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The Manager Reliance Genral Insurance vs Bijanbee And Ors
2025 Latest Caselaw 2572 Kant

Citation : 2025 Latest Caselaw 2572 Kant
Judgement Date : 20 January, 2025

Karnataka High Court

The Manager Reliance Genral Insurance vs Bijanbee And Ors on 20 January, 2025

                                                 -1-
                                                              NC: 2025:KHC-K:305
                                                       MFA No. 202213 of 2018
                                                   C/W MFA No. 201420 of 2018



                                 IN THE HIGH COURT OF KARNATAKA

                                        KALABURAGI BENCH

                            DATED THIS THE 20TH DAY OF JANUARY, 2025

                                               BEFORE

                                THE HON'BLE MR. JUSTICE C.M. JOSHI

                              MISCL. FIRST APPEAL NO.202213/2018(MV-D)
                                                 C/W
                                 MISCL. FIRST APPEAL NO.201420/2018


                       IN MFA NO.202213/2018:

                       BETWEEN:


                       1.   BIJANBEE W/O LATE HAJISAB MALDAR,
                            AGED 40 YEARS, OCC: HOUSEHOLD,

                       2.   DAVALSAB S/O LATE HAJISAB MALDAR,
          Digitally
          signed by
                            AGED 21 YEARS, OCC: STUDENT,
          LUCYGRACE
LUCYGRACE Date:
          2025.01.22
          09:07:05 -
          0800
                       3.   SARVAR S/O LATE HAJISAB MALDAR,
                            AGED 20 YEARS, OCC: STUDENT,

                            ALL R/O. BETGERA-B, TQ. SEDAM,
                            NOW RESIDING NEAR, MSK MILL,
                            JEELANABAD,
                            KALABURAGI.
                                                                  ...APPELLANTS
                       (BY SRI SANJEEV PATIL, ADVOCATE)
                           -2-
                                     NC: 2025:KHC-K:305
                                MFA No. 202213 of 2018
                            C/W MFA No. 201420 of 2018



AND:


1.   PRAKASH S/O THAVARU,
     AGE: MAJOR, OCC: BUSINESS OWNER OF
     FORCE TEMPO TRAX JEEP NO.KA-14/A-3288,
     R/O. HOUSE NO.1/168/1,
     RAMTHIRTH,
     TQ. CHITTAPUR,
     DIST. KALABURAGI-585 211.

2.   THE LEGAL MANAGER,
     RELIANCE GENERAL INSURANCE CO. LTD.,
     DIVISIONAL OFFICE, ASIAN PLAZA,
     NEAR TIMMAPURI CIRCLE,
     KALABURAGI-585 102.
                                      ...RESPONDENTS
(BY SRI KRUPA SAGAR PATIL, ADV., FOR R1;
 SRI SUBHASH MALLAPUR, ADV., FOR R2)

      THIS MISCELLANEOUS FIRST APPEAL IS FILED UNDER
SECTION 173(1) OF THE MOTOR VEHICLES ACT, PRAYING
TO ALLOW THIS APPEAL AND ENHANCE THE COMPENSATION
TO RS.15,06,000/- ALONG WITH INTEREST BY MODIFYING
THE JUDGMENT AND AWARD OF THE III ADDL. SENIOR
CIVIL JUDGE AND MACT, KALABURAGI, DATED 21.04.2018
IN MVC NO.817/2016.


IN MFA NO.201420/2018:


BETWEEN:


THE MANAGER,
RELIANCE GENERAL INSURANCE CO. LTD.,
                           -3-
                                      NC: 2025:KHC-K:305
                                 MFA No. 202213 of 2018
                             C/W MFA No. 201420 of 2018



DIVN. OFFICE, ASIAN PLAZA,
NEAR TIMMAPURI CIRCLE,
KALABURAGI,
REPRESENTED BY
AUTHORISED OFFICER.
                                             ...APPELLANT
(BY SRI SUBHASH MALLAPUR, ADVOCATE)

AND:


1.   BIJANBEE W/O LATE HAJISAB MALDAR,
     AGE: 40 YEARS, OCC: HOUSEHOLD.

2.   DAVALSAB S/O LATE HAJISAB MALDAR,
     AGE: 21 YEARS, OCC: STUDENT.

3.   SARVAR S/O HAJISAB MALDAR,
     AGE: 20 YEARS, OCC: STUDENT,
     ALL R/O BETAGERA-B, TQ. SEDAM,
     DIST. KALABURAGI-585 102.

4.   PRAKASH S/O THAVARU,
     AGE: MAJOR, OCC: OWNER OF FORCE
     TEMPO NO.KA-14/A-3288,
     R/O H.NO.1/168/1, RAMTHIRTH,
     TQ. CHITTAPUR,
     DIST. KALABURAGI-585102.
                                         ...RESPONDENTS
(BY SRI SANJEEV PATIL, ADV., FOR R1 TO R3;
 SRI KRUPA SAGAR PATIL, ADV., FOR R4)

      THIS MISCELLANEOUS FIRST APPEAL IS FILED UNDER
SECTION 173(1) OF THE MOTOR VEHICLES ACT, PRAYING
TO, ALLOW THE ABOVE APPEAL AND CONSEQUENTLY BE
PLEASED TO SET ASIDE THE JUDGMENT AND AWARD
                                       -4-
                                                      NC: 2025:KHC-K:305
                                             MFA No. 202213 of 2018
                                         C/W MFA No. 201420 of 2018



DATED21.04.2018, PASSED THE III ADDL. SENIOR CIVIL
JUDGE AND MACT, KALABURAGI, IN MVC NO.817/2016.

        THESE APPEALS, COMING ON FOR FINAL HEARING,
THIS DAY, JUDGMENT WAS DELIVERED THEREIN AS UNDER:

CORAM: HON'BLE MR. JUSTICE C.M. JOSHI


                             ORAL JUDGMENT

(PER: HON'BLE MR. JUSTICE C.M. JOSHI)

1. Heard learned counsel appearing for the

appellant/petitioners and the learned counsel appearing for

the appellant/Insurance Company.

2. These appeals arise out of the judgment and

award in MVC No.817/2016 dated 21.04.2018 by III

Additional Senior Civil Judge and MACT, Kalaburagi, (for

short 'Tribunal'), whereby, the Tribunal awarded

compensation of Rs.9,14,000/- along with interest at 6% per

annum.

3. The factual matrix of the case is below:

NC: 2025:KHC-K:305

a) That on 22.04.2015 at about 4:55 p.m., the

deceased along with his wife was traveling in a Tempo-Trax

Jeep bearing No.KA-14/A-3288. Near Ramtirtha Village on

Chittapur-Bhimanalli Road, the driver of the Jeep applied the

brakes suddenly and as a result the diseased, who was

sitting on the rooftop of the said Jeep fell down from the

Jeep and sustained grievous injuries and later succumbed to

the injuries at the spot. A case was registered against the

Jeep driver on the basis of the complaint filed by the wife of

the deceased, where, she has narrated the said incident

including the fact that her husband was traveling on the

rooftop of the said Jeep. The petitioners, who are the wife

and children of the deceased, have approached the Tribunal

seeking compensation in the matter.

b) On being served with the notice, respondent No.2

Insurance Company appeared before the Tribunal and filed

its written statement. However, respondent No.1 - the

owner of the vehicle appeared, but did not file any written

statement. Respondent No.2 - Insurance Company disputed

the negligence on the part of the driver of the Jeep, but

NC: 2025:KHC-K:305

contented that the incident occurred due to the negligence of

the deceased himself, who traveled on the rooftop, where

the traveling is prohibited. The age, income and occupation

of the deceased was also disputed by respondent No.2 and it

was contended that the deceased was a gratuitous

passenger, therefore, the terms and conditions of the policy

are violated and that there was no permit for the owner to

ply the same for hire purposes and as such, it is not liable to

pay the compensation to the petitioners.

c) On the basis of the above contentions, the

Tribunal framed the following issues:

"1. Whether the petitioners prove that on 22-04-2015 at about 4-45 P.M. near Bhimnalli after crossing of Ramthirth on Chittapur-Bhimnalli road, the deceased met with accident and sustained grievous injuries and die due to rash and negligent driving of the driver of Force Tempo Trax Jeep bearing No.KA-14/A-3288?

NC: 2025:KHC-K:305

2. Whether the petitioners prove that, they are entitle for compensation? If so, how much and from whom?

3. What order or award?"

d) Before the Tribunal, petitioner No.1 was

examined as PW1 and Exs.P1 to P7 were marked. Though

the official of respondent No.2 - Insurance Company got

himself examined as RW1 but no documents were produced

on its behalf.

e) After hearing the arguments by both sides, the

Tribunal held that there was no such negligence on the part

of the deceased and that the Insurance Company is liable to

pay the compensation to the petitioners to the tune of

Rs.9,14,100/- under different heads as below:

Towards Loss of dependency Rs.7,84,056/- Towards Funeral & Transportation Rs.15,000/-

     charges
     Towards consortium                        Rs.40,000/-
     Towards Love and affection                Rs.60,000/-
     Towards Loss of Estate                    Rs,15,000/-
                                Total        Rs.9,14,056/-
                                             Rs.9,14,100/-

                                                 NC: 2025:KHC-K:305





4. Being aggrieved by the said the judgment and

award, the petitioners are before this Court seeking

enhancement of the compensation in MFA No.202213/2018

and the respondent No.2 - Insurance Company is in appeal

before this Court in MFA No.201420/2018 contending that

the liability has been wrongly fastened upon it.

5. The Tribunal records have been secured and the

arguments by both appellants are heard. In both these

appeals the owner of the vehicle though appeared before the

this Court, did not argue the case.

6. The learned counsel for the petitioners contend

that the deceased was traveling on the rooftop as mentioned

in the FIR and there was no such request or an effort by the

driver of the vehicle to prevent the deceased from traveling

on the rooftop, therefore, the avoidance of the negligence on

his part has not been established and the owner of the

vehicle has not adduced any evidence in the matter. Even

the cross-examination of the PW1 does not show that the

driver of the vehicle had made any effort to avoid the

NC: 2025:KHC-K:305

accident by requesting the deceased not to travel on the

rooftop. Secondly, he contends that the policy has not been

produced by respondent No.2 despite the official of

respondent No.2 to enter the witness box and deposed as

RW1. It is also contended that the violation of the terms and

conditions of the policy being interse matter between

respondent Nos. 1 and 2, adequate evidence should have

been led by respondent No.2 to show that the vehicle was

covered by a private package policy, but it was used as a

taxi. Therefore, he contends that the liability fastened upon

the respondent No.2 is proper.

7. Thirdly, he contends that the compensation

awarded by the Tribunal is on the lower side and the income

of the deceased has been considered at Rs.7,000/- per

month, which is also on the lower side. He further contends

that the compensation awarded towards consortium should

have been to each of the petitioners and therefore, on this

count also the Tribunal has erred in awarding adequate

compensation.

- 10 -

NC: 2025:KHC-K:305

8. Per contra, learned counsel appearing for

respondent No.2 would submit that the deceased was

traveling on the rooftop of the Jeep and such traveling on the

rooftop is a clear indication that there was negligence on the

part of the deceased also. In this regard he relies on the

judgment in the case of The Managing Director NWKRTC

Vs. Smt. Mamatajbi W/o. Jilaniahamad @ Jaleelahmad

Munshi, in MFA No.102446/2019 C/w. MFA

No.202241/2019 passed by the Division Bench of this

Court. He also relied on the judgment in the case of

NWKRTC Vs. Vijaylakshmi and Others1, wherein, it was

held that traveling on the rooftop though per-se cannot be

said to be negligent, but there was necessity of exercising

due precaution by the driver of the vehicle.

9. Secondly, he contended that though RW1 had not

produced a copy of the policy and the charge-sheet shows

that there were violation of the provisions of the Motor

ILR 2011 Karnataka 4845

- 11 -

NC: 2025:KHC-K:305

Vehicles Act and therefore, that would suffice to hold that

the deceased was a gratuitous passenger in the said vehicle.

10. The first aspect that needs to be considered is,

'whether there was any contributory negligence on the part

of the deceased when he was traveling on the rooftop of the

vehicle'. The fact that he was traveling on the rooftop of the

vehicle has been narrated in the complaint filed by petitioner

No.1 herself, which is produced at Ex.P2. However, it is

worth to note that Ex.P2 do not mention anything about they

traveling as a fare paying passengers or in what capacity

they were traveling in the said vehicle. However, it is

mentioned that the deceased was traveling on the rooftop of

the vehicle. The cross-examination of the PW1 would

indicate that they were traveling by hiring the vehicle. It is

stated that they had paid the rent to the driver, but, it does

not mention as to how many passengers were traveling in

the said vehicle. But it is not known whether all the 10 or 12

persons who were in the vehicle were party belonging to the

deceased and PW1. Therefore, there is lack of clarity as to

whether they were fare paying passengers or they had hired

- 12 -

NC: 2025:KHC-K:305

the vehicle for plying from point to point. The testimony of

RW1 is also not clear in this regard and he has not produced

the copy of the policy. Therefore, it can safely be said that

there is violation of the terms and conditions of the policy.

But the nature of violation of the terms and conditions of the

policy is not clearly established before the Tribunal. In that

view of the matter, the Tribunal was justified in fastening the

liability on respondent No.2 and if the respondent No.2 is

disputing any such terms and conditions, it is at liberty to

take up the matter with respondent No.1 in seeking

avoidance of the policy. Therefore, it cannot be said that the

primary burden having been discharged by PW1 in the form

of FIR and her own testimony, it can be said that primarily

respondent No.2 is liable, but, it is at liberty to recover the

same from the respondent No.1. It is needless to say that

respondent No.1 is at liberty to take up whatever the

defence available for him.

11. Insofar as contributory negligence is concerned,

the cross-examination of the PW1 does not show that the

driver of the vehicle or anybody else on his behalf had

- 13 -

NC: 2025:KHC-K:305

requested the deceased not to travel on the rooftop. It is

worth to note at this juncture that the judgment in the case

of NEKRTC Vs. Vijaylakshmi clearly indicates that simply

traveling on the rooftop cannot be a ground in itself to hold

that there was contributory negligence. It is necessary to

establish that though the deceased was traveling on the

rooftop, he had not exercised due precautions when the

accident took place. Traveling on the rooftop, if it was not

tried to be prevented by the driver, then, obviously it is a

negligence. In the case on hand, it is evident that the driver

of the vehicle abruptly applied the brakes and thereby, it

clearly indicates that there was negligence on his part. He

was aware that the deceased was traveling on the rooftop

and even then he applied the brakes abruptly. This would be

negligence on the part of the driver of the vehicle. If the

driver of the vehicle had not applied the brakes abruptly,

even though there was negligence on the part of the

deceased by traveling on the rooftop, he would not have

fallen. Therefore, it cannot be said that there is an

actionable negligence or proactive negligence on the part of

- 14 -

NC: 2025:KHC-K:305

the deceased. In that view of the matter, the contributory

negligence contended by learned counsel for Insurance

Company cannot be accepted.

12. The 3rd aspect to be considered is, whether the

quantum of the compensation is on the lower side. The fact

that the deceased was aged 45 years at the time of accident,

therefore the appropriate multiplier is 14 is not in dispute.

Evidently, the deceased was an agriculturist and therefore,

there is no clear proof of income. This aspect is also borne

out of the complaint, which is at Ex.P2. The Tribunal has

taken the notional income at Rs.7,000/- per month.

13. The guidelines issued by the Karnataka State

Legal Services Authority (KSLSA) for settlement of the

disputes before the Lok Adalat prescribe the notional income

of `8,000/- for the year 2015. In umpteen numbers of

decisions, this Court has held that the guidelines issued by

KSLSA are acceptable on the ground that they are in general

conformity with the minimum wages fixed under the

- 15 -

NC: 2025:KHC-K:305

Minimum Wages Act. Therefore, the notional income of the

petitioner is accepted as `8,000/- per month.

14. As per the law laid down by the Apex Court in the

case of National Insurance Company Limited Vs.

Pranay Sethi and others2 the future prospects has to be

considered at 25% of the income of the deceased,

accordingly 25% of Rs.8,000/- is Rs.2,000/-.

15. Thus, the loss of dependency is calculated as

(Rs.8000 + 2000) x 12 x 14 x 2/3 that equals to

Rs.11,20,000/- by adopting multiplier of '14' and deducting

1/3rd towards the personal expenses of the deceased.

16. The Tribunal has awarded the compensation of

Rs.60,000/- towards loss of love and affection, which is

impermissible in the light of the judgment of the Apex Court

in the case of Pranay Sethi referred supra. However, there

shall be an enhancement of 10% on the amount of the

consortium, loss of estate and funeral expenses for every 3

(2017) 16 SCC 680

- 16 -

NC: 2025:KHC-K:305

years. Now the compensation is being determined in the

year 2025, there shall be enhancement to the extent of

30%, that means the compensation awarded under

conventional heads have to be increased from Rs.70,000/- to

Rs.91,000/-. Hence, the compensation is calculated as

Rs.11,20,000 + Rs.91,000/-, that equals to Rs.12,11,000/-.

After deducting the compensation awarded by the Tribunal,

i.e., Rs.9,14,100/-, petitioners are entitled for an

enhancement of Rs.2,96,900/-.

17. In the light of the above discussion, both the

appeals deserve to be allowed in part. Hence, the following:

ORDER

i) The MFA No.202213/2018 filed by the

petitioners is allowed in part and the

petitioners are entitled for compensation of

Rs2,96,900/- in addition to what has been

awarded by the Tribunal, along with

interest at 6% per annum, from the date

of petition till its deposit.

- 17 -

NC: 2025:KHC-K:305

ii) The MFA No.201420/2018 filed by the

Insurance Company is also allowed in part.

The Insurance Company is directed to

deposit the compensation amount before

the Tribunal at the first instance and

thereafter, recover the same from the

respondent No.1 - owner of the vehicle, if

it chooses to do so.

iii) The rest of the terms and conditions

regarding deposit, apportionment etc.,

ordered by the Tribunal remain unaltered.

iv) The amount deposited before this Court is

ordered to be transmitted to the Tribunal.

Sd/-

(C.M. JOSHI) JUDGE

SBS

CT: AK

 
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