Friday, 08, May, 2026
 
 
 
Expand O P Jindal Global University
 
  
  
 
 
 

Chola Ms General Insurance ... vs Santhi
2022 Latest Caselaw 809 Mad

Citation : 2022 Latest Caselaw 809 Mad
Judgement Date : 19 January, 2022

Madras High Court
Chola Ms General Insurance ... vs Santhi on 19 January, 2022
                                                                                 CMA(MD)No.702 of 2020



                           BEFORE THE MADURAI BENCH OF MADRAS HIGH COURT

                                                DATED: 19.01.2022

                                                     CORAM:

                                  THE HONOURABLE MRS.JUSTICE S.ANANTHI

                                           CMA(MD)No.702 of 2020 &
                                            CMP(MD)No.7102 of 2020

                     Chola Ms General Insurance Company limited,
                     Tab Complex, Cantonment, Trichy - 15.                        ... Appellant

                                                         vs.

                     1.Santhi
                     2.Divya
                     3.Biju Thomas                                             ... Respondents

                     PRAYER : Civil Miscellaneous Appeal filed under Section 173 of the
                     Motor Vehicles Act, 1988 to set aside the Judgment and Decree dated
                     02.01.2020 in MCOP.No.1097 of 2016 on the file of the Motor Accidents
                     Claims Tribunal, Special District Court, Trichirapalli.




                                   For Appellant       :Mr.K.R.Shivashankari

                                   For Respondents     :Mr.N.Sudhagar Nagaraj for R1 & R2
                                                        No appearance for R3




https://www.mhc.tn.gov.in/judis
                     1/8
                                                                                 CMA(MD)No.702 of 2020



                                                      JUDGMENT

The appellant filed this appeal against the Judgment and Decree

dated 02.01.2020 in MCOP.No.1097 of 2016 on the file of the Motor

Accidents Claims Tribunal, Special District Court, Trichirapalli.

2. On 04.10.2015, the deceased Elangovan was riding a bicycle

along Trichy - Thanjavur main road near Rahmath Hotel, Thuvakudi. At

about 01.45 am, an Innova Car bearing bearing Registration No.KL 06 G

3168 came in a rash and negligent manner and dashed against the

bicycle, as a result of which, the deceased Elangovan sustained multiple

fatal injuries and died on the spot.

3. The respondents 1 and 2, who are the wife and daughter of the

deceased Elangovan filed MCOP.No.1097/2016, claiming compensation

for the demise of Elangovan. The Tribunal after analysing the oral and

documentary evidences on record, awarded a sum of Rs.13,37,600/-

together with interest at the rate of 7.5% per annum, as compensation and

fixed the liability on the appellant herein. Questioning the quantum of

compensation awarded by the Tribunal, the appellant has preferred this

appeal.

https://www.mhc.tn.gov.in/judis

CMA(MD)No.702 of 2020

4. The learned counsel for the appellant would submit that as per

the records, the salary of the deceased was only a sum of Rs.8,450/-.

However, the Tribunal fixed an exorbitant sum of Rs.12,000/- as monthly

income and awarded a sum of Rs.11,61,600/- towards loss of

dependency. Hence, he prayed for reducing the quantum of

compensation awarded by the Tribunal.

5. The learned counsel for the respondents 1 and 2 would submit

that the Tribunal after analyzing the oral and documentary evidences on

record, arrived at a just compensation and the same need not be reduced.

6. As per the Pay Slips Ex.X4 Series, the monthly salary of the

deceased Elangovan was Rs.8,450/- for the period from April 2015 to

September 2015. According to the evidence of PW3, the salary of the

deceased was a sum of Rs.10,838/- per month. As per the Salary

Certificate Ex.X3, the salary of the deceased was Rs.12,000/- per month.

The Tribunal fixed the salary of the deceased at Rs.12,000/- per month

based on the Salary Certificate Ex.X3. As mentioned above, the Pay

Slips Ex.X4 Series shows that the salary of the deceased was Rs.8,450/-

per month for the period from April 2015 to September 2015. Since, the

accident had occurred in the month of October 2015, this Court is of the https://www.mhc.tn.gov.in/judis

CMA(MD)No.702 of 2020

considered opinion that relying on Ex.X4 Series would be more

justifiable, since, the Series includes the Pay Slip for the month of

September 2015, which is the month before the accident. Hence, the

monthly salary of the deceased is fixed as Rs.8,500/-. The age of the

deceased was 52 years on the date of the accident. As per the decision of

the Hon'ble Supreme Court in National Insurance Co. vs Pranay sethi and

others reported in 2017 (2) TNMAC 601, 10% should be added towards

the future prospects of the deceased. Therefore, Rs.8,500/- + Rs.850/-

(10% of Rs.8,500/-) = Rs.9,350/-. The wife and daughter of the deceased

were depending on the income of the deceased and hence, 1/3rd of the

income deducted by the Tribunal towards the personal expenses of the

deceased is confirmed. Hence, it would amount to Rs.9,350/- x 1/3

deduction = Rs.6,234/-. Further, the multiplier 11 adopted by the

Tribunal is also hereby confirmed. Thus, the loss of dependency would

come to Rs.6,234/- x 12 x 11 = Rs.8,22,888/-. The Tribunal awarded loss

of consortium at Rs.40,000/- to each claimants and also awarded loss of

love and affection at Rs.60,000/-. Both the aforesaid heads are same and

hence a sum of Rs.60,000/- awarded towards loss of love and affection is

hereby set aside. Rs.40,000/- awarded to the claimants towards loss of

consortium and loss of parental consortium respectively is hereby

confirmed. All the other heads awarded by the Tribunal are hereby https://www.mhc.tn.gov.in/judis

CMA(MD)No.702 of 2020

confirmed. The award passed by this Court under various heads is

extracted hereunder:

                                  S.No.                 Head                         Amount granted
                                                                                      by this court
                                  1.       Loss of dependency                         Rs.8,22,888/-
                                  2.       Consortium       to     the       first     Rs.40,000/-
                                           respondent
                                  3.       Parental consortium to the second           Rs.40,000/-
                                           respondent
                                  4.       Transport Expenses                           Rs.6,000/-
                                  5.       Funeral Expenses                            Rs.15,000/-
                                  6.       Loss of Estate                              Rs.15,000/-
                                  Total                                               Rs.9,38,888/-




7. The learned counsel for the appellant would submit that the

appellant/Insurance Company has already deposited the entire

compensation amount to the credit of MCOP.No.1097/2016 on the file of

the Motor Accidents Claims Tribunal, Special District Court,

Trichirapalli.

https://www.mhc.tn.gov.in/judis

CMA(MD)No.702 of 2020

8. In the result,

(i) The Civil Miscellaneous Appeal is partly allowed. No costs.

Consequently, the connected Miscellaneous Petition is closed.

(ii) The quantum of compensation awarded by the Tribunal is

reduced from Rs.13,37,600/- to Rs.9,38,888/-, with interest at the rate of

7.5% per annum.

(iii) Since the amount has already been deposited by the

appellant/Insurance Company, the respondents 1 and 2 / claimants are at

liberty to withdraw the same along with proportionate interest and costs

after following due process of law. The apportionment granted by the

Tribunal shall be kept intact.

(iv) The appellant/Insurance Company is at liberty to withdraw the

amount that is in excess of the amount awarded by this Court together

with proportionate interests and costs after following due process of law.

19.01.2022

Index : Yes/No Internet : Yes/No

mbi

https://www.mhc.tn.gov.in/judis

CMA(MD)No.702 of 2020

To

The Motor Accident Claims Tribunal, Special District Court, Trichirapalli.

https://www.mhc.tn.gov.in/judis

CMA(MD)No.702 of 2020

S.ANANTHI, J.

mbi

CMA(MD)No.702 of 2020

19.01.2022

https://www.mhc.tn.gov.in/judis

 
Download the LatestLaws.com Mobile App
 
 
Latestlaws Newsletter
 

Publish Your Article

 

Campus Ambassador

 

Media Partner

 

Campus Buzz

 

LatestLaws Guest Court Correspondent

LatestLaws Guest Court Correspondent Apply Now!
 

LatestLaws.com presents: Lexidem Offline Internship Program, 2026

 

LatestLaws.com presents 'Lexidem Online Internship, 2026', Apply Now!

 
 

LatestLaws Partner Event : IJJ

 

LatestLaws Partner Event : Smt. Nirmala Devi Bam Memorial International Moot Court Competition

 
 
Latestlaws Newsletter