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2026 Supreme(Online)(Ker) 21609

IN THE HIGH COURT OF KERALA AT ERNAKULAM
MRS. SHOBA ANNAMMA EAPEN, J
Rathy – Appellant
Versus
United India Insurance Company Ltd – Respondent
MACA NO. 1149 OF 2020 | O.P. (MV) NO. 494 OF 2017



Advocates:
For the Appellants/Petitioners: Shri.A.N.SANTHOSH
For the Respondents: SRI.MATHEWS JACOB (SR.), SHRI.P.JACOB MATHEW

The court emphasized proper assessment and re-evaluation of compensation claims must align with established medical evidence and legal precedents, particularly for disability ratings.

Headnote:(A) Motor Vehicles Act - Compensation for injuries - Claimant, a saleswoman, sustained serious injuries due to a negligent car driver - Initial compensation of ₹3,77,235/- enhanced by ₹1,36,342/- based on re-evaluated notional income and period of hospitalization. Court refixed the notional income to ₹11,000/- and adjusted compensation for loss of earnings, bystander expenses, extra nourishment, loss of amenities, and permanent disability. (Paras 3, 5, 7)

(B) Legal Principles - The quantification of damages must reflect an equitable assessment based on documented evidence - Precedents dictate that disability percentage must be founded on proper medical certifications. The tribunal erred in disregarding the evaluated percentage of disability by the qualified medical expert which was established during the trial. (Paras 5 and 6)

Facts of the case:
The accident occurred on 10.01.2017 involving a scooter and a car due to negligent driving, resulting in the claimant sustaining significant injuries. The tribunal’s award was challenged for inadequacy in the compensation amount.

Findings of Court:
The court modified the tribunal's award, enhancing the total compensation to reflect an appropriate re-evaluation of income and injury-related expenses, providing justice to the claimant.

Issues: The primary questions included the adequacy of the initial compensation, the proper amount for each head of damages based on the claimant's injuries and ongoing needs, including disability.

Ratio Decidendi: The court held that the tribunal’s approach towards compensation disregarded the prevailing legal standards for injury claims, emphasizing that established medical evaluations must drive decisions on disability percentages and income assessments.

Result: Appeal allowed in part, with an additional compensation awarded to the claimant.

Table of Content
1. claimant sustained injuries due to accident (Para 1 , 2 , 3)
2. court's analysis of arguments presented (Para 4)
3. revised compensation guidelines established (Para 5)
4. determination of compensation enhancement (Para 6)
5. final directive on compensation disbursement (Para 7)

JUDGMENT

This appeal is filed by the claimant in O.P. (MV) No.494 of

2017 on the file of the Motor Accidents Claims Tribunal, Irinjalakuda, claiming enhancement of compensation. The respondents herein was the 3rd respondent before the tribunal. 2. According to the claimant, on 10.01.2017 at about 11.30 am, while the claimant was riding a scooter bearing Registration No-45-E-3116, a car bearing registration No.KL-09-X-4120 driven by the 2nd respondent in a rash and negligent manner hit on the scooter. As a result of the accident, she had sustained serious injuries. The claimant approached the tribunal claiming a total compensation of ₹10,00,000/-.

3. The first respondent/owner and second respondent/driver of the offending vehicle remained ex parte before the tribunal. The 3rd respondent/insurer filed a written statement admitting the policy but disputing the quantum of compensation claimed. Before the tribunal, PWs 1 and 2 were examined. Exts.A1 to A14 and Exts.X1 to X3 were marked. The tribunal, after analysing the pleadings and materials on record, awarded a sum of ₹3,77,235/- with interest @ 8% per annum as compensation under various heads against the 3rd respondent/insurer. Dissatisfied with the quantum of compensation awarded by the tribunal, the claimant has come up in appeal.

4. Heard the learned counsel for the appellant/claimant and the learned standing counsel appearing for the respondent/insurer.

5. The learned counsel for the appellant claims enhancement mainly under the following heads:-

Notional income:- The learned counsel for the appellant submitted that the tribunal had taken ₹10,000/- as the income of the injured, who was a sales woman in a textile showroom. It is further submitted that, going by the judgment in Ramachandrappa v. Manager, Royal Sundaram Alliance Insurance Co. Ltd. [2011 (13) SCC 236] , the income of an ordinary worker, for an accident in 2017, is fixed as ₹11,000/- and sought for enhancement of income. Following the judgment in Ramachandrappa (supra), in order to award just and reasonable compensation, I find it appropriate to refix the income at ₹11,000/-.

Loss of earnings:- The tribunal has taken only a period of four months for awarding compensation under the afore head. The claimant sustained injuries including depressed fracture lateral condyle of right knee and multiple laceration wound of neck and chest wall. Considering the nature of injuries sustained, I am inclined to take a period of five months for calculating loss of earnings. Since the monthly income has been re-fixed as ₹11,000/-, the compensation payable for loss of earnings for a period of five months is re-calculated as ₹55,000/- (11,000x5). Since the tribunal has awarded an amount of ₹40,000/- under the afore head, there will be an additional amount of15,000/- towards loss of earnings.

Bystander expenses :- The learned counsel for the appellant submitted that the appellant was treated as an inpatient for 9 days. However, the tribunal had taken only 4 days for awarding compensation under the head bystander expenses. On a perusal of the award, particularly paragraph 14, it is seen that the tribunal had, in fact, taken the period of inpatient treatment as 9 days. However, while computing the compensation, the tribunal appears to have mistakenly taken the period of inpatient treatment as 4 days. Considering that the accident is of the year 2017, I find it appropriate to fix ₹500/- per day towards bystander expenses. Therefore, the total amount payable under the said head would come to ₹4,500/- (500x9). The tribunal has already awarded an amount of ₹1,200/- under the said head. Thus, there will be an additional amount of3,300/- under the hea

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