JUDGMENT :

K. NATARAJAN, J.

1. Miscellaneous First Appeal Nos.20104 of 2010 filed by the insurer whereas MFA No. 20887 of 2010 filed by the claimants assailing the judgment and award dated 07.09.2009 passed by the Principal Civil Judge (Senior Division) and Motor Accident Claims Tribunal, Belgaum (hereinafter referred to as the 'Tribunal', for short) in MVC No. 2422 of 2007.

Another appeal in MFA No. 20105 of 2010 is filed by the insurer assailing the judgment and award dated 19.05.2009 passed by the Additional Motor Accident Claims Tribunal, Saundatti, in MVC No. 1978 of 2006.

2. Since all these appeals arise out of the very same accident but judgment delivered by different Tribunals, they are clubbed together in order to avoid repetition of facts and law.

3. Heard the arguments of the counsel for the insurer as well as the claimants.

4. Rank of the parties before the Tribunal is retained for convenience.

5. The claimants filed a petition under Section 166 of the Motor Vehicles Act, 1988 (hereinafter referred to as the 'Act', for short) claiming compensation of Rs.20,90,000/- for t