Citation : 2023 Latest Caselaw 2528 Kant
Judgement Date : 24 May, 2023
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IN THE HIGH COURT OF KARNATAKA AT BENGALURU
DATED THIS THE 24TH DAY OF MAY, 2023
BEFORE
THE HON'BLE MR. JUSTICE PRADEEP SINGH YERUR
MISCELLANEOUS FIRST APPEAL NO.7891 OF 2014 (MV-D)
C/W
MISCELLANEOUS FIRST APPEAL NO.2261 OF 2014 (MV)
IN MFA NO.7891 OF 2014:
BETWEEN:
1. SMT.PADMAMMA
W/O.LATE KRISHNAPPA
NOW AGED ABOUT 45 YEARS
2. SRI JAGADISH
S/O.LATE KRISHNAPPA
NOW AGED ABOUT 23 YEARS
3. SANDHYA RANI
D/O.LATE KRISHNAPPA
NOW AGED ABOUT 21 YEARS
ALL ARE R/AT N.KURUBARAHALLI
NANGALI POST
MULABAGAL TALUK
KOLAR DISTRICT-563 132
... APPELLANTS
(BY SRI MANMOHAN D., ADVOCATE)
AND:
1. SMT.MANJULA K.R.
W/O.K.V.REDDAPPA
MAJOR
R/AT NO.1/P-59/2
NAKKANAPALLI
VEKATAGIRI KOTA
CHITTOOR-517 001
ANDHRA PRADESH
-2-
2. M/S.ICICI LOMBARD GENERAL
INSURNACE CO.LTD.
NO.89, 2ND FLOOR, SVR COMPLEX
HOSUR MAIN ROAD
MADIWALA,
BENGALURU -560 068
REP.BY ITS MANAGER
3. SRI ELIYAZ
S/O.JAMAL SAB
MAJOR
N.KURAPETA
MULBAGAL TOWN
KOLAR DISTRICT-563 131
... RESPONDENTS
(BY SRI A.N.KRISHNA SWAMY, ADVOCATE FOR R-2;
R-1 IS SERVED;
NOTICE TO R-3 IS HELD SUFFICIENT)
---
THIS MISCELLANEOUS FIRST APPEAL IS FILED
UNDER SECTION 173 (1) OF MOTOR VEHICLES ACT, 1988
AGAINST THE JUDGMENT AND AWARD DATED 13.12.2013
PASSED IN MVC NO.2136/2008 ON THE FILE OF THE
JUDGE, COURT OF SMALL CAUSES & XXVII ACMM AND
MOTOR ACCIDENT CLAIMS TRIBUNAL (SCCH-09),
BENGALURU AND SEEKING ENHANCEMENT OF
COMPENSATION AND ETC.
IN MFA NO.2261 OF 2014:
BETWEEN:
MANAGER-LEGAL
ICICI LOMBARD GENERAL
INSURANCE CO. LTD.
NO.89, II FLOOR, SVR COMPLEX
HOSUR MAIN ROAD
MADIVALA
BENGALURU - 560 068 ... APPELLANT
(BY SRI A.N.KRISHNA SWAMY, ADVOCATE)
-3-
AND:
1. SMT.PADMAMMA
W/O.LATE KRISHNAPPA
NOW AGED ABOUT 45 YEARS
2. SRI JAGADISH
S/O.LATE KRISHNAPPA
NOW AGED ABOUT 23 YEARS
3. SANDHYA RANI
D/O.LATE KRISHNAPPA
NOW AGED ABOUT 21 YEARS
ALL ARE R/AT N.KURUBARAHALLI
NANGALI POST
MULABAGAL TALUK
KOLAR DISTRICT-563 131
... RESPONDENTS
(BY SRI D.MANMOHAN, ADVOCATE FOR R-1 TO R-3;
R-4 IS SERVED)
---
THIS MISCELLANEOUS FIRST APPEAL IS FILED
UNDER SECTION 173 (1) OF MOTOR VEHICLES ACT, 1988
PRAYING TO SET ASIDE THE JUDGMENT AND AWARD
DATED 13.12.2013 PASSED IN MVC NO.2136/2008 ON THE
FILE OF THE JUDGE, COURT OF SMALL CAUSES & XXVII
ACMM AND MOTOR ACCIDENT CLAIMS TRIBUNAL (SCCH-
09), BENGALURU AND ETC.
THESE APPEALS HAVING BEEN HEARD AND
RESERVED ON 12.01.2023 AND COMING ON FOR
PRONOUNCEMENT OF JUDGMENT THIS DAY, THE COURT
DELIVERED THE FOLLOWING:
JUDGMENT
These two appeals are preferred by the claimants and
the Insurance Company respectively challenging the
judgment and award passed in MVC.No.2136/2008 dated
13.12.2013 by the Court of Small Causes and XXVI ACMM
and Motor Accident Claims Tribunal (SCCH-9), Bengaluru
(for short 'the Tribunal').
2. The appeal preferred by the claimants in
MFA.No.7891/2014 is for enhancement of compensation
whereas the appeal preferred by the Insurance Company in
MFA.No.2261/2014 is to set aside the judgment and award
passed by the tribunal as being illegal and erroneous.
3. Though these matters are listed for admission, with
consent of both learned counsels, matters are taken up for
final disposal.
4. Parties to the appeals shall be referred to as per
their status before the tribunal.
5. Brief facts of the case are as under:
On 06.02.2008 at about 10.30 p.m., near
Buthalabanda turning (NH-4) Palamaner Mandal, Chitoor
District, when deceased Krishnappa and one Naresh Babu
were traveling in an Eicher Tempo bearing registration
No.AP 03 U 9277 along with vegetable bags from Nangali to
Chennai for the purpose of selling the said vegetables,
which they had grown in their land, the driver of the said
Eicher Tempo drove the same in a rash and negligent
manner with high speed and as a result of which, the said
tempo turned turtle, due to which, the inmates of the
vehicle sustained grievous injuries. Immediately, the
deceased Krishnappa was shifted to Devaraj Urs Hospital,
Kolar, but inspite of the treatment, he succumbed to the
injuries on 14.02.2008. According to the claimants, the said
accident was caused due to rash and negligent driving of
the said Eicher Tempo bearing registration No.AP 03 U 9277
by its driver and that respondent No.1 is the owner,
respondent No.2 is the insurer and respondent No.3 is the
present owner of the said vehicle. It is stated that the
deceased Krishnappa was growing vegetable in his land and
earning Rs.1,50,000/- per annum and apart from that, he
was earning Rs.10,000/- from Betel nut and Arecanut
business. Hence, the claimants have filed a claim petition
before the tribunal seeking compensation.
5.1 Respondent Nos.1 and 2 appeared before the
tribunal through their counsel and filed their statement of
objections. Respondent No.3 remained absent. In the
written statement, respondent No.1 has admitted that she
is the RC owner of the offending vehicle. It is further stated
that the said vehicle is insured with respondent No.2 and as
on the date of accident, the policy was in force and hence,
respondent No.2 is liable to indemnify her (respondent
No.1). It is further contended that prior to the date of
accident, she has sold and delivered the possession of
Eicher Tempo bearing registration No.AP 03 U 9277 to one
Eliyaz, S/o.Jamal Sab, resident of N.Kurapeta, Mulbagal
town and the said vehicle was in his exclusive custody and
control at the time of accident.
5.2 Respondent No.2, in the written statement has
admitted the issuance of policy in favour of respondent
No.1 pertaining to the said Eicher Tempo and also admitted
the validity of the insurance policy as on the date of
accident. Except admitting the said facts, respondent No.2
has denied the rest of the averments of the petition as false
and untenable. It is further stated that the said vehicle is a
goods vehicle meant to carry goods only, as such, no
person can travel in that vehicle. The deceased Krishnappa
by traveling in the said vehicle has violated the policy terms
and conditions and hence, respondent No.2 is not liable to
pay compensation. It is further stated that the driver of the
said vehicle had no valid and effective driving licence to
drive the said vehicle. Hence, sought for dismissal of claim
petition.
5.3 On the basis of pleadings, the tribunal framed
relevant issues for consideration. In order to substantiate
the issues and to establish the case, claimant No.1 got
examined herself as PW.1 and got marked documents as
Exs.P1 to P13, whereas respondents examined witnesses as
RWs.1 to 3 and got marked documents on behalf of
respondent No.2 as Exs.R1 to R5.
5.4 On the basis of material evidence both oral and
documentary, the tribunal awarded the compensation of
Rs.6,44,000/- with interest at the rate of 6% per annum
and held that respondent Nos.1 and 2 are jointly and
severally liable to pay compensation and respondent No.2
shall deposit the compensation amount with interest.
5.5 Being aggrieved by the impugned judgment and
award both the claimants as well as the Insurance
Company are before this Court challenging the same
respectively on the grounds urged therein in the appeals.
6. It is the vehement contention of learned counsel
for claimants that the tribunal has committed an error in
not considering the material placed on record both oral and
documentary and thereby has awarded meager
compensation for the death of Krishnappa without adverting
to the evidentiary material on record, thereby causing
miscarriage of justice to the claimants, who are the legal
representatives of deceased Krishnappa. It is also
contended by learned counsel that the tribunal has
committed an error in taking measly income of Rs.4,500/-
for calculating the compensation, whereas deceased
Krishnappa was earning about Rs.1,50,000/- p.a. from the
sale of vegetables and was also earning a sum of
Rs.10,000/- p.m. from the business of selling aracanut and
betel nut. Learned counsel further contends that the
tribunal has ignored these aspects that the deceased
Krishnappa being an agriculturist and merely for the reason
that RTC records - Ex.P10 does not reflect the crops being
grown, the tribunal has committed an error in coming to
the conclusion that income of the deceased is not proved.
6.1 Learned counsel further contends that the tribunal
has wrongly assessed the age of the deceased Krishnappa
to be 60 years as per the inquest report, but in reality, the
age of the deceased was 40 years, which is proved by
production of Ex.P3 - post mortem report and Ex.P9 - ration
card and it depicts the age of the deceased as 48 years.
Therefore, even if an average is taken, the deceased could
not be more than 46 or 47 years. He also contends that in
view of discrepancy of age assessed by the tribunal, if 46 or
47 years is taken as age, 30% income would have to be
added towards future prospects and the appropriate
multiplier ought to be taken as '13'.
6.2 Learned counsel further contends that the tribunal
has not awarded suitable compensation towards
consortium, which also requires to be enhanced, on these
grounds, he seeks for enhancement of compensation.
6.3 In support of his arguments, learned counsel for
claimants has relied on the following decisions:
i) Pushpa v. Shakuntala reported in 2011(1) AIR Kar R 815;
ii) Somappa v. Imamsab reported in 2017(2) Kar.L.J.665;
iii) Krishnashetty v. Oriental Insurance Co. Ltd.
reported in 2009(6) AIR Kar R 198;
iv) United India Insurance Co. Ltd. v.
Vijayakumar reported in 2009(1) AIR Kar R 175;
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7. Per contra, learned counsel representing the
Insurance Company vehemently contends that the claim
petition deserves to be dismissed on the ground that there
is no material to indicate that the RC owner has sold the
vehicle along with the policy of insurance in favour of
respondent No.3. He further contends that the Insurance
policy is a package policy and it clearly indicated that there
was no transfer certificate issued by the Insurance
Company in favour of subsequent purchaser namely,
respondent No.3. He contends that the Insurance Company
cannot be made liable to pay compensation, when there is
no existence of material to show that the vehicle was sold
along with the policy of insurance to respondent No.3.
Learned counsel relies on Section 157 of the Motor Vehicles
Act, 1988 (for short 'the Act') and Rule 144 of Central
Motor Vehicles Rules, 1989.
7.1 Learned counsel further contends that the
deceased having merely carried two bags of vegetables
would not become the owner of goods to attract the
provisions of Section 147 of the Act. Learned counsel
further contends that as per the material evidence on
record, it is apparently clear that six persons were
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travelling in the lorry whereas the seating capacity in the
lorry is only three. It is also forthcoming in the evidence
that in the cabin, along with the driver and cleaner, other
persons were travelling. He contends that there existed no
other accommodation for any other person to travel in the
goods carriage either of the owner of the goods or an
employee. It is also contended that the owner of the goods
or an employee can only travel in the cabin. The persons
who do not travel in the cabin as per the act and the policy
would not be covered under the policy of insurance and the
Insurance Company cannot be saddled with any such
liability. Learned counsel contends that deceased
Krishnappa was traveling on the load of vegetables stacked
on the body of the lorry. Therefore, the question of liability
being fastened on the Insurance Company would not arise.
7.2 Learned counsel further contends that there is no
insurable interest transferred to respondent No.3, who is
the owner of the vehicle to fasten the liability on the
Insurance Company. It is also not in dispute that the
accident occurred on 06.02.2008 and respondent No.1
admittedly sold the vehicle on 21.01.2008 to respondent
No.3, while making such a sale, the certificate of insurance
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or transfer of insurance has not been passed on to
respondent No.3. Therefore, the Insurance Company would
not be liable to pay any compensation in view of there
being no insurable interest.
7.3 Learned counsel further contends that future
prospects as claimed and argued by the learned counsel for
claimants cannot be awarded in this case, as the deceased
was not possessing a stable or permanent job. It is also
contended that the amount awarded towards consortium is
on the higher side and same requires to be reduced.
Learned counsel further contends that the age adopted by
the tribunal of the deceased is correct, based on the
material documents and the same does not call for
reduction. On these grounds, learned counsel seeks to allow
his appeal and consequently, dismiss the appeal preferred
by the claimants.
7.4 In support of his arguments, learned counsel for
respondent-Insurance Company has relied on the following
decisions:
i) National Insurance Co. Ltd. v. Cholleti Bharatamma reported in 2008 ACJ 268;
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ii) Balu Krishna Chavan v. The Reliance General Insurnace Company Ltd. & Ors. reported in 2022 LiveLaw (SC) 932;
iii) Sanjeev Kumar Samrat v. National Insurance Co. Ltd. reported in LAWS(SC)-2012-12-28 (DD 11.12.2012, Civil Appeal No.8925/2012);
iv) The Branch Manager v. Smt.Bellamma & Others (DD 08.06.2012, MFA.No.40/2010);
8. Having heard learned counsel for appellants-
claimants and respondent-Insurance Company, the points
that arise for consideration are:
"(i) Whether the claimants are entitled to enhancement of compensation ?
(ii) Whether the Insurance Company has made out a case for interference of the impugned judgment by way of setting aside the judgment or reduction of compensation?
(iii) Whether the liability fastened on the
Insurance Company requires to be
interfered?
(iv) What Order?"
9. It is not in dispute that the accident occurred on
06.02.2008 at about 10.30 p.m. when the deceased
Krishnappa was proceeding along with one Naresh Babu in
Eicher tempo vehicle bearing registration No.AP 03 U 9277
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transporting vegetable bags from Mangali to Chennai. It is
also not in dispute that the goods vehicle in which the
vegetable bags were being transported met with a road
traffic accident due to over turning of the vehicle and a
criminal case came to be registered by way of FIR as per
Ex.P1, subsequently culminated into a chargesheet as per
Ex.P4. The Police records produced by the claimants clearly
depict the rashness and negligence as against the driver of
the goods vehicle due to which the accident occurred.
These aspects of involvement of vehicle, occurrence of
accident, filing of chargesheet have been proved by
production of these Police records vide Exs.P1 to P7(a). The
medical records, ration card and vegetable market bills of
the deceased Krishnappa have been produced and marked
at Exs.P8 to P13. These documents are not seriously
controverted by the Insurance Company thereby the
occurrence of the accident is proved, rashness and
negligence by the driver of the offending goods vehicle is
also proved.
9.1 The death of deceased Krishnappa is apparently
not disputed, what is disputed by the Insurance Company is
that he was not traveling in the cabin as per the act and the
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policy and hence, he would be disentitled to claim
compensation from the Insurance Company, more so, for
the reason that the owner of the vehicle has violated the
terms and conditions of the policy.
9.2 To advert to the arguments put-forth by learned
counsel for Insurance Company and for better
understanding, it is relevant to extract the following
provisions:
"147. Requirements of policies and limits of liability xxxxxxxxxxxx (3) A policy shall be of no effect for the purposes of this Chapter unless and until there is issued by the insurer in favour of the person by whom the policy is effected a certificate of issuance in the prescribed form and containing the prescribed particulars of any condition subject to which the policy is issued and of any other prescribed matters; and different forms, particulars and matters may be prescribed in different cases.
156. Effect of certificate of insurance When an insurer has issued a certificate of insurance in respect of a contract of insurance between the insurer and the insured person, then−
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(a) if and so long as the policy described in the certificate has not been issued by the insurer to the insured, the insurer shall, as between himself and any other person except the insured, be deemed to have issued to the insured person a policy of insurance conforming in all respects with the description and particulars stated in such certificate; and
(b) if the insurer has issued to the insured the policy described in the certificate, but the actual terms of the policy are less favourable to persons claiming under or by virtue of the policy against the insurer either directly or through the insured than the particulars of the policy as stated in the certificate, the policy shall, as between the insurer and any other person except the insured, be deemed to be in terms conforming in all respects with the particulars stated in the said certificate.
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157. Transfer of certificate of insurance (1) Where a person in whose favour the certificate of insurance has been issued in accordance with the provisions of this Chapter transfers to another person the ownership of the motor vehicle in respect of which such insurance was taken together with the policy of insurance relating thereto, the certificate of insurance and the policy described in the certificate shall be deemed to have been transferred in favour of the person to whom the motor vehicle is transferred with effect from the date of its transfer.
Explanation : For the removal of doubts, it is hereby declared that such deemed transfer shall include transfer of rights and liabilities of the said certificate of insurance and policy of insurance.
(2) The transferee shall apply within fourteen days from the date of transfer in the prescribed form to the insurer for making necessary changes in regard to the fact of transfer in the certificate of insurance and the policy described in the certificate in his favour and the insurer shall make the necessary changes in the certificate and the policy of insurance in regard to the transfer of insurance."
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9.3 It is the vehement contention of learned counsel
for Insurance Company that respondent No.1 has sold the
vehicle to respondent No.3 on 21.01.2008 and that the
accident has occurred on 06.02.2008 which is pursuant to
the sale made by respondent No.1 to respondent No.3.
Under these circumstances, he relies on the provisions of
Section 147 of the Act to contend that there is no certificate
of insurance issued by the Insurance Company or
transferred from respondent No.1 to respondent No.3 along
with the transfer of vehicle. Hence, he contends that the
Insurance Company cannot be saddled with the liability. In
my opinion, this argument of learned counsel for Insurance
Company is answered in Section 157 of the Act. The
explanation of which reads as under:
"Explanation : For the removal of doubts, it is hereby declared that such deemed transfer shall include transfer of rights and liabilities of the said certificate of insurance and policy of insurance."
9.4 Hence, on a conjoint reading of Sections 147, 156
and 157 of the Act, it is clearly apparent that once the
ownership of the vehicle is transferred to another person in
respect of which the insurance policy was taken, the
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certificate of insurance and the policy described in the
certificate shall be deemed to have been transferred in
favour of the person to whom the motor vehicle is
transferred with effect from the date of his transfer.
Therefore, once there is a transfer of ownership from
respondent No.1 to respondent No.3, the certificate of
insurance and the policy also get automatically transferred
to subsequent purchaser i.e. respondent No.3 herein. I am
afraid the arguments put-forth by learned counsel for
Insurance Company cannot be accepted in view of the
aforesaid reasons. Hence, it is negatived.
9.5 Now coming to the question of awarding of
quantum of compensation and consideration of age and
multiplier. It is apparently seen that the tribunal has
assessed the age of the deceased between the age group of
51-60 years. On the basis of Police records under Section
161 of Cr.PC which was mentioned as 60 years and further
the tribunal was influenced upon the inconsistency of the
age. But, it is seen from Ex.P3-post mortem report, the age
of the deceased is mentioned as 45 years and as per Ex.P9-
the copy of ration card, the age is mentioned as 48 years.
I am of the opinion that Ex.P9 being the ration card dated
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11.09.2006, the age can be safely taken as 48 years. In
view of the same, the appropriate multiplier applicable in
the present case on hand is '13' as per the judgment of the
Hon'ble Apex Court in the case of Sarla Verma (Smt)
and others vs. Delhi Transport Corporation and
another reported in (2009) 6 Supreme Court Cases
121.
9.6 The tribunal has assessed the income of the
deceased to be Rs.4,500/- p.m. on the basis of the notional
income chart. I do not find any error in the said income
being taken as there is no substantial proof produced by
the claimants with regard to deceased Krishnappa. The
tribunal has awarded future prospects of 15%, which in my
opinion, is on the lower side as this Court has already
assessed the age of the deceased to be 48 years, the future
prospects to be added would be @ 25% for the age group
40-50 years. It is also seen that in the present case, the
deceased has left behind three dependents, namely, a
widow and two children. Therefore, the loss of dependency
would be Rs.5,85,000/- (Rs.4,500/- + 25% = Rs.5,625/-
x 1/3rd = Rs.3,750/- x 12 x 13) as against Rs.4,55,400/-
awarded by the tribunal.
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9.7 Towards consortium, the claimants would be
entitled to Rs.40,000/- per head, there being three
claimants as contemplated in the case of National
Insurance Company Limited vs. Pranay Sethi and
others reported in (2017) 16 Supreme Court Cases
680, which has been subsequently followed in the case of
United India Insurance Co. Ltd., v. Satinder Kaur
alias Satwinder Kaur and others reported in AIR
2020 SC 3076, and in the case of Magma General
Insurance Co. Ltd., vs. Nanu Ram and others,
reported in (2018) 18 Supreme Court Cases 130.
Therefore amount of Rs.1,20,000/- (Rs.40,000/- x 3
dependants) is awarded under the head of loss of
consortium.
9.8 Towards loss of estate and towards
transportation of dead body & funeral expenses, claimants
would be entitled to `15,000/- each i.e., a sum of `30,000/-
requires to be awarded and it is accordingly awarded.
Accordingly, under conventional heads `1,50,000/-
`1 (loss of
consortium `1,20,000/- + loss of estate `15,000/- +
towards transportation of dead body & funeral expenses
`15,000/-) is awarded.
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9.9 As per the decision of Pranay Sethi, stated
supra, 10% on the conventional head for each block
period requires to be awarded, which in the present case
would be `15,000/- for one block period.
9.10 I am in agreement with learned counsel for
Insurance Company that the tribunal has awarded excess
amount of compensation under the conventional heads
which deserves to be modified as aforestated. In view of
the fact that the amount of compensation is awarded
towards consortium, loss of estate and transport of dead
body and funeral expenses, the question of awarding
compensation towards loss of love and affection would not
arise.
9.11 Towards medical expenses, a sum of Rs.8,496/-
is awarded by the tribunal, the same does not call for
interference and is retained.
9.12 In view of the above, the claimants would be
entitled for enhancement of compensation as per the table
mentioned below:
As awarded by this Heads Court (Rs.) Loss of dependency 5,85,000.00 Loss of consortium 1,50,000.00
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Loss of estate 15,000.00
Transportation of dead body and 15,000.00
funeral expenses
Medical expenses 8,496.00
10% of conventional heads (10% of 15,000.00
1,50,000/-)
TOTAL 7,88,496.00
10. It is relevant to note that PW.1, the widow of
deceased Krishnappa has categorically stated in her
evidence that her husband Krishnappa was travelling in the
cabin, strangely there is no cross-examination or
contravention of the statement of PW.1 or even a
suggestion that deceased Krishnappa was not travelling in
the cabin. There is nothing cogent material placed before
the Court to disbelieve the evidence of PW.1 that deceased
Krishnappa was travelling in the cabin. It is also the case
of one Naresh Babu, who was travelling along with
deceased Krishnappa that they were travelling together
along with the goods. In view of there being no affirmative
clinching cogent evidence to prove the fact that deceased
Krishnappa was not travelling in the cabin, the argument of
learned counsel for Insurance Company cannot be accepted
more so when there is cogent positive evidence through
PW.1 regarding deceased Krishnappa travelling in the cabin
as on the date of occurrence of accident.
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10.1. Under the said circumstances, I am of the
opinion that there is no illegality in the tribunal fastening
the liability on respondent No.2-Insurnace Company along
with respondent No.1-the R.C.holder of the offending
vehicle.
11. In view of the above discussions, I pass the
following:
ORDER
i) The appeals are allowed-in-part;
ii) The judgment and award passed in
MVC.No.2136/2008 dated 13.12.2013 by the
Court of Small Causes and XXVI ACMM and
Motor Accident Claims Tribunal (SCCH-9),
Bengaluru is hereby modified;
iii) The claimants would be entitled to a total
compensation of Rs.7,88,496/- as against
Rs.6,43,896/- awarded by the tribunal with 6%
interest from the date of petition till its
realisation;
iv) All other terms and conditions regarding
apportionment as ordered by the tribunal is
retained;
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v) The compensation to claimant Nos.2 and 3, who
have attained majority, shall be released/
disbursed in their favour upon proper
verification.
Sd/-
JUDGE
LB
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