Abdul Rahman Sebli FCJ:

[1] There were eight appeals heard together before us, namely:

1. Appeal No 02(F)-75-10/2019(W) between Amgeneral Insurance Berhad v. Sa' Amran Atan & 2 Ors;

2. Appeal No 02(F)-90-11/2019(W) between Pacific & Orient Insurance Co Berhad v. Mohamad Rafiq Muiz Ahmad Hanipah;

3. Appeal No 02(F)-97-12-2019(W) between Jesudas Palanisamy v. Pacific & Orient Insurance Co Berhad;

4. Appeal No 02(F)-05-01/2020(W) between Mohamad Zulkarnain Mustafa v. Allianz General Insurance Company (M) Bhd & 2 Ors;

5. Appeal No 02(F)-08-01/2020(B) between Malaysian Motor Insurance Pool v. Aqmal Dakhiruddin;

6. Appeal No 02(F)-41-08/2020(W); between Pacific & Orient Insurance Co Berhad v. Yeap Tick In.

7. Appeal No 02(F)-30-07/2020(K) between Pacific & Orient Insurance Co Berhad v. Arnandan Soria Demadu; and

8. Appeal No 02(F)-28-04/2021(W) between Pacific & Orient Insurance Co Berhad v. Navin Naicker & Anor.

[2] Of the eight appeals, five involve Pacific & Orient Insurance Co Berhad, four as appellants and one as respondent and all five represented by the same counsel. The other three appeals involve Amgeneral Insurance Berhad, Allianz General Insurance Company (M) Bhd and Malaysian M