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2026 Supreme(Online)(Mad) 52582

IN THE HIGH COURT OF JUDICATURE AT MADRAS
C.V.Karthikeyan, K.Rajasekar, JJ
Cholamandalam MS General Insurance Company Limited – Appellant
Versus
Madheswari – Respondent


Advocates:
For the Appellants/Petitioners: M.B.Raghavan, S.Sathiaseelan
For the Respondents: M.B.Raghavan, S.Sathiaseelan

Table of Content
1. factual basis of motor accident claim and initial tribunal proceedings. (Para 1 , 2 , 3 , 4)
2. tribunal reasoning based on section 163a 'no-fault' liability. (Para 5 , 6)
3. assessment of borrower liability as standing in the shoes of the owner. (Para 7 , 8 , 9 , 10 , 11 , 12)
4. rejection of negligence defense in section 163a versus contractual indemnity limitations. (Para 13 , 14 , 15 , 16 , 17)
5. borrower as tortfeasor is precluded from claiming indemnity against the vehicle's insurer. (Para 18 , 19 , 20 , 21 , 22)
6. final appellate order allowing insurer's appeal and dismissing claim petition. (Para 23 , 24)

C.M.A.No. 1614 of 2020

The Cholamandalam MS General Insurance company Limited

No.9, 1st Floor, Rajaji Road

Peramanur, Salem Post and District. ... Appellant/3rd Respondent

Vs

1. Madheswari

W/o. Late Mariyappan

2. Prabhakaran

S/o. Late Mariyappan

3. Minor Ishwarya

D/o. Late Mariyappan

4. Minor vishnupriya

D/o. Late Mariyappan

5. Nadaraj

S/o. Ayyakannu ... Respondents 1 to 5/Petitioners

6. Gumaran

S/o. Gopal

7. V.Renugopal ... Respondents 6 & 7 /Respondents 1 & 2

Prayer: Civil Miscellaneous Appeal filed under Section 173 of the M.V. Act, 1988 against the Judgment and Decr

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