Karnataka High Court
Judges : C.N.Ashwathanarayana Rao
UNITED INDIA INSURANCE COMPANY LTD. - Appellant
Versus
DHANALAKSHMI - Respondent
MFA. 1997 Of 1996
Decided On : 05/30/1997
Advocates Appeared :
A.M.VENKATESH, J.M.Umesh Murthy, M.V.HIREMATH
Insurance Company - Motor Vehicle Accident - Motor Vehicles Act, 1988 - Section 10, Section 3 Clause 1 - The court discussed the provisions of the Motor Vehicles Act, 1988, particularly Section 10 and Section 3 Clause 1, and interpreted the requirement for a valid driving license for driving different types of vehicles. The court also referenced several legal precedents to support its interpretation of the law.
Fact of the Case:
The appeal was filed by the Insurance Company against an award in a motor vehicle accident case, challenging the liability of paying compensation. The deceased was involved in a motor vehicle accident, and the Insurance Company contended that the driver did not possess a valid driving license, thus violating the insurance policy terms. The court heard arguments from both parties and examined the evidence, including the insurance policy cover note and the driving license held by the driver.
Finding of the Court:
The court found that the driver held a driving license for a heavy passenger vehicle, while the vehicle involved in the accident was a heavy goods vehicle. This constituted a clear violation of the insurance policy terms, and the Insurance Company was not liable to pay the compensation determined by the Tribunal.
Issues: The issues involved the validity of the driver's license, the interpretation of the insurance policy terms, and the liability of the Insurance Company to indemnify the owner.
Ratio Decidendi: The court's decision was based on the interpretation of the Motor Vehicles Act, 1988, particularly Section 10 and Section 3 Clause 1, and the application of legal precedents that established the requirement for a valid driving license specific to the type of vehicle involved in the accident.
Final Decision: The appeal was allowed, and the award passed by the Tribunal was modified, holding only the respondents-1 and 2 liable to pay the compensation. The Insurance Company was found not liable, and the amount deposited by the appellant was to be paid to the appellant. Each party was directed to bear their own costs in the appeal.
( 1 ) THE Insurance Company his filed this appeal against an award in MVC No. 255/94 on the file of the Court of the Motor Accident Claims Tribunal, III Court, Raichur, dated 23. 01. 96 challenging the fastening of the liability of paying compensation on the appellant/3rd respondent.
( 2 ) THE facts which have led to this appeal may briefly be stated as follows:the respondents 1 and 2 are the Wife and minor son of the deceased Rama Rao who died in a motor Vehicle accident filed an application for compensation. The petitioner's case was that on 20,5. 1994 at about 9. 30 p. m. when the deceased was proceeding on Gangavathi Sindhanoor road, a lorry bearing No. KA-15/0049 which was being driven in a rash and negligent manner by the 3rd respondent (1st respondent before the Tribunal) dashed against Rama Rao resulting in the spot death. b) The Insurance Company in its written statement contended that the 1st respondent - Driver did not possess a valid driving licence and therefore there was a violation of the terms of the insurance policy and hence the insurance company was not liable to indemnify the 2nd respondent-Owner. The said contention was made the subject matter of Issue No. 3. After trial and hearing the learned Counsel for the parties, the learned Tribunal answered Issue No. 3 against the Insurance Company and consequently held it liable to indemnify the owner. Being aggrieved by the said Judgment and award the insurance company has preferred this appeal.
( 3 ) I have heard the learned Counsel for the parties and have perused the records.
( 4 ) THE facts in this case are not in dispute. By consent of parties (vide order sheet dated 20. 12. 95) two documents Ex-R,1 2 came to be marked as exhibits on behalf of the 3rd respondent-Insurance Company. Though the learned Counsel for the respondents 1 and 2 submitted that the respondents 1 and 2 did not give any such consent, the order sheet discloses that it was done in presence of both the parties and the petitioners never objected to the same. Therefore, as rightly submitted by the learned Counsel for the appellant Ex. R-1 and 2 could be taken as having been marked as Exhibits with the consent of the petitioners. Ex-R. 1 is a zerox copy of the motor vehicle insurance cover note issued by the 3rd respondent in respect of the vehicle involved in the accident, Ex. R-2 is a xerox copy of the driving licence held by the 1st respondent. It goes to show that the 1st respondent had the licence to drive "hpv only". e. Heavy Passenger Vehicle.
( 5 ) THE appellant in the grounds urged in the appeal memo has contended that the trial Court erred in coming to the conclusion that the appellant has not proved that the driver of the lorry did not possess a proper driving licence to drive goods vehicle. It is contended, Ex. R-2 driving licence establishes that the driver had driving licence to drive only heavy passenger vehicle and not a goods vehicle. It is contended; the grounds on which the lower Court has rejected the appellant's contention are not satisfactory and cannot be accepted.
( 6 ) ELUCIDATING these contentions, the learned Counsel for the appellant relied upon certain provisions under the Motor Vehicles Act, 1988 (herein afterwards referred to as the ACT) and certain decisions. He drew my attention to Section 10 of the Act. It classifies the motor vehicles under different headings. Section 3 Clause 1 of the Act provides as follows: "no person shall drive a motor vehicle in any public place unless he holds an effective driving licence issued to him authorising him to drive the vehicle; and no person shall so drive a transport vehicle (other than a motor cab hired for his own use or rented under any scheme made under Sub-section (2) of Section 75 ). unless his driving licence specifically entitles him so to do. " the learned Counsel for the appellant emphasized on the words 'effective driving licence' and the words 'specifically entitles him so to
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