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2025 Supreme(Chh) 292

IN THE HIGH COURT OF CHHATTISGARH AT BILASPUR
AMITENDRA KISHORE PRASAD, J.
Branch Manager H.D.F.C. Ergo General Insurance Company, Raipur District – Appellant
Versus
Kailash Kumar Kachlame S/o Late Bisram – Respondent
MAC No. 1335 of 2018
Decided On : 17-10-2025

Advocates Appeared:
For the Appellant : Harshmandar Rasogi
For the Respondent: Praveen Dhurandhar

The court affirmed that a Poklen construction vehicle qualifies as a 'motor vehicle' under the Motor Vehicles Act, ensuring liability is upheld for third-party claims.

Headnote:(A) Motor Vehicles Act, 1988 - Sections 2(28), 166, 168, and 169 - Appeal against compensation granted by Motor Accidents Claims Tribunal - Accident involving a construction vehicle (Poklen) led to the death of a laborer - Court confirmed that Poklen qualifies as a 'motor vehicle' under the Act as it was used on a public road. (Paras 7, 14)

(B) Liability of Insurer - Insurer maintained that construction machines do not fall under the definition of a 'motor vehicle' and thus denied compensation liability - Court ruled against insurer, reiterating established legal principles regarding third-party liability of insurance policies. (Paras 4, 15)

(C) Compensation - Total compensation was awarded to claimants with an understanding that it will first be paid by the insurer, who may then recover from the owner. (Paras 15)

Facts of the case:
The appeal involves claims due to an accident where the deceased laborer was struck by a tree after a Poklen machine, operated negligently, caused it to fall. The deceased was 25, earning Rs. 6,649 monthly. The insurance policy reportedly covered third-party liability.

Findings of Court:
Court held the Poklen as a motor vehicle, thus affirming the insurer's liability and directing full payment of compensation from the insurer, with recovery rights from the vehicle owner.

Issues: The primary issue was the applicability of the Motor Vehicles Act to the Poklen machine and whether it qualified as a 'motor vehicle'.

Ratio Decidendi: Court concluded the Poklen was indeed a 'motor vehicle' since it was employed on public roads and confirmed third-party coverage under the insurance policy.

Result: Appeal dismissed.

Table of Content
1. accident details and claimants' background. (Para 1)
2. factual basis of the claim. (Para 2)
3. arguments on the maintainability and liability. (Para 3 , 4 , 5)
4. court's observations on vehicle classification. (Para 6 , 7 , 8 , 9)
5. applicability of the motor vehicle definition. (Para 10 , 13)
6. legal interpretation of the motor vehicle definition. (Para 11 , 12 , 14)
7. order on compensation payment. (Para 15 , 16)

ORDER :

1. This is an appeal by the insurance company against the award dated 07.05.2018 passed by the 6th Additional Motor Accidents Claims Tribunal, Durg (C.G.) in Claim Case No.107 of 2016, in which compensation of Rs.7,10,400/- has been granted in favour of the claimants fastening liability upon the appellant insurance company and owner-Respondent No.4 of the offending machine in ratio of Rs.5,75,000/- and rest of the amount Rs.1,35,400/- to the Respondent No.4 i.e. owner herein to pay the compensation as above.

2. Facts of the present case, in brief, are that the appellant herein is the insurer of the machine bearing registration number 210 Kobelco Poklen (hereinafter referred to as the “offending machine”). The respondents No. 1 and 2, being the legal heirs and representatives of the deceased Tarun Kachlame, filed a claim application under Section 166 of the Motor Vehicles Act (hereinafter referred to as “the Act”) seeking compensation amounting to Rs. 31,91,396/- for the death of Tarun Kachlame. The accident occurred on 13.06.2016 at approximately 10:00 a.m. at Boria Tibbu Godawri Mines, Khadgoan, District Rajnandgaon, when the offending machine, driven in a rash and negligent manner by respondent No. 3, struck a tree during excavation work. The tree subsequently fell upon the deceased, who was a laborer working at the site, causing fatal injuries. It was averred in the claim application that the deceased was employed at the said mines earning a monthly salary of Rs. 6,649/- and was aged 25 years at the time of the accident. The incident was reported to Police Station Khadgoan, leading to the registration of Crime No. 34/2016 against respondent No. 3.

3. Notices were issued to respondent Nos. 3 and 4 as well as the appellant insurer. The respondents No. 3 and 4 appeared and filed their written statements denying all allegations and contending that the deceased was unmarried and that the claimants were not dependent on him. The appellant insurer also appeared and denied the claim, asserting that the accident did not occur in a public place and that the insured machine was not involved in the accident. The appellant further contended that the insured equipment was a construction machine not falling within the definition of a “motor vehicle” under the Act, thus rendering the claim application non-maintainable. It was also submitted that the insurance policy did not cover risks to employees of the insured, and hence the deceased did not qualify as a third party under the policy. The learned Tribunal framed issues based on the pleadings, heard evidence from all parties, and concluded that the deceased was indeed traveling in the offending vehicle at the time of the accident. An application under Section 170 of the Act was filed and allowed on 09.01.2018. The appellant has deposited Rs. 25,000/- towards the appeal filing fees. The appellant challenges the findings of the learned Tribunal as arbitrary and legally unsustainable, necessitating the present appeal.

4. The learned counsel for the appellant-insurance company respectfully submits that the claim petition was not maintainable before the Tribunal as the offending machine, being a Poklen construction vehicle, does not fall within the ambit of Section 2(28) of the Motor Vehicles Act and therefore cannot be classified as a “motor vehicle” for the purposes of the Act; consequently, no liability to pay compensation can be fastened upon the appellant. It is contended that although the offending machine was insured with the appellant, the policy did not

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