( 1 ) THE Diyisional manager, Oriental Insurance Company limited, Warangal Branch, is the appellant in the C. M. A. filed against the Award dated 31. 7. 1997 in O. P. No. 312 of 1995 passed by the Motor Vehicle Accidents Claims tribunal, Warangal. On 29-1-1994 the first respondent, who was working as Teacher in Rajendra Convent School, was going to school. At 8. 45 a. m. when he reached ajantha Bar at Pochamma Maidan, the scooter driven by the second respondent herein came from backside and dashed against the first respondent causing multiple injuries to him. He filed the O. P. before the tribunal claiming an amount of Rs. 25,000/- as compensation. The driver and owner of the scooter remained ex parte. The insurance Company opposed the claim inter alia on the ground that as the driver was not having valid licence, the Insurance company stands exonerated under the policy. The claimant examined himself as pw1 arid marked Exs. A1 to A5. The insurance Company did not lead oral evidence, but marked Ex. B. l, which is driving licence of Bairu Sudershan, second respondent herein, who was driving the vehicle. The Tribunal having regard to the documentary evidence Exs. A2 to