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
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. | Head | Amount |
| 1 | Disability | Rs.36,28,800.00 |
| 2 | Medical Expenses | Rs.24,709.00 |
| 3 | Future Medical Expenses | Rs.50,000.00 |
| 4 | Pain and Suffering | Rs.3,00,000.00 |
| 5 | Loss of Marital Pleasure to Wife | Rs.2,00,000.00 |
| 6 | Transportation Expenses | Rs.50,000.00 |
| 7 | Additional Nourishment | Rs.2,00,000.00 |
| 8 | Damages to Clothes | Rs.1,000.00 |
| 9 | Attender Charges | Rs.4,00,000.00 |
| 10 | Loss of Amenities | Rs.2,00,000.00 |
| 11 | Mental Agony | Rs.2,00,000.00 |
| Total | Rs.52,54,509.00 | |
| Rounded off | Rs.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
Disability assessments in compensation claims must adhere to statutory requirements, and compensation should accurately reflect the injuries sustained.
The insurance company is liable to pay compensation for damages caused by a driver’s negligence, even if the driver lacked a valid license.
The comprehensive motor insurance policy covers pillion riders, and compensation awarded must reflect just and reasonable estimates, including future medical needs.
The court upheld the principle of contributory negligence while enhancing compensation based on the severity of injuries and loss of earning capacity, applying the multiplier method for calculation.
The court upheld the Tribunal's compensation calculation for a motor accident victim, emphasizing the application of the multiplier method and future prospects in determining loss of income due to di....
The court established that proper medical evidence is crucial in assessing disability for compensation claims under the Motor Vehicles Act.
Assessment of damages under the Motor Vehicles Act, 1988.
The main legal point established in the judgment is the court's authority to modify the compensation awarded by the Tribunal based on the reasonableness of the assessment of disability, medical expen....
Assessment of evidence and liability for the accident based on the Motor Vehicles Act 1988, Section 173.
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