This appeal has been filed by the owner against the award of Motor Accident Claims Tribunal, Banda dated 5.11.1999, in Motor Accident Claim Petition No. 15/70 of 1992, whereby the Tribunal has made an award of compensation of Rs. 1,81,908/- together with 12% interest arising from the injuries received by the claimant Chandra Pal Karwariya in a motor accident that occurred on 07.11.1991 at about 3 p.m. Therein two three wheeler Tempo bearing registration nos. UGJ-5262 (hereinafter referred to as the insured vehicle), owned by the present appellant and insured by the United India Insurance Co. Ltd. (respondent no.5) collided with another three wheeler Tempo bearing registration no. CPV-8968.

2. The claimant was travelling in the insured vehicle. In that accident, he lost his left hand (above the elbow) as a result of injuries suffered by him. The Tribunal framed four issues including the first issue as to the negligence a cause of the accident. In respect of that issue, it was noted, while the claimant impleaded the appellant as owner of the insured vehicle as also others including Umesh alias Baura and one Bhupat son of Pyarey Lal of the insured vehicle.

3. The owner appe