IN THE HIGH COURT OF JUDICATURE AT MADRAS
J. NISHA BANU, R. SAKTHIVEL, JJ.
M/s.The IFFCO-TOKIO General Insurance Co. Ltd. - Appellant
Versus
G. Poornima & Ors. - Respondents
C.M.A.No.60 of 2023 and C.M.P.No.538 of 2023
Decided On : 08-04-2025
(A) Motor Vehicles Act, 1988 - Sections 166 and 168 - Civil Miscellaneous Appeal against the Award of the Motor Accident Claims Tribunal - The Tribunal found the lorry driver negligent and awarded compensation based on the deceased's income and age - The appeal was filed by the insurer of the lorry challenging both liability and quantum of compensation. (Paras 1, 8, 10, 24)
(B) Negligence - The court emphasized that the burden of proof lies on the party alleging negligence, and the FIR alone cannot determine liability without considering the circumstances of the accident. (Paras 17, 18)
(C) Quantum of Compensation - The court modified the compensation awarded by the Tribunal, adjusting deductions for personal expenses and enhancing amounts for loss of consortium. (Paras 20, 23)
Facts of the case:
The deceased, Ravi, was driving a car that collided with a lorry driven negligently, resulting in his death. The petitioners sought Rs.50,00,000/- in compensation. (Paras 3, 10)
Findings of Court:
The Tribunal held the lorry's insurer liable and awarded Rs.41,63,400/- in compensation, which was later enhanced to Rs.47,07,200/- by the High Court. (Paras 8, 24)
Issues: The main issues included the determination of negligence and the appropriate quantum of compensation. (Paras 11, 12)
Ratio Decidendi: The court ruled that the evidence supported the claim of negligence against the lorry driver, and adjustments to the compensation were necessary to reflect the deceased's financial contributions accurately. (Paras 18, 20)
Result: The Civil Miscellaneous Appeal was dismissed, and the compensation was enhanced to Rs.47,07,200/- with interest. (Paras 25)
JUDGMENT :
R. SAKTHIVEL, J.
Feeling aggrieved by the Award dated April 26, 2022 passed in M.C.O.P. No.1522 of 2016 on the file of the 'Motor Accident Claims Tribunal (Special Subordinate Court) at Cuddalore' (in short 'Tribunal'), the 4th respondent therein / Insurance Company has preferred this Civil Miscellaneous Appeal.
2. For the sake of convenience, the parties herein are referred to as per their array in the Original Petition.
PETITIONERS’ CASE
3. On January 10, 2016 at about 02.30 a.m., the deceased – Ravi was driving a car bearing Registration No.TN-22-CH-9267 on Chennai-Trichy National Highways near Chepauk Komugi Bridge. At that time, a lorry bearing Registration No.TN-34-D-3677, driven by its driver in a rash and negligent manner, dashed against the said car. Consequently, the deceased - Ravi (and a front co-passenger, namely S.Ramanarayanan who is none other than the son of the owner of the car / first respondent) passed away. According to the petitioners, who are the wife, minor daughter and parents of the deceased, at the time of accident, the deceased was a 27 years old Pandit earning a sum of Rs.50,000/- per month. Before the Tribunal, owner and insurer of the said car, as well as owner and insurer of the said lorry, were arrayed as Respondent Nos.1 to 4 respectively. Stating that the lorry was insured with the 4th respondent and that the accident occurred due to the careless and reckless driving of the driver of the 3rd respondent’s lorry, the petitioners filed the Claim Petition before the Tribunal seeking compensation of Rs.50,00,000/- (Rupees Fifty Lakhs only) along with interest and costs from the respondents.
RESPONDENT NOS.1 & 3
4. Respondent Nos.1 & 3 are the owners of the said car and the said lorry respectively. They did not appear and choose to contest the petition and hence, were set ex-parte before the Tribunal.
CASE OF 2ND RESPONDENT / INSURER OF 1ST RESPONDENT’S CAR IN THE COUNTER
5. There was negligence on the part of the driver of the lorry bearing Registration No. TN-34-D-3677, as he drove the lorry in a rash and negligent manner, causing the accident. In the absence of proof of negligence on the part of the car driver, the 2nd respondent is not liable to pay any compensation to the petitioners. Furthermore, the petitioners must establish the age, income, and occupation of the deceased. At the time of the accident, the deceased was not wearing seatbelt. The validity of the deceased’s driving license, Registration Certificate, and Permit etc., was disputed. The First Information Report (FIR) was registered with a false narration of facts. Stating that the compensation claimed is unsustainable and excessive, the 2nd respondent prayed for the dismissal of the claim petition.
CASE OF 4TH RESPONDENT / INSURER OF 3RD RESPONDENT’S LORRY IN THE COUNTER
6. The allegation that the lorry driver was the root cause of the accident is denied. As per FIR and charge sheet, the car driver was responsible for the accident. Since the car driver / deceased – Ravi died in the accident, the case was closed as abated. Therefore, the 2nd respondent – insurer of the car is liable to compensate the petitioners. Consequently, the claim against the 4th respondent / insurer of the lorry is not maintainable, and therefore, the 4th respondent has prayed for the dismissal of the claim petition against it.
TRIBUNAL
7. Before the Tribunal, on the side of petitioners, the 1st petitioner was examined as P.W.1 and a passenger of the said car (who also got injured in the accident), namely Vignesh was examined as P.W.2 and Ex- P.1 to Ex-P.13 were marked by P.W.1. On the side of the respondents, one Singaravelan, Special Sub Inspector of Police (S.S.I.), Veppur and one Santhyalakshmi, Legal Officer of the 4th respondent were examined as R.W. 1 & R.W.2 respectively and a copy of charge sheet was marked as Ex-R.1.
8. The Tribunal, after considering the evidence available on record, held that the accident had occurred on account of fault on the part
The court affirmed that the burden of proof for negligence lies with the party alleging it, and modified the compensation awarded by the Tribunal to ensure it reflects the deceased's financial contri....
The court affirmed the Tribunal's finding of negligence on the lorry driver's part and adjusted the deceased's notional income, resulting in enhanced compensation of Rs.20,56,058.
The insurance company failed to prove negligence on the car driver's part; the lorry driver was found responsible for the accident. Compensation of Rs.6,04,830 was deemed just and reasonable.
The court established that the FIR does not solely determine negligence, and the multiplier method is appropriate for calculating compensation based on functional disability.
The insurance company remains liable for compensation even when the deceased's negligence is alleged, unless proven otherwise through admissible evidence.
The court enhanced the compensation for death in a motor accident, establishing the deceased's notional income and confirming the negligence of the Lorry driver.
The main legal point established in the judgment is the determination of liability and quantum of compensation under the Motor Vehicle Act, 1988.
Contributory negligence must be proven and cannot be inferred; the deceased was not negligent, leading to a modified compensation of Rs.23,61,250.
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