Bajaj Allianz General Insurance … vs Ravi Bhadrappa Minajigi on 29 August, 2008

ft') Vaj§e'Ga1};i, vaaiggagg,
 . B€~:.1gaum. - ~  A

-  G4; iéemath, Major;

.' « V _» ?;§ad:»1s"  iii _., Bslgaum.

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BETWEEN: V' '
Bajaj fiflianz Genera}   _
fjivisienai Qfiice, V  i   
Vivakaxxaizda (I:-.:*r:1r::1',  " * -- 
Dcsair, {fr-h::bE Hubfi: ..
By ii8"R'€giQ1'-IE3}  W  _V   V
£'°€0,1GS[A.=", Cc.éex*s"P}é;?{a';'--.:§;§=?A i%'Es:>§§.;r5  

336, R6$i(i€t11Cf}'1R>>()a(i..  _ 
E§a:1g*a14b'fE;-«»;2;Ei bj,r";§;i's Eviariager.  V

V'  ; .g%P:i3EZL;LAN'T
(E33: Sri.Lex E?1g_x1:s;V':E§}Sz;;)   A "
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1.

Ra§i~,?§had1′::23:}f3a ‘Mfiggjigi,
flsgfld 46! }?€%§irs; ;(§¢::.¢:” Basinega,

{)§::¢,2 Bx.;3i:1a_ss, F?’/a, 1′?”?°;’.z%.,

,,,, ., REZSP€}NDB§’%T’S

k’.

(K)

Thig MFA is; filed tiixcittr Sactiezz 1?3{E.}
againsi the Judgmstn and Award dated :”§.3s2(EC!’?’pé33sé»:E-V ii:

MX?’C.N0.i2605/ EGGS an the file of the Presicii23g”*C’fi§;_j€::;’A }?”é1_st
Track C01::r’t.«II 33 Addlfiessioxis =.3_’r::.:-§.gei,’3;s “»._Me1I3_{>e3*..
1%dd1.MACT, Belgaum, aWam1ing—-.’ Cpn:L§&3;;S;3t1′<;v;:3.;:s f «

Rs.1,04,00Q/–» with intemrst at from' "£114::..'£1at4:§.[a:éme:1:, ” U ~

This E\*iF2’»§ havirxg -,h€a1’Ad7′ aflri E23 for L’

Jtzdgment, Cozgaing on figs: PRC}E€».C_)U?¥{iE§v1ENT OF
JUDGEMENT this day, the csurfdfitiixgered

U .:}¥r3 m%r~:%;;;;«%
Though This m3..§:16£*.i;~; Estgfid a&’-mission, it is heard

finaiig éyf _ Cmlnsel for the

2. T}}j_.S by the fnsuraxzce Compafiy

“‘j1:.<:'{V'gmfi€::1t 31151 award passed in MVC

. * A i27s<3S}?20a75.;datedVV%{;é.20G':«'.

‘i”5§:”=,..V:fi_°£:§%§fié’:e{i1t facis csf tht: case: are that on 1518,2005, the

féfipfififltff; 39. 1 Ravi Bhadrapga Minajigi was procatedimg 01::

xgL fiaafirwcle N<3.K.A.22]V.9228 as a pifiion Iiidéf firmzn
"%§.i:;ffé%ag6wadi to Haiikjmaradfii. when this mamrcycrle was

fdziven by his frienei in a rash and ntsgligem mannér, as a

fl

has as {rimmed in the itiaiin petéiien fit: the §€1§§'£§i~:",¥}".'.¢..€V3i"'-.."éiififififi,

it ifi I'€S§3fi(.'fii:§1}.E}' submiiifizd. that {he claim ggetiiéfiéri

this rgsponeifini ha céismisssd with ~;i:<:ss¥:_.:*~"-3~"7'-.–. ,. __'f?}:;€~..§apg3::E§:i:–::

Exazfiiiz had aiso créwad far §{}£3I'fi§SS§;Qi{}_ $22: e;:a:::i@§:i:'i Q'_€'3;}_€.5.?5i fiiim

:::b}€+C'ré{3;:3. 21$ anéi 'Wh{:'I} §1€{?€i€§SE§f}:1

63. Basefi an the z3§§1}€3’wi:1g issuas:

“Z iifheifzézy’-£§”§’e pegizgfaféér §i’r*?3″z,%s tha: the
{zfieggki ii3éif:?,£V’?’s?’9-:;?Ef4::’fv~’:3r7.7,w$6 £0 res}: anti
:;e;e;§§s’g;–W_, _ ri”g”§(e?i– cf flzzjaj z::*;:”-ma
_ __;1i:;3i€£3r. fc§c:f§.f and if: the said
a¢m’:ie§:’:V§<a;r;'Vs;:zs£e::§§r:ga§N :*z'e:;aus badiiy §n_;'Lm'es?
V '§%{fzé3§I€évr:'~"LV£i2e _§}€?i§i§0¥i8¥' is erziitfeci far
1 ' ' _«:x1r:zpe:«2?;sé£iora? ff so, what is the quczntunz and
I __fr3m z2;i1i:§i?3.?..__. v

fl";%_; Whai arder car a'£§)e'},$"£l7l§)E

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_g. . V ‘ :~:::~p}§or{. 0:? his C1F:’iS€:, the first re$})~::s’x:}<i€:t3t. axammséé

Ai"3}7:}}3Sfi§w§ 13fi.3Ei.3 am} one B1' $até.8};"1 §}.Pa1:i§ as F,W;2 311$ got

mafitfiuri E;X,P.1 £0 R12 Wkriie figs: r€3p{:am:¥e'I1'i:$ exammszi 91:6

E'.ijs;:a.%z Eiliazm ${}£E{i3gé%f as KW' 3'1 a:'2:;;i gm ElX.R.1 82; :R'"§i3' ::1.2"§r}<;®:i

in svizimxirg, " . V L. ~ V

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Ct3′}iIZ}.’j3€§I3S,i ~ wifl: i§1€ei’i:»s’§Q;*:1i. 5~’.?%€s =p.:;::._ _

the {iatie of {ha {rizaim pztfjizfiicm L

i.r1$112′{«m:;*:e: ffiampanfz Ejias >€;?}_i1ifl€I1}g€i锑fh€ S533:-5A ;§§1€ig€ff}{3i1§. érL:*:c%
award East}: 911 {ha quesiiérzg Ref Eiabflgitfi’ as wgzii 33 am *’£.E’:€

€;umtim1 «:>f q_1:a:1’f;.::« ¢_

9; “”” ‘”E=}::é:;%i?e {l.§\}’i%;’.§=”€§csn§:¢?§1a, £293′ M] s Lax Pifixzis,
1a:~3:i*_:1¢:§:i_ €f;”i<::11i}.§g1,fa'3zf_*i;i:¢ ";::§;§}€§1a}:r£ and Sri §'fi3_§:j:maih ffifilfid}

§€aE"I1i§§"~.C{§1E§1S{i} £1921" §.'fS}3€}fi{§€§Efi 3%:-{Es E.

V" = s:1 §%£1fiEt&, 5::-:1 hehaif of {£315 agpefiamt tixat iiiizfi

V :;'&31,:i%c:3«&""'9 ¢£s.::;V:"agi:1g :9 $112: 235: resp01:*;,ée1:%: iwraéra Wag mat. at 3}}

A i:zVc;:§v€_:*};f..-1:1 the: acciziaizt and ma? 'fir: ciaiinx:-mt eziifi 210% :;ufi.%'z*

itlfiaxgims can a<:<:s:}A:;;.§1t?: 0:5 $13.6. 1,533 :33" '£235 said ::1o%:s:):°<?§*<:}€. He

filbxxziig that. the £33': sf dates anti fiV€3:'H,S wQu1{i §:.1di{:a'£€ that};

'ihfi v:3§3:£r:::§€ was not iizvalvtrfi its ihs a{§{Ei{i€"{1{. &<%cm:'£.ii:1g 15:0

Eximfi fhii aqfciiifitzzé, is Saki ':0 have Qccurrcd an }.'E}e8."2@Gi:"3 hut

{3’§1si{iera’i:i§:s§3 and §:i’i§E%fG§’E’f; ::=.’rm:34€{3usi§g .. ‘ ” v:;e:{‘zfV:r1_:Tz’§&e:i

{)Gifi§_}€3Z}SaiiO1’E ‘$53 the firgi §”€ES§§Qi}é€E1’£ Elgrain _’£i”Z}:».*3:£4″i”..é€?}£§$’

hiznsfiif flsgiigent zmzi head Vgagisad 3 b ¢”»i’£;.’C’i’i€§’Z.’g%.’ ‘

Aii€i;”fiaE;ive1§-3, ha sifiémiis fimt if i;¥j:a§$ :€?73!73é3s;”EA.’TTf;:12§ té’-; a

<:0z:a<:hz3i:1 mat an-: first .:~tt?z;:1:i4e1’r{£::§;»3j1.ua;::1t”°;§m.§; zigfigi: fh:=:_ V’ ;

riéar of {ha véhisztis, th>::’:} in §§s§- ;’€’i§€’E’, 116
was mart t:’s:1″£;§.'{i§:d ta ca:1r::§¥4;_3%:I1sa’:EAi.<%3;'VA;i:§«._f§.fl§§3;"f%was gfavatage Bf
'£116 xisk (31? a piE};i.z:1 has 120*: begin
considmbsé; §3}”V}L4E;’3″::::fM%1’*(}§:3€::§’ Tribursal and has
Eaiieti 11’p1; Supreme C0111? in the:

cast: that ‘$35 fiiiléilgi’-33:3} {if
:?0fi1{J§fisé;ti0£1 Eaighfir Siéa and tiakirig iliiio

coflsiéefafidm {ha ‘Vfi:jA1;:I3}”~£V:3gf}’c3r€d by 3:16 fimfi rs$;:)m1d¢:n’i:,

€11§:_ *p€fif§r::3r;i’ag€: v éf~~~–}f3i:iF§fi811€Iit aiifiabflity assessed by thfi

V 7′?fi§.1’}15f§.’%;: €:XI.€~::”f{ if 25% is on tha higher side zinc}; thai if

fjoigéiéi ‘j_¥3}’:i€z1 at 10%: at £333 133.03%. fie ihemfom ‘1’€qu.esE:~:

‘to §}1″f£IV€£]_C 311$ set agidfi the judgemezfi. ané

” V. éwagd 5:’ the Tzihunai.

H Fer comma, ii; ig submiiteé by the iearnfid €3e::tm3€:£ fer

V V’ ‘the first r€s.ps:rii’ta§1 statemitni and :h€:*af(:21*::, tiizi ‘E’§f£’E:s12;na1»fe37’as’§t’is£133;:

net raising any of this iss”a1a:*:§ new raistii £12 fl*:é 9;;;p€a§; a:1z:i_ V I

the. campelasatiml awazsrcicd is ju§s=i”_éa§;:i gmpaxévéhicig dam not

Cafl far £311}? i:1′{erf€:z35.”3a::-s:’:”i’1’3 {his

12. ‘§’aki:1gV:3§$te_Qf $u§f;:¥%i.<%si<3ns the paitzzts
fiaaf 31136
Ijm _ tbfit: was right ;:?11
'– " first I'f:S§€}1}(§;if31fIt'
'"' '§1€:1"Vi3i'V¥Vi tVhe riciezr of the vehicle
pillien riéer ?

:V:§3e’I::et}3£r the Txibunal was right. in
that the piilian xicier was

‘ -.r::i1tit_ie5é 1:9 compensation ; and

Whether the quantum of csmpensafioa

G3

awarfiefi is just aixi pmpczti”.

%

10

.13 At $333 0:33:36? I hays extmctezi. the reifivant pozfiszis Qf

{Em w:13€ie:: statemziin having a bfiaring 013 1:21»: c;_ussiia§2.A’t.e

Whether {hit fiffii rcspenéent hemin. was t}:§=§ i’§£i_!:7EVi”:..: {}’3f

vakzicifiz or a péiiifin rider; The _§::3.n’tf£z:§1 §?’.},¢

appeilani hfiffiifi preceedezi 0.11:”-..the;’_”Tb$:sis._37$?

I-aspafidemt was :21 piiiion rid’r%r’2§;:c;¥ {fiat a .z:i_d<:r, his. '

risk was fiat. Coverefi 311:1 th€réa':'r;1'€–,.._ flit? hapggellaztft was not
h,:=iF:3Ee £0 saicfisfy the a.ivaiff;£. '§**§0;fw'3vér;'v.s;i:x:§e 21 szispician was
entertainéd by '$133 appc.i}.a:1£~in;-sztrdliéic Cfémfiany wiih mgard

to the facizlxiii ::2i£i'C(3{i:.€,{€1'1E:"'VEiI1f;7'1 ' 'aisle WE1e3:§1er thfi f§I'SiL

I'€Sf§C)3";ii'€f}«$J:'1§53€.ig§§.31Z&}:fiF3E5'iI1§';;11"if;S;: as a rfier ar 33 a piélion,
rid€r, a31 'ifivaéizgéiibiz. tififie anfi the invéstigatiezi repcazt
is 31%) 32:, 6:1 3 parusai of 'file investigatlezz
at paré nofed as foilows:

, _ «- Bagawadi Polica Iaave charge

— s}1é<::e;;E is insured I}:}.€)t01"C§?'('}€ rider Shri
" « '}_3{'»a_9;'$~.E§1fikar. Yafiangeufia Fati}; Ufa 2'?§, 338
_ "fjw 134 85 18?? EM? 1"s».:'.:i:. E'c»Hosa:-'i31g are-.
ihé details of charges sham,

V " Foiice Station :. fiirass Bagewas:ii 98.

Crime # : 10?} 2005
Smrian cf Law : 279, 338 IPC rim: 1.34 SE
18′? EMV A91

Date {if FIR : GEE, Q6-{)9~2GO.”:3
Charge skzseted on : .31~(}5v~2GG6

ix
//

” .:;;i,;gAZ:%13N, : ‘fi:-fit thing that the appe1ia_{1t–i1:1sura:1<;:e compésxzgg

I .V §:1z€§a–:"d0ne was to amerzfi the written statement

A€i{"C0§z'C1i1";g§§*' urgeé Bfifcre the Txihunal for dismissal fif 'aha
petiiian, as the clmimani himself was rzegiigtznt ané

h.c.m::€,, the claim §.'9€'fifiO'i'}, would amt. haw bean mainfairfabia.

13

iii) Giaimafli Ravi Bharamappa Mina3’agi ;is__
riding the motorttycle at the materiai
time Qf a<:<::ié.en.t and was um. i3avir:.g''=..< *
vaiigi 3113:? efiecfive {irivirxg iicmrzce t=<}.§i_:g%iv::' ' L. V
§WQ–'WhEE'.};€I".

iv} As -gar vshiclie sfiizurrz p3nc}::.:3i1arr:.a ‘ M
ccmducried by poiice, ‘(ha-rs: a_r¢:-~»31{§~.Vai’:§7 .
visible: éamagfis in 1′:1:”uif%sa:1.1n’0*;0§<;y1.1da ‘Pail ujs¥ A :27’9, f
338 IPC rjw 13é£.{3z9;’-187 mv fxesrtf ‘

vi) Thf? insugrttzd motéifijycie 110i;’.i11{V0iV€(3;::i11
the accident ant} _a1s_<'; . .;not3 Z€'f3'$})¢:iI}S_§Lib1§.'f(}I'
injuries 1.6 '¢ZLE1iITi8..I1f 221152 "Sm: G-emgavva
Na:t1di}:1alIi;'*. _ ' j AA "

Vii) The iflsuyraai Imotiqzrizfgcie. is: f ‘iI1Ci.i(:e1te:& to
cast: crniy f;Jv–geit=:he cvoxnfiyerisajiion umzier
aE:v@j:e— said ;ins1;’;¢a1}.:;5e;~.§;::;}j:j}=I:’

15. ffas'[:£éi’V’1ii::£%..§:2g:li1a_§$*–0f”$16 investigator, thta 33115161″ of ma
veI:1i<:ie ivsaé, infact Sig and that 3:115: was mat having 3

"::1_I;;1::i efiéctfiée' dfiving ficence to drive {ha EVVG whcelmg

hég-36$ v_v':3i:'?: f*E:¥:T:e fmdixlgs 0f tlize irzvtzgtigation repogrt. and

Hawever, such 3: step has :16': been taken by the appeilantw

%

E3

i{1S11I'aJ}.€2-6 company fig: the instant ca$e but .21 $"§3b:ir'=;;%$:~:.i;:$:?s_ is

new mafia at 1316: Bar thai thfz. rxldfir of the '§z{i:};_s,;~i<L:i€ $%?eX$" -néfilé

cthfir than the claimagzzt and _fi1j:fer=i"r3n:»:',""':'i1€-?.'_'v .i#fi'E€'§i1Ef8i3.§f€'

csjmpatiy is not iiabis, 1 am tinabiiaj te_'a~::c:ep':.€E1iS"c-ciiitiegzfiiéem

in 8:15: absence Of fharr: bei:1g_TVa..p}ea{i'ia;__gVé1;d ;*3iv§'.}:.§A;':t':t'§.7Cf::£i', {.43 t§i2;3:V V

effact and ihmefom, the gaié cfifitgixéioig £133.. :6 'be i?.€_§s::::f:Ed,

16; The max? $13bmi51§'i;3:1"'e_i;" i't ¥g,e .:1';€:'§ €21 irL15€%(iV.€i021;E;s$} fiifi" 'She
appallmai is figs pfiijmi ricietr and
there xazas§.2¢x&~;'~vg§,;ii;3é.i:';§3i'1a;§_ is cover fiifi risk
of t11€ pi_§jVl{:Za:si:V appefiafii is not Liabée: ig
saftrisffi $16' fiisnnsei has producgé E:«:.§<f:2

which is 09;}; £5§ '{§i'£<":Vi" £ifEiZ'{ifiCfi"§:Ei*C1}.3}1*"{}{2i§i{?}' SC§'}€d"i}.§fi agiaai

cegikiiais ihébé.-. absence sf thttra being a spacial

'A C939} £:3;*aéi:ii ':0 cxrgver ihe flak of figs piiiisn riiier by C{}11(3CtiQ§1 sf

gafjézrfiium, 'E115 Txiizunal ought £12: have dismisséd

ihfi fiefifieii. A peruse} of E;-1.2.2 makfis it ap}j3am1:,t

fthai not an ACE poiicy but a campreimnsivfi pOi:i{:}i Thfi

&=:ié«;E}€::i '(firms afid cenditions of the policy wera 11:31

V fgsrcriucezi bafcsrfi the Tribunai. fin ihff e::'€"i1:2r hand, 'there is

xii.

//”%

J ” . 15:;;~§§:§Z’

E6

szeizide fif?’ reasans §C?’i€?I§}?”t fa him C5988 FIG? ¢::}1z3=-;i_:éie”:.
fa pmcfmze Ike piflicy er (:2 mpg Eh.er€{}f __ S _,
aaxjerzfirzgigsg wish £9 ezmphasize ihat £32. c:–§§’~su;:7}:.” ‘
C{1S€S where she f;%z:3’zsra?z.ce Cermpany _{>:};§.c’x»f:14ze;i ‘
wislws 16 take a defence fr: c§(2£rn.__;2€Z:’Eé{3n Vthaf» 2%
Eiabiiity {s not in exaesg of thg $:atuiu:f:}«_3ié#biZii3′;.§:’._ H ‘ H
shzmlgii file a mpg cf the fr2sé2.ra::z:§:feA~p0f£\::g”*g§or’z§..
with £28 defence. Even 3’3″: the if:,3is:};2’2,f tx2s;*e€’.jF”.:aic§ “if
keen. done 30 at the ag:~;2:£;a;;riaieA’siage f:ec:e5;s–:’?yV

af rggéproaching thig Court fix, {1′:’viE Appezzizgi-:m§£:Z €31

(IE2 prc:3»bafii?€£y have 593:1 _§::.i%ar;i¢’2’£2agI. Fi?’£ng;V {:1

af the paizlcry, t3*w:fefore;’ E19: :3r,.{y «mis;V” $’}m:”£
avaidabie Iifiga.tio1r3. .}3uA1?_a.is;_ov Ié3.–~2?;’33 31:3 Court in
daing jusiioe bezweerz; iE1e’g;€z§*£ie3, – T3}?,e*_.:;£}$ig1fz’c:;::;

an the pariatif file S3aLi¢3~’vV0:’–.its.L £r’:s”:§:u§;’;r:”n£a§i£ies is}
aaffczirfy cz:z,n’*a*z€vé:r be e§t;er:é22iphaS:E:ec¥~ ”

18. Fzlrfifxerf-ui3;1é. ‘ti-}a1i$§%.’: to as ‘imporiia Ht Imfice’
axiracteé zfi3§:”>£?é:f–. i’s 3 — in aficthsr iiecision Of thfi

H(}fl’§}€”§§}1§}f€mE£:,V’.C;}uI;f'”fliifi case of Amrii; L31 Seed Vs.

Kaushgiya Th}’5q3:éijr,, Qifiiié 1998 SUPREME COURT Page

I of thé Act provicles that p9§:ic§; sf

iI’1S’é;1}Z’E’i11{2€’ mitsi bfi one which ixmuras the §e’rson agaifisi

‘ “=1iAa:bi3it..3>v.x2v.’;11ic:§1 may be izlcurred bf; him. in resmct sf death 01″

injury ‘:0 any person 01” damage :0 any pmperty Qtf

V. tkiirii pafiy caused by or azisizzng out rzsf the 133$ of the vahicie

in 3. gubiic piaca. Tim sectioix dees not however rezquiré £1

*2

18

award, twa ifittsr patent aggyaais, arm by

R€§I’€S€ZI1’E3fiV€S of the cieiimant and tha

sf {ha vehix:-1: Wha was the app&V11;a5:1»1’$ ‘;}:<:f:§1'€' 'E:'1:'§3:'t33.B€"'V

Caurt wfire filed 'befs;31"€~': the Rigi:

1:1 ihéf said appeais, it wafilssiid E}”ia.f_i’: ‘flit: 1Zsi$13jge3f_H%*a:$ i1e’%.; ~

liable, as $119, c.ia1im;mt wa$ o:§§>1« 1:’:;a$sé:i1g,$::f’£r1 vehicle.
Then the ézriver ané :«:ag”133tf&Hfi§ ggagaaais an
Sgiecial leave AV ‘”E’he said Elia’: thfi
questisn is ‘:’.i;?}1 6i’i:1§!i’:.’£f3?.€.:Vw§§’lSi1r6f was Eiabiz: £9
satisfy made by a person
The Supreme Ciaufi;

refe11’z:’;d :’f13}é.~”EvIato;’ Vehicies 561, 1939 which

Comgqela aivztér Qf.’-thé. mbior vchicla ta 311311315 ‘aha Vehicle in

‘V V’ _ C&$$£’p§§Lfln$EAWiE}£V{E1€”I’&}{1iI’€m€311’£S 9:” chapter Vi}? 9:” the Act.

2 Said Case, the §30}§{?§>’ was admittedfir a

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