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The Oriental Insurance Company Ltd vs Khudeja Bibi
2025 Latest Caselaw 31 Tri

Citation : 2025 Latest Caselaw 31 Tri
Judgement Date : 7 May, 2025

Tripura High Court

The Oriental Insurance Company Ltd vs Khudeja Bibi on 7 May, 2025

                   HIGH COURT OF TRIPURA
                         AGARTALA
                   MAC APP No.53 of 2024
  The Oriental Insurance Company Ltd.,
  Rajbari, Dharmanagar, North Tripura,
  (Insurer of Vehicle No.TR-05A-8691 motor cycle)
                                                ----Appellant (s)
                             Versus
  1. Khudeja Bibi,
     65 years (mother of the deceased),
     Wife of Late Chad Uddin
  2. Mamata Begam,
     12 years (daughter of deceased),
     Daughter of Late Abdul Sahid,
     Both are resident of Khudrakandi,
     P.O. Uptakhali, PS: Panisagar,
     North Tripura, PIN:799 260
                                    ---- Claimant-Respondent (s)

3. Md. Safik Uddin, Son of Md. Abdul Gofur, Resident of village & P.O.: Uptakhali, P.S. Panisagar, District: North Tripura, PIN:799 260 (Owner of Motor Cycle bearing No.TR-05A-8691)

---- Owner-Respondent (s) For Appellant(s) : Mr. Karnajit De, Adv.

For Respondent(s)       :    None.
Date of Hearing &
Date of delivery of
Judgment and Order      :    07.05.2025
Whether fit for
Reporting               :    YES


           HON'BLE MR. JUSTICE BISWAJIT PALIT

                   Judgment & Order(Oral)

This appeal is preferred by the Insurance Company i.e.

Oriental Insurance Company Limited challenging the

judgment and award dated 18.10.2023 delivered by

Learned Member, Motor Accident Claims Tribunal, North

Tripura, Dharmanagar. By the said judgment and award

Learned Tribunal awarded a sum of Rs.15,73,600/- in

favour of the claimant-petitioners i.e. the respondents

herein with 6% interest p.a. from the date of filing the claim

petition i.e. w.e.f. 06.04.2018 to till the date of realization.

02. Heard Learned counsel Mr. Karnajit De appearing

on behalf of the appellant insurance company. But none

appeared on behalf of the respondent-claimants at the time

of hearing of argument although notices were duly served

upon the respondents.

03. At the time of hearing Learned counsel for the

appellant insurance company drawn the attention of the

court referring para No.15 of the award and submitted that

by the said award Learned Tribunal below has awarded a

sum of Rs.20,000/- towards loss of estate, Rs.1,00,000/-

for loss of love and affection and also Rs.20,000/- towards

funeral expenses. According to the principle of law laid down

by the Hon'ble Apex Court in United India Insurance

Company Limited vs. Satinder Kaur and Others

reported in (2021) 11 SCC 780 specifically in para No.34

and 35 there is no scope to award any amount towards

"loss of love and affection". But the Learned Tribunal below

ignoring the principle of law laid down by the Hon'ble Apex

Court awarded the said amount which needs to be deleted

from the total amount of award. Learned Counsel for the

appellant further drawn the attention of the court that as

per judgment of the Hon'ble Supreme Court in National

Insurance Company Limited vs. Pranay Sethi and

Others reported in (2017) 16 SCC 680 in para No.52 only

Rs.15,000/- was awarded towards loss of estate,

Rs.40,000/- towards loss of consortium and Rs.15,000/-

towards funeral expenses with a further direction that there

should be an enhancement of 10% of the said amount in a

span of three years. But surprisingly Learned Tribunal below

without assigning any reason awarded a sum of Rs.20,000/-

towards loss of estate and further awarded Rs.20,000/-

towards funeral expenses which also needs to be modified.

Learned Counsel further submitted that if the Tribunal ought

to have increase 10% within a span of three years still in

that case there is no scope to award that amount. But the

Learned Tribunal below awarded Rs.20,000/- towards

funeral expenses, and Rs.20,000/- towards loss of estate

which also needs to be modified. Learned Counsel for the

appellant further submitted that the appellant insurance

company has got no other grievances regarding the award

awarded by the Tribunal. So he urged for modification of the

award. As already stated none appeared for the respondents

at the time of hearing of argument in spite of receipt of

notices.

04. The respondent-claimant petitioners have filed

one claim petition to the Learned Tribunal below alleging

inter alia that on 08.05.2017 at about 11.00 hours while

deceased Anuara Begam, wife of Late Abdul Sahid of

Khudrakandi, P.O. Uptakhali, PS Panisagar, North Tripura

was going to her ancestral house at Khudrakandi from

Uptakhali market through NH 44 by a motor cycle bearing

No.TR 05A-8691 as a pillion rider which was being driven

being recklessly by Md. Safik Uddin, the owner of the

vehicle and when they reached at Khudrakandi just about

200 meters away to her destination suddenly the rider of

the motor cycle hold the brake. As a result of which said

Anuara Begam fell down on the road and received grievous

injury on her person specifically on the head and

immediately she was brought to Uptakhali PHC from where

she was referred to Dharmanagar District Hospital and

finally she was referred to GBP Hospital, Agartala. But in

course of her treatment at GBP Hospital on 11.05.2017 she

succumbed to her injuries. Post-mortem examination was

conducted over the dead body of the deceased and after

that the dead body was handed over to the relatives for

cremation. According to the claimant-petitioners the

accident took place due to rash and negligent driving by Md.

Safik Uddin, the owner cum rider of the bike. It was further

submitted that Anuara Begam married with one Abdul Sahid

and during their conjugal life a child was begotten namely

Mamata Begam in the year 2006. But in the year 2007

suddenly Md. Abdul Sahid expired and Anuara Begam

became alone in her life and after that she took shelter in

her parental house at Khudrakanti along with Mamata

Begam wherein the mother of the deceased used to reside.

Hence since 2008 to 2017 said Anuara Begam and her

daughter Mamata Begam started living with Khudeja Bibi till

the date of accident. The mother of the deceased Khudeja

Bibi was taking care and maintaining her grand-daughter

depending upon the income of Anuara Begam, but after the

death of Anuara Begam both the claimants became helpless

and Khudeja Bibi became the guardian of the claimant No.2

who is the minor daughter of Anuara Begam and Khudeja

Bibi started taking care of minor claimant No.2. It was also

further submitted that at the time of accident deceased was

only 34 years old and she was in good health and energetic

women and she used to earn not less than Rs.8,000/- per

month and used to spend the money towards her daughter

and mother namely Khudeja Bibi. After receipt of notices

both the opposite parties appeared. The OP No.1 i.e. the

insurance company contested the claim by filing written

statement denying the assertions of the claimant-petitioners

in the claim petition and the OP No.1 further took the plea

that the claim petition is subjected to strict proof by the

claimant-petitioners. The OP No.2 although appeared but

did not file any written statement.

05. Upon the pleading of the parties Learned Tribunal

below framed the following points for determination:

(i) Whether the suit is maintainable?

(ii) Whether there is any cause of action for filing this instant suit?

(iii) Whether the claimants are entitled to get compensation due to death of Anuara Begam and if so, what should be the quantum of compensation and who shall be liable to pay the compensation?

(iv) Any other relief/reliefs as the claimants entitled to?

06. To substantiate the case on behalf of the

claimant-petitioners two witnesses were examined as PW-1

and PW-2 and they relied upon some documents which were

marked as exhibits which are as follows:

Witnesses of the Claimant-respondents:

PW-1: Khudeja Bibi

PW-2: Mst. Rukia Begam

Exhibits of the Claimant-Appellants:

(i) Exbt.1(i) to 1(ix): certified copies of printed

FIR, ejahar, seizure memos, MVI report, certified

copy of screen report of the involved vehicle,

certified copy of driving license of the accused

driver in connection with Panisagar PS case

no.2017 PNS 014 dated 01-06-2017 under

Sections 279/304A of IPC in 09 sheets.

(ii) Exbt 2: Copy of birth certificate of Mamata

Begam Bearing registration No.93/06 dated

26.07.2006.

(iii) Exbt 3: Copy of birth certificate of deceased

Anwara Begam.

(iv) Exbt 4: Copy of Adhar card of deceased

Anwara Bengam.

(v) Exbt 5: Copy of Adhar card of Khudeja Bibi

bearing No.5263 4927 2130.

(vi) Exbt 6(i) to 6(vii): Certified copy of final

report/chargesheet dated 31.07.2017 in respect

of Panisagar PS case No.2017 PNS 014 dated

01.06.2017 under Sections 279/304A of IPC.

(vii) Exbt 7(i) tp 7(v): Certified copy of the post-

mortem examination report of deceased Anwara

Begam in five sheets.

On the other hand, OP No.2 Safik Uddin i.e. the

owner of the vehicle examined himself as OPW 1 and relied

upon some documents which are marked as exhibits which

are as follows:

Witnesses of OP Witness:

OPW-1: Md. Safik Uddin

Exhibits of the OPWs:

1) Exbt. A: copy of insurance policy of vehicle bearing

No.TR-05A-8691 vide policy no.322790/31/2018/297

valid from 26.04.2017 to 25.04.2018.

2) Exbt. B: Copy of the registration certificate of vehicle

bearing No.TR-05A-8691 which was issued on

19.05.2017 and valid upto 18.05.2032.

3) Exbt C: Copy of driving license of Md. Safik Uddin,

son of Md. Abdul Gofur vide No.TRB0220050012637

issued on 30.12.2005 and valid upto (T) 16.07.2025

and (NT) 29.12.2025.

07. Finally on conclusion of inquiry the Learned

Tribunal below determined the amount of compensation @

Rs.15,73,600/- along with 6% interest from the date of

filing the claim petition to till the date of realization. For the

sake of convenience the operative portion of the judgment

urns as under:

"17. In view of the above discussion and findings, the application under Section 166 of the Motor Vehicles Act, 1988 filed by the claimant-petitioners is allowed on contest.

It is ordered that the OP No.1, the Oriental Insurance Company Limited, Rajbari, Dharmanagar, North Tripura being the insurer of the vehicle bearing No.TR-05A-8691 will pay the compensation of Rs.15,73,600/- (Rupees fifteen lakh seventy three thousand six hundred) only to the claimant-petitioners within a period of 30 days from this day of award. This award of compensation shall carry interest at the rate of 6% per annum from the date of presentation of the claim petition before this Tribunal i.e. 06-04-2018 till the realization. Both the claimant- petitioners will get equal share of the total compensation together with accrued interest.

18. Keeping in mind the guidelines of Hon'ble Apex Court in General Manager, Kerala State Road Transport Corporation, Trivandam Vs. Ms. Sushama Thomas and others (AIR 1994 SC 1631) and the guidelines as laid down in Union Carbide Corporations case (1991) 4 SCC 584 and subsequent decision of the Hon'ble High Court of Tripura in case no.MAC Application 36 of 2006 Joydeep Chakraborty Vs. Pintu Sharma and another, since the claimant petitioner no.2 namely Mamata Begam is a minor, it is ordered that the share of the minor claimant- petitioners together with interest shall be fixed in a long term fixed deposit scheme till she attain her majority in her name in any Nationalized Bank making the claimant- petitioner no.1 as her nominee. No loan or other advance in any form shall be allowed on such fixed certificate without the express permission of this tribunal. Since claimant petitioner no.2 namely Khudeja Bibi is an aged woman, it is ordered that 50% of the share of the claimant-petitioner no.1 together with interest shall be fixed in a long term fixed deposit scheme at least for a period of six years in her name in any Nationalized Bank giving a scope to her to draw the monthly interest accrued on it. No loan or other advances in any form shall be allowed on such fixed certificate without the express permission of this tribunal.

Rest 50% of the share of the claimant-petitioner no.1 together with interest shall be released in her favour by transmitting it directly to her savings bank account to allow her to meet the expenditure of their livelihood which they might have incurred for the death of the deceased.

19. Supply a copy of the judgment to the claimant- petitioners for their ready reference and a copy of the judgment shall also be communicated to the Opposite

Party No.1, The Oriental Insurance Company Limited, Rajbari, Dharmanagar, North Tripura to facilitate the payment of the awarded compensation in time. Thus, the instant claim petition is disposed off on contest. Make entry in the TR and in CIS."

Challenging the award the appellant insurance

company has preferred this appeal.

08. I have heard argument of Learned Counsel for

the appellant. As already stated none has appeared on

behalf of the respondent-claimant petitioners and the

respondent-owner inspite of service of notice. In course of

hearing Learned Counsel for the appellant as already stated

relied upon two citations of the Hon'ble Apex Court. In

United India Insurance Company Limited vs. Satinder

Kaur alias Satwinder Kaur and Others reported in

(2021) 11 SCC 780 Hon'ble the Apex Court in para Nos.34

and 35 observed as under:

"34. At this stage, we consider it necessary to provide uniformity with respect to the grant of consortium, and loss of love and affection. Several Tribunals and High Courts have been awarding compensation for both loss of consortium and loss of love and affection. The Constitution Bench in Pranay Sethi (2017) 16 SCC 680 has recognized only three conventional heads under which compensation can be awarded viz. loss of estate, loss of consortium and funeral expenses. In Magma General(2018) 18 SCC 130 this Court gave a comprehensive interpretation to consortium to include spousal consortium, parental consortium, as well as filial consortium. Loss of love and affection is comprehended in loss of consortium.

35. The Tribunals and High Courts are directed to award compensation for loss of consortium, which is a legitimate conventional head. There is no justification to award compensation towards loss of love and affection as a separate head."

From the aforesaid paragraphs of the Hon'ble

Apex Court it appears that Hon'ble the Apex Court in

disposal of the appeal observed that there is no justification

to award compensation "towards love and affection as a

separate head". Here from the judgment and award of the

Learned Tribunal below it appears that towards love and

affection a sum of Rs.1,00,000/- was awarded by the

Tribunal. But in this regard in the judgment no explanation

was given as to why the said amount was fixed towards love

and affection. Situated thus, it appears that Learned

Tribunal below ignoring the principle of law laid down by the

Hon'ble Apex Court, awarded the amount which needs to be

deleted and accordingly the said amount is deleted from the

amount which was determined by the Learned Tribunal

below. Furthermore, Hon'ble the Apex Court in National

Insurance Company Limited vs. Pranay Sethi and

Others reported in (2017) 16 SCC 680 in para No.52

observed as under:

"52. As far as the conventional heads are concerned, we find it difficult to agree with the view expressed in Rajesh. It has granted Rs. 25,000/- towards funeral expenses, Rs. 1,00,000/- loss of consortium and Rs. 1,00,000/- towards loss of care and guidance for minor children. The head relating to loss of care and minor children does not exist. Though Rajesh refers to Santosh Devi, it does not seem to follow the same. The conventional and traditional heads, needless to say, cannot be determined on percentage basis because that would not be an acceptable criterion. Unlike determination of income, the said heads have to be quantified. Any quantification must have a reasonable foundation. There can be no dispute over the fact that price index, fall in bank interest, escalation of rates in many a field have to be noticed. The court cannot remain oblivious to the same. There has been a thumb rule in this aspect. Otherwise, there will be extreme difficulty in determination of the same and unless the thumb rule is applied, there will be immense variation lacking any kind of consistency as a consequence of which, the orders passed by the tribunals and courts are likely to be unguided. Therefore, we think it seemly to fix reasonable sums. It seems to us that reasonable figures on conventional heads, namely, loss of estate, loss of consortium and funeral expenses should be Rs. 15,000/-, Rs. 40,000/- and Rs. 15,000/- respectively. The principle of revisiting the said heads is an acceptable principle. But the revisit should not be fact-centric or quantum-centric. We think that it would be condign that the amount that we have quantified should be enhanced on percentage basis in every three years and the enhancement should be at the rate of 10% in a span of three years. We

are disposed to hold so because that will bring in consistency in respect of those heads."

From the aforesaid paragraph it appears that Hon'ble

the Apex Court at the time of delivery of the judgment

observed that Rs.15,000/- be awarded towards loss of

estate and Rs.15,000/- would be decided towards funeral

expenses which should be increased @10% in a span of

three years, but there was no specific head towards love

and affection. But the Learned Tribunal below at the time of

determination of the award awarded Rs.20,000/- towards

loss of estate and also Rs.20,000/- towards funeral

expenses. In this regard Learned Tribunal also did not give

any specific observation as to why the said amount was

given in place of Rs.15,000/- under each component. The

alleged accident took place on 08.05.2017 and the Learned

Tribunal below delivered the award on 18.10.2023. By this

time six years have been elapsed and as such the claimant-

petitioners are entitled to get more 20% for loss of estate

and more 20% of Rs.15,000/- for loss of funeral expenses

and thus after calculation towards loss of estate the amount

would comes to Rs.15,000/-+20% of 15,000/- i.e. 18,000/-

and further Rs.15,000/-+ 20% of Rs.15,000/- i.e. 18,000/-.

In total towards loss of estate the petitioners would get

Rs.18,000/- and towards loss of funeral expenses

Rs.18,000/- in place of Rs.20,000/- which is awarded under

each components. As already stated, towards love and

affection there is no scope to award any amount in view of

the aforesaid principle of law laid down by the Hon'ble Apex

Court. In the aforenoted case of United India Insurance

Company Limited (supra) further in para Nos.29 to 33

Hon'ble the Apex Court observed as under:

"29. Loss of Consortium Loss of Consortium, in legal parlance, was historically given a narrow meaning to be awarded only to the spouse i.e. the right of the spouse to the company, care, help, comfort, guidance, society, solace, affection and sexual relations with his or her mate. The loss of companionship, love, care and protection, etc., the spouse is entitled to get, has to be compensated appropriately. The concept of non- pecuniary damage for loss of consortium is one of the major heads for awarding compensation in various jurisdictions such as the United States of America, Australia, etc. English courts have recognised the right of a spouse to get compensation even during the period of temporary disablement.

30. In Magma General Insurance Co. Ltd. v. Nanu Ram & Ors.,12 this Court interpreted "consortium" to be a compendious term, which encompasses spousal consortium, parental consortium, as well as filial consortium. The right to consortium would include the company, care, help, comfort, guidance, solace and affection of the deceased, which is a loss to his family. With respect to a spouse, it would include sexual relations with the deceased spouse.

31. Parental consortium is granted to the child upon the premature death of a parent, for loss of parental aid, protection, affection, society, discipline, guidance and training. Filial consortium is the right of the parents to compensation in the case of an accidental death of a child. An accident leading to the death of a child causes great shock and agony to the parents and family of the deceased. The greatest agony for a parent is to lose their 12 (2018) 18 SCC 130.child during their lifetime. Children are valued for their love and affection, and their role in the family unit.

32. Modern jurisdictions world-over have recognized that the value of a child's consortium far exceeds the economic value of the compensation awarded in the case of the death of a child. Most jurisdictions permit parents to be awarded compensation under loss of consortium on the death of a child. The amount awarded to the parents is the compensation for loss of love and affection, care and companionship of the deceased child.

33. The Motor Vehicles Act, 1988 is a beneficial legislation which has been framed with the object of providing relief to the victims, or their families, in cases of genuine claims. In case where a parent has lost their minor child, or unmarried son or daughter, the parents are entitled to be awarded loss of consortium under the head of Filial Consortium.Parental Consortium is awarded to the children who lose the care and protection of their parents in motor vehicle accidents. The amount to be awarded for loss consortium will be as per the amount fixed in Pranay Sethi (supra)."

From the aforesaid principle it appears that since the

claimant-petitioner No.2 was a minor at the time of accident

of her mother and was aged about 12 years who was

represented by her grand-mother i.e the claimant petitioner

No.1 herein. So in view of the aforesaid observation of the

Hon'ble Apex Court the claimant-petitioner No.2 would be

entitled to parental consortium as per the rate decided by

the judgment of Hon'ble Supreme Court of India in

National Insurance Company Limited (supra). So under

that head the claimant-petitioner No.2 would also get

Rs.40,000/- towards loss of parental consortium and since

this amount is to be increased @10% in every span of three

years. So after calculation this amount would comes to

Rs.48,000/- i.e (400000+10% increase in three years) i.e

for six years in two span, the amount would comes to more

Rs.8,000/- i.e in total Rs.48,000/-. So after calculation the

total amount of compensation would comes to

Rs.14,33,600/-+18,000/-+48,000/-+18,000/-=15,17,600/-

which the respondent-claimant petitioners would be entitled

to get from the appellant insurance company. The appellant

insurance company at the time of hearing of argument did

not raise their voice towards any other point regarding

determination of compensation awarded by Learned

Tribunal below. As such, the appellant insurance company

the insurer of the offending motor bike would be liable to

pay the said amount to the respondent-claimant petitioners

of this case.

09. In view of the above, the appeal is partly allowed

with modification that the appellant Oriental Insurance

Company Limited, Rajbari, Dharmanagar being the insurer

of the vehicle being TR-05A-8691 shall pay total amount of

Rs.15,17,600/- to the respondent-claimant petitioners in

place of Rs.15,73,600/- within a period of six weeks from

the date of delivery of the judgment with 6% interest p.a.

as already been awarded by the Learned Tribunal from the

date of filing the claim petition w.e.f. 06.04.2018 to till the

date of realization. From the record of the case it appears

that 50% of the award is already been deposited by the

appellant insurance company to the Registry of this High

Court as per order dated 27.06.2024 passed by this Court in

IA No.02 of 2024 arising from the MAC APP No.53 of 2024.

So the balance amount as per this award also be deposited

to the Registry of the High Court within a period of six

weeks from the date of delivery of the judgment/award. It

is made clear that by the judgment and award of the

Learned Tribunal it was ordered that the amount of

compensation would be distributed equally to both the

claimant-petitioners. But since the parental consortium is

only awarded to the minor daughter namely Mamata Begam

of the deceased Anuara Begam, so she would get more

Rs.48,000/- towards parental consortium with up-to-date

interest than the amount of award be released in favour of

the claimant-petitioner No.1, Khudeja Bibi. The distribution

of the money would be made to the respondent-claimant

petitioners in pursuance of the judgment and award

delivered by the Learned Tribunal on 18.10.2023.

Send down the LCR along with a copy of this

judgment/order.

Supply a copy of this order to the Learned

Counsel appearing for the appellant free of cost for

information and compliance. Also a copy of this

order/judgment be furnished to the Learned Counsel for the

claimant-respondents.

With this observation, this appeal stands

disposed of.

Pending application, if any, stands disposed of.





                                                                   JUDGE




MOUMITA                          Digitally signed by
                                 MOUMITA DATTA

DATTA                            Date: 2025.05.08
                                 04:31:32 +05'30'
Moumita
 

 
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