K. Kannan, J.

FAO-2458-2005

1. FAO-2458-2005 and FAO-3268-2005 are at the instance of a driver of the car, who was not himself owner or a paid driver and at the instance of a passenger of the car, respectively. The policy was a comprehensive policy and the driver dashed against a culvert, alleged to have been blinded by the headlights of the vehicles coming from the opposite direction. The claimant has stated that he was an income tax assessee and he has still approached the Tribunal under Section 163-A of the Motor Vehicles Act (for short 'the Act') for claim to compensation. The Insurance Company has contested the claim as not competent being outside the scale of entitlement for claimants under Section 163-A of the Act and it is also contended that a borrower of the vehicle, who has himself contributed to the accident, would have no claim under Section 163-A of the Act, both these objections have been held against the insurer and hence, the insurer is in appeal in both the cases.

2. It has been held in Deepak Girishbhai Soni v. United India Insurance Company Ltd., Baroda, (2004) 5 SCC 385 that the benefit of the Section 163-A of the Act in Schedule 2 could apply only to pe