1. Heard the submission of learned counsel for appellant Mr. J. Sarmah and learned counsel for the Insurance Company Mr. S.K. Goswami.

2. By way of appeal, the appellant has challenged the award dated 23.2.2010 passed in MAC Case No. 119/1999 passed by the Motor Accident Claims Tribunal, Kamrup, Guwahti. By recapitulating facts it can be narrated that on 7.7.1998 at about 6:30 P.M one Gopal Kalita was travelling in a bus bearing No. 01/C-1115 (city bus) as passenger from Chandmari to Narengi, and on the way he met an accident near Ganesh Mandir due to collision with another vehicle, resulting serious injury on his person. Said Gopal Kalita seated near right side of the city bus and when the city bus passed through a turning point of Ganesh Mandir at that time Mini Truck bearing No. AMK-5681, coming from the opposite direction in high speed, dash against said bus, and his hand came outside the window of the city bus while, making an attempt to hold the window, as a result of the accident his right hand was completely crushed and he has to undergo on amputati