IN THE HIGH COURT OF PUNJAB AND HARYANA AT CHANDIGARH
RITU TAGORE, J.
National Insurance Company Ltd. – Appellant
Versus
Kirpal Kaur & Ors. – Respondents
FAO-3350 of 2016 (O&M)
Decided On : 09-02-2023
| Table of Content |
|---|
| 1. accidental details and compensation claim (Para 1 , 2 , 3 , 4) |
| 2. defendants' denial and counterclaims (Para 5 , 6) |
| 3. tribunal's findings and responsibility (Para 7 , 8) |
| 4. procedural overview of the appeal (Para 10 , 11) |
| 5. arguments presented by appellants and respondents (Para 12 , 13) |
| 6. definition of learner's license (Para 14 , 15) |
| 7. validity and conditions of learner's license (Para 16 , 18) |
| 8. wilful breach and insurer's liability (Para 19 , 22) |
| 9. court's decision on recovery rights (Para 20 , 23) |
| 10. conclusion and order of the court (Para 24 , 25 , 26) |
JUDGMENT
Ritu Tagore, J.
Appellant-Insurance company has filed an appeal against the award dated 07.12.2015 passed by the learned Motor Accident Claims Tribunal, Ludhiana, seeking a grant of recovery rights.
2. On 09.01.2014 at 5.15 p.m, the deceased S. Jagir Singh and his brother S. Tarlok Singh (PW-3) were going towards Focal Point Markfed, Khanna on their respective bicycles, when they reached in front of Police Station Sadar, Khanna, respondent No.1 came from Khanna side driving his motor-cycle bearing registration No.PB-08-CL-5827 (the offending vehicle) rashly and negligently and crashed into the bicycle of S. Jagir Singh (since deceased), who received multiple injuries that resulted in his death at the spot.
3. On 11.01.2014, FIR No.09 under Sections 279 , 337, 338 and 427 IPC was registered at Police Station City Khanna on the statement of S. Tarlok Singh (PW-3), an eye-witness to the accident.
4. The widow and unmarried children of the deceased filed a claim petition under section 166 of the MOTOR VEHICLES ACT , 1988 before the Tribunal, praying for a compensation of Rs.15,00,000/- (Rs.Fifteen lakhs) along with interest from the date of accident till date of realization, on the ground that the deceased was working as a Supervisor with M/s Barson Cycle Spare Parts, Factory Sirhind Road, Khanna and was earning Rs.10,000/- per month. The claimants solely depended on the income of the deceased for their livelihood.
5. Respondent No.1 (driver-cum-owner) filed a written statement wherein he denied having caused the accident. He pleaded he was riding the motorcycle at a very low speed with his wife and two minor children on the pillion ride, just behind the cycle of the deceased and that no other person was accompanying the deceased. He submitted that, a car which was being driven rashly and negligently came from behind and collided with his motorcycle, leading to his motorcycle hitting the cycle of the deceased and making him, his wife and children fall down and sustain injuries. He asserted the accident happened because of negligent driving of the unknown car driver and he has been falsely implicated in the case. He further averred that respondent No.2, the insurer of the vehicle, is liable for paying the compensation and prayed for dismissal of petition.
6. Respondent No.2 filed a separate written statement and averred that the petition has been filed on false facts in collusion with the respondent No.1. Further, claimed that the vehicle was being driven by the owner in violation of the terms and conditions of the insurance policy and without a valid and effective driving licence. The insured committed wilful default upon breach of terms of the insurance policy. With the aforesaid averments, pleaded for the dismissal of petition.
7. Based on pleadings of the parties, the Tribunal framed the following issues :-
National Insurance Company Limited v. Swaran Singh (2004) 3 SCC 297
A learner's licence is valid but must comply with specific conditions, including being accompanied by a qualified instructor while driving a motorcycle.
A learner's license holder must be accompanied by a qualified instructor while driving a motorcycle, as per Rule 3 of the Central Motor Vehicles Rules, 1989.
The insurer must prove a breach of policy conditions by the insured to avoid liability; mere invalidity of a driving license does not absolve the insurer from responsibility.
A learner's license does not preclude insurance liability if the driver is accompanied by a licensed instructor, and the insurer must prove policy violations to avoid liability.
Section 149(2) deals with insurer's right to defend an action on account of breach of policy condition.
The main legal point established in the judgment is the principle of 'pay and recover' in case of third-party risks and the requirement for the insurer to prove the driver's lack of a valid driving l....
Point of Law : Any person drives or rides a vehicle without satisfying the conditions in the learner's licence in compliance of Rule 3 (b) of the Central Motor Vehicles Rules, 1989 without accompanyi....
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