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2026 Supreme(Online)(Mad) 33497

IN THE HIGH COURT OF JUDICATURE AT MADRAS
C.V. Karthikeyan, K. Rajasekar, JJ
Royal Sundaram Alliance Insurance Co. Ltd. – Appellant
Versus
Sridevi – Respondent
CMA No.734 of 2022 | M.C.O.P.No.905 of 2019



Advocates:
For the Appellants/Petitioners: Mr.G.Vasudevan
For the Respondents: Mr.S.P.Yuvaraj for R1 and R2

Insurer's contributory negligence plea rejected absent evidence; Tribunal's compensation calculation upheld as just and reasoned.

Headnote:The claimants filed a petition under motor accident compensation laws seeking Rs.40 lakhs for the death of the 25-year-old deceased, sole breadwinner earning Rs.25,000 monthly, caused by collision with a stationary lorry driven rashly and negligently. Tribunal awarded Rs.36,24,084 based on income tax returns (Ex.P-20), deducting personal expenses, adding future prospects (40%), multiplier '18', and conventional heads. Court upheld no contributory negligence by deceased due to lack of insurer evidence. Issues framed: Whether lorry driver’s sudden stop caused accident or deceased’s high speed without helmet contributed; liability of insurer. Ratio: Eye-witness (P.W.2), MVI report (Ex.P-5) supported claimants; insurer failed to produce charge sheet or independent witnesses, rejecting contributory negligence (paras 10-11). Courts must grant just, liberal relief to victims without disproportionate awards (para 12). Appeal dismissed, Tribunal’s order affirmed; compensation of Rs.36,24,084 upheld with no costs.

Table of Content
1. facts of fatal motorcycle-lorry collision and tribunal award (Para 1 , 2 , 3 , 4 , 5 , 6)
2. insurer contests negligence; claimants defend order (Para 8 , 9)
3. claimants' evidence prevails over insurer's lack thereof (Para 10 , 11)
4. just compensation principles and calculation upheld (Para 12 , 13)

This appeal had been filed questioning the order, dated 26.04.2021, passed in M.C.O.P.No.905 of 2019 by the Motor Accident Claims Tribunal (Special District Court for Motor Accident Claims Cases), Krishnagiri.

2. In the Claim Petition, it had been stated by the petitioners/claimants, who are respondents 1 and 2 herein, that the deceased - Pradeep was returning to Bargur from Krishnagiri on 16.10.2018 on his two wheeler – Bajaj Pulsar, bearing Registration No.TN-24-AL-2045 at about 23.00 hours. At that time, the vehicle of the first respondent - lorry bearing Registration No.TN-88-C-8485 driven by its driver suddenly stopped and the deceased dashed the motorcycle against the said lorry, due to which the deceased sustained grievous injuries and died on the spot. It was stated that the deceased was aged 25 years at the time of the accident and earning Rs.25,000/- per month. It was further stated that the deceased was the sole bread winner of the family. Due to the said accident, the Claim Petition was filed by the mother and the sister of the deceased, claiming a compensation of Rs.40.00 lakhs.

3. Respondents 1 and 2 in the Claim Petition, who were driver and owner of the lorry, Respondents 3 and 4 herein, remained ex parte.

4. The third respondent-Insurance Company, appellant herein, had filed a counter affidavit, denying the averments made in the petition and contending that the deceased was riding his vehicle without wearing helmet in a rash and negligent manner at a high speed and hit behind the lorry going ahead, due to which he fell down from his vehicle and caused the accident on his own. It was contended that the insurer was not liable to pay any compensation.

5. During the course of trial, on behalf of the petitioners/claimants, the first petitioner/claimant examined herself as P.W.1 and two other witnesses, namely, an eye-witness and Inspector of Income Tax Department, Krishnagiri, were examined as P.Ws.2 and 3. 20 documents, namely, Exs.P-1 to P-20 were marked on behalf of the petitioners. On the side of the respondents, the driver of the lorry, namely, Ramaraj was examined as R.W.1 and one document –

Ex.R-1, driving licence of lorry driver, was marked.

6. The Tribunal, based on the evidence, both oral and documentary, allowed the petition in part, awarding a sum of Rs.36,24,084/- to the petitioners/claimants as compensation, as against the claim of Rs.40.00 lakhs.

7. In this appeal, it has been primarily contended by the appellant –

insurer that the deceased was driving his motorcycle at a high speed and he was also responsible for the accident and, therefore, the company is not liable for fastening liability. The bottom line of the contention is that the deceased should have maintained proper distance between the vehicles and, therefore, at least, contributory negligence ought to have been fixed on the deceased.

8. The respondents-claimants, on the other hand, would contend that the order of the trial Court was well reasoned and, therefore, it does not require any interference by this Court.

9. We have heard the learned counsel for the parties and also gone through the records, coupled with the order impugned herein.

10. The first claimant examined herself as P.W.1 and narrated the events, which led to the accident. She also deposed in line with the contents of the petition. It was her strong case that the accident occurred due to rash and negligent driving of the lorry, by its driver. In addition to examining herself, the claimant also examined an eye-witness as P.W.2, who, in his evidence, fully fortified the case of the claimants as to the occurrence of the accident in the manner stated by the claimants. Ex.P-5,

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