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2020 Supreme(Mad) 553

S. M. SUBRAMANIAM
Cholamandalam MS General Insurance Company Limited, Chennai – Appellant
Versus
Ramesh Babu – Respondent


Advocates:
Advocate Appeared:
For the Appellant :J. Michael Visuvasam, Advocate.
For the Respondent:T.G. Balachandran, Advocate.

Judgement Key Points

What is the maintainability of a claim petition under Section 166 of the Motor Vehicles Act when the policy is a contractual Personal Accident Cover under a Package Policy?

What is the proper forum and jurisdiction to adjudicate contractual liabilities arising under Personal Accident Cover as opposed to statutory liabilities under the Motor Vehicles Act?

What are the limitations on the Tribunal’s power to award compensation beyond the terms and conditions of a contractual Personal Accident Policy?


JUDGMENT :

(Prayer: The Civil Miscellaneous Appeal is preferred under Section 173 of the Motor Vehicles Act, 1988, against the Decree and Judgment dated 10th July 2018 passed in M.C.O.P.No.27 of 2013 by the Hon'ble Motor Accidents Claims Tribunal (III Additional District Court), at Kallakurichi.)

The present Civil Miscellaneous Appeal on hand is preferred against the judgment and decree dated 10.07.2018 passed in M.C.O.P.No.27 of 2013 on the file of the Motor Accidents Claims Tribunal, III Additional District Court, Kallakurichi.

2. M/s.The Cholamandalam MS General Insurance Company Limited is the appellant and the learned counsel appearing on behalf of the appellant pleaded the facts by stating that on 15.06.2011, at about 06.00 a.m., while the respondent/owner was driving the Tata Indica Tourist Taxi TN-32-L-8595 from Tiruvannamalai to Kallakurichi Main Road, near Vanapuram, due to unavoidable reasons, dashed against the palm tree on the roadside, resulted in the road traffic accident. The respondent is the owner of Tata Indica Tourist Taxi. Thus, the facts admitted is that the

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