IN THE HIGH COURT OF ANDHRA PRADESH AT AMARAVATI
V.R.K. KRUPA SAGAR, J.
Kotepalli Sambasiva Rao - Appellant
Versus
Vadlamudi Vikram Anor and Others - Respondents
Motor Accident Civil Miscellaneous Appeal No. 1288 of 2012
Decided On : 04-03-2025
(A) Motor Vehicles Act, 1988 - Sections 166 and 173 - Appeal against the award of the Claims Tribunal - Claimant injured in an accident while driving his own vehicle - Claims Tribunal found that the claimant was the owner-cum-driver and dismissed the claim for compensation, stating that he cannot claim damages for his own fault. (Paras 1, 6, 10, 17)
(B) Liability of Insurance Company - The court held that a claimant cannot maintain a claim based on his own negligence, as he is not considered a third party under the Act. (Paras 16, 17)
Facts of the case:
The claimant sustained grievous injuries in an accident involving a lorry he owned and drove. The Claims Tribunal found that the claimant was responsible for the accident due to negligent driving and dismissed his claim for compensation.
Findings of Court:
The Claims Tribunal's finding that the claimant was the owner-cum-driver of the vehicle at the time of the accident was upheld, and the claim was dismissed as the insurance policy did not cover the owner's risk.
Issues: Whether the owner-cum-driver of a vehicle is entitled to claim damages for his own fault?
Ratio Decidendi: The court ruled that a claimant cannot claim compensation for injuries sustained due to his own negligent driving, as he is not a third party under the Motor Vehicles Act.
Result: Appeal dismissed.
| Table of Content |
|---|
| 1. counsel arguments for claimant and insurance company (Para 2) |
| 2. details of the accident and claim (Para 3) |
| 3. issues settled by claims tribunal (Para 4) |
| 4. testimonies and evidence presented (Para 5) |
| 5. claims tribunal's findings on injuries (Para 6) |
| 6. claimant's appeal arguments (Para 7 , 8) |
| 7. insurance company's counterarguments (Para 9) |
| 8. key point for consideration (Para 10) |
| 9. undisputed facts of the case (Para 11 , 12) |
| 10. claimant's admission of ownership (Para 13 , 14 , 15) |
| 11. court's ruling on compensation claims (Para 16 , 17) |
| 12. court's final ruling on appeal (Para 18) |
JUDGMENT :
The injured claimant preferred this Appeal under Section 173 of the Motor Vehicles Act, 1988 assailing the award dated 22.03.2005 of the learned Chairman, Motor Accidents Claims Tribunal (II Additional District Judge), West Godavari District, Eluru (hereinafter referred to as ‘the Claims Tribunal’) in O.P.No.413 of 1999.
2. Heard arguments of Sri B.V.Krishna Reddy, the learned counsel appearing on behalf of Sri Naram Nageswara Rao, the learned counsel for appellant and Smt. S.A.V. Ratnam, the learned counsel for respondent No.2-Insurance Company.
3. The following facts are required to be noticed:
On 11.11.1997 at about 10:30 P.M. a lorry bearing registration No.AP-16-V-4046 proceeding from Eluru to Hyderabad with a load of fish turned turtle near Chandrala Village, N.S.P. Canal and Sri Katepalli Sambasiva Rao suffered grievous injuries. Stating that Sri Vadlamudi Vikram is the owner of the offending vehicle and National Insurance Company Limited insured the offending vehicle, he levied a claim under Section 166 of the Motor Vehicles Act and filed O.P.No.413 of 1999. Respondent No.1 therein Sri Vadlamudi Vikram did not choose to appear and contest. The insurance company/respondent No.2 therein raised a contest stating that Sri Vadlamudi Vikram/respondent No.1 was not owner of the offending vehicle. It further raised contention that the Claims Tribunal lacked jurisdiction as it is a case of own damage and sought dismissal of the claim.
4. The learned Claims Tribunal settled the following issues:
1) Whether the accident occurred due to rash and negligent driving of the lorry bearing No.AP-16-V-4046 driven by the petitioner himself?
2) Whether the petitioner is entitled to claim compensation? If so to what amount and against which of the respondents?
3) To what relief?
5. PWs.1 and 2 testified and Exs.A.1 to A.12 were marked for claimant/injured. RWs.1 and 2 testified and Exs.B.1 and B.2 and Exs.X.1 and X.2 were marked for respondent No.2-insurance company.
6. The learned Claims Tribunal found that the claimant injured sustained serious injuries and had undertaken long medical treatment, and he was subjected to four surgeries. Towards pain and suffering, loss of actual earnings, extra nourishment and attendant charges, medical expenses, transportation to hospital and permanent disability it found Rs.98,945/- as just compensation. After recording detailed reasons and after consideration of precedent, it observed that the claimant was not entitled to seek compensation, and the insurance company was not liable. Accordingly, it dismissed the claim petition.
7. Assailing the same, the injured claimant preferred this appeal.
8. Sri B.V. Krishna Reddy the learned counsel contends that the Claims Tribunal committed an error in appreciating the law and it ought to have granted compensation and citedNational Insurance Co. Ltd. v. Veldi Chandra Sekhar, 2012 ACJ 1153 (A.P.), United India Insurance Co. Ltd. v. Meenaben Mahendrabhai Chavda, [2023 ACJ 949 (Gujarat)] and Branch Manager, Bajaj Allianz General Ins. Co. Ltd. v. Atika Devi, [2023 ACJ 1575 (Jharkhand)]
9. Against it, Smt. S.A.V. Ratnam, the learned counsel for respondent No.2-Insurance Company contended that the grievance of the appellant is misplaced and in the cases of own damage the Claims Tribunal has no jurisdiction and the impugned award is right on law in the context of the facts available o
A claimant cannot seek compensation for injuries sustained due to his own negligent driving, as he is not considered a third party under the Motor Vehicles Act.
An owner/injured person cannot file a claim under Section 163A of the Motor Vehicles Act against the insurer, as they do not qualify as a third party.
The owner of a vehicle is not entitled to compensation under the insurance policy for personal injuries sustained in an accident.
A vehicle owner cannot file a compensation claim under Section 163A of the Motor Vehicles Act for injuries sustained while using their own vehicle.
The Claims Tribunal lacks jurisdiction to entertain claims by vehicle owners under Section 163A of the Motor Vehicles Act for personal accident coverage, as they do not qualify as third parties.
An owner of a vehicle cannot claim compensation under the Motor Vehicles Act as they are not considered a third party.
A claimant must be a third party to maintain a claim under Section 163-A of the M.V. Act; a driver cannot claim compensation for injuries sustained while driving their own vehicle.
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