104 IN THE HIGH COURT OF PUNJAB AND HARYANA AT CHANDIGARH FAO-234-2005 Date of Decision:18.05.2026 SURINDER KUMAR GUPTA .....APPELLANT VERSUS NEELAM SOOD AND ORS. .....RESPONDENTS CORAM:- HON'BLE MR. JUSTICE YASHVIR SINGH RATHOR Present:- Mr. Shrey Sachdeva, Advocate for the appellant.

Mr. Suvir Dewan, Advocate for respondent No.3-Insurance Company.

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YASHVIR SINGH RATHOR, J. (ORAL)

1. This appeal has been instituted by the owner/appellant against the Award dated 06.10.2004 vide which a sum of Rs.1,49,200/- has been awarded as compensation to claimants/respondents on account of death of Netika Sood in an accident. However, the Insurance Company has been exonerated from its liability to indemnify the insured on the ground that the driver possessed fake driving licences and the insured had violated the terms and conditions of the insurance policy. The Insurance Company was directed to pay the awarded amount to the claimants but was given the right to recover the same from the appellant/insured/owner.

2. I have heard learned counsel for the appellant as well as respondent No.3 and have gone through the material on the file.

3. It is pertinent to mention that the record of the present app