M.Sathyanarayanan,J:- The appellant in C.M.A(MD)No.1511 of 2011 is the second respondent in M.C.O.P.No.70 of 2010 on the file of the Court of Motor Accident Claims Tribunal (District Judge), Karur and challenging the liability of the insurer to indemnify the insured namely the claimant and the quantum of compensation, preferred C.M.A.(MD)No.1511 of 2011.

2. The claimant in M.C.O.P.No.70 of 2010 on the file of the Court of Motor Accident Claims Tribunal (District Judge), Karur, aggrieved by the lesser quantum of compensation awarded, preferred C.M.A(MD)No.28 of 2012.

3. For the sake of convenience, the array of parties as referred to in M.C.O.P.No.70 of 2010 on the file of the Court of Motor Accident Claims Tribunal (District Judge), Karur, is adopted in these appeals also.

4. The facts in brief leading to the filing of these Civil Miscellaneous Appeals, are as follows:

(i) The claimant namely R.Karunanithi, son of V.Ramasamy, filed the above claim petition against one A.Pandian - owner of the vehicle and the appellant in C.M.A.No.1511 of 2011 (second respondent therein) - the insurer, claiming a compensation of Rs.25,00,000/- (Rupees Twenty Five Lakhs only) on account of permanent

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