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The Oriental Insurance Co. Ltd vs Premachandran Nair
2025 Latest Caselaw 5286 Ker

Citation : 2025 Latest Caselaw 5286 Ker
Judgement Date : 19 March, 2025

Kerala High Court

The Oriental Insurance Co. Ltd vs Premachandran Nair on 19 March, 2025

MACA No.360 of 2021
& 2582 of 2020                   1                2025:KER:24536



               IN THE HIGH COURT OF KERALA AT ERNAKULAM

                               PRESENT

                THE HONOURABLE MR. JUSTICE EASWARAN S.

    WEDNESDAY, THE 19TH DAY OF MARCH 2025 / 28TH PHALGUNA, 1946

                         MACA NO. 360 OF 2021

         AGAINST THE AWARD DATED 28.7.2020 IN O.P.(M.V.) NO.312 OF

2015 OF MOTOR ACCIDENT CLAIMS TRIBUNAL, NEYYATTINKARA


APPELLANTS/PETITIONERS :
     1     PREMACHANDRAN NAIR
           AGED 60 YEARS
           S/O. KRISHNAN PILLAI, KRISHNAKRIPA,
           KRISHNA NAGAR, NEYYATTINKARA P.O,
           PIN 695 121

     2       SARASAKUMARI,
             AGED 53 YEARS
             W/O. PREMACHANDRAN NAIR,
             RESIDING AT DO DO
             BY ADVS.
             RINU. S. ASWAN
             SMT.M.ARDRA KRISHNAN

RESPONDENT/RESPONDENTS :

     1       MANI @ MANIYAN, AGE NOT KNOWN,
             S/O. THANKAYYAN, 3/695,
             KUNDUVILA KEEZHE PUTHENVEEDU,
             PARASUVAIKAL, PARASSALA P.O,
             TRIVANDRUM DISTRICT PIN 695 502

     2       M/S. ORIENTAL INSURANCE CO.LTD,
             REPRESENTED BY ITS MANAGER, NEAR KSRTC BUS STAND,
             NEYYATTINKARA 695 121

             SMT. LATHA SUSAN CHERIAN

      THIS MOTOR ACCIDENT CLAIMS APPEAL HAVING COME UP FOR HEARING
ON 19.03.2025, ALONG WITH MACA NO.2582/2020, THE COURT ON THE SAME
DAY DELIVERED THE FOLLOWING:
 MACA No.360 of 2021
& 2582 of 2020                      2             2025:KER:24536


               IN THE HIGH COURT OF KERALA AT ERNAKULAM

                               PRESENT

                THE HONOURABLE MR. JUSTICE EASWARAN S.

    WEDNESDAY, THE 19TH DAY OF MARCH 2025 / 28TH PHALGUNA, 1946

                        MACA NO. 2582 OF 2020

         AGAINST THE AWARD DATED 28.07.2020 IN O.P.(M.V.) NO.312 OF

2015 OF MOTOR ACCIDENT CLAIMS TRIBUNAL, NEYYATTINKARA


APPELLANT/2ND RESPONDENT :

             THE ORIENTAL INSURANCE CO. LTD.,
             NEAR KSRTC BUS STAND, NEYYATTINKARA,
             REPRESENTED BY ITS REGIONAL MANAGER,
             REGIONAL OFFICE, ERNAKULAM NORTH, KOCHI-18.


             BY ADVS.
             GEORGE CHERIAN (SR.)
             SRI.GEORGE A.CHERIAN
             SRI.ALEXY AUGUSTINE


RESPONDENTS/APPLICANTS :

     1       PREMACHANDRAN NAIR
             AGED 60 YEARS
             S/O KRISHNAPILLA, KRISHNAKRIPA,
             KRISHNA NAGAR, NAYYATTINKARA P O, PIN-695121.

     2       SARASAKUMARI @ SUDHA
             AGED 53 YEARS
             W/O PREMACHANDRAN NAIR, KRISHNAKRIPA,
             KRISHNA NAGAR, NAYYATTINKARA P O, PIN-695121.

             BY ADVS.
             SRI.RINU. S. ASWAN
             SMT.M.ARDRA KRISHNAN

      THIS MOTOR ACCIDENT CLAIMS APPEAL HAVING COME UP FOR HEARING
ON 19.03.2025, ALONG WITH MACA NO.360/2021, THE COURT ON THE SAME
DAY DELIVERED THE FOLLOWING:
 MACA No.360 of 2021
& 2582 of 2020                     3               2025:KER:24536


                               JUDGMENT

Both these appeals arise out of the common award in

O.P.(M.V.) Nos.312 of 2015 and 326 of 2015 on the files of the Motor

Accidents Claims Tribunal, Neyyattinkara.

2. The brief facts necessary for the disposal of these appeals

are as follows:

On 31.1.2015 at about 4 p.m., one Nithin, the son of the

claimants was riding a motorcycle bearing registration

No.KL-01-BM-8742 through the Parassala -Neyyattinkara road,

and when he reached near Parasuvaikal village office, a mini lorry

bearing registration No. KL-19-B-883 which came from a by-road

hit against the motorcycle. The deceased Nithin, who was the rider

of the motorcycle was aged only 22 years and a trainee captain at

the time of accident. It is also contended that the deceased Nithin

had obtained BSS Diploma in Hotel Management and Catering and

was earning a monthly income of Rs.20,000/- per month. The claim

petition was tried along with the claim petition filed by

Smt.Sarasakumari, the pillion rider of the motorcycle and the

documents produced by the claimants before the tribunal were

marked as Exts.A1 to A12. The tribunal, after examining the

material evidence on record, found that the claimants could not

& 2582 of 2020 4 2025:KER:24536

succeed in proving the income of the deceased Nithin, fixed the

income at Rs.18,000/- and added 50% of the income towards future

prospects thereby, the total amount of Rs.27,000/- was taken to

calculate the compensation towards loss of dependency. The

tribunal also deducted 50% of the aforesaid amount for his

personal expenses as he was a bachelor at the time of the accident

and awarded compensation as follows:

Sl.No. Head of Claim Amount Amount Basic vital claimed awarded details in a nut (in ₹) (in ₹) shell 1 Loss of dependency 20,00,000 29,16,000 13,500x12x

2 Loss of consortium 2,00,000 80,000 3 Loss of estate 2,00,000 15,000 4 Loss of love and 10,00,000 ---

affection 5 Loss of pain and 1,00,000 ----

suffering 6 Medical expenses 3,00,000 --- 7 Transport to hospital 15,000 3,000 8 Funeral expenses 50,000 15,000 9 Damage to clothing 2,000 2,000 10 Extra nourishment 13,000 6,000 11 Byestander's expenses 20,000 3,000 Total 30,40,000 ₹30,40,000/- with 8% interest per annum from 13.04.15 till realisation

3. The claimants are in appeal contending that the income

fixed by the tribunal is incorrect whereas the insurance company

contended that the tribunal ought not have fixed 50% future

prospects instead of 40%.

& 2582 of 2020 5 2025:KER:24536

4. Heard Sri. Rinu S Aswan, the learned counsel appearing

for the appellants/claimants in M.A.C.A No.360 of 2021 and

Smt. Latha Susan Cherian, the learned counsel appearing for the

insurance company in M.A.C.A No.2582 of 2020.

5. On a consideration of the rival submissions raised across

the Bar, this Court finds considerable force in the argument of the

learned counsel appearing for the insurance company that going

by the principles laid down by the Supreme Court in National

Insurance Company vs. Pranay Sethi [2017 (4) KLT 662 SC], the

tribunal could not have fixed 50% of the income towards future

prospects. Hence, to that extent, the insurance company is entitled

to succeed.

6. Coming to the claim for enhancement of compensation on

account of the death of Sri. Nithin is concerned, this Court finds

from the averments in the claim petition that the claimants have

specifically contended that the deceased was earning an amount of

Rs.20,000/- as his monthly income. In Sanjay Kumar v. Ashok

Kumar and Another [2014 (5) SCC 330], the honourable Supreme

Court has held that even in the absence documentary evidence, if

the amount claimed by the claimant is not exorbitant to the ground

realities, the same could be taken.

& 2582 of 2020 6 2025:KER:24536

7. In this context, it is pertinent to mention that going by the

certificate issued by the Bharat Sevak Samaj, (National

Development Agency, promoted by Government of India), the

deceased Nithin had successfully completed BSS Diploma in Hotel

Management and Catering Technology. Considering the job

prospects of a Diploma Holder in Hotel Management and Catering,

this Court cannot find otherwise that the claim of the appellants

for fixation of income at Rs.20,000/- is unreasonable. Accordingly,

this Court finds that the appellants are entitled to have the income

of the deceased Nithin fixed at Rs.20,000/-.

8. As an upshot of these discussions, M.A.C.A. No.2582 of

2020 preferred by the insurance company is allowed. M.A.C.A.

No.360 of 2020 is also allowed. The appellants are entitled to get

enhanced compensation as follows:

   Head of claim         Amount         Amount       Enhanced
                         awarded by awarded by compensation
                         the Court      the tribunal

Income of the deceased is fixed at Rs.20,000/-+ 40% future prospects =28,000/-

   Loss of dependency      30,24,000      29,16,000    1,08,000
                          28,000x12x

   Loss of consortium        96000          80000        16000
   Loss of estate            18000          15000        3000
   Funeral expenses          18000          15000        3000
   Pain and sufferings       15000           ------      15000
   Total                                               1,45,000

& 2582 of 2020                  7                 2025:KER:24536

Accordingly, the appellants are entitled to get an amount of

Rs.1,45,000/- (Rupees One Lakh Forty Five Thousand only) as

enhanced compensation with 8% interest per annum from the date

of petition (13.4.2015) till realization with proportionate cost. The

appellants shall furnish the details of their bank account to the

insurance company for deposit of the amount. The insurance

company shall deposit the amount in the bank account of the

appellants within a period of two months from the date of receipt

of a copy of this judgment.

Appeal ordered accordingly.

Sd/-

EASWARAN S. JUDGE NS

 
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