BEFORE THE MADURAI BENCH OF MADRAS HIGH COURT
R. VIJAYAKUMAR, J.
Saraswathi & Others – Appellants
Versus
Kumar & Others – Respondents
C.M.A (MD) No. 1187 of 2016
Decided On : 25-04-2023
Motor Vehicles Act, 1988 - Exoneration of Insurance Company - Section 173 - The court discussed the involvement of the vehicle, the injuries sustained, and the death of the deceased person due to the rash and negligent driving of the first respondent. The court found inconsistencies in the tribunal's findings and held that the insurance company is liable to indemnify the owner of the vehicle.
Fact of the Case:
The deceased was a pillion rider in a two-wheeler driven by the first respondent and sustained serious head injuries due to a road traffic accident. The claimants sought compensation, but the insurance company was exonerated by the Motor Accident Claims Tribunal.
Finding of the Court:
The court found inconsistencies in the tribunal's findings and held that the insurance company is liable to indemnify the owner of the vehicle.
Issues: Exoneration of the insurance company, involvement of the vehicle in the accident, and delay in lodging the F.I.R.
Ratio Decidendi: The court held that the insurance company is liable to indemnify the owner of the vehicle due to inconsistencies in the tribunal's findings and lack of legally acceptable reasons for exoneration.
Final Decision: The court set aside the award of the tribunal in exonerating the insurance company and held the respondents 1 and 2 jointly and severally liable to pay the award amount.
JUDGMENT
(Prayer: Civil Miscellaneous Appeal filed under Section 173 of the Motor Vehicles Act, 1988, to modify and refix the award passed in MCOP.No.1179 of 2012 dated 27.04.2015 on the file of the IV Additional District Judge, Motor Accident Claims Tribunal, Madurai by and directing the 2nd respondent to pay compensation.)
1. The appeal has been filed by the claimants challenging the exoneration of the insurance company by the Motor Accident Claims Tribunal in MCOP.No.1179 of 2012.
2. The claimants have contended that the deceased was travelling as a pillion rider in a two wheeler driven by the first respondent on 10.03.2012 at about 5.00 p.m. The driver of the vehicle had lost his control due to rash and negligent driving and the deceased and the first respondent were thrown away and sustained injuries. The pillion rider sustained serious head injury and he was initially treated at a private hospital in Madurai and later shifted to Government Rajaji Hospital, Madurai on 10.03.2012 where had passed away on 13.04.2012.
3. According to the claimants, the deceased was employed in Tamil Nadu Electricity Board and hence, he was treated as a paid patient in Government Hospital. The accident has taken place only due to the rash and negligent and uncontrol driving of the first respondent. Since the deceased was in the hospital for nearly a month, they were concentrating to save the life of the deceased person and they did not lodge a complaint immediately. After the death, a complaint was lodged before the police authorities on 13.04.2012 in Crime No.141 of 2012.
4. According to the claimants, the deceased was a Mazdoor in electricity board and he was earning not less than Rs.15,000/- per month and had he been alive, he would have got more promotions as wireman and thereafter as foreman. He had further contended that the deceased had left his wife, minor daughter, widowed mother and three younger brothers and one elder brother.According to the claimants, the vehicle belonging to the first respondent was insured with the second respondent insurance company. The claimants prayed for a sum of Rs.32,50,000/- as compensation.
5. The first respondent had filed a counter contending that the deceased was the pillion rider and he was driving the two wheeler at that point of time and due to the fact that he lost control of the vehicle, the accident had taken place. He had further contended that he was having effective and valid driving license at the relevant point of time and the vehicle is insured with the second respondent.
6. The second respondent/insurance company had filed a counter contending that the F.I.R has been lodged belatedly after a period of 32 days from the date of alleged occurance. They have further contended that when the deceased was originally admitted to Vijaya Hospital, Madurai, there is no reference about RTA (Road Traffic Accident) and the vehicle number was also not informed to the hospital authorities. It has been contended that the respondent apprehend that the petitioner and the owner of the two wheeler have colluded with an idea of claiming compensation from the insurance company. The insurance company had further questioned the quantum of compensation.
7. The Tribunal after considering the oral and documentary evidence produced on either side, arrived at a finding that the involvement of the vehicle and the injuries and the death of the deceased person are only due to the rash and negligent driving of the first respondent. However, the Tribunal proceeded to give a finding that there is a delay in lodging the F.I.R and there is a reference about the bicycle in the involvement of the accident in Exhibit P14 which is the treatment details of Vijaya Hospital. The Tribunal was not inclined to accept the evidence of the first respondent and thereafter, proceeded to hold that the manipulation of the records cannot be ruled out when the parties were not come to the Court with clean hands and specific pleadings.
8. The Tribunal
Inconsistencies in the tribunal's findings and lack of legally acceptable reasons for exoneration led to the court holding the insurance company liable to indemnify the owner of the vehicle.
The main legal point established in the judgment is the determination of liability and quantum of compensation under the Motor Vehicle Act, 1988.
Accident claim - Two wheeler and the policy is only for third party. Hence, the wife travelled along with her husband as a pillion rider and the accident has taken place due to the wrong driving by t....
The court held that the lack of credible evidence linking the insured vehicle to the accident necessitated the annulment of the Tribunal's award, emphasizing the importance of substantive proof in li....
The insurer is liable for compensation when the identified tort-feasor is negligent, and claimants cannot choose to pursue unidentified tort-feasors.
The court established that the driver of the offending vehicle was negligent, warranting compensation for the claimants under the Motor Vehicles Act.
Login now and unlock free premium legal research
Login to SupremeToday AI and access free legal analysis, AI highlights, and smart tools.
Login
now!
India’s Legal research and Law Firm App, Download now!
Copyright © 2023 Vikas Info Solution Pvt Ltd. All Rights Reserved.