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2026 Supreme(Online)(Ker) 24547

IN THE HIGH COURT OF KERALA AT ERNAKULAM
M.B. SNEHALATHA, J
TATA AIG GENERAL INSURANCE COMPANY LTD – Appellant
Versus
MUBASHIRA W/O.LATE ABDUL JABBAR T. – Respondent
MACA NO. 986 OF 2018 | OPMV NO.737 OF 2014



Advocates:
For the Appellants/Petitioners: SRI.GEORGE CHERIAN (SR.), SMT.LATHA SUSAN CHERIAN, SMT.K.S.SANTHI
For the Respondents: SRI.J.R.PREM NAVAZ, SRI.P.T.SHEEJISH

The court found the insurance company liable due to negligent parking of the lorry leading to the victim's death, modifying compensation to ₹29,44,486/- with interest.

Headnote:(A) Motor Vehicles Act, 1988 - Sections 140 and 166 - Appeal against the award of compensation - Insurance company contested the liability alleging contributory negligence by the victim. - Court found that the accident was due to the negligent parking of a goods lorry, leading to the death of the victim, which established the liability of the insurance. (Paras 2, 6, 10, 11)

(B) Compensation Quantum - Tribunal awarded ₹34,46,400/- which was modified to ₹29,44,486/-. The court added 50% for future prospects. The deduction of 1/3rd for personal expenses was held appropriate due to the victim’s limited dependents (wife, minor daughter, and mother). Loss of consortium consolidated with other heads. (Paras 12, 15, 17, 21)

Facts of the case:
The victim died following injuries from an accident on 19.01.2013 involving a motorcycle and a negligently parked lorry. The driver of the lorry contested negligence. The insurance company argued the accident's cause was primarily due to the victim's negligence. (Paras 2, 4)

Findings of Court:
The accident resulted from the negligent parking of the lorry, and the delay in registering the police case did not negate the claim. Compensation was modified based on the proper assessment of dependency and future prospects. (Paras 8, 15)

Issues: The issues were focused on the determination of negligence, the adequacy of damages awarded by the Tribunal, and the apportionment of award amounts. (Paras 6, 11)

Ratio Decidendi: Liability was established on the basis of negligent conduct attributed to the lorry driver. Compensation should be justly aligned to the victim’s income and family dependency. (Paras 8-10, 12, 15)

Result: MACA allowed in part; compensation modified to ₹29,44,486/- with interest. (Paras 21-22)

Table of Content
1. facts of the case and incident. (Para 1 , 2)
2. arguments from the parties regarding negligence. (Para 3 , 4 , 7 , 8)
3. court's observations on the evidence and finding. (Para 5 , 6 , 9 , 10 , 14 , 15)
4. computation of compensation. (Para 11 , 12 , 13 , 17 , 18 , 19)
5. final decision and order. (Para 22 , 23)

JUDGMENT

This appeal is filed by the 2nd respondent insurance company in OP(MV).No.737/2014 on the file of the Motor Accidents Claims Tribunal, Tirur, challenging the award passed by the said Tribunal.

2. The claimants filed the O.P seeking compensation under Sections 140 & 166 of the Motor Vehicles Act , stating that on 19.01.2013 at about 5.10 a.m, while the victim Abdul Jabbar was riding a motorcycle bearing registration No.KL-55-J-7616 and when it reached near Mannoor Juma Masjid, it dashed on a goods lorry bearing registration No.MH-50-2979 loaded with pipes, which was carelessly parked on the road without any signal and parking light so as to endanger human life. As a result of the accident, the victim sustained serious injuries. Though he was taken to hospital and undergone treatment, he succumbed to the injuries on 17.05.2013. The accident occurred due to the rash and negligent parking of the lorry by the 1st respondent in the O.P, who was the owner cum driver of the lorry. Appellant herein is the insurer of the said lorry.

3. R1 in the O.P, namely the driver cum owner of the lorry admitted the ownership of the lorry, but he denied any negligence on his part. It was contended by R1 that at the time of accident, the lorry was parked on the side of the road margin giving signal and its parking lights had not been turned off. He denied the case of the claimants that pipes loaded in the lorry were projecting outside and contended that the accident occurred due to the negligence of the victim. It was also stated that the lorry had valid insurance coverage with R2 in the O.P.

4. The insurance company admitted the existence of a valid insurance policy for the lorry bearing registration No.MH-50- 2979, but contended that the accident occurred due to the negligence of the victim. The lorry had been parked on the side of the road and it was not a “No Parking Zone” and its parking lights had not been not turned off. The carelessness of the deceased caused the accident. The police did not register any case on the date of the accident. In the charge sheet filed by the police, no offence under Section 279 IPC has been alleged. There was no insurance coverage for the motorcycle ridden by the victim. It was also contended by the insurance company that, the amount claimed by the claimants are exorbitant.

5. Before the Tribunal, PW1 and PW2 were examined on the side of the claimants and Exts.A1 to A21 marked. No evidence was adduced by the respondents in the O.P.

6. After trial, the learned Tribunal found that the accident occurred due to the negligent parking of the lorry by the lorry driver. The Tribunal directed the insurance company to pay compensation of Rs.34,46,400/- to the claimants with interest at the rate of 7% per annum from the date of petition together with cost.

7. The insurance company assails the award of the Tribunal on the ground that there was no negligence on the part of the lorry driver; that the lorry was parked on the side of the road and it was only due to the negligence and carelessness of the victim that the motorcycle ridden by him dashed against the parked lorry. The learned counsel for the appellant/insurance company pointed out that there was a delay of 5 months in registering the case against the lorry driver and according to the learned counsel, the registration of the crime against the lorry driver after a period of five months of the accident was the result of an after thought.

8. Per contra, the learned counsel for the claimants contended that the lorry was parked on the road in an unsafe manner without any signal or parking light and the iron pipes loaded in the lorry were protrudi

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