IN THE HIGH COURT OF MADHYA PRADESH
G.S. Ahluwalia, J.
The New India Insurance Company Limited v. Gyanwati
Miscellaneous Appeal No. 2668 of 2021 (J); Decided on 10.4.2023
Moter Vehicle Act, 1988 -- S.163A -- liability of insurance company -- sought to be fixed at Rs. 1,00,000/- only on ground that deceased stepped into shoes of owner of vehicle -- deceased was going on motorcycle of insurer -- death by falling down from motorcycle -- suggestion given by insurance company that deceased was going in connection with work of insurer -- binding on insurance company -- borrowing of vehicle not established -- deceased did not step into shoes of owner -- held to be third party -- compensation rightly awarded -- appeal dismissed. (2012) 2 SCC D 6675, (2020) 2 SCC 550 and Cr. A. No. 1910 of 2010 decided on 29.3.2023 followed. [Paras 6, 10 & 12]
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JUDGMENT
1. This miscellaneous appeal under section 173 (1) of the Motor Vehicles Act, 1988 has been filed against the award dated 16.8.2021 passed by First Additional Motor Accident Claims Tribunal, Lakhnadaun, District seoni in M.A.C.C. No.14/2017.
2. According to the Claimants, on 24.12.2016 the deceased Krishnakumar was going from Gotegaon to his house on motorcycle bearing Registration No. MP-22-MB-2953. He himself was driving. When he reached near culvert of Shyamnagar, Village Bandarjhiriya, he fell down in the pit as there was no sign of danger, accordingly, he suffered head injury and died on the spot. The respondent No. 4 was the registered owner of the offending vehicle.
3. It is the case of the appellant that according to the claimants the deceased was driving the motor cycle of the insurer and, therefore, he stepped into the shoes of the owner and the liability of the Insurance Company will be to the extent of Rs.1,00.000/- only. To buttress his contention, the counsel for the appellant relied upon by the judgment passed by the Supreme Court in the case of Ramkhiladi and Another v. United India Insurance Company and Another, reported in (2020) 2 SCC 550.
4. On the contrary, the counsel for the respondent Nos. 1 and 2 has supported the award passed by the Claims Tribunal and submits that in fact the deceased was going for the work of the owner and, therefore, he will not step into the shoes of the owner.
5. Considered the submissions made by the counsel for the parties.
6. The claimants in the Claim Petition which was filed before the Claims Tribunal under section 163-A of the Motor Vehicles Act have specifically stated that on 24.12.2016, the deceased had gone to the family of his relatives and on 25.12.2016 at about 07:00 am, he was coming back on a motorcycle bearing Registration No. MP-22-MB2953 and because of a pit in the mid of the road, he fell down and suffered head injury which resulted in his death.
7. Gyanwati (A.W.-1) has also stated the same fact in her affidavit filed under Order 18 rule 4 of C.P.C. However, in cross-examination by the counsel for the appellant, a suggestion was given that the husband of this witness was going on the motorcycle of the registered owner in connection with the work of registered owner. This suggestion was accepted by the witness.
8. Once, a suggestion is given by the appellant himself that the deceased was going on the motorcycle of the registered owner in connection with the work of the registered owner, then the appellant is bound by such suggestion.
9. The Supreme Court in the case of Balu Sudam Khalde and Another v. The State of Maharastra by judgment dated 29.3.2023 passed in Cr.A.No.1910/2010 has held that the suggestion made by the defence counsel to a witness in the cross-examination, if found to be incriminating in nature in any manner, would definitely bind the accused and the accused cannot get away on the plea that his counsel had no implied authority to make suggestions in the nature of admissions against his client.
10. Once, the counsel for the appellant himself has given a suggestion that the deceased was going on the motorcycle of the insurer in connection with the work of the insurer, then the said suggestion is binding on the appellant. The Claims Tribunal has rightly held that the appellant has failed to prove that the deceased had stepped into the shoes of the owner.
11. The Supreme Court in the case of National Insurance Company Limited v. Sinitha and Others, reported in (2012) 2 SCCD 6675 has held as under :--
“19. To substantiate his second contention, it would be essential for the petitioner to establish, that Shijo having occupied the shoes of the owner, cannot be treated as the third party. Only factual details brought on record through reliable evidence, can discharge the aforesaid onus. During the course of hearing, despite our queries, learned counsel for the petitioner could not point out the relationship between Shijo and the owner of the motorc
Liability of the insurer under Section 140 M.V Act is limited to indemnifying the insured, and when the accident is caused by the negligent riding of the vehicle by the driver with the owner's permis....
Liability of the insurance company under Section 163A of the Motor Vehicle Act, 1988 is determined by the principle of no fault liability and the terms and conditions of the insurance policy.
A claimant who is a permissive user of a vehicle cannot maintain a compensation claim against the owner or insurer under Section 163A of the Motor Vehicles Act.
A borrower authorized to drive a vehicle steps into the shoes of the owner, entitling the claimants to the personal accident cover provided in the insurance policy, even if the primary claim petition....
A tortfeasor cannot claim compensation under Section 163A of the Motor Vehicles Act against the owner/insurer of the vehicle they were operating.
A vehicle owner cannot file a compensation claim under Section 163A of the Motor Vehicles Act for injuries sustained while using their own vehicle.
A borrower of a vehicle, in the event of an accident, steps into the shoes of the owner and cannot claim compensation as a third party under Section 163-A of the Motor Vehicles Act, 1988.
A borrower of a vehicle steps into the shoes of the owner, disqualifying their legal heirs from claiming compensation against the insurance company.
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