IN THE HIGH COURT OF JHARKHAND AT RANCHI
HON’BLE MR. JUSTICE SUBHASH CHAND, J.
National Insurance Company Ltd. - Appellant
Versus
Ratan Devi, W/o. Late Nand Kishore Paswan (wife of deceased) & Ors. - Respondents
M.A. No. 71 of 2011
Decided On : 21-02-2024
MOTOR VEHICLE ACCIDENT - COMPENSATION CLAIM - MV Act, Section 140; Composite Negligence Principles - The court discussed the principles of composite negligence under the Motor Vehicles Act, emphasizing that in cases involving multiple negligent parties, the injured party can claim full compensation from any one of the tortfeasors. The court highlighted that the liability of joint tortfeasors is joint and several, and the claimant is not required to establish the extent of each party's negligence. The court also addressed the breach of insurance policy terms regarding the use of a private vehicle for passenger transport, ultimately ruling in favor of the claimants due to the lack of evidence from the insurance company to support their defense.
Fact of the Case:
The claim petition was filed following a fatal accident on 18.11.2006 involving a tempo and a jeep, resulting in the death of Nand Kishore Paswan and injuries to his wife, Ratan Devi. The claimants sought compensation from the insurance company of the jeep, which was allegedly driven negligently. The insurance company contested the claim, arguing non-joinder of the tempo's insurer and breach of policy terms.
Finding of the Court:
The court found that the accident was a result of composite negligence involving both vehicles. The testimony of Ratan Devi, the eye witness, was deemed credible and established the negligence of the jeep driver. The court ruled that the insurance company was liable to pay compensation despite the alleged breach of policy terms, as no evidence was presented to support this claim.
Issues: 1. Whether the accident resulted from composite negligence, necessitating the inclusion of the tempo's insurer in the claim. 2. Whether the use of the jeep as a passenger vehicle constituted a breach of the insurance policy.
Ratio Decidendi: The court reiterated that in cases of composite negligence, the injured party can claim full compensation from any of the negligent parties, and the liability is joint and several. The court also emphasized that the burden of proof lies with the party alleging a breach of policy terms, which was not met by the insurance company in this case.
Final Decision: The miscellaneous appeal was dismissed, affirming the tribunal's award of Rs. 8,05,780/- to the claimants, along with interest.
JUDGMENT :
Subhash Chand, J.
The instant miscellaneous appeal has been directed against the judgment/award dated 28.01.2011 passed by the learned District Judge-cum-M.A.C.T., Godda in M.A.C.T. No.43 of 2009 whereby and whereunder the learned Tribunal awarded the amount of Rs.8,05,780/- alongwith simple interest @ 6% per annum from 22.12.2009 till its realisation within 30 days from the date of award payable by Insurance Company/appellant herein.
2. The brief facts leading to this Miscellaneous Appeal are that the claim petition was filed with these averments that on 18.11.2006 at about 3:30 pm deceased Nand Kishore Paswan alongwith his wife Ratan Devi, the claimant no.1 in claim petition, boarded the tempo bearing registration no. BR-34A-0197 at Usary Registry Chowk and was going to house at Rupani. Amid the way 300 yards from the Registry Chowk near the village Barichak at Maheshkhut-Gogari Pacci Road, the jeep bearing registration no. HR-01J-8110 being rashly and negligently driven by its driver dashed the tempo. As a result of the said accident Nand Kishore Paswan sustained serious injury who was referred to hospital Gogari. Police also recorded the statement in course of treatment of Nand Kishore Paswan who succumbed to the injury. The claimant no.1 wife of the deceased also sustained simple injury. The FIR of this case was also lodged with the Police Station Gogari P.S. Case No.304 of 2006 against the driver of both the vehicle Tempo and Jeep as well. Claimant no.1 is the wife claimant nos.2, 3 and 5 are the minor daughters and claimant no.4 is the minor son of the deceased. The deceased was 35 years old at the time of accident and was a government servant who was choikidar. His monthly income was Rs.5,987/-. The post mortem of the deceased was also conducted. The total compensation of Rs.7,73,732/- was claimed.
3. The owner of the offending vehicle Jeep OP no.1 Anil Kumar Yadav filed the written statement with these averment that he is owner of the Jeep and OP no.2 Rajmani Paswan was driver of the same. This vehicle was insured by OP no.3 National Insurance Company Limited. The accident was not caused on account of rash and negligent driving by the driver of the Jeep.
4. OP no.3 National Insurance Company Limited filed the written statement with these averments that the claim petition was not maintainable. The same is bad for non-joinder of party as the owner and insurance of the tempo were not impleaded as party to this claim petition. The vehicle was ensured as a private vehicle but the same was carrying passenger on hire. Hence the insurance company is absolved from the liability if any.
5. The learned Tribunal passed the impugned judgment/award on 28.01.2011 directing OP no.3 National Insurance Company Limited to pay the amount of Rs.8,05,780/- alongwith simple interest @ 6% per annum from 22.12.2009 till the actual date of payment within 30 days from the date of passing award.
6. Aggrieved from the impugned judgment/award dated 28.01.2011 the instant miscellaneous appeal has been directed on behalf of insurance company on the ground that earlier the claimants had filed the petition under section 140 of MV Act bearing MACT case, Godda No. 29 of 2007 in which the National Insurance Company Limited the appellant and New India Assurance Company which is the insurer of the Tempo was also made party and the award was passed in the same and both companies were directed to satisfy the award equally. In the instant M.A.C.T Case No.43 of 2009 New India Assurance Company the insurer of the Tempo has not been impleaded as a party. The jeep which was insured by the appellant insurance company, was insured as private vehicle whereas the same was used as a passenger carrying vehicle which is in violation of the terms & condition of insurance policy.
7. I have heard the learned counsel of parties and perused the material on record. For disposal of this miscellaneous appeal following point of determination is being framed :
Khenyei Vs. New India Assurance Company Limited & Others
Point of law: The term negligence means failure to exercise care towards others which a reasonable and prudent person would in a circumstance or taking action which such a reasonable person would not....
In composite negligence cases, a claimant can recover full damages from any joint tortfeasor without being compelled to join others, affirming the principle of joint and several liability.
The main legal point established in the judgment is the application of negligence, contributory negligence, and composite negligence in motor accident compensation cases, along with the calculation o....
The judgment clarified the legal principles distinguishing contributory negligence from composite negligence, establishing that in accidents involving multiple vehicles, liability should be apportion....
The main legal point established is the application of the doctrine of contributory negligence and composite negligence in determining liability for motor accidents.
The main legal point established in the judgment is the application of principles for deciding negligence and contributory negligence in motor accident claims, as well as the computation of compensat....
The insurance company is liable to pay compensation for the injuries sustained by the petitioner due to the rash and negligent driving of the driver of the insured vehicle.
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