JUDGMENT :

1. This appeal is preferred by the appellant-insurance company, questioning the Order and Decree of the Motor Accident Claims Tribunal-cum-III Additional District Judge, Karimnagar (for short, the Tribunal) in O.P.No.337 of 2001, dated 09-12-2002.

2. The brief facts of the case are that on 29-06-1995 in the morning hours, respondent No.1/claimant came to bus stage of Medaram to go to Karimnagar with her three gunny bags of onions to sell the same at Karimnagar market. While respondent No.1 was waiting at Medaram bus stage, at about 8.00 am., one oil tanker bearing No.AP36T 1661, going towards Karimnagar side, stopped and driver of the tanker offered the claimant and others to board the same on payment of fare. Accordingly, respondent No.1 and other boarded the oil tanker. When it reached near Mallapur, the driver of the tanker drove it in a high speed and in a rash and negligent manner, as a result, the tanker turned turtle, due to which, respondent No.1 and other sustained grievous injuries and her left hand was completely cut-off up to arm level. Respondent No.1 filed the aforesaid OP against driver and owner of the tanker (respondent Nos.2 and 3 herein) and also insurer