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National Insurance Company vs M.Hshim
2024 Latest Caselaw 16824 Ker

Citation : 2024 Latest Caselaw 16824 Ker
Judgement Date : 12 June, 2024

Kerala High Court

National Insurance Company vs M.Hshim on 12 June, 2024

           IN THE HIGH COURT OF KERALA AT ERNAKULAM‬
           ‭
                             PRESENT‬
                             ‭
           THE HONOURABLE MRS. JUSTICE SOPHY THOMAS‬
           ‭
                   TH‬
                   ‭
  WEDNESDAY, THE 12‬
  ‭                    DAY OF JUNE 2024 / 22ND JYAISHTA, 1946‬
                       ‭


                    MACA NO. 1040 OF 2013‬
                    ‭


 AGAINST THE AWARD DATED 26.11.2012 IN OP(MV) NO.1459 OF 2004‬
 ‭
    OF PRINCIPAL MOTOR ACCIDENT CLAIMS TRIBUNAL, KOZHIKODE‬
    ‭


APPELLANT/2ND RESPONDENT IN OP(MV)No.1459/2004:‬

‭HE NATIONAL INSURANCE INSURANCE COMPANY.,‬ T P.B.NO.811, NOOR COMPLEX, NEAR ARAYIDATHUPALAM,‬ ‭ MAVOOR ROAD, KOZHIKODE, REPRESENTED BY ITS MANAGER,‬ ‭ REGIONAL OFFICE, M.G.ROAD, ERNAKULAM.‬ ‭

BY ADV SEBASTIAN VARGHESE‬ ‭

‭ESPONDENTS/PETITIONER AND THE 1ST RESPONDENT IN‬ R OP(MV)NO.1459/2004:‬ ‭

1‬‭ ‭ M.HASHIM,‬ AGED 28 YEARS,‬ ‭ S/O.MAMMED KOYA, PALAKKAL HOUSE, P.O.ARAKKINAR,‬ ‭ KOZHIKODE - 28, NADAVATTOM AMSOM DESOM 673 028.‬ ‭

2‬‭ ‭ P.P.ABOOBACKER, AGE NOT KNOWN, S/O.MOIDEENKOYA,‬ 21/337, KAPPAKKAL, PAYYANAKKAL, P.O.KALLAI,‬ ‭ CALICUT-673002.‬ ‭ ‭MACA 1040 of 2013‬ ‭2‬

BY ADV SRI.M.MUHAMMED SHAFI‬ ‭

THIS‬ ‭ ‭ MOTOR‬ ‭ ACCIDENT‬ ‭ CLAIMS‬ ‭ APPEAL‬ ‭ HAVING‬ ‭BEEN‬ ‭ FINALLY‬ ‭EARD‬ ‭ H ON‬ ‭ 12.06.2024,‬ ‭ THE‬ ‭ COURT‬ ‭ ON‬ ‭ THE‬ ‭ SAME‬ ‭ DAY‬ ‭ DELIVERED‬ ‭ THE‬ FOLLOWING:‬ ‭ ‭MACA 1040 of 2013‬ ‭3‬

‭J U D G M E N T‬

‭This‬ ‭appeal‬ ‭is‬ ‭at‬ ‭the‬ ‭instance‬ ‭of‬ ‭the‬ ‭2nd‬

‭respondent-Insurer‬ ‭in‬ ‭OP(MV)‬ ‭No.1459‬ ‭of‬ ‭2004‬ ‭on‬ ‭the‬ ‭file‬ ‭of‬

‭Principal‬ ‭Motor‬ ‭Accidents‬ ‭Claims‬ ‭Tribunal,‬ ‭Kozhikode,‬ ‭alleging‬

‭that the award amount is exorbitant.‬

‭2.‬ ‭The‬ ‭1st‬ ‭respondent/claimant‬ ‭met‬ ‭with‬ ‭a‬ ‭road‬ ‭traffic‬

‭accident‬ ‭on‬ ‭18.03.2004,‬ ‭at‬ ‭10.30‬ ‭p.m.,‬ ‭while‬ ‭he‬ ‭was‬ ‭riding‬ ‭a‬

‭motorcycle‬ ‭through‬ ‭Kallai‬ ‭road‬ ‭at‬ ‭Kozhikode.‬ ‭He‬ ‭was‬ ‭knocked‬

‭down‬ ‭by‬ ‭a‬ ‭stage‬ ‭carriage‬ ‭bearing‬ ‭registration‬

‭No.KL-11/A-7677,‬‭which‬‭was‬‭owned‬‭by‬‭the‬‭2nd‬‭respondent‬‭[R1‬

‭in‬ ‭the‬ ‭OP(MV)].‬ ‭He‬ ‭suffered‬ ‭serious‬ ‭injuries‬ ‭and‬ ‭he‬ ‭was‬

‭admitted‬ ‭and‬ ‭treated‬ ‭in‬ ‭various‬ ‭hospitals‬ ‭for‬ ‭about‬ ‭153‬ ‭days.‬

‭He‬ ‭approached‬ ‭the‬ ‭Tribunal‬ ‭claiming‬ ‭only‬ ‭Rs.7,50,000/-,‬ ‭but‬

‭the‬ ‭Tribunal‬ ‭awarded‬ ‭Rs.12,24,569/-,‬ ‭which‬ ‭according‬ ‭to‬ ‭the‬

‭appellant is highly excessive.‬

‭3.‬ ‭Now‬ ‭this‬ ‭Court‬ ‭is‬‭called‬‭upon‬‭to‬‭answer‬‭whether‬‭there‬

‭is‬ ‭any‬ ‭illegality,‬ ‭irregularity‬ ‭or‬ ‭impropriety‬ ‭in‬ ‭the‬ ‭impugned‬

‭award, warranting interference by this Court.‬

‭4.‬ ‭Heard‬ ‭learned‬ ‭counsel‬ ‭for‬ ‭the‬ ‭appellant-Insurer‬ ‭and‬ ‭MACA 1040 of 2013‬ ‭4‬

‭learned counsel for the 1st respondent-claimant.‬

‭5.‬ ‭At‬ ‭the‬ ‭time‬ ‭of‬ ‭hearing,‬ ‭learned‬ ‭counsel‬ ‭for‬ ‭the‬

‭appellant,‬ ‭restricted‬ ‭his‬ ‭challenge‬ ‭to‬ ‭the‬ ‭compensation‬

‭awarded‬‭by‬‭the‬‭Tribunal‬‭towards‬‭pain‬‭and‬‭suffering‬‭and‬‭loss‬‭of‬

‭amenities.‬

‭6.‬ ‭Towards‬ ‭pain‬ ‭and‬ ‭suffering,‬ ‭learned‬ ‭Tribunal‬ ‭awarded‬

‭Rs.1,50,000/-.‬ ‭The‬ ‭appellant‬ ‭was‬ ‭a‬ ‭28‬ ‭year‬ ‭old‬ ‭man‬ ‭at‬ ‭the‬

‭time‬ ‭of‬ ‭accident.‬ ‭He‬ ‭had‬ ‭suffered‬ ‭fracture‬ ‭pelvis‬ ‭with‬ ‭soft‬

‭tissue‬ ‭injury‬ ‭over‬ ‭right‬ ‭thigh,‬ ‭right‬ ‭hip,‬ ‭right‬ ‭shoulder‬ ‭etc.,‬

‭fracture‬ ‭left‬‭iliac‬‭wing‬‭and‬‭crust,‬‭fracture‬‭to‬‭right‬‭pubic‬‭ramus,‬

‭SIJ‬ ‭disruption‬ ‭right,‬ ‭fracture‬ ‭L5‬ ‭transverse‬ ‭process‬ ‭left,‬

‭urethral‬ ‭injury‬ ‭and‬ ‭mental‬ ‭depression.‬ ‭He‬ ‭was‬ ‭treated‬ ‭at‬

‭Medical‬ ‭College‬ ‭Hospital,‬ ‭Kozhikode,‬ ‭initially‬ ‭for‬ ‭59‬ ‭days.‬

‭Thereafter,‬ ‭he‬ ‭was‬ ‭admitted‬ ‭and‬ ‭treated‬ ‭at‬ ‭BMH‬ ‭Hospital,‬

‭Kozhikode,‬ ‭Shibas‬ ‭Hospital,‬ ‭Kozhikode‬ ‭and‬ ‭Sathyasai‬ ‭Institute‬

‭at‬ ‭Puttaparthi.‬ ‭He‬ ‭had‬ ‭undergone‬ ‭seven‬ ‭major‬ ‭surgeries,‬

‭during‬ ‭the‬ ‭period‬ ‭of‬ ‭hospitalisation,‬ ‭which‬ ‭comes‬ ‭to‬ ‭153‬ ‭days‬

‭in‬ ‭total.‬ ‭Considering‬ ‭these‬ ‭facts,‬ ‭compensation‬ ‭of‬

‭Rs.1,50,000/-‬ ‭awarded‬ ‭by‬ ‭the‬ ‭Tribunal‬ ‭towards‬ ‭pain‬ ‭and‬ ‭MACA 1040 of 2013‬ ‭5‬

‭suffering,‬ ‭is‬ ‭not‬ ‭excessive,‬ ‭and‬ ‭it‬ ‭is‬ ‭only‬ ‭reasonable.‬ ‭So‬ ‭this‬

‭Court‬ ‭is‬ ‭not‬ ‭inclined‬ ‭to‬ ‭interfere‬ ‭with‬ ‭the‬ ‭compensation‬

‭awarded by the Tribunal under the head pain and suffering.‬

‭7.‬ ‭Towards‬ ‭loss‬ ‭of‬ ‭amenities,‬ ‭learned‬ ‭Tribunal‬ ‭awarded‬

‭Rs.3,00,000/-.‬‭In‬‭Ext.C1‬‭Disability‬‭Certificate,‬‭his‬‭disability‬‭was‬

‭noted‬ ‭as‬ ‭58%.‬ ‭He‬ ‭had‬ ‭incontinence‬ ‭of‬ ‭urine‬ ‭during‬ ‭day‬ ‭and‬

‭night,‬ ‭and‬ ‭was‬ ‭having‬ ‭problems‬ ‭to‬ ‭genitourinary‬ ‭system.‬ ‭He‬

‭suffered‬ ‭injury‬‭to‬‭his‬‭penis‬‭and‬‭his‬‭impotency‬‭was‬‭assessed‬‭to‬

‭be‬‭10%.‬‭He‬‭suffered‬‭erectile‬‭dysfunction‬‭also.‬‭Learned‬‭Tribunal‬

‭noted‬‭that‬‭the‬‭claimant‬‭could‬‭not‬‭live‬‭a‬‭happy‬‭married‬‭life,‬‭and‬

‭he‬ ‭lost‬ ‭his‬ ‭entire‬ ‭pleasures‬ ‭in‬ ‭life,‬ ‭and‬ ‭his‬ ‭life‬ ‭span‬ ‭got‬

‭shortened‬ ‭also.‬ ‭Even‬ ‭then,‬ ‭Rs.3,00,000/-‬ ‭awarded‬ ‭under‬ ‭the‬

‭head‬ ‭'loss‬ ‭of‬ ‭amenities'‬ ‭seems‬ ‭to‬ ‭be‬ ‭on‬ ‭the‬ ‭higher‬ ‭side.‬ ‭This‬

‭Court‬ ‭is‬ ‭of‬ ‭the‬ ‭view‬ ‭that‬ ‭Rs.2,50,000/-‬ ‭is‬ ‭just‬ ‭and‬ ‭reasonable‬

‭compensation‬ ‭towards‬ ‭loss‬ ‭of‬ ‭amenities.‬ ‭So‬ ‭the‬ ‭appellant‬ ‭is‬

‭entitled‬ ‭to‬ ‭deduct‬ ‭Rs.50,000/-‬ ‭from‬ ‭the‬‭compensation‬‭amount‬

‭awarded by the Tribunal.‬

‭8.‬ ‭Learned‬ ‭counsel‬ ‭for‬ ‭the‬ ‭appellant‬ ‭submitted‬ ‭that‬ ‭65%‬

‭of‬ ‭the‬ ‭award‬ ‭amount‬ ‭has‬ ‭been‬ ‭already‬ ‭deposited‬ ‭by‬ ‭them‬ ‭MACA 1040 of 2013‬ ‭6‬

‭before‬ ‭the‬ ‭Tribunal.‬ ‭So‬ ‭from‬ ‭the‬ ‭balance‬ ‭amount‬ ‭to‬ ‭be‬

‭deposited,‬ ‭the‬ ‭appellant‬ ‭can‬ ‭deduct‬ ‭Rs.50,000/-.‬ ‭The‬

‭appellant-Insurer‬ ‭[R2‬ ‭in‬ ‭OP(MV)]‬ ‭is‬ ‭directed‬ ‭to‬ ‭deposit‬ ‭the‬

‭balance‬ ‭amount‬ ‭with‬ ‭interest‬ ‭and‬ ‭proportionate‬ ‭costs‬ ‭as‬

‭ordered‬ ‭by‬ ‭the‬ ‭Tribunal,‬ ‭within‬ ‭a‬ ‭period‬ ‭of‬ ‭two‬ ‭months‬ ‭from‬

‭the‬‭date‬‭of‬‭receipt‬‭of‬‭a‬‭copy‬‭of‬‭this‬‭judgment.‬‭Learned‬‭Tribunal‬

‭shall‬ ‭disburse‬ ‭that‬ ‭amount‬ ‭to‬ ‭the‬ ‭1st‬ ‭respondent/claimant,‬

‭after‬‭deducting‬‭the‬‭liabilities,‬‭if‬‭any,‬‭towards‬‭tax,‬‭balance‬‭court‬

‭fee, legal benefit fund etc.‬

‭The‬ ‭appeal‬ ‭is‬ ‭allowed‬ ‭in‬‭part‬‭to‬‭the‬‭extent‬‭as‬‭above,‬‭and‬

‭no order is made as to costs.‬

‭Sd/-‬ ‭SOPHY THOMAS‬ ‭JUDGE‬ ‭DSV/-‬

 
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