SUPREME COURT OF INDIA
K.Vinod Chandran, N.V. Anjaria, JJ.
Rajamma & Ors. – Appellants
Versus
M/s. Reliance General Insurance Co. Ltd. & Anr. – Respondents
Civil Appeal No. 5172 of 2025
Decided On : 26-09-2025
| Table of Content |
|---|
| 1. details of the accident and claimants. (Para 1) |
| 2. issues with evidence and credibility. (Para 2 , 4 , 5 , 6 , 7) |
| 3. court’s observations on the validity of evidence. (Para 3 , 8) |
| 4. dismissal of the appeal and case closure. (Para 9 , 10) |
JUDGMENT :
K. VINOD CHANDRAN, J.
1. The appellants are the claimants who impugn the judgment of the High Court rejecting the claim petition, after reversing the award of the Tribunal. The claimants alleged that the only breadwinner of their family, the husband of the first appellant, died in a hit and run road accident, which fortunately was witnessed by a close associate of the family; a neighbour. The dead body of the victim was abandoned by the driver of the offending vehicle, who on the pretext of taking the victim to the hospital left him at a far-off place. PW1 is the wife of the deceased and PW2 was the eyewitness proffered by the claimants; both examined before the Tribunal.
2. The Tribunal noticed the objection raised by the insurance company regarding the fraud played by the claimants. It was contended that the alleged offending vehicle was not at all involved in the accident. The driver and the owner of the vehicle were set ex-parte. The Tribunal held that there was no rebuttal evidence brought in by the insurance company as against the testimony of PW2, the eyewitness. RW1, an officer of the insurance company had merely raised an objection in his testimony, which though pleaded cannot be believed, since he was not an eyewitness. The insurance company was further faulted for not having examined the driver of the offending vehicle. The contention regarding the delay in registration of FIR was brushed aside on the ground that the FIR was first registered at a Police Station without jurisdiction, which was later transferred to the jurisdictional Police Station; the delay having occurred in the transfer alone. The objection of the insurance company having been rejected, the Tribunal went ahead and awarded an amount of Rs.16,02,000/- to the claimants. The insurer appealed against the award in which the High Court reversed the findings and held that the accident as also the involvement of the vehicle was not proved.
3. The complaint was filed alleging that the accident occurred on 18.06.2014 at 12 am at Singasandra crossroad. Actually, the accident occurred at 12 pm as spoken of by the witnesses and the time recorded in the complaint obviously is a typographical error. However, the fact remains that the High Court specifically noticed that the death of the accused, as per the intimation of death given by the family, by Ext.P13, is on 20.06.2014. Ext.P-13 was a document produced and marked by the claimants through PW1, which is the obsequies ceremony card.
4. According to PW1, she was informed of the accident in which her husband was involved, by PW2. PW1 deposed that she went in search of her husband in various hospitals and later was informed of a dead body lying abandoned, at a place, quite distant from the scene of occurrence. She is said to have taken the body from the lorry stand in front of the BTL College to the hospital, where her husband was declared brought dead. An FIR is said to have been lodged on 19.06.2014 in the Hebbogodi Police Station. Serious objection was raised regarding the said FIR registered at that Police Station which did not have any jurisdiction, which FIR was claimed to have been transferred to the jurisdictional Police Station i.e. Electronic City Traffic Police Station after 117 days.
5. If the FIR is registered on the basis of the accident or on the detection of the abandoned body, then it should have been registered in a Police Station having jurisdiction over either of the two locations. In the present case, PW1 had categorically stated that she was informed of the accident by PW2, in which event the location was clearly known to PW1 and the FIR ought to have been registered at the Electronic City Traffic Police Station itself in the first inst
AI
In motor accident claims, the standard of proof is based on preponderance of probabilities; substantial doubts or unreliability in eyewitness testimony can lead to the rejection of claims.
The Supreme Court emphasized that credible eyewitness testimony cannot be dismissed based on minor discrepancies; a delay in FIR registration alone does not undermine the veracity of the account.
Claimants must establish vehicle involvement in an accident on the preponderance of probability; mere delay in FIR does not negate claims if credible evidence exists.
Delay in lodging FIR does not invalidate claims if justified by circumstances; compensation awards upheld based on evidence.
In motor vehicle accident claims, proof is required on a preponderance of probabilities rather than beyond reasonable doubt; the insurance company's failure to provide witness testimony undermined it....
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