ZIYAD RAHMAN A. A.
NEW INDIA ASSURANCE COMPANY LTD. – Appellant
Versus
AMMINI W/O VIJAYAN K. R. (LATE) – Respondent
Key Points: - The absence of goods in the vehicle at the time of the accident does not preclude a person from being treated as the owner of the goods, for the purposes of Section 147(1)(b)(i) (policy coverage). (!) (!) - A claimant must prove that the deceased was travelling as owner of the goods or authorised representative; mere absence of goods is not alone decisive. Evidence such as the claim petition, FIR/Ext.A1 can support this. (!) (!) (!) - Violation of policy conditions by carrying excess passengers requires evidence of seating capacity/terms of policy; absence of such documents prevents attributing liability for policy breach. (!) (!) (!) - Tribunal’s finding that absence of goods does not preclude coverage was upheld; right of recovery cannot be entertained without proving policy terms and seating restrictions. (!) - The court relied on prior and cited decisions regarding whether a passenger can be treated as owner of goods even when goods are not present, ultimately upholding coverage in this case. (!) (!) (!)
JUDGMENT :
1. This appeal is submitted by the 3rd respondent/insurer in O.P. (MV) No. 452 of 2007 on the file of the Motor Accidents Claims Tribunal, Kalpetta. The said claim petition was submitted by respondents 1 to 4 in this appeal seeking compensation for the death of one Vijayan due to the injuries sustained in a motor accident that occurred on 29.05.2007. The respondents 5 and 6 are the driver and owner of the vehicle involved in the accident.
2. According to the claimants, the deceased hired a goods autorickshaw bearing registration No. KL-12A/7278 for transporting hay to the house of the deceased. One trip of the hay was transported, and when they proceeded with the second trip, due to the rash and negligent driving of the 1st respondent, the autorickshaw hit a stone near the road and capsized. The deceased was thrown off to the road and sustained severe injuries. Even though he was taken to Medical College Hospital, Calicut and was admitted there, due to the seriousness of his injuries, he died on 05.06.2007. The deceased was 45 years old at the time of the accident and was an agriculturist with a monthly income of Rs.3,750/-.
3. The claim petition was submitted by the claima
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