IN THE HIGH COURT OF MEGHALAYA AT SHILLONG
W.Diengdoh, J.
New India Assurance Co. Ltd - Appellant
Versus
Dresilla Mawroh - Respondent
MAC App. No. 1 of 2022, MAC App. No. 2 of 2022, MAC App. No. 3 of 2022
Decided On : 31-05-2023
| Table of Content |
|---|
| 1. factual background of the accident and claims. (Para 3 , 4 , 5 , 6) |
| 2. arguments concerning adherence to natural justice. (Para 7 , 8 , 9 , 10 , 11) |
| 3. discussions on the case law and principles of fraud. (Para 12 , 13 , 14) |
| 4. defense arguments relating to compensation liability. (Para 15 , 16 , 21) |
| 5. legal principles on compensation and fraud defenses. (Para 18 , 36) |
| 6. final analysis and directive for compensation payment. (Para 34 , 37 , 38 , 39) |
JUDGMENT
1. Not being satisfied by the common judgment and order dtd. 30/7/2021 passed by the learned Member, Motor Accident Claim Tribunal, East Khasi Hills District, Shillong in MAC Case Nos. 95, 96 and 97 of 2006 respectively, the appellant/New India Assurance Co. Ltd. has now approached this Court with this appeal, inter alia, with a prayer that the said impugned judgment be set aside or be modified.
2. Since a common judgment and award was passed by the learned MACT, though three separate appeals were filed by the appellant, it would be prudent and convenient for this Court to consider the pleadings and argument of the parties and to pass a common judgment accordingly.
3. Facts admitted by the parties herein is that on 20/4/2006 a motor vehicle accident occurred at about 7.00 pm or so, at a place called Ur -Masi -U -Joh, Smit in the East Khasi Hills District involving a Bus bearing registration No. ML-05-2775.
4. The cause of the said accident was due to rash and negligent driving of the driver of the said bus who, in spite of warnings of the passengers drove the same at a very high speed and on reaching the place of occurrence, the bus overturned and in the process a number of passengers sustained injuries and death also occurred.
5. The husband of Claimant No. 1 in MAC No. 97 of 2006 died as a result of the said accident, while the Claimant in MAC No. 95 of 2006 as well as the Claimant No. 1 in MAC No. 96 of 2006 sustained injuries on their person. These three along with other claimants have accordingly approached the learned MACT seeking award of just compensation for the loss incurred etc.
6. The learned MACT while adjudicating on the claims of the parties herein, having recorded the evidence and on appreciation of the same along with all relevant materials on record, passed the impugned judgment and order awarding compensation of Rs.9, 28, 000.00 to the Claimants in MAC No. 97, Rs.62, 123.00 to the claimants in MAC No. 95 and Rs.42, 806.00 to the claimants in MAC No. 96. The said award also carried an interest of 9% p.a. from the date of filing of the application till 31/1/2020 when the cases were first posted for judgment.
7. Mr. S. Jindal, learned counsel for the appellant/New India Assurance Co. Ltd. has assailed the said impugned judgment and order by raising a preliminary issue of non-adherence to the principle of natural justice by the learned Tribunal inasmuch as in the impugned judgment, at para 17 it is noticed that the learned Tribunal has recorded that the counsels have relied on the written argument filed by them and accordingly, the matter was posted for judgment. However, as far as the appellant is concerned, no written argument was ever filed since it was prayed before the Tribunal for oral submission to be made which fact was ignored in the impugned judgment. It is the submission of the learned counsel that the appellant was not heard before the impugned judgment was passed.
8. It is also submitted that at para 56 of the impugned judgment the learned Tribunal had noticed the earlier order dtd. 25/4/2008 passed in the case wherein on an application for grant of interim relief, the Tribunal has allowed the prayer and has accordingly granted interim relief of Rs.50, 000.00 to the respondent No. 1/claimant in MAC No. 97. However, on an application for review of the same, has accordingly, vide order dtd. 2/9/2008 reviewed the order dtd. 25/4/2008 and has held that the appellant/Insurance Company is not liable to pay interim relief. If the appellan
The insurer is liable for compensation regardless of alleged fraud concerning the insurance policy, which must be proven by the insurer.
An insurer must indemnify third parties for liabilities despite policy violations, but retains the right to recover payments from the vehicle owner.
The insurance company is liable to indemnify the owner in respect of the statutory liability unless the policy is cancelled and intimated to the insured before the accident.
Insurance companies may be required to pay compensation even if the deceased was an unauthorized passenger, with the right to recover from the vehicle owner, reflecting the benevolent intent of the M....
Insurance liability issues in motor accidents should be assessed accurately to ensure claimants receive timely compensation, irrespective of disputes between insurers.
The onus to prove breach of policy conditions is on the insurer, and the scope of coverage under the insurance policy for personal accidental risk is determined by the terms of the contract of insura....
The insurance company remains liable for compensation claims even after the death of the insured, as per Section 155 of the Motor Vehicles Act, 1988, provided the claim arises from an event covered u....
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