Compilation of Cases- Insurance Law

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Gfobjfob Gfobjfob Bfvhrolh Bfvhrolhot ot Quppnmhs Quppnmhs Ihp`rtlho Ihp`rtlhott 'Gfobjfob'Gfobjfob- afotràthi afotràthi phtmtmfohr L`yhr Qthhn [mph Afrp/ 'L`yhr- tf lòudàturh òi suppny v`rmfus sthhn pmphs òi dmttmob drfl @ubust tf Fatfchr 0=71 wgmag ms tf ch sg sgmp mpph phi i tf Gfob Gfobjf jfob ob// Ygh Ygh p`rt p`rtmh mhs s efmo efmotn tny y `ppf `ppfmo moth thi i Moiu Moiust strm rm`n `n Mosphatmfo Mothro`tmfo`n `s ` tgmri,p`rty mosphatfr tf hx`lmoh wghtghr tgh tgh pmph pmphs s òi òi dmtt dmttmo mobs bs `rh `rh lòu lòud` dàt atur urhi hi mo àaf àafri riòa òah h wmtg wmtg tgh tgh sphamdma`tmfos mo tgh afotràt/ [rmfr tf tgh sgmplhot. L`yhr mosurhi tgh pmphs òi tgh dmttmob @B@MOQY @NN SMQJQ wmtg prmv`th rhspfoihot Qfutg Qh` Qurhty òi Mosuròah Af/ 'Qfutg Qh`- òi Ag`rthr Mosuròah Afrp/ 'Ag`rthr-/ Chdfrh tgh sgmplhot. Mothro`tmfo`n hx`lmohi tgh sthhn pmphs òi tgh dmttmo dmttmob b òi ahrtmd ahrtmdmhi mhi tg`t `nn `rh mo BFFI BFFI FSIHS FSIHS chdfrh chdfrh tghy tghy whrh whrh nfìhi nfìhi tf tgh vhssh vhsshn/ n/ Ofohtg Ofohtghnh hnhss. ss. wgho wgho tgh bffis bffis wgho wgho rhàg rhàghi hi Gfobjf Gfobjfob. ob. mt w`s ims imsafv afvhrh hrhi i tg`t tg`t ` sucstò sucstòtm` tm`nn pfrtmf pfrtmfo o tghrh tghrhfd fd w`s i`l`bhi/ L`yhr dmnhi ` an`ml `b`most Qfutg Qh` òi Ag`rthr dfr moihlomty uoihr tgh tgh mosu mosur` ròa oah h afot afotr` ràt at// Ag`r Ag`rth thrr p`mi p`mi Gfob Gfobjf jfob ob tgh tgh `lfu `lfuot ot fd GJ)49.=;9/28/ Cut Qfutg Qh` rhdushi p`ylhot fo tgh brfuoi tg`t tgh mosuròah survhyfr”s rhpfrt `nnhbhiny sgfwhi tg`t tgh i`l`bh ms ` dàtfry ihdhat/ Yrm`n Afurt ‑ ihamihi mo d`vfur fd phtmtmfohr òi dfuoi tg`t tgh i`l`bh tf tgh bffis ms oft iuh tf lòudàturmob ihdhats/ Yg`t tgh mosuròah afotràt mo afotrfvhrsy afotrfvhrsy ms `t @NN SMQJQ pfnmamhs pfnmamhs wgmag mosurh `b`most `b`most `nn aùshs fd afoahmv`cnh nfss fr i`l`bh/ A@ ‑ sht `smih tgh trm`n afurt”s dmoimobs òi imslmsshi tgh aflpn`mot fo tgh brfuoi fd prhsarmptmfo: mt movfjhi Qhatmfo 1'4- fd tgh A`rrm`bh fd Bffis cy tgh Qh` @at 'AFBQ@'AFBQ@- smoah mt dmnhi dmnhi fo @prmn 02. 0=74 0=74 fr lfrh tgò tgò twf twf yh`r yh`rs s drfl drfl tgh tgh tmlh tmlh tgh tgh bffi bffis s whrh whrh uonf uonfì ìhi hi drfl drfl tgh tgh vhsshn/

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MQQXH5 RFO tgh phtmtmfohr”s aùsh fd àtmfo g`s `nrhìy chho c`rrhi cy prhsarmptmfo:RFO prhsarmptmfo:RFO tgh AFBQ@ ms tgh `ppnma`cnh n`w/ QA”s Sunmob5 Ygh Afurt òswhrhi mo tgh ohb`tmvh/ ohb`tmvh/ •

@aafrimob tf tgh Afurt. tgh A@ hrrhi mo `ppnymob tgh AFBQ@ n`w mo tgms a`sh/ Qha Qhatmfo tmfo 1'4'4- fd tgh tgh AFBQ@ FBQ@ ‑ tgh tgh a`rr `rrmhr mhr òi òi tgh tgh sgmp gmp sg sg`n `nnn ch imsag`rbhi drfl `nn nm`cmnmty mo rhsphat fd nfss fr i`l`bh uonhss tgh sumt ms crfubgt wmtgmo foh yh`r `dthr tgh ihnmvhry d tgh bffis sgfuni g`vh chho imsafvhrhi/

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Mo tgh `cfvhamthi prfvmsmfo. mt ms anh`r tg`t fony tgh a`rrmhr”s nm`cmnmty ms hxtmobumsghi md of sumt ms crfubgt wmtgmo foh yh`r/ Cut tgh nm`cmnmty fd tgh mosurhr ms oft hxtmobumsghi chaùsh tgh mosurhr”s nm`cmnmty ms oft c`shi fo tgh afotràt fd a`rrm`bh cut fo tgh afotràt fd mosuròah/ AFBQ@ bfvhros tgh rhn`tmfosgmp fd tgh sgmpphr òi tgh a`rrmhr/ Mt ifhs oft `ddhat tgh rhn`tmfosgmp chtwhho tgh sgmpphr òi ` oi tgh mosurhr/ Ygh Dmnmpmof Lhragòt”s A`sh ms oft `ppnma`cnh mo tgms a`sh/ Mo tgh Dmnmpmof Lhragòts A`sh. mt w`s tgh mosurhr wgf dmnhi ` an`ml `b`most tgh a`rrmhr dfr rhmlcurshlhot fd tgh `lfuot mt p`mi tf tgh sgmpphr/ Mo tgms a`sh. mt ms tgh sgmpphr wgmag dmnhi ` a`sh `b`most tgh mosurhr/ Mt c`shi fo tgh @NN SMQJQ mosuròah pfnmamhs mssuhi cy Qfutg Qh`/

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[GMNM[[MO [GMNM[[MOH H GH@NYG GH@NYG A@SH [SFTMIHSQ [SFTMIHSQ MOA/ vs/ AFLLMQQMF AFLLMQQMFOHS OHS FD MOYHSO@N SHTHOXH. BS/ Of/ 04211; .QH[Y/ 07. 3;;= Dàts •

[htmtmfohr5 [gmngh`ntg. ` iflhstma afrpfr`tmfo wgfsh l`mo purpfsh ms tf hst`cnmsg. l`mot`mo. afoiuat òi fphr`th ` prhp`mi brfup pràtmah















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Lhlchrs p`mi tghmr òou`n lhlchrsgmp dhh òi `rh hotmtnhi tf v`rmfus prhvhotmvh. im`bofstma òi aur`tmvh lhima`n shrvmahs prfvmihi cy mts iuny nmahoshi pgysmamòs. spham`nmsts òi ftghr prfdhssmfo`n thagoma`n st`dd p`rtmamp`tmob mo tgh brfup pràtmah gh`ntg ihnmvhry systhl `t ` gfspmt`n fr anmoma fwohi. fphr`thi fr àarhimthi cy mt/ [gmngh`ntg w`s `sshsshi tf p`y IFAXLHOY@S] QY@L[ Y@W 'IQY- cy tgh rhspfoihot phrt`momob tf mts gh`ntg a`rh `brhhlhot pursuòt tf Qhatmfo 078 fd tgh 0==2 Y`x Afih/ [gmngh`ntg afothsthi an`mlmob tg`t tghy `rh oft ò mosuròah aflpòy òi tg`t tghy `rh lhrhny ` gh`ntg l`mothoòah frbòmz`tmfo/ Yghy `nsf an`mlhi tg`t tghy `v`mnhi t`x `lohsty pursuòt tf S@ =79; fr tgh Y`x @lohsty @at fd 3;;2/

Mssuh5 RFO [gmngh`ntg ms hob`bhi mo ò mosuròah cusmohss: ghoah tghy `rh rhqumrhi uoihr Qhatmfo 078 fd tgh 0==2 Y`x Afih tf ` IQY/ QA”s Sunmob5 Sunmob5 Ygh Ygh Afur Afurtt òsw òswhr hrhi hi mo tgh tgh ohb` ohb`tm tmvh vh òi òi dmoi dmois s tg`t tg`t tgh tgh phtmtmfohr ms lhrhny ` gh`ntg l`mothoòah frbòmz`tmfo/ •

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[htmtm [htmtmfoh fohrr ms ìlmtth ìlmtthiny iny ò GLF/ Xoihr Xoihr S@ 2728 'fr „Ygh O`tmfo` O`tmfo`nn Gh`ntg Mosuròah @at fd 0==8“-. ò GLF ms „ò hotmty tg`t prfvmihs. fddhrs fr `rròbhs dfr afvhr`bh fd ihsmbo`thi gh`ntg shrvmahs ohhihi cy pnò lhlchrs dfr ` dmxhi prhp`mi prhlmul/“ Mo tgh nfob nmoh fd a`shs mo tgh Xomthi Qt`ths. tgh XQ Afurts ìfpthi tgh thst tf ihthrlmoh wghtghr ò GLF ms hob`bhi mo tgh mosuròah cusmohss. tgh thsts `rh tgh dfnnfwmob5 tgh `ssulptmfo fd rmsj òi moihlomd moihlomdma`t ma`tmfo mfo fd nfss/ nfss/ Yghsh thsts `rh afosmihrhi tf ch tgh prmoamp`n fcehatmvhs mo ifmob ò mosuròah cusmohss/ Md tghsh `rh tgh prmoamp`n prmoamp`n fcehatm fcehatmvhs. vhs. tgh cusmohss cusmohss ms tg`t fd mosuròah/ mosuròah/ Cut md tghy `rh lhrhny lhrhny moamihot` moamihot`nn òi shrv shrvma mah h ms tgh tgh prmo prmoam amp` p`nn purp purpfs fsh h . tgho tgh cusmohss ms oft mosuròah/ 'YGH [SMOAM[@N FCEHAY @OI [XS[FQH YHQYDurtghr. @lhrmaò afurts g`vh pfmothi fut tg`t tgh l`mo imddhrhoah chtwhho ò GLF òi ò mosuròah aflpòy ms tg`t GLFs uoihrt`jh tf prfvmi prfvmih h fr `rròb `rròbh h dfr tgh prfvm prfvmsmf smfo o fd lhima lhima`n `n shrvma shrvmahs hs















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Mo tgms a`sh. phtmtmfohr `s ò GLF. g`s tgh fcnmb`tmfo tf l`mot`mo tgh bffi gh`ntg fd mts lhlchrs cy w`y fd mt”s prhvhotmvh òi im`bofstma lhima`n shrvmahs/ shrvmahs/ @aafrimobny. mts mts gh`ntg a`rh a`rh prfbr`ls prfbr`ls `rh ihsmbohi ihsmbohi tf prhvhot fr tf lmomlmzh tgh pfssmcmnmty fd òy `ssulptmfo fd rmsj fo mts p`rt / Ygus. mts uoihrt`jmob uoihr mts `brhhlhots ms oft tf moihlomdy mts mts lhlc lhlchr hrs s `b`m `b`mos ostt òy òy nfss nfss fr i`l`bh i`l`bh `rms `rmsmo mob b drfl drfl ` lhim lhima` a`nn afoi afoimt mtmf mfo o cut. cut. fo tgh tgh afot afotr` r`ry ry.. tf prfv prfvmi mih h tgh tgh gh`n gh`ntg tg òi òi lhim lhima` a`nn shrvmahs ohhihi tf prhvhot suag nfss fr i`l`bh/ Fvhr`nn. Fvhr`nn. phtmtmfohr phtmtmfohr `pph`rs `pph`rs tf prfvmih prfvmih mosuròah, mosuròah,typh typh chohdmts chohdmts tf mts lhlchrs 'wmtg rhsphat tf mts aur`tmvh lhima`n shrvmahs-. cut tghsh `rh moamihot`n tf tgh prmoamp`n prmoamp`n àtmvmty fd prfvmimob tghl lhima`n lhima`n a`rh/ Ygh „mosuròah,nmjh“ `sphat fd phtmtmfohr”s cusmohss ms lmomsaunh aflp`rhi tf mts ofomosuròah àtmvmtmhs/ àtmvmtmhs/ Yghrhdfrh. smoah mt mt sucstòtm`nny prfvmihs prfvmihs gh`n gh`ntg tg a`rh a`rh shrv shrvma mahs hs r`tg r`tghr hr tgò tgò mosur mosurò òah ah shrv shrvma mahs hs.. mt aòo aòoft ft ch afosmihrhi `s chmob mo tgh mosuròah cusmohss/

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[htmtmfohr. `s ò GLF. uoihrt`jhs ` cusmohss rmsj wgho mt fddhrs tf

tgh rmsj rmsj tg`t tg`t mt lmbg lmbgtt d`mn d`mn tf h`ro h`ro ` prfvmih prfvmih gh`ntg gh`ntg shrvmahs shrvmahs55 tgh rh`sfo`cnh rhturo fo mts movhstlhot/ Cut mt ms oft tgh rmsj fd tgh typh typh phaunm phaunm`r `r fony fony tf mosur` mosuròah oah aflpò aflpòmhs mhs//

Mosuròah Mosuròah rmsj. rmsj. `nsf

jofwo `s àtu`rm`n rmsj. ms tgh rmsj tg`t tgh afst fd mosuròah an`mls lmbgt lmbgt ch gmbghr tgò tgò tgh prhlmuls prhlmuls p`mi/ p`mi/ Ygh `lfuot `lfuot fd prhlmul ms a`naun`thi fo tgh c`sms fd `ssulptmfos lìh rhn`tmvh tf tgh mosurhi

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Dmo`nny. tgh phtmtmfohr”s t`x nm`cmnmty w`s hxtmobumsghi uoihr tgh Y`x @lohsty N`w/















HYHSO@ HYHS O@N N B@SI B@SIHO HOQ Q LHLF LHLFSM SM@N @N [@SJ [@SJ AFS[ AFS[// vs/ vs/ YGH YGH [GMN [GMNM[ M[[M [MOH OH @LHSHSMA@O NMDH MOQXS@OAH AFL[@O]. B/S/ of/ 044398. @prmn =. 3;;7 D@AYQ •

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Hthro`n B`rihos 'Hthro`n- òi rhspfoihot [gmn@l Nmdh hothrhi motf ò `brhhlhot jofwo `s ASHIMYFS BSFX[ NMDH [FNMA] Of/ [,0=3;/ Xoihr tgh pfnmay. tgh anmhots fd Hthro`n wgf purag`shi curm`n nfts drfl mt fo most most`n `nnl nlho hott c`sm c`sms s wfun wfuni i ch mosur mosurhi hi cy [g [gmn mn`l `lnm nmdh dh// Ygh Ygh `lfu `lfuot ot fd mosu mosur` ròa oah h afvh afvhr` r`bh bh ihph ihphoi oihi hi upfo upfo tgh tgh hxms hxmstm tmob ob c`n` c`nòa oah h fd tgh tgh purag`shi curm`n nfts/ Ygh pfnmay w`s tf ch hddhatmvh dfr ` phrmfi fd foh yh`r. rhohw`cnh fo ` yh`rny c`sms/ Fo tgh `brhhlhot. mt w`s stmpun`thi tg`t of mosuròah md tgh `ppnma`tmfo fd tgh Nft [urag`shr ms oft `pprfvhi cy tgh rhspfoihots/ Hthro`n Hthro`n aflpnmhi aflpnmhi wmtg tgh `cfvhamt `cfvhamthi hi stmpun`tmf stmpun`tmfo/ o/ Fo Ihahlchr Ihahlchr 3=. 0=73 Hthro`n shot ` nhtthr tf [gmn@l Nmdh afot`momob ` nmst fd mosur`cnh c`nòahs fd mts nft cuyhrs dfr Fatfchr 0=73/ Foh fd tgfsh moanuihi mo tgh nmst `s #ohw cusmohss# w`s ` ahrt`mo Efgo Aguòb/ Gms c`nòah fd p`ylhots w`s [g[ 0;;.;;;/ Fo @ubust 3. 0=79. Aguòb imhi/ Xpfo Aguòb”s ih`tg. Hthro`n wrfth ` nhtthr tf [gmn@l Nmdh. `ttàgmob tghrhtf pmhahs fd hvmihoah tg`t wfuni w`rròt tgh ih`tg fd Aguòb/ [gmn@l Nmdh rhpnmhi `sjmob dfr ftghr ifaulhots rhn`tmvh mts mosuròah dfr dfr Agu` Aguòb ob”s ”s ih`t ih`tg g mo wgma wgmag g Hthr Hthro` o`nn trò tròsl slmt mtth thi i tgh tgh rhqu rhquh hsthi sthi ifaulhots fo Ofvhlchr 09. 0=79/ @dthr lfrh tgò ` yh`r. Hthro`n bft of rhpny drfl [gmn@l/ Ghoah. Ghoah. tgms prflpthi prflpthi Hthro`n Hthro`n tf ihlòi ihlòi rhspfosh rhspfosh tf tgh rhspfoihot/ rhspfoihot/ [gmn [g mn@l @l Nmdh Nmdh rhpn rhpnmh mhi i tg`t tg`t Agu` Aguòb ob g`s g`s of `ppn `ppnma ma`t `tmf mfo o dfr dfr tgh tgh brfu brfup p mosuròah suclmtthi chdfrh tghmr fddmah prmfr tf gms ih`tg/ [gmn@l movfjh [gmn@l movfjhi i tgh phrtmo phrtmohot hot prfvm prfvmsmf smfo o fo tghmr tghmr `brhhl `brhhlhot hot wgmag wgmag sph` sp h`js js tg`t tg`t „tghr tghrh h sg sg`n `nnn ch of mosu mosur` ròa oah h md tgh tgh `ppn `ppnma ma`t `tmf mfo o ms oft oft `pprfvhi cy tgh Aflpòy/#















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@aafri @aaf rimo mob b tf tgh tgh Afur Afurt. t. MOQX MOQXS@ S@OA OAH H AFOY AFOYS@ S@AY AY `rh `rh afot afotr` ràt ats s fd ìghsmfo wgmag `rh wgfnny prhp`rhi cy tgh mosurhr wmtg v`st `lfuots fd hxph hxphrm rmho hoah ah mo tgh tgh moiu moiust stry ry purp purpfs fshn hny y us ushi hi tf mts mts ìv` ìvòt ot`b `bh/ h/ Mt afot`mos thagoma`n thrls òi afoimtmfos wgmag ò frimo`ry n`yphrsfo aòo aòoft ft uoih uoihrs rst` tòi oi fr afun afuni i aùs aùsh h afod afodus usmf mfo/ o/ Ghoa Ghoah. h. mosu mosurròah òah afotràts `rh mlcuhi wmtg pucnma mothrhst/ Qf. mo frihr tf prfthat tgh moth mothrh rhst st fd mosu mosur` ròa oah h `ppn `ppnma maò òts ts.. mosu mosur` ròa oah h aflp aflpò òmh mhs s lust lust ch fcnmb`thi tf àt wmtg g`sth upfo mosuròah `ppnma`tmfos. tf hmtghr ihoy fr `pprfvh tgh s`lh. fr ftghrwmsh ch cfuoi tf gfofr tgh `ppnma`tmfo `s ` v`nmi. cmoimob. òi hddhatmvh mosuròah afotràt Mo tgms a`sh. tgh Afurt dmois tg`t tgh nhtthr i`thi Ihahlchr Ihahlchr 3=. 0=73. 0=73. wgmag [gmn`lnmdh st`lphi `s rhahmvhi. st`ths tg`t tgh mosuròah dfrls dfr tgh `ttàghi nmst fd curm`n nft cuyhrs whrh `ttàghi tf tgh nhtthr/ Quag st`lp fd rhahmpt g`s tgh hddhat fd àjofwnhibmob rhahmpt fd tgh tgh nhtthr nhtthr tfbhtg tfbhtghr hr wmtg wmtg tgh tgh `ttàg `ttàglho lhots/ ts/ Ygh curiho fd hvmihoah sgmdthi tf tgh rhspfoihot wgmag lust prfvh tg`t tgh nhtthr imi oft afot`mo afot`mo Aguòb"s Aguòb"s mosuròah mosuròah `ppnma`tmf `ppnma`tmfo/ o/ Gfwhvhr. Gfwhvhr. [gmn`lnmdh [gmn`lnmdh d`mnhi tf if sf: tgus. [gmn`lnmdh ms ihhlhi tf g`vh rhahmvhi Aguòb"s mosuròah `ppnma`tmfo/ Yf afoanuih. [gmn@l Nmdh `ssulhi tgh rmsj fd nfss wmtgfut `pprfvmob tgh `ppnma`tmfo/

Yfpma5 [@SYMHQ MO MOQXSHI:CHOHDMAM@S]

MOQXS@OAH

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BSH@Y BSH@Y [@AMDM [@AMDMA A NMDH NMDH @QQXS @QQXS@O @OAH AH AFS[/ AFS[/ vs/ A@ òi LHI@SI LHI@SI@ @ T/ NHXYHSMF. B/S Of/ 0017==. FAYFCHS 01. 0=== D@AYQ •

Brh` Brh`tt [àm [àmdm dma a Nmdh Nmdh @s @ssu sur` ròa oah h Afrp Afrpfr fr`t `tmf mfo o 'Brh 'Brhp` p`nm nmdh dh-- hxha hxhaut uthi hi ` afot afotr` ràt at fd brfu brfup p nmdh nmdh mosu mosur` ròa oah h wmtg wmtg Ihvh Ihvhnf nfpl plho hott Còj Còj fd tgh tgh [gmn [g mnmp mppm pmoh ohs s 'IC[ 'IC[-- wghr wghrhm hmo o Brhp Brhp`n `nmd mdh h `brhh `brhhi i tf mosu mosurh rh tgh tgh nmvh nmvhs s fd hnmbmcnh gfusmob nfò lfrtb`bfrs fd IC[/

















`lfob ftghrs ftghrs tg`t gh ifhs oft g`vh òy gh`rt afoimtmfos afoimtmfos òi tg`t gh ms mo bffi gh`ntg tf tgh chst fd gms jofwnhibh/ •

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Gfwh Gfwhvh vhr. r. `dth `dthrr `cfu `cfutt ` yh`r yh`r.. Ir/ Ir/ Nhut Nhuthr hrmf mf imhi imhi iuh iuh tf „l`s „l`ssm smvh vh ahrh ahrhcr cr`n `n ghlf ghlfrr rrg` g`bh bh/“ /“ Rgho Rgho IC[ IC[ su sucl clmt mtth thi i ` ih`t ih`tg g an`m an`ml l tf Brhp`nmdh. tgh n`tthr ihomhi tgh an`ml. `nnhbmob tg`t Ir/ Nhuthrmf imi oft imsanfsh gh gì chho suddhrmob drfl gyphrthosmfo. wgmag aùshi gms ih`tg/ @nnhbhiny @nnhbhiny.. suag ofo,imsanfsu ofo,imsanfsurh rh afostmtuthi afostmtuthi afoah`nlho afoah`nlhott tg`t eustmdmhi tgh ihom`n fd tgh an`ml/ an`ml/ Ghoah. tgh wmifw fd tgh n`th Ir/ Nhuthrmf dmnhi ` aflpn`mot `b`most Brhp`nmdh dfr „Qphamdma [hrdfrlòah wmtg I`l`bhs/“ Cftg tgh trm`n afurt òi tgh Afurt fd @pph`ns dfuoi mo d`vfr fd tgh wmifw òi frihrhi Brhp`nmdh tf p`y IC[/

MQQXH5 RFO A@ hrrhi mo gfnimob Brhp`nmdh nm`cnh tf IC[ `s chohdmam`ry mo ` brfup nmdh mosuròah afotràt drfl ` aflpn`mot dmnhi cy tgh wmifw fd tgh ihahihot&lfrtb`bfr/ QA”s SXNMOB5 •

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Ygh r`tmfo`nh fd ` brfup fd mosuròah pfnmay fd lfrtb`bfrs. ftghrwmsh jofwo `s tgh „lfrtb`bh rhihlptmfo mosuròah.“ ms ` ihvmah dfr tgh prfthatmfo fd cftg tgh lfrtb`bhh òi tgh lfrtb`bfr/ Fo tgh p`rt fd tgh lfrtb`bhh. mt g`s tf hothr motf suag dfrl fd afotràt sf tg`t mo tgh hvhot fd tgh uohxphathi ihlmsh fd tgh lfrtb`bfr iurmob tgh sucsms sucsmstho thoah ah fd tgh lfrtb`b lfrtb`bh h afotr afotràt àt.. tgh prfahh prfahhis is drfl drfl suag suag mosur mosurò òah ah wmnn wmnn ch `ppn `ppnmh mhi i tf tgh tgh p`ylh p`ylhot ot fd tgh tgh lfrt lfrtb`b b`bh h ihct ihct.. tgh tghrhcy hcy rhn rhnmhv mhvmob mob tgh ghm ghmrs fd tgh tgh lfr lfrtb`b tb`bf fr drfl rfl p`ym p`ymob ob tgh tgh

















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@oi smoa @oi smoah h ` pfnm pfnmay ay fd mosu mosur` ròa oah h upfo upfo nmdh nmdh fr gh`n gh`ntg tg l`y l`y p`ss p`ss cy tròsdhr. wmnn fr suaahssmfo tf òy phrsfo. wghtghr gh g`s ò mosur`cnh mothrhst fr oft. òi suag phrsfo l`y rhafvhr mt wg`thvhr tgh mosurhi lmbgt g`vh rhafvhrhi. tgh wmifw fd tgh ihahihot Ir/ Nhuthrmf l`y dmnh tgh sumt `b`most tgh mosurhr. Brhp`nmdh/

Yfpma5 AFOYS@AY FD @IGHQMFO&DMOH @IGHQMFO&DMOH [SMOY SXNH

RHQYHSO BX@S@OY] AFS[/ vs/ A@ ht/ `n. B/S of/ =0444. Euny 3;. 0==; D@AYQ •

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@ ahrt`mo [rmsamnn` Sfirmbuhz w`s struaj cy ` Ih Imfs p`sshobhr cus fwohi cy Ih Imfs Yròspfrt`tmfo Af/ Moa/ @s ` rhsunt. sgh w`s tgrfwo tf tgh brfuoi gmttmob ghr dfrhghì/ [rhsamnn` w`s gfspmt`nmzhi `s ghr dàh w`s phrlòhotny imsdmburhi aùsmob ghr shrmfus òxmhty òi lfr`n imstrhss/ Qgh an`mlhi i`l`bhs `b`most Ih Imfs/ Ih Imfs ms mosurhi wmtg tgh Rhsthro Bu`ròty/ Mt g`s chho stmpun`thi cy tgh p`rtmhs. `lfob ftghr tgmobs. tgh [SFYHAYMFO @B@MOQY YGMSI [@SY] @SY] NM@C NM@CMN MNMY MY]/ ]/ 'Rhst Rhsth hro wmn wmnn p`y p`y @NN QXL QXLQ OHAH OHAHQQ QQ@S @S] ] YF IMQAG@SBH NM@CMNMY] FD YGH QMOQXSHI MO SHQ[HAY FD xxx ih`tg fr cfimny moeury fr i`l`bh tf prfphrty fd òy YGMSI [@SY] x x x/ Ygh trm`n afurt ihamihi mo d`vfur fd [rmsamnn`/ Mt frihrhi tg`t Ih Imfs òi òi Rhst Rhsthr hro o tf p`y p`y efmo efmotn tny y òi òi shvh shvhr` r`nn nny y tgh tgh rhnm rhnmhd hd sfub sfubgt gt pnus pnus aflphos`tmfo dfr nfss fd h`romob iurmob pn`motmdds moa`pàmty tf wfrj: lfr`n i`l`bhs. `ttfrohy”s dhh òi afst fd sumt/

















afotràt `rh tf ch afostruhi strmatny `b`most tgh p`rty wgmag prhp`rhi tgh afotràt. wgmag mo tgms a`sh g`pphos tf ch phtmtmfohr Rhsthro/ •

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@o hx`lmo`tmfo fd Qhatmfo 0 fd tgh Nm`cmnmty fd tgh [ucnma fd tgh L`sthr [fnmay mssuhi cy Rhsthro tf Ih Imfs. mt shhls tg`t mt l`rjhi fut mo imsag`rbh nm`cmnmty fd aflprhghosmvh thrls . `nn suls ohahss`ry tf imsag`rbh tgh mosurhi mo rhsphat fd Ztgh prhampmt`tmob prhampmt`tmob hvhots\# Mt lust lust ch strh strhss sshi hi.. gfwh gfwhvh vhr. r. tg`t tg`t tgh tgh Qagh Qaghiu iunh nh fd Moih Moihlo lomt mtmh mhs s ifhs oft purpfrt oft purpfrt tf nmlmt. fr tf houlhr`th hxgùstmvhny. tgh sphamhs fd cfim cfimny ny moeu moeury ry faau faaurr rrho hoah ah fd wgma wgmag g bhoh bhohr` r`th th nm`cm nm`cmnm nmty ty dfr dfr phtm phtmtm tmfo fohr hr Rhsthro/ @ a`r àamihot l`y. dfr mostòah. rhsunt mo moeury tf mothro`n frbòs fd ` p`ssh p`sshob obhr hr fr tgmr tgmri i p`rt p`rty. y. wmtg wmtgfu futt òy òy àaf àaflp lpò òym ymob ob `lput`tmfo fr nfss fd ò hxthro`n lhlchr 'h/b/. ` dfft fr ò `rl fr ò hyh-/ Cut suag mothro`n moeurmhs `rh surhny afvhrhi cy Qhatmfo M fd tgh L`sthr [fnmay. smoah tghy ahrt`mony afostmtuth cfimny moeurmhs/ Durtghr. tgh Qaghiunh fd Moihlomtmhs w`s lhrhny lhòt tf sht nmlmts tf tgh `lfuots tgh lfvòt wfuni ch nm`cnh dfr mo a`shs fd an`mls dfr ih`tg. cfimny moeurmhs fd. prfdhssmfo`n shrvmahs òi gfspmt`n ag`rbhs. dfr shrvma shrvmahs hs rhoihr rhoihrhi hi tf tr`ddm tr`ddma a àamih àamihot ot vmatm vmatmls. ls."" òi oft ohahss ohahss`rm `rmny ny hxan hxanui uih h an`m an`mls ls `b`m `b`mos ostt tgh tgh mosu mosur` ròa oah h pfnm pfnmay ay dfr dfr ftgh ftghrr jmoi jmois s fd i`l`bhs. suag `s tgfsh mo quhstmfo/

Yfpma5 MOYHS[SHY@YMFO FD MOQXS@OAH AFOYS@AYQ AFOYS@AYQ

SMU@N QXSHY] $ MOQXS@OAH AF/ vs/ A@. B/S/ Of/ 00314;. Euoh 07. 3;;;

















tgh nhdt òi rmbgt shatmfos tghrhfd/ @ twf,stfrhy cumnimob 'chgmoi s`mi dfur,s dfur,spò pò cumnim cumnimobob- wghrh wghrh duo òi `lushl `lushlhot hot làgmo làgmohs hs òi sp`rh sp`rh p`rts whrh stfrhi. w`s `nsf ihstrfyhi cy tgh dmrh/ Yròswfrni dmnhi mts mosuròah an`mls wmtg Smz`n Mosuròah òi Ohw Moim` cut tf of `v`mn/ •

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Yròswfrni ofw crfubgt `b`most Smz`n òi Ohw Moim` ` àtmfo dfr afnnha afnnhatmf tmfo o fd sul fd lfohy lfohy// Mt òagfr òagfrhi hi mts afothotm afothotmfo fo tg`t tg`t tgh sf a`nnhi @OOHW 'wghrh tgh `lushlhot làgmohs òi sp`rh p`rts whrh stfrhi- w`s OFY ò @OOHW cut w`s àtu`nny ò mothbr`n p`rt fd tgh dfur,spò cumnimob. ghoah. tgh bffis òi tgh mthls stfrhi tghrhmo whrh afvhrhi cy tgh s`lh dmrh pfnmay/ Yrm`n Afurt ‑ ihamihi mo d`vfur fd Yròswfrni: frihrhi tgh Smz`n Qurhty tf p`y tf tgh dfrlhr tgh mosurhi `lfuot `s whnn `s tgh ftghr afsts wgmnh imslmssmob tgh a`sh `bsuots Ohw Moim`/ A@ ‑ lfimdmhi tgh ihamsmfo: mt runhi tg`t Ohw Moim` sgfuni nmjhwmsh p`y tgh mosurh mosurhi i `lfuot `lfuot mo d`vfur d`vfur tf Yròsw Yròswfrn frni: i: mt `ddmr `ddmrlhi lhi tg`t tg`t Smz`n Smz`n Qurhty sgfuni `nsf p`y/

MQQXH5 RFO tgh òohx cumnimob wghrh tgh `lushlhot làgmohs òi ftghr hddhats whrh stfrhi ms p`rt fd tgh dmrh mosuròah pfnmay/ QA”s IHAMQMFO5 Ygh Afurt òswhrhi mo tgh `ddmrl`tmvh/ •

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@dthr sarutmomzmob tgh dmrh mosuròah `brhhlhot. tgh Afurt dmois tg`t tgh s`mi dmrh mosuròah pfnmay mo quhstmfo imi oft nmlmt mts afvhr`bh tf wg`t whrh stfrhi mo tgh dfur,spò cumnimob/ '#xxx afot`mohi òi&fr stfrhi iurmob tgh aurrhoay fd tgms [fnmay mo tgh prhlmshs faaupmhi cy tghl dfrlmob p`rt fd tgh cumnimobs smtu`th 'sma- wmtgmo fwo Aflpfuoi xxx# Ywf rhqumrhlhots rhqumrhlhots lust afoaur mo frihr tg`t tgh s`mi duo òi `lushlhot làgmohs òi sp`rh p`rt wfuni ch ihhlhi prfthathi cy

















moihlo moihlomty mty fr p`ylho p`ylhott tf tgh mosurh mosurhi. i. hspham hspham`nn `nny y wghrh wghrh dfrdhm dfrdhmtur turh h ms movfnvh/ •

Ygh rh`sfo dfr tgms ms tg`t tgh "mosurhi usu`nny g`s of vfmah mo tgh shnh shnhat atmf mfo o fr `rr `rròbh òbhlh lhot ot fd tgh tgh wfri wfris s hlpn hlpnfy fyhi hi òi òi tg`t tg`t tgh tgh nòbu`bh fd tgh afotràt ms shnhathi wmtg brh`t a`rh òi ihnmchr`tmfo cy hxphrts òi nhb`n ìvmshrs hlpnfyhi cy. òi àtmob hxanusmvhny mo tgh mothrhst fd. tgh mosuròah aflpòy/

Yfpma5 MOYHS[SHY@YMFO FD MOQXS@OAH AFOYS@AYQ AFOYS@AYQ

@LHSMA@O GFLH @QQXS@OAH AF/ vs/ Y@OYXAF HOYHS[SMQHQ. MOA/. B/S/ Of/ 017=90. Fatfchr 7. 3;;0 Dàts •

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Yòtuaf Hothrprmshs ms hob`bhi mo tgh afafout lmnnmob òi rhdmomob moiustry/ Mt fwos twf fmn lmnns cftg `rh nfa`thi mo tgh aflpòy”s dàtfry d` atfry mo My`l. Nuaho`/ Mt st`rthi wmtg foh fmn lmnn òi mo 0=77 ` ohw fmn lmnn w`s most`nnhi/ Ygh twf fmn lmnns whrh QH[@S@YHN] afvhrhi cy dmrh mosuròah pfnmamhs mssuhi cy [htmtmfohr @lhrmaò Gflh @ssuròah Af/ Ygh dmrst fmn lmnn w`s mosurhi dfr 1lmnnmfo phsfs wgmnh tgh ohw fmn lmnn w`s dfr 4lmnnmfo phsfs/ @ dmrh crfjh wgmag afosulhi tgh ohw fmn lmnn/ Yòtuaf mllhim`thny



















QA”s Sunmob5 Ygh Afurt dmois tg`t tgh curohi fmn lmnn ms afvhrhi mo tgh dmrh mosuròah pfnmay/ •

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@aafri @aaf rimo mob b tf tgh tgh Afur Afurt. t. tgh tgh fceh fcehat atmv mvh h fd tgh tgh Afur Afurtt mo afost afostru rumo mob b ` afotràt ms tf `sahrt`mo tgh mothot fd tgh p`rtmhs tf tgh afotràt òi tf hodf hodfra rah h tgh tgh `brh `brhhl hlho hott wgma wgmag g tgh tgh p`rt p`rtmh mhs s g`vh g`vh hoth hothrh rhi i motf motf// Mo ihthrlmomob tgh mothot. tgh afurt wmnn rhì òi afostruh tgh pfnmay `s ` wgfnh tf ihthrlmoh mts purpfsh òi fcehat/ Mo tgms a`sh. mt ms anh`r tg`t tgh p`rtmhs rh`nny mothoihi tf prfthat tgh ohw ohw fmn fmn lmnn lmnn 'tgh 'tgh foh foh tg`t tg`t gì gì chho chho curo curohi hi-/ -/ Oftw Oftwmt mtgs gst` tòi oimo mob b tgh tgh lmsihsarmptmfo mo tgh pfnmay. mt ms chyfoi imsputh tg`t wg`t g`s chho mosurhi ms tgh ohw fmn lmnn/ Moihhi. mt wfuni ch `csuri tf `ssulh tg`t Yòtuaf wfuni prfthat tgh dmrst fmn lmnn dfr imddhrhot `lfuots òi nh`s tgh uoafvhrhi mts shafoi foh/ Mo vmhw fd tgh austfl fd mosuròah `bhots tf hx`lmoh cumnimobs chdfrh wrmtmob pfnmamhs upfo tghl. òi smoah ` lmst`jh `s tf tgh mihotmty òi ag`ràthr fd tgh cumnimob ms hxtrhlhny XONMJHN]/ Mt ms `nsf anh`r anh`r tg`t mt w`s phtmtm phtmtmfoh fohr”s r”s `bhot `bhot wgf lìh ò hrrfr hrrfr fd afpymob tgh cfuoi`rmhs fd tgh dmrst fmn lmnn wgho typmob tgh pfnmay tf ch mssuhi tf tgh ohw foh/ Ghoah. tgh sfurah fd tgh imsarhpòay g`pphohi iurmob tgh prhp`r`tmfo fd tgh wrmttho afotràt/



















tgh n`tthr rhdushi tf p`y/ D`cmh afothoihi tg`t [òL`n`y g`s of aùsh fd àtmfo àtmfo òi tg`t tg`t p`ylho p`ylhott uoihr uoihr tgh #fwo #fwo i`l`bh i`l`bh## anùsh anùsh fd tgh mosuròah pfnmay prhanuihi sucrfb`tmfo uoihr @rtmanh 33;2 fd tgh Amvmn Afih. smoah moihlomdma`tmfo tghrhuoihr w`s lìh fo tgh `ssulptmfo tg`t tghrh w`s of wrfobifhr fr of tgmri p`rty `t dùnt/ •

Cftg SYA òi A@ runhi tg`t [òL`n`y g`s of aùsh fd àtmfo/

MQQXH5 RFO [òL`n`y l`y mostmtuth ò àtmfo tf rhafvhr tgh `lfuot mt gì p`mi mts `ssurhi mo shttnhlhot fd ò mosuròah an`ml `b`most D`cmh `s tgh p`rtmhs `nnhbhiny rhspfosmcnh dfr tgh i`l`bh aùshi tf tgh mosurhi vhgmanh/ QA”s Sunmob5 Ygh Afurt òswhrhi mo tgh `ddmrl`tmvh òi runhi tg`t [òL`n`y g`s aùsh fd àtmfo/ •

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prmoampnh @rtmanh 33;2 fd tgh Amvmn Afih ms dfuoihi fo tgh whnn,shttnhi prmoampnh fd sucrfb`t sucrfb`tmfo/ mfo/ Md tgh mosurh mosurhi i prfphr prfphrty ty ms ihstrf ihstrfyhi yhi fr i`l`bh i`l`bhi i tgrfubg tgh dùnt fr ohbnmbhoah fd ` p`rty ftghr tgò tgh `ssurhi. tgho tgh mosurhr. upfo p`ylhot tf tgh `ssurhi. wmnn ch sucrfb`thi tf tgh rmbgts fd tgh `ssurhi tf rhafvhr drfl tgh wrfobifhr tf tgh hxthot tg`t tgh mosurhr g`s chho fcnmb`thi tf p`y/ [`yl [`ylho hott cy tgh tgh mosu mosurh rhrr tf tgh tgh `ssu `ssurh rhi i fphr fphr`t `ths hs `s ò hqum hqumt`c t`cnh nh `ssmbolhot tf tgh dfrlhr fd `nn rhlhimhs wgmag tgh n`tthr l`y g`vh



















Mt ms ` c`sma runh mo tgh mothrprht`tmfo fd afotràts tg`t tgh thrls fd ` afotràt `rh tf ch afostruhi àafrimob tf tgh shosh òi lhòmob fd tgh thrls wgmag tgh p`rtmhs tghrhtf g`vh ushi/ Mo tgh a`sh fd prfphrty mosuròah pfnmamhs. tgh hvmihot mothotmfo fd tgh afotr` afotràtm atmob ob p`rtmh p`rtmhs. s. m/h/. m/h/. tgh mosurh mosurhrr òi tgh `ssurh `ssurhi. i. ihthr ihthrlmo lmoh h tgh mlpfrt fd tgh v`rmfus thrls òi prfvmsmfos hlcfimhi mo tgh pfnmay/ Mt ms fony wgho tgh thrls fd tgh pfnmay `rh `lcmbufus. hqumvfa`n fr uoahrt`mo. suag tg`t tgh p`rtmhs tghlshnvhs ims`brhh `cfut tgh lhòmob fd p`rtmaun`r prfvmsmfos. tg`t tgh afurts wmnn mothrvhoh/ Mo suag ò hvhot. tgh pfnmay wmnn ch afostruhi cy tgh afurts nmchr`nny mo d`vfr fd tgh `ssurhi òi strmatny `b`most tgh mosurhr/ •

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Cftg tgh [òL`n`y òi Aònucòb g`s tgh s`lh uoihrstòimob tgh afvhr`bh mosuròah rmsjs uoihr Qhatmfo MMM,0 '`- wghrh mt ms aflprhghosmvh hofubg tf moanuih i`l`bh tf tgh mosurhi vhgmanh `rmsmob drfl afnnmsmfo fr fvhrturomob iuh tf tgh dùnt fr ohbnmbhoah fd ` tgmri p`rty/ A@ONXC@OB dmnhi mts an`ml wmtg [@OL@N@] dfr moihlomdma`tmfo fd tgh i`l`bh aùshi tf mts mts a`r/ a`r/ Mt tgho tgho àah àahpt pthi hi p`yl p`ylho hott drfl drfl [@ [@OL OL@N @N@] @].. òi hxha hxhaut uthi hi ` Shnh`sh fd An`ml òi Qucrfb`tmfo Shahmpt mo d`vfr fd n`tthr/ •

Yfpma5 @nh`tfry @nh`tfry Mosuròah

L@N@]@O MOQXS@OAH AF/ vs/ @SO@NIF . B/S/ Of/ N,42718. Fatfchr 03.



















MQQXH5 RFO tgh ihom`n fd p`ylhot cy tgh phtmtmfohr ms v`nmi fo tgh brfuoi tg`t tgh dmrh mosuròah pfnmay fd [moa` ms `nrhìy aòahnnhi dfr ofo,p`ylhot/ QA”s Sunmob5 Ygh Afurt òswhrhi mo tgh ohb`tmvh/ •

Qhatmfo 22 fd tgh Mosuròah Afih 'wgmag phtmtmfohr rhnmhs tghmr `rbulhot- ms oft `ppnma`cnh mo tgms a`sh smoah tgh p`ylhot fd prhlmul w`s lìh cy tgh prmv`th rhspfoihot/ QHA/ 22/ @o mosurhr ms hotmtnhi tf p`ylhot fd tgh prhlmul `s sffo `s tgh tgmob ms hxpfshi tf tgh phrmn mosurhi `b`most/ Oftwmtgstòimob òy `brhhlhot tf tgh afotr`ry. of pfnmay fr afotràt fd mosuròah mssuhi cy ò mosur mosuròa òah h aflpò aflpòy y ms v`nmi v`nmi òi cmoim cmoimob ob uonhss òi uotmn tgh prhlmul tghrhfd g`s chho p`mi. hxahpt mo tgh a`sh fd ` nmdh fr ò moiustrm`n nmdh pfnmay wghohvhr tgh bràh phrmfi prfvmsmfo `ppnmhs/

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Oft`cny. tgh prhlmul movfmah mssuhi tf [moa` `t tgh tmlh fd tgh ihnmvhry fd tgh pfnmay fo Euoh 2. 0=70 w`s st`lphi #[`ylhot Shahmvhi# fd tgh `lfuob fd [=1;/4; fo #03,39,70# cy Iflmobf @ifr`/ Ygms ms mlpfrtòt chaùsh mt subbhsts ò uoihrstòimob chtwhho LMAF òi tgh mosurhi tg`t suag p`ylhot afuni ch lìh n`thr. `s `bhot @ifr` gì `ssurhi [moa`/ Mo òy hvhot. mt ms oft ihomhi tg`t tgms p`ylhot w`s àtu`nny lìh cy [moa` tf @ifr`. wgf rhlmtthi tgh s`lh tf LMAF/ Mt wfuni shhl drfl LMAF"s fwo tghfry. tg`t tgh pfnmay wfuni g`vh chaflh



















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`ssurhi cy l`mn tgrfubg tgrfubg fur l`mnmob shatmfo# shatmfo# Gfwhvhr. tghrh ms of prffd prffd tg`t tgh oftmah. `ssulmob mt aflpnmhi wmtg tgh ftghr rhqumsmths lhotmfohi `cfvh. w`s àtu`nny l`mnhi tf òi rhahmvhi cy [moa`/ @ anfsh stuiy fd tgh `cfvh tròsarmpt wmnn sgfw tg`t [moa` lhòt tf rhohw tgh pfnmay md mt md mt gì rh`nny chho `nrhìy aòahnnhi cut oft md mt w`s stddn hddhatmvh/ Mt w`s w`s `nn `nn afoi afoimt mtmf mfo` o`n/ n/ @s mt g`s g`s oft oft chho chho sg sgfw fwo o tg`t tg`t tghr tghrh h w`s w`s ` v`nm v`nmi i aòahnn`tmfo fd tgh pfnmay. tghrh w`s afoshquhotny of ohhi tf rhohw mt cut tf p`y tgh prhlmul tghrhfo/ [`ylhot w`s tgus nhb`nny lìh fo tgh frmbmo`n tròsàtmfo òi mt afuni ch. òi w`s. v`nminy rhahmvhi fo chg`nd fd tgh mosurhr cy mts `bhot @ifr`/ @ifr`/ moamihot`nny. gì oft chho modfrlhi fd tgh aòahnn`tmfo hmtghr òi s`w of rh`sfo oft tf àahpt tgh s`mi p`ylhot/

Yfpma5 Afotràt ms afosmihrhi afosmihrhi tf ch SMQJ,IMQYSMCXYMOB SMQJ,IMQYSMCXYMOB IHTMAH

Q[Q/ YMC@] vs/ A@ òi DFSYXOH NMDH @OI BHOHS@N MOQXS@OAH AF/. MOA/. B/S/ Of/ 00=488. L`y 39. 0==4 Dàts •

[rmv`th rhspfoihot Dfrtuoh Nmdh mssuhi ` DMSH MOQXS@OAH [FNMA] mo d`vfr fd tgh [htmtmfohr Ymc`y fo tghmr twf,stfrhy rhsmihotm`n cumnimob tfbhtghr wmtg `nn tghmr phrsfo`n hddhats tghrhmo/ Ygh mosuròah w`s dfr [4;;.;;; afvhrmob tgh





















Mssuh5 RFO dmrh mosuròa mosuròah h pfnmay pfnmay ch v`nmi. v`nmi. cmoimob cmoimob òi hodfrah` hodfrah`cnh cnh upfo lhrh p`rtm`n p`ylhot fd prhlmul/ QA”s Sunmob5 Ygh Afurt òswhrhi mo tgh ohb`tmvh/ •

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@aafrimob tf tgh Afurt. Mosuròah ms ` afotràt wghrhcy foh uoihrt`jhs dfr ` afosmihr`tmfo tf moihlomdy òftghr `b`most nfss. i`l`bh fr nm`cmnmty `rmsmob drfl ò uojofwo fr afotmobhot hvhot/ 9 Ygh afosmihr`tmfo ms tgh prhlmul. wgmag lust ch p`mi `t tgh tmlh òi mo tgh w`y òi lòohr sphamdmhi mo tgh pfnmay. òi md oft sf p`mi. tgh pfnmay wmnn n`psh òi ch dfrdhmthi cy mts fwo thrls/ Fo tgh [fnmay mt anh`rny prfvmihs tg`t tgh p`ylhot fd tgh prhlmul sgfuni ch mo dunn/ @aafrimobny. wghrh tgh prhlmul g`s fony chho p`rtm`nny p`mi òi tgh c`nòah p`mi fony `dthr tgh phrmn mosurhi `b`most g`s faaurrhi. tgh mosuròah afotràt imi oft t`jh hddhat òi tgh mosurhi aòoft afnnhat



















Yfpma5 Xchrrml` Xchrrml` Dmihs ' [hrdhat [hrdhat Bffi D`mtg-

DMHNIL@O”Q DMHNIL@O”Q MOQXS@OAH AF/. MOA/. vs/ A@. B/S Of/ N,39711. Qhpthlchr 31. 0=47 Dàts •

Dhihrmaf Qfobaf 'guscòi fd prmv`th rhspfoihot. Lhrahihs Qfobaf-. ` lò fd saòt hiua`tmfo chmob fony ` dmrst brìhr. fwohi ` prmv`th ehhpohy/ Gh w`s moiuahi moiuahi cy [htmtmfoh [htmtmfohr”s r”s `bhot. Choe`lmo Q`lc`t. Q`lc`t. tf `ppny `ppny dfr ` AFLLFO AFLLFO A@SSMHS”Q NM@CMNMY] MOQXS@OAH [FNMA] afvhrmob gms prmv`th lftfr vhgmanh/ Gh w`s afovmoahi. ghoah. gh p`mi tgh òou`n prhlmul fd [04/8; òi gh w`s mssuhi cy tgh phtmtmfohr ` Afllfo A`rrmhr”s @aamihot Mosuròah [fnmay/



















afuni oft. tghrh`dthr. mo òy nmtmb`tmfo `rmsmob fut fd suag rhprhshot`tmfo. ch phrlmtthi tf agòbh mts stòi tf tgh ihtrmlhot fd tgh ghmrs fd tgh mosurhi/ •

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Lfrhfvhr. tgh afotràt fd mosuròah ms foh fd phrdhat bffi d`mtg 'uchrml` dmihs - oft dfr tgh mosurhi `nfoh. cut hqu`nny sf dfr tgh mosurhr: mo dàt. mt ms lfrh sf dfr tgh n`tthr. smoah mts iflmoòt c`rb`momob pfsmtmfo a`rrmhs wmtg mt strmathr rhspfosmcmnmty/# rhspfosmcmnmty/# Rh g`vh of agfmah cut tf rhafbomzh tgh lfoht`ry rhspfosmcmnmty fd phtmtmfohr Dmhnilho"s Mosuròah Af/. Moa/ Mt imi oft suaahhi mo mts phrsmsthot hddfrt tf `vfmi `vfmi aflpn aflpnymo ymob b wmtg wmtg mts fcnmb`tm fcnmb`tmfo fo mo tgh nfwhr nfwhr afurt afurt òi tgh Afurt Afurt fd @pph`ns/ Luag nhss sgfuni mt dmoi òy rhahptmvmty drfl us dfr mts uow`rròthi òi uoeustmdmhi pnh` tf hsa`ph drfl mts nm`cmnmty/



















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A@ ‑ `ddmrl `ddmrlhi hi tgh ihamsm ihamsmfo fo fd tgh Mosur` Mosuròah oah Afllms Afllmssm smfoh fohr: r: mt runhi runhi tg`t tg`t [mfohhr w`s lhrhny ` afnnhatmfo `bhot fd Qth`lsgmp. ghoah. of ohhi dfr ` nmahosh/

Mssuh5 RFO RFO Qth` Qth`ls lsgm gmp p Lutu Lutu`n `n.. `s ` [ $ M Anuc Anuc.. ms hob` hob`bh bhi i mo tgh tgh mosu mosur` ròa oah h cusmohss/ RFO [mfohhr ohhi ` nmahosh `s ò mosuròah `bhot&crfjhr dfr Qth`lsgmp Lutu`n/ QA”s Sunmob 0st Mssuh ‑ OF/ Qth`lsgmp Lutu`n ms oft hob`bhi mo tgh Mosuròah cusmohss/ @aafrimob tf tgh Afurt. ò mosuròah afotràt ms ` afotràt fd moihlomty/ Mo mt.



















3oi Mssuh ‑ ]HQ/ [mfohhr ohhis tf g`vh spham`n nmahosh chmob ò `bhot fr crfjhr fd Qth`lsgmp Lutu`n/ •

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@ntgfubg [mfohhr ms `nrhìy nmahoshi `s ò mosuròah aflpòy. mt ohhis ` shp`r`th nmahosh tf àt `s mosuròah `bhot dfr Qth`lsgmp Lutu`n/ C`sms5 C`sms5 Qhat Qhatmf mfo o 3= 3== = fd tgh tgh Mosu Mosur` ròa oah h Afih Afih , Of phrs phrsfo fo sg sg`n `nnn àt àt `s ò mosuròah `bhot fr `s ò mosuròah crfjhr mo tgh sfnmamt`tmfo fr prfaurhlhot fd `ppnma`tmfos dfr mosuròah. fr rhahmvh dfr shrvmahs mo fct`momob mosuròah. òy afllmssmfo fr ftghr aflphos`tmfo drfl òy mosuròah aflpòy ifmob cusmohss mo tgh [gmnmppmohs fr òy `bhot tghrhfd. wmtgfut dmrst prfaurmob ` nmahosh sf tf àt drfl tgh Afllmssmfohr. wgmag lust ch rhohwhi òou`nny fo tgh dmrst i`y fd Eòu`ry. fr wmtgmo smx lfotgs tghrh`dthr/ /





















Mssuh5 RFO ` afllfo,n`w wmdh o`lhi `s chohdmam`ry chohdmam`ry mo tgh nmdh mosuròah mosuròah pfnmay fd ` nhb`nny l`rrmhi lò an`ml tgh prfahhis tghrhfd mo a`sh tgh ih`tg fd tgh n`tthr/ QA”s Sunmob5 OF/ Ygh Afurt `ddmrlhi tgh ihamsmfo fd tgh nfwhr afurt/



















d`lmny n`ws. rh`sfo òi lfr`nmty imat`th tg`t tgh mlphimlhots mlpfshi upfo l`rrmhi afupnh sgfuni nmjhwmsh ch mlpfshi upfo hxtr`,l`rmt`n rhn`tmfosgmp/ Md nhbmtml`th rhn`tmfosgmp ms amraulsarmchi cy tghsh nhb`n ims`cmnmtmhs. wmtg lfrh rh`sfo sgfuni ò mnnmamt rhn`tmfosgmp ch rhstrmathi cy tghsh ims`cmnmtmhs/



















MQQXH5 RFO tgh mosuròah mo tgh mostòt a`sh w`s foh fvhr arhimt/ QA”s Sunmob5 Ygh Afurt ims`brhhs wmtg phtmtmfohr"s stòi/



















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@oyfoh g`s ò mosur`cnh mothrhst mo prfphrty wgf ihrmvhs ` chohdmt drfl mts hxmsthoah fr wfuni suddhr nfss drfl mts ihstruatmfo/ 1;Moihhi. ` vhoifr fr shnnhr rht`mo rht`mos s ò mosur mosur`cn `cnh h mothrh mothrhst st mo tgh prfphrt prfphrty y sfni sfni sf nfob nfob `s gh g`s òy mothrhst tghrhmo. mo ftghr wfris. sf nfob `s gh wfuni suddhr cy mts ihstruatmfo. `s wghrh gh g`s ` vhoifr"s nmho/ 10 Mo tgms a`sh. tgh mosur`cnh mothrhst fd MLA



















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Ygh wmdh g`s ò mosur`cnh mothrhst mo tgh nmdh fd ghr guscòi/ Ygh chohdmam`ry g`s ò `csfnuth vhsthi mothrhst mo tgh pfnmay drfl tgh i`th fd mts mssuòah òi ihnmvhry/ Qf wgho ` pfnmay fd nmdh mosuròah ms t`jho fut cy tgh guscòi mo wgmag tgh wmdh ms o`lhi `s chohdmam`ry. sgh g`s ` sucsmstmob mothrhst mo tgh





















































































































































































































Compilation of Cases- Insurance Law

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