2019 Supreme(HP) 705
IN THE HIGH COURT OF HIMACHAL PRADESH AT SHIMLA
Sureshwar Thakur, J.
Oriental Insurance Company Ltd. – Appellant
Versus
Deep Ram and Others – Respondents
First Appeal From Order No. 152 of 2015; Cross Objections No. 32 of 2015
Decided On : 12-09-2019
Lalit K. Sharma, Adv., C.N. Singh, Adv., G.R. Palsra, Adv.
The court emphasized the importance of accurately assessing disabilities and the entitlement to higher compensation for additional disabilities.
Headnote:
Insurance - Motor Accident Claim - Ex.RW2/A - National Insurance Co. Ltd. vs. Pranay Sethi and others (2017) ACJ 2700
Fact of the Case:
The insurer of the offending vehicle contested the compensation amount and indemnificatory liability. The disabled claimant sought enhancement of compensation amount.
Finding of the Court:
The court found that the insurer's contentions regarding the driving license and breach of insurance contract were unfounded. The disabled claimant was entitled to a higher compensation amount due to additional disabilities.
Issues: Validity of insurer's contentions on driving license and breach of insurance contract, calculation of compensation amount for disabilities
Ratio Decidendi: The court concluded that the insurer's contentions were baseless and the disabled claimant was entitled to a higher compensation amount due to additional disabilities.
Final Decision: The appeal filed by the insurer was dismissed, and the cross-objections by the disabled claimant were allowed. The disabled claimant was held entitled to a total compensation of Rs.17,76,100/- along with interest.
JUDGMENT :
Sureshwar Thakur, J.
The Insurer of the offending vehicle, whereupon whom, the apposite indemnificatory liability, vis-a-vis, the compensation amount, stood fastened, is, aggrieved by the pronouncement, made, by the learned Motor Accident Claim’s Tribunal-II, Mandi, H.P., upon, Claim Petition No. 47 of 2011, (i) where through, compensation amount, comprised, in, a sum of Rs.3,68,500/- alongwith interest accrued thereon, at the rate of 7.5% per annum, and, commencing from, the date of petition till realization thereof, stood assessed, vis-a-vis, the disabled claimant, and, the apposite indemnificatory liability thereof, was, fastened, upon, the insurer/appellant herein. On the other hand, the respondent No.1/cross objector also reared cross-objections, bearing CO No. 32 of 2015, against, the impugned award, wherethrough, he seeks enhancement of compensation amount, in a sum, higher, than, the one assessed qua him, under, the impugned award.
2. The learned counsel, appearing for the aggrieved insurer, does not, contest the validity, of, rendition, of, affirmative findings, upon, the issue appertaining, to, the ill-fated mishap, being a sequel of rash, and, negligent manner, of, driving, of, the offending vehicle, by, respondent No.3 herein. However, his centralized focus, for, his making an onslaught, vis-a-vis, the impugned ward, is, anchored upon, though, the vehicle, as borne, from the apposite registration certificate, embodied in Ex.RW1/B, being categorised, as, a, light goods vehicle, (i) whereas, the driving licence, held, at the relevant time, by respondent No.3 herein, borne in Ex.RW2/A, though, authorised him to drive vehicles carrying, the, classification of "light motor vehicle", and, "light transport vehicle", yet when there is no specific, and, explicit pronouncement, in, Ex. RW2/A, vis-a-vis, respondent No.3 herein, being also authorised to drive, the, offending vehicle, (ii) thereupon, Ex.RW2/A being not construable to be a valid, and, effective driving licence, for, hence, authorising respondent No.3 herein, to, drive the offending vehicle, at the relevant time, (iii) and, has also contended, that, the fastening, of, the apposite indemnificatory liability, upon, the appellant, does also, suffer from, a, fallibility.
3. However, the afore contention, is, per se, ridden, with a gross fallacy, as, a bare scanning, of, Ex.RW2/A, (a) makes, clear revelations qua their occurring, a specific, and, explicit echoing, vis-a-vis, respondent No.3 herein, being authorised to drive, a, "light motor vehicle", and, a "light motor vehicle transport", (b) and, the afore echoings dehors, any further explicit echoing carried therein, vis-a-vis, respondent No.3 herein being authorised to drive a light transport vehicle, rather is sufficient, and, abundant, to constrain this Court, to, conclude qua the respondent No.3 herein, rather holding, an, authorization, through, Ex.RW2/A, to, drive, the, offending vehicle.
4. Be that as it may, the learned counsel appearing for the insurer, has proceeded, to, make a contention before this Court, that, with the report, of, the FSL, bone in Ex. Rx, making, a, pronouncement, vis-a-vis, alcohol being detected in the blood, and, urine samples, of, respondent No.3 herein, (a) and, with the contract of insurance rather barring him to drive the offending vehicle, under, the influence of liquor, (b) whereas, his, at, the relevant time, driving it, in, an intoxicated condition, (b) hence, therethroughs, upon breach of the requisite fundamental condition, borne in the contract, of, insurance, being sparked, hence, the apposite indemnificatory liability, vis-a-vis, compensation amount, being not saddleable, upon, the insurer of the offending vehicle. However, the afore submission, is, rudderless, (c) as, the apposite MLC, occurring at page 102, of, the records of the learned tribunal, makes vivid echoings qua, though, the doctor concerned, at time of his subjecting, respondent No.3 herein, to medica