IN THE HIGH COURT OF ANDHRA PRADESH AT AMARAVATHI
V. GOPALA KRISHNA RAO, J.
The Oriental Insurance Co. Ltd. – Appellant
Versus
Dasari Venkata Rao S/o Narasimham – Respondent
M.A.C.M.A. No. 1439 of 2015
Decided On : 11-08-2023
| Table of Content |
|---|
| 1. injury claim history from motor vehicle accident. (Para 3 , 4) |
| 2. insurance liability based on dishonoured cheque rules. (Para 8 , 14 , 15) |
| 3. court's reasoning following precedent cases. (Para 9 , 10 , 13) |
| 4. arguments surrounding insurance policy liability. (Para 11 , 12) |
| 5. final order confirming tribunal's decision. (Para 16 , 17) |
JUDGMENT :
V. GOPALA KRISHNA RAO, J.
1. Aggrieved by the impugned order dated 30.07.2014 on the file of Motor Accident Claims Tribunal-cum-IV Additional District Judge, Visakhapatnam, passed in M.V.O.P. No. 436 of 2007, whereby the Tribunal has partly allowed the claim against the respondents 1 to 3, the instant appeal is preferred by the appellant-Insurance Company.
2. For the sake of convenience, both the parties in the appeal will be referred to as they are arrayed in the claim application.
3. The claimant filed a Claim Petition under sections 166 of MOTOR VEHICLES ACT , 1988 read with 455 of MOTOR VEHICLES RULES , 1989 against the respondents praying the Tribunal to award an amount of Rs.8,00,000/- towards compensation for the injuries sustained by him in a Motor Vehicle Accident occurred on 29.09.2006.
4. The facts germane to dispose of this appeal may be briefly stated as follows:
5. The first and second respondents remained ex-parte. The third respondent filed counter denying the claim of the claimant and contended that the claimant is not entitled any compensation and the third respondent is not liable to pay any compensation to the claimant.
6. Based on the above pleadings, the Tribunal framed the following issues:
(ii) Whether the petitioner is entitled to compensation? If so, to what amount and from which of the respondents?
(iii) To what relief?
7. During the course of enquiry in the claim petition, on behalf of the petitioner, PW1 to PW4 were examined and Ex.A1 to Ex.A12 and Ex.X1 were marked. On behalf of respondents RW1 was examined and Ex.B1 to Ex.B5 were marked.
8. At the culmination of the enquiry, after considering the evidence on record and on appreciation of the same, the Tribunal has given a finding that the accident was occurred due to rash and negligent driving of driver of offending vehicle and the Tribunal granted an amount of Rs.6,33,500/- to the claimant towards compensation. Being aggrieved by the impugned award, the third respondent Insurance Company filed the appeal questioning the legal validity of the order of the Tribunal.
9. Heard Smt A. Jayanthi, learned counsel for the appellant-Insurance Company and Sri G. Venkata Reddy, learned counsel for respondent No. 1-claimant.
10. Now, the point for consideration is:
11. POINT:
The learned counsel for the respondent No. 3/appellant would vehemently contend that the policy was issued on 11.09.2006 and the owner of the vehicle issued a cheque for payment of premium vide cheque bearing No. 580424, dated 11.09.2006 and the Insurance Company presented the cheque in the bank on 16.09.2006 and the sam
Deddappa vs. Branch Manager, National Insurance Company Limited
National Insurance Company Limited vs. Seema Malhotra and others
Oriental Insurance Company Limited vs. Inderjit Kaur
United India Insurance Company Limited vs. Laxmamma and others
An insurance policy remains in effect unless properly cancelled before an accident; insurers are liable to indemnify third-party claims unless valid evidence shows policy cancellation.
Insurance companies must prove policy cancellation and notification to the insured before an accident to avoid liability for compensation.
The liability of the insurer under the insurance policy and the requirement to prove cancellation of the policy and intimation to the owner of the vehicle prior to the accident.
The main legal point established in the judgment is the liability of the insurance company to indemnify the insured in cases of motor vehicle accidents, emphasizing the importance of timely intimatio....
The insurance company is liable to indemnify the owner in respect of the statutory liability unless the policy is cancelled and intimated to the insured before the accident.
The insurance policy was deemed valid at the time of the accident, and the insurance company failed to prove its cancellation, thus liable for compensation.
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