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2025 Supreme(Mad) 3588

IN THE HIGH COURT OF JUDICATURE AT MADRAS 
J. Nisha Banu, R.Sakthivel, JJ.
Reliance General Insurance Co. Ltd. - Appellant
Versus
R. Nagappan and ors. - Respondents
C.M.A.No.1305 of 2023 C.M.P.No.13044 of 2023 and Cros.Obj.No.77 of 2023
Decided On : 19-02-2025


Advocates:
Advocate Appeared:
For the Appellant : Mr. R.Sunilkumar
For the Respondent: Mr. Amar Dineshbhai Pandiya

Disability assessments in compensation claims must adhere to statutory requirements, and compensation should accurately reflect the injuries sustained.

Headnote:(A) Motor Vehicles Act, 1988 - Sections 166 and 168 - Compensation for injuries sustained in a motor accident - The Tribunal awarded Rs.52,54,500/- for various heads including disability and medical expenses, which was contested by the Insurance Company for being excessive and improperly assessed - The court found that the accident was due to the rash and negligent driving of the first respondent’s driver and that the insurance policy covered the occupants of the car. (Paras 6, 7, 14, 19)

(B) Disability Assessment - The court emphasized that disability certificates must be obtained from the District Medical Boards as per statutory requirements, and the Tribunal's reliance on an individual doctor's assessment was improper. (Paras 15, 16)

(C) Compensation Adjustment - The court modified the compensation awarded, removing certain heads and adjusting the total to Rs.47,04,500/- while maintaining the award for disability. (Paras 18, 19)

Facts of the case:
The petitioner was injured in a car accident on March 23, 2014, while traveling as an occupant. He claimed compensation for grievous injuries sustained due to the negligent driving of the car's driver. The Tribunal initially awarded Rs.52,54,500/-, which was contested by the Insurance Company.

Findings of Court:
The court upheld the Tribunal's finding of negligence but reduced the compensation amount to Rs.47,04,500/- after reassessing certain heads of compensation.

Issues: The main issues included the validity of the disability assessment and the appropriateness of the compensation amount awarded.

Ratio Decidendi: The court ruled that the disability assessment must comply with statutory requirements and that the compensation awarded should reflect the actual injuries and their impact on the petitioner’s life.

Result: The C.M.A.No.1305 of 2023 filed by the insurance company is partly allowed. Cross Objection No.77 of 2023 preferred by the Injured is dismissed.

JUDGMENT :

R. SAKTHIVEL, J.

Feeling aggrieved by the Award dated April 12, 2022 passed by the 'Motor Accidents Claims Tribunal, Chennai (IV Court of Small Causes, Chennai)' ['Tribunal' for short] in M.C.O.P.No.4292 of 2014, the second respondent therein / Insurance Company has preferred C.M.A.No.1305 of 2023 praying to set aside the Award, while the petitioner therein has preferred Cross Objection No.77 of 2023 praying to enhance the compensation. This Common Judgment will now decide both, the Civil Miscellaneous Appeal and the Cross Objection.

2. For the sake of convenience, hereinafter, the parties will be referred to as per their array in the Motor Accident Claim Original Petition.

Petitioner's case:

3. On March 23, 2014 at about 09.00 a.m., while the petitioner was travelling as an occupant in a car bearing Registration No. TN-21-AY-1697 on Chithamoor to Maduranthagam Road near Nethapakkam Aattai Company, the driver of the car drove it in a rash and negligent manner endangering the public safety, and suddenly applied the brakes. As a result, the car capsized. The petitioner sustained grievous injuries. At the time of accident, the petitioner was aged about 30 years and was a Mason by profession earning a sum of Rs.600/- per day. According to the petitioner, the accident occurred only due to the rash and negligent driving of the driver of the car. The 1st respondent is the owner of the car involved in the accident, while the 2nd respondent is its insurer vide Policy No.C1212532311000032 with validly for the period from June 13, 2013 to June 12, 2014 i.e., it was valid on the date of accident. Hence, both the respondents are liable to pay compensation to the petitioner. Accordingly, the petitioner filed the Claim Petition before the Tribunal seeking compensation of Rs.98,00,000/- (Rupees Ninety-Eight Lakhs only) along with interest and costs.

First Respondent :

4. The 1st respondent being the owner of the said car remained absent before Tribunal and therefore, he was called absent and set ex-parte.

Second Respondent's case :

5. The second respondent – Insurance Company filed a counter merely denying all the petition averments. The age, income and occupation of the petitioner were denied. It was further denied that the 1st respondent's Driver had a valid driving license and his car was insured with the 2nd respondent at the time of accident. The claim of the petitioner was stoutly opposed as excessive. In short, the Counter is nothing more than a formal denial, seeking dismissal of the Claim Petition.

Tribunal :

6. The instant Claim Petition in M.C.O.P. No.4292 of 2014 was tried jointly with M.C.O.P. Nos.4291 and 4293 of 2014 as they all arise out of one and the same accident. At trial, on the side of the petitioner in the instant Claim Petition, the petitioner himself was examined as P.W.3 and Ex-P.16 to Ex-P.26 were marked. Neither any witness was examined nor any document was marked on the side of the second respondent.

7. The Tribunal, after analysing the oral and documentary evidence adduced before it, held that the accident occurred due to the rash and negligence on the part of first respondent’s driver and that first respondent’s car was insured with second respondent. Accordingly, the Tribunal partly allowed the Claim Petition, held the 2nd respondent liable to pay compensation to the petitioner and awarded compensation as hereunder:

Sl.No.HeadAmount
1DisabilityRs.36,28,800.00
2Medical ExpensesRs.24,709.00
3Future Medical ExpensesRs.50,000.00
4Pain and SufferingRs.3,00,000.00
5Loss of Marital Pleasure to WifeRs.2,00,000.00
6Transportation ExpensesRs.50,000.00
7Additional NourishmentRs.2,00,000.00
8Damages to ClothesRs.1,000.00
9Attender ChargesRs.4,00,000.00
10Loss of AmenitiesRs.2,00,000.00
11Mental AgonyRs.2,00,000.00
TotalRs.52,54,509.00
Rounded offRs.52,54,500.00

8. Feeling aggrieved by the said Award, the second respondent – Insurance Company has preferred the Civil Miscellaneous Appeal.

9. Dissatisfied with the Award amount, the petitioner

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