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United India Insurance Company Ltd. vs Ch. L.B. Priya And Another
2025 Latest Caselaw 5326 Tel

Citation : 2025 Latest Caselaw 5326 Tel
Judgement Date : 8 September, 2025

Telangana High Court

United India Insurance Company Ltd. vs Ch. L.B. Priya And Another on 8 September, 2025

     THE HON'BLE SRI JUSTICE NARSING RAO NANDIKONDA
                M.A.C.M.A.No.201 & 441 of 2020

COMMON JUDGMENT:

M.A.C.M.A.No.201 of 2020 is preferred by the claimant

and M.A.C.M.A.No.441 of 2020 is preferred by the Insurance

Company against the Award and decree passed by the XIV

Additional Chief Judge (FTC), City Civil Court, Hyderabad,

(hereinafter referred to 'learned Tribunal') in O.P.No.1282 of

2013, dated 05.09.2019, wherein the learned Tribunal has

awarded a sum of Rs. 22,23,954/- along with 9% interest p.a.

for the injuries sustained by the claimant in an road accident

occurred on 29.12.2011.

2. For the sake of convenience, the parties will be hereinafter

referred to as they are arrayed before the learned Tribunal.

3. The brief facts of the case are that claimant earlier filed

O.P.No.1282 of 2013 under Section 166 read with Section 140

(c) of M.V.Act, 1988 seeking compensation for injuries sustained

by her. On 29.12.2011, the petitioner was proceeding towards

her residence in Maruthi Alto Car bearing No.AP-09-BF-7335

and when the petitioner was proceeding slowly on the extreme

NNR,J M.A.C.M.A.No.201 & 441 of 2020

left of the road and reached near KPHB Colony, the driver of the

Swaraj Mazda Bus bearing No.AP-28-X-8145, drove his bus with

high speed in a rash and negligent manner and took sudden

right turn without giving any signals and dashed the petitioner's

car due to which the petitioner and Sri Srikanth (Driver of the

car) sustained multiple fracture and grievous injuries all over the

body. The petitioner was taken to Anupama Hospital, KPHB,

Kukatpally for treatment. The Police registered a case, vide

Crime No.122/2011, against the Bus driver under Section 337 of

IPC.

4. The contention of the claimant before the Tribunal was

that as on the date of accident the petitioner was hale and health

and was aged about 23 years and was earning Rs.1,00,000/- per

month, as she was cine artist by profession and used work in

Modeling Industry and worked with various brands in the

markets for their promotional adds in print and electronic media

and also work as freelancer in Event management. Due to

accident, claimant suffered head injury and deep facial

lacerations on the face and undergone multiple plastic surgeries

for disfiguration of face and the petitioner face lost natural

charm for which she lost all her modeling and acting projects, for

NNR,J M.A.C.M.A.No.201 & 441 of 2020

which claimant claimed Rs.25,00,000/- for the said accident, as

compensation.

5. Before the learned Tribunal, respondent No.1-Driver of the

Bus remained ex-parte. Respondent No.2-Insurance Company

filed counter-affidavit, denying all the averments made in the

claim petition, including the manner in which the accident took

place, age, avocation and income of the petitioner and denied

that claimant was hit by Crime Vehicle and denied the

disfiguration of the face of the petitioner and contended that

there was a violation of mandatory provisions under Section 143

(c) of M.V.Act, since the respondent No.1 failed to furnish the

particulars of the policy date, time, place of accident, particulars

of injury and name of the driver and driving license particulars

and further contended that the compensation claimed is

excessive and prayed to dismiss the claim petition.

6. Basing on the pleadings and averments made by both the

counsels, the learned Tribunal framed the following issues which

reads as under:

i) Whether the accident took place due to rash and negligent driving of the vehicle bearing No.AP-28-X-8145 causing injuries to the petitioner?

ii) Whether the petitioner is entitled for compensation? If so, to what extent and from whom?

NNR,J M.A.C.M.A.No.201 & 441 of 2020

iii) To what relief?

7. During the course of trial, PWs.1 to 4 were examined and

Exs.A1 to A30 and Ex.X1 are marked on behalf of the claimant.

Ex.B1 is marked on behalf of respondents. After perusing the

oral and documentary evidences and going into the entire record

and the evidences placed by both the parties, the learned

Tribunal allowed the claim petition in part and granted

compensation of Rs.22,23,954/- along with interest @ 9 % per

annum.

8. Being unsatisfied and aggrieved by the compensation

amount awarded by the learned Tribunal, the present appeals

were filed by both the claimant and respondent No.2-Insurance

Company.

9. Learned counsel for the claimant submits that there is no

dispute with regard to accident and the injuries sustained by the

petitioner. The petitioner was 23 years at the time of the accident

and she was quite hale, healthy and after Graduation, the

petitioner joined Paulus Software Technologies Private Limited as

associate work. It is contended that the petitioner was very

beautiful and was having attracting natural face due to which he

was selected as freelancer in Event Management by big

NNR,J M.A.C.M.A.No.201 & 441 of 2020

companies, thereafter she got an opportunity to excel talent and

skill in modelling industry, where she got offer roles in Telugu

and Tamil Movies. The petitioner went to abroad for shooting of

the movies for about two month and day by day petitioner was

becoming famous as a Model, Anchor, Event Manger and Movie

Artist and the petitioner participated in many TV channels and

advertisements and she had done nearly 174 programmes as

Event Manger and her work were reflected in the newspapers

and magazines (Ex.A27 to Ex.A30) and the petitioner used to

earn Rs.20,000/- per month.

10. Learned counsel for the claimant further contended that

due to accident, the petitioner suffered multiple lacerations over

right cheek scalp and right eye brow, total facial injuries causing

disfiguration of face and other injuries on all over the body. After

the accident, the petitioner was shifted to Anupama Hospital,

Hyderabad and admitted in the hospital as inpatient from

29.12.2011 to 30.12.2011 and was under IV antibiotics,

analgesics, antipyretics. Thereafter, the petitioner undergone

multiple surgeries for the disfiguration of face and underwent

surgery for her eye-lid. The petitioner has spent huge amount for

the surgeries, extra-nourishment, private attendant, hospital

NNR,J M.A.C.M.A.No.201 & 441 of 2020

charges. As her face was badly injured and become un-

appeaseable, the petitioner career went completely down and the

petitioner lost all her projects and suffered financially and

mentally.

11. Learned counsel for the claimant further submits that the

learned Tribunal having accepted the contention of the claimant

that the accident occurred due to rash and negligent driving of

the crime bus and also accepted the fact that the petitioner

suffered huge financial loss and suffered 100% disability due to

face disfiguration, but the learned Tribunal has wrongly taken

the income of the petitioner on lower side without considering

the income certificate i.e., Ex.A17 to A30 and also oral evidence

of PW4-Sri Kottu Babu, Production and fixed notional monthly

income of the petitioner as Rs.7,000/- per month and granted

less compensation. The learned Tribunal had wrongly deducted

1/3rd towards personal expenses which is against the law, as in

injury case there shall not be any deductions towards personal

expenses and also granted meager compensation under various

heads and prayed this Court to enhance the compensation

amount.

NNR,J M.A.C.M.A.No.201 & 441 of 2020

12. Per contra, learned counsel for Insurance Company

contended that the learned Tribunal erred in awarding the

excessive and exorbitant compensation of Rs.22,23,954/- along

with 9% interest p.a., and the learned Tribunal grossly erred in

awarding the compensation of Rs.14,11,128/- in the absence of

disability certificate by considering 100% disability and loss of

earning in the absence of documentary evidence and further

submitted that the claimant failed to prove that the loss of future

earnings and the non-availability of future opportunities in her

career.

13. Learned counsel for the Insurance Company further

contended that Tribunal has awarded Rs.5,00,000/- towards

pain and sufferance for simple injures in the absence of

pleadings and Rs.2,00,000/- towards loss of amenities and erred

in awarding the compensation of Rs.22,23,954/- along with 9%

interest per annum under all heads which is highly excessive

and exorbitant and accordingly prayed this Court to set aside the

order passed by the Tribunal and allow the appeal filed by the

Insurance Company.

NNR,J M.A.C.M.A.No.201 & 441 of 2020

14. Heard Sri P.Ramakrishna Reddy, learned counsel for the

claimant and Sri V.Sambasiva Rao, learned counsel for the

Insurance Company. Perused the material on record.

15. Admittedly, the both the parties have filed appeals against

the Award passed by the learned Tribunal. As such, there is

dispute regarding liability of the respondents and income of the

petitioner. Therefore, the points which arose before this Court in

the present appeal and cross appeal are that:

i) Whether the respondents can be exonerated from their liability? If so to what extent?

ii) Whether the Tribunal has rightly assessed the income of the petitioner.

iii) Whether the petitioners are entitled for the enhanced compensation, if so, to what extent?

Point Nos:1 to 3

16. Admittedly, the petitioner suffered grievances injuries on

the face and all over the body due to accident occurred on

29.12.2011. The petitioner was a cine artist as on the date of

accident. Ex.A1 and A2 i.e, FIR and Charge-sheet shows that

driver of the Crime Bus bearing No.AP-28-X-8145 as accused.

The bus driver have admitted the offenses before the learned IX

Metropolitan Magistrate at Kukatpally, Cyberabad on 26.05.2012

in C.C.No.174/2012 and paid fine of Rs.500/-, however the

NNR,J M.A.C.M.A.No.201 & 441 of 2020

driver of the crime bus did not appear or file counter-affidavit

denying the charges leveled against him before the Tribunal or

before this Court. Therefore, it can be safely arrived that the

accident occurred due to rash and negligent driving of the driver

of Bus bearing No.AP-28-X-8145, hence the respondents cannot

be exonerated from their liability. Accordingly Point No.1 is

answered in favour of claimant and against respondents.

17. As far as compensation is concerned, the petitioner before

the learned Tribunal has stated she used to earn about

Rs.20,000/- per month, however as per Ex.A25, the total income

of the petitioner was shown as Rs.1,84,000/- per annum. On

keen perusal of the Ex.A25, one Sai Mohan-Le Associate has

issued the said Ex.A25, but there is no date of issuance of said

certificate and also there is no heading for issuance of such

certificate, nevertheless the petitioner has not filed any Income

Tax acknowledgment receipt issued by the Government of India,

which will be provided after filing of Income Tax return and also

the petitioner has not examined the said person who issued

Ex.A25. The learned Tribunal has taken the income of the

petitioner as Rs.7,000/- which appears to be reasonable and

needs no interference.

NNR,J M.A.C.M.A.No.201 & 441 of 2020

18. The learned Tribunal relied upon the ruling laid down in

Rekha National Insurance Company Limited 1 wherein, it was

held that 100% functional disability shall be taken, even without

100% disability certificate, while accessing disability for the

actress who cannot work in films or Television Serials in future

due to injuries sustained on the fair and the relevant paragraphs

are extracted for read reference:

"38. For a film actress, the physical appearance particularly the facial features are very important to act in the films and in T.V. serials. It is in her evidence that on account of the accident her face was disfigured, she has put on weight and has become fat and therefore she is unable to perform the role as an actress in films in future. Having regard to the nature of vocation she has been carrying on and wishes to carry on with in future, the opportunity is lost on account of the disfigurement of her face, to act in the films as an actress either as a heroine or actress in supporting role or any other role to be played in T.V. serials, albums and also as a model. It is in the evidence of the appellant that as per the District Medical Board of Sambalpur, her permanent disability is 30%. Having regard to the nature of injuries and observations made by this Court and Karnataka High Court in the cases referred to supra, we have to record a finding of fact that the appellant's permanent disability should be treated as 100% functional disablement as she cannot act in the films and in T.V. serials in future at all. Therefore, on account of the

2013 ACJ 2161 (SC)

NNR,J M.A.C.M.A.No.201 & 441 of 2020

aforesaid reasons, she has suffered functional disability. In this regard, it is relevant to refer to the judgment of this Court in the case of National Insurance Company Ltd. V. Mubasir Ahmed[15]. This Court has held that loss of earning capacity is not a substitute for percentage of physical disablement. It is simply one of the factors taken into account to award just and reasonable compensation. Even though the claimant does not suffer from 100% physical permanent disability, he suffers from 100% functional disability if he loses the capacity to pursue his work as a result of the accident. It is worthwhile to extract paragraph no. 8 from the aforesaid judgment which reads as under:

"8. Loss of earning capacity is, therefore, not a substitute for percentage of the physical disablement. It is one of the factors taken into account. In the instant case the doctor who examined the claimant also noted about the functional disablement. In other words, the doctor had taken note of the relevant factors relating to loss of earning capacity. Without indicating any reason or basis the High Court held that there was 100% loss of earning capacity.""

19. In view of the judgment cited above, the learned Tribunal has

rightly taken the 100% functional disability, as the petitioner's face

was disfigure and for the film actress or cine artist, the physical

appearance particularly the facial features are very important to

act in films.

NNR,J M.A.C.M.A.No.201 & 441 of 2020

20. The learned Tribunal granted Rs.42,000/- towards loss of

earning, Rs.5,00,00/- towards pain and sufferance,

Rs.2,00,000/- towards loss of amenities and Rs.67,954/-

towards medical expenses and Rs.10,000/- awarded under

transport and other expenditure which appears to be reasonable

and on ground realties and needs no interference.

21. The learned Tribunal has deducted 1/3rd of personal

expenses from the notional income of the petitioner, which ought

not have been deducted and the personal deduction applies in

death cases. In Rahul Ganpatrao Sable vs Laxman Maruti

Jadhav (non-reportable) 2, dated 05.07.2023 held that there

could not be any justification for deduction of personal expenses

in the injury cases and the relevant paragraph is extracted

hereunder for ready reference:

"The High Court deducted 50% of compensation towards personal expenses. The present case being not of death and the claim not being made by the dependents, but the same being by a survivor in the accident with severe injuries resulting into permanent disability, there could not be any justification for deduction of personal expenses. We do not approve the said deduction in view of the judgment of this Court in the case of Lalan D. (supra)."

NNR,J M.A.C.M.A.No.201 & 441 of 2020

22. Hence considering the above judgment, it can be safely

arrived that it is well established principle that claimant is

entitled for full notional income without any personal dedication

in injury cases.

23. On overall re-appreciation of the pleadings, material on

record and the law laid down by the Hon'ble Supreme Court in

the above cited decisions this Court is of the opinion that the

claimant is entitled for enhancement of compensation as

modified and recalculated as below and given in the table for

easy reference.

24. The monthly income of the petitioner can be notionally

taken as Rs.7,000/- per month. Apart from that, as per the

decision of Hon'ble Supreme Court in National Insurance

Company Limited Vs. Pranay Sethi and others 3 and

considering the age of the petitioner as 23 years, which is not

disputed by either of the parties, additional 40% of the income

has to be added towards future prospects to the monthly income

of the petitioner. Therefore, the monthly income of the petitioner

would come to Rs.9,800/- (Rs.7,000/- + Rs.2,800/-) and the

3 2017 ACJ 2700

NNR,J M.A.C.M.A.No.201 & 441 of 2020

annual income of the petitioner would come to Rs.1,17,600/-

(Rs.9,800/- x 12 months).

25. As per the column No.4 of Table fixed in the judgment of

the Hon'ble Apex Court in Sarla Verma v. Delhi Transport

Corporation 4, and considering the age of the petitioner as 23

years, the appropriate multiplier applicable for the petitioner's

age is '18'. Thus, the total loss of income the petitioner would

come with 100% disability come to Rs.21,16,800/- (117,600/- x

18 x 100%).


              Head         Amount arrived at by the      Amount arrived at by this
                                  Tribunal                       Court

 Loss of future earning         Rs.14,11,128/-               Rs.21,16,800/-
on account of disability

      Six Month Loss of
                                  Rs.42,000/-                  Rs.42,000/-
          earnings
     Pain and Sufferance         Rs.5,00,000/-                Rs.5,00,000/-
      Loss of amenities          Rs.2,00,000/-                Rs.2,00,000/-
      Medical Expenses            Rs.67,954/-                  Rs.67,954/-
Transportation and other          Rs.10,000/-                  Rs.10,000/-
       expenses
         Total                  Rs. 22,31,082/-              Rs. 29,36,754/-
                           Rounded off to 22,23,954/-



26. Accordingly, the M.A.C.M.ANo.201 of 2020 filed by the

claimant is allowed and M.A.C.M.A. No.441 of 2020 filed by the

Insurance Company is dismissed. The claimant is entitled for an

compensation of Rs. 29,36,754/- (Twenty Nine Lakh Thirty

2009 ACJ 1298 (SC)

NNR,J M.A.C.M.A.No.201 & 441 of 2020

Six Thousand and Seven Hundred and Fifty Four Rupees

only) with interest at the rate @ 9 % p.a. on the enhanced

amount from the date of petition till the date of realization. The

respondents are directed to deposit the said amount together

with costs and interest after giving due credit to the amount

already deposited, if any, within two months from receipt of a

copy of this judgment. On such deposit, the claimant is entitled

to withdraw the same without furnishing any surety. However,

the claimant is directed to pay the Deficit Court Fee on the

enhanced amount within two months from the date of receipt of

a copy of this judgment. There shall be no order as to costs.

27. Miscellaneous petitions, if any are pending, shall stand

closed.

_________________________________ NARSING RAO NANDIKONDA, J 08.09.2025 SHA

 
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