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2024 Supreme(Online)(Bom) 3221

BOMBAY HIGH COURT
SHIVKUMAR DIGE, J
RELIANCE GENERAL INSURANCE COMPANY LIMITED MUMBAI – Appellant
Versus
SATISH KRISHNA BHAT (DELETED) AND ORS. – Respondent
FA 87 / 2021



The deceased, driving the motorcycle, is not considered a third party under the Insurance Policy, entitling claimants to compensation.

Headnote:(A) Insurance Policy - Compulsory Personal Accident Cover - The deceased was driving a motorcycle at the time of the accident and was not considered a third party under the Insurance Policy. The Tribunal awarded compensation based on the policy's terms and premium paid. (Paras 1-5)

(B) Appeal - The court upheld the Tribunal's decision, stating that there was no infirmity in the awarded compensation of Rs.1,00,000/- as the owner had paid the required premium. (Paras 5-6)

Facts of the case:
The deceased was involved in a motorcycle accident caused by an unknown vehicle. The Tribunal found the deceased was not a third party under the Insurance Policy.

Findings of Court:
The Tribunal's decision to award Rs.1,00,000/- was upheld.

Issues: Whether the deceased could be classified as a third party under the Insurance Policy.

Ratio Decidendi: The court ruled that since the deceased was driving the motorcycle and the premium was paid, the claimants were entitled to compensation.

Result: Appeal dismissed.

Oral Judgment. :

1. The issue involved in this appeal is deceased cannot be termed as a third party.

2. It is contention of learned counsel for the Appellant that at the relevant time, deceased was driving a motorcycle of Original Respondent No.1 therefore, deceased cannot be termed as a third party under the Insurance Policy but this fact is not considered by the tribunal hence, requested to allow the Appeal.

3. It is contention of learned counsel for the Respondents/Claimants that the motorcycle hit by unknown vehicle and the rider of motorcycle i.e deceased applied breaks because of it motorcycle turned turtle and he sustained fatal injuries. Learned counsel further submitted that the Original Opponent No.1 and owner of the motorcycle had deposited Rs. 50/- with Appellant/Insurance Company as a premium of Insurance Policy. The Tribunal has considered all the aspects on that basis order is passed hence, no interference is required in it.

4. I have heard both learned counsel. Perused judgment and order passed by the Motor Accident Claims Tribunal, Ichalkaranji (for short “the Tribunal”).

5. It is contention of the learned counsel for the Appellant that at the relevant time, deceased was driving a motorcycle of Original Respondent No.1, therefore, the deceased cannot be termed as a third party. While dealing with this issue, the Tribunal has observed that in the Insurance Policy at Exhibit-42. It is mentioned that compulsory PA covers for owner-driver of CSI 1,00,000 (IMT-15) and accordingly Original Opponent no.1 deposited Rs.50/- with Appellant/Insurance Company therefore, as per view of this Court in case of D.M. vs. Vijaya reported in 2019 (1) TAC 18 (Bom.). The Claimants are entitled for compensation of Rs.1,00,000/-. I do not find infirmity in it. As in present case, the owner of the motorcycle had paid the premium of Rs.50/- and accordingly the Tribunal has awarded Rs.1,00,000/- amount as a compensation.

6. In view of above, I pass following order.

ORDER

i. Appeal is dismissed.

ii. The claimants are permitted to withdraw the deposited amount along with accrued interest thereon.

iii. The statutory amount be transmitted to the Tribunal along with accrued interest thereon. The parties are at liberty to withdraw it, as per Rule.

7. All pending applications stand disposed of.

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