%. %;r;;%- h§";é";$§%?';e§. ?'§§%'§?"§§

" fiéasfiééééy am $%$$a§:r"2?e:*§ 2%

3§§é;:*§%a?:%"%:a§ fiat Egg iéfe, if: my sgsagééezed

igiav-$2 ax' $;'._§§._él§:i:§%:'2S!~ ésgaagéd §§ 3 ggagsaafiie aim:

%':'24?;s%.s§s';_§§ Egg'":;°;«%..__§;§"§':e:°%§E%$$ sf fife am asgsrééagigi E? fig

' ;"a:s;;§:2sE;§E&:§;«..%V "'v

*;_°?.%*:$¥ ?§'§%:§_'§%§§ €333 32$: $2&s$:'$&§ 35:3; §»§?"§§§§§E$§'i§§$?'%

%§%%:;;a%é%{§ fééééiffi mgéiagé §x§&:%$%§L "'§"%*2§ a§§s§%a::% ;?'%f§%£§?%%

'Tc*§2;e gmga §§$;"$%§§:s': fa? femsasai :3?' éfigiafiis, %"%§§:'$?§:§§ E? 3%

§%"é;§%€ 2% §*s'%'§§"§ a mg: g? §§fi§g§§§§« %g%;%!a2"§§ fagéasze

§?§$§$§§ ;%§{$§§°'§§$?3 gm §$£$§"§§:':§§;!, §% :3 aisgayéaég

L//T

éi. 'E'"%3$ $§¥'§'3$%?§$§%§{§%'% aisasaséaé by

iswagzéa yam aséfi S§.£f'f8§'§§3§§, §"=:aa§%¢;a;§ "'~..e3e:?§:§e:'%$é$;–

serweyanae 3; ?"§0é.§?§$§%¥?'§§ faafi agféé %sg}$§'$;§§__i§é::';a2§:ée.VV;i§:'s'%%j§§ :'

$28 gerésé ef égeaimmé ég gfasaé gm ';:s:f§§;z.s:s* a§::§–".'.ié*f§:*§3fcs%'*$=;"

fieeg $3? {:&§§ fa? éfiififffiiéfifié, .

€29 “fie 45$? ;§V?a!~g3g§§e §€2%’?E§$ Ea

ass: ,4§§ss§;.g f::g?’:s§__*a?’z@ $§?é*éT’a’§»e::{:a:§é3.}3$ e:s:§;:::;&:a;~

ga; ‘}’€;%3s3a?-;§9§ §a;:%ga}:;n%§s;% ;@ma§§{3;:

§:§:§ “§7;$a»%;a;’§é %;Vs;:&§b észi ;§5£~§§ae:.a$ §%sf:§3%€:§£-

{$3 ?§%:<ga:§s%§@:%=:§4§';§'§:::é"*;§ émgésésézéag
Vfsgé V' §s,§,%{3@;'-

{$32! ‘:’%'”;r;:;:%.:&:::§$ éaaé é%”‘§’:’*a’§c$:3’2$

‘A ‘ n , _V §3;;;;Vr::*§g§–%§ée,§ar§o§ sf tseaimeni R3 §,§§§;é

. 3% ameniisga gr fife ggéssgas»

if’; ‘E’@:§?é:*a*i¥§ fuizssé gééeéisaé §£§$:”‘:$&$ §3§ §,§%;«-

munuagmmmmnnnmm

“%”””§”§”§§§., RS’? §é«§§§§,?’~

u/

E3, ,§3$$%§’*§§?§§§¥, Em agaggé is aiégzéggfi

§§%€§%§gfi%fi §i..§fi§§?§€§”‘3 aarzé aasgaré §$$$%§ $3 3%

$3 %;:2§m§fi;?;€§s§ gigfifis smaéééaaz §?§;é%%%’:§…{:§§”;:§’a-sééisgiégség'”

6% $32 ,a»:;5§§§§;w, mega a? 9m §%a§,ssg;”;%~;§;;::: §–s'”_§§é.%t’=a”~,>.g”: ‘ 5

§% $5 3:253:32′: firm: ééée éaéa ref §$§%§é’:3:”2 §§%%v %.%f:.«§ _$§3*s:é; ééé

gagiéaaééam. Thé fkgi §’a$§s;*§dé§:é%_’$%*;_§%§ é§;x$;§%%;’:é%2é:§§:z:§u::é
%%’§§:’?§§”§ eigézé wafiks €m:”z%;4_’§:::§§*g} ?§é’ e;:V€§%§:«.eR%za%:s§§ amauzfi
$?2s§ fis §”8§§§§§§ £5: §§%:§_§.;;f’ ai iééé $§§r;1’eE§’§a::%§:;vv..

$529; agafifi §*.fi;é.:§; 5a.:.,§s§%fiiV;ég%§%; —

Sd/-s
Judge