1. United India Insurance Co. Ltd. that figured as the second respondent before the Motor Accident Claims Tribunal (VI Judge, Court of Small Causes), Chennai in M.C.O.P.No.1005/2010 is the appellant in the civil miscellaneous appeal. Anthony Selvam, the first respondent herein filed the above said MCOP under Section 166 of the Motor Vehicles Act, 1988 against P.Damodaran, the second respondent herein and the appellant herein/insurance company, claiming a sum of Rs.2.00 Lakhs as compensation for the injuries allegedly sustained by him in an accident that took place on 19.11.2002 at about 01.10 Hrs. at Erukkanchery High Road, Erukkanchery, in which the lorry bearing Registration No.TNG 7876 belonging to the second respondent herein, which according to the first respondent herein/claimant, stood insured with the appellant herein/insurance company, hit the auto-rickshaw bearing Regn.No.TN-05 H0388 which was driven by the first respondent herein/petitioner. He had also contended in his petition that the accident took place due to the negligence on the part of the driver of the lorry. Claiming that he sustained grievous injuries leading to permanent disability, he had claimed th