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National Insurance Co Ltd vs B Chandrashekar on 11 March, 2009

Karnataka High Court
National Insurance Co Ltd vs B Chandrashekar on 11 March, 2009
Author: A.S.Bopanna
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*-Q  PAVRAMADEVRNAHALLI

 'V ._.3IN<3EE1 Gfifihéa,

msapaa

aC%ED :25; YEARS

3,20 AMEANAFPA

R/=1} ?ARA1%éADE"\?A?J&RAL.L§
BELLA??? TALUK 3% DEST.

3ASP&P?A

AGED 22 '$215333

S/F;:\:':_'V:a*»o,.V3;'I§¢ «
 y;.'1%~;A.Nc.7s:;>G129=a5"1A

.. fi;E$i¥a§§InENT Noni m

 ..zs+:.§%'.A.2zo.'zse1/2005

BY§%£=;P§'A _ _  .
AGED 2<§HY_Em2s  51.; .,

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R ; 0 PAVRAMADEYVEAX§i?t§Ai.1,E'~.V _
BELLAR? TALIJK as .::13';"=v   ~

mama?' ';?Mia;i..:jJ:;< 55 9:31',

  15 .;\: §APPA
 g_gg"=::_«": 35 mags
" %[!S,2r*GAS£ LENGAFPA

Egg ENSERR NAGARA
3:21,: GU PPA TALUK
B§L.LARY 323?:

.. R.E8?0NI."3ENT Noni IN
l'2t!.¥'.A.K0.7802 I 2005

.. RESPONBENT Nani. IN
M.F.A.No."?8G3/ 2095

ES RESPGRDENT No.1 IN
l§'!.F'.A.No.8880 I 2005



:2? K MQHAMMED ALI KHAN
MAEGR 8/ 0 TAVATR KHAN
LORRY OWNER KA 34/1982
R/C} NC) 56, PAF3AMADEVANAHAl,L§~>' .
BELLARY I

3 EIIADA PEER .
MAJCJR 3,10 REBEL GHAN§'T8':'SB
Q/O 25:3 WARD, NEAR 'I'iiPU  
SULTAN BOSTEL, F0 "
BEL§,AF<'Y  .

.; §f.i§£:SPOHDENT Nos.
.---.2  3 (common;

{Byflsri : gang'1£+iVA:~é}§":éi;u=2é':92j¥_:'éagi ;:;é;;é;}jvK FOR 121;

Mm-V:-§.o_.'?799'1;=;,29o$..13. §'IE.§EZ;'wUjS as :1; :3}? THE vac' ACT
AGAINS'ii_' ':'1e:E-'_af>12 L§§2;;e-.',_ mf. _ 35132005 aassgm EN CASE
N{).KNP NF,84/i;39Q4~.€}!\I *?:+~: E;--..§f:';,.E 2.2:? mg mgeure OP'1?*'§CEf~2 ANS
zzommzasiomg grow." ,T%¥*QRKMEN'S {§OM§'ENSA'§"§QN, jg»
BEVISEGN 3,%"'4..BE::,L,A--R?;-._ §9~'*£§R'E"L'{ mmwan AND é%.W:%i?D§NE:..:,A:~z*r zwzmazw TS DEFGSET
 '1.'%~§E.,SAE~§E;.   

" ~.  '--.M§*A'§$z'¢.?3do;2m5 gs FILEE3 ms 33 {:3 43? mg um, AC'?
A{'}A£l';§_S'T .-mg; QRDER ma .3<2.5,20§§ PA$8E3i} as' CASE:

 ;;azo.2<N?,N"§:85;2a<:4 aw mg §?I§;.E§ 0? THE gaggom 0;?-'$933 mi)
{3QMEȤIS8E.ޤNER FQR WORKMENE c2=g:paNsaT::;m S38-
» I ..:>:V:'s1QN :5 3EE,LA§:3':', §;'@'AE€BE?~§G {Z-€3MPE*ZNS§{§'E{i%N 0?

4. " T.£e;<-331,-;'12;» WETH IN'§'E:REE':'T fiif' 22% Fféiméi 2a.:3.2<2<::4 mi:

 .___"""::%:§%:f':&:c':':a:G THE A_?P5:,m;-s*i' ;«:ER§«:::s:" '$0 %,:':g?<:;$§';' '?§§E SAME»

MFA Ii¥<Ir.'?8G1g'2GG5 ES Ffiiiiffi {};'S 38 {E} 0%' TEES 235.8' }%{i'E'
.€}i3 E'fiSSEZI} EN £3§£S§{f:

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D§\:'ES£€§}N 3, BELL&E~E':', E}AR"€'§,-'*2' A;:,:,<;:i&;g-B 3:423 f'2§'%*.éJ+2§§;N<:
C{}M?ENSA"I'E€3;"~3 0;? §%3s3?,5m;- Wm-at §N'TERE3&~'i'T ax? '47¥TC§~§?;*e4 f§:'.?V5"€'%Cf?%§%Ii

mgxzoss mi: Di§£€--{ZTEZ'3G 'mg é*g?PE;E,I,AN'f' Hia:R§:::&'§"*:*z:%

THE SAME},

MFA Ke.7802;'2005 18 913,33 :%;;'s%3«{: '{§f;.4'£:§'.'i',?§%; é.»i:;<::',V z=%;c:-:'=3J ,3PFg$€%E1§§'- }'F§§f»..__
M<i:.§:NP.m'<':8?;2ea4 {gm 'TE--IE3 FELE SF' *§';_%§:'«;_,A8;?§i§¢§E§~Z'$ '-c:<i;:A;}E::<:_$;af:":12:33,  $2.53.-f

9£v:s::x:' 3, BELLARY, PAE2'?L:*;«,';r:.aL2::>2s,?§+:1f3_"'A;s,:iz:3'"1vA<m;2§2§zx§:«.g
26.2.2684

gwza {>§§§:e:::*:*:$~;:;’~f:’§§3’A?}%E:-:.g,,;:,:’§s*:ft:~§§:I:.>§:;§:\:V’;* 333903;’?
my; SAME: –. r 1 .A

mm. re:-e.?$<}3i';?g§;9l5;._§.$»»$~:.~;.§«::} amt: 3:; {£3 <39 THE Esg.;s_.:;:::~:§e’ ;’3<:,e;;2<T2:}::e ;~::%;;5$§::;: "ms <_:.za:s:§::
;~s2'<:s=:1:«:§£*,$S;’:2:>::s«:V <;'3:~é*:*%%é: ,?5"§,LE <3? mg :,;a§{;:..;§% <::§«*<;a*:<:§:§2 é§N§T:z
{ii{}E$é?«?§§SSE€§'%E%£;F€';§£§ §"<:}.§{___§§§{';}E%§<;§~éE§N s:::§.4§>:3:§:sg’5*;<:::u; ~3;:.;E:a~;:::v;:~::a:r=:

._ Va§::g;,§é;§;<:*'%';:),§§'§::5 ;x:,§,wE§> {mg £;<::$r§r,f:i£2,f.f:g;"i¥é.¥:":':w§ ENTEZRES'? A'? 22% mam ';ZQ.:Z'i2{§{"'24 F:?~EE;':
}:f}.§E4:§*;_;3T§'f5¥€L%5?%E§v'z3;'PPE3LE,&N'E' EEEEEEN '§' ;=n2»3.a§~2:”> mi :;2,8.2:é<:$ Pfafififii} B'?
*?,'s::s:; _§$,B€3U§ O§'§é'§§}E;§% M533 £t{}§§§»si§SS1{}F*é§i% FQR i§?<3§*Q4 E’2%R’T§JY iai,i£I§’iJ§<ZEfi~ z%§'~§E.3 E-'$%fA§43§}I?§{iE
C-€L3M?ENSAT§{}§%§ Q?' RS. 7§,'§%2;'~ WETR iE's§TEZ§?iE§-S'? 9%?' 32% §¥'?.{f3§'=sE

'£{3,2r2€}€'§4 EENEE L'!I}.'<€E€3'?;"§§'*IC§ '"§'E~§E3 §'aF'?E§iJJ§§Z'~§'E' §'EEE3§'€E:-§£'é Ti} ifI3§E}P{7i%E§E'F
'THE Sfifiéfi.

0<?<:fm'r€é an 2§.{}.L2€}€}-4, {he ir1$*:1::a11{:@

iia%3: its: .

4, it is £’flI1if3IK3€(i. £3*-I;_}. ‘ Qf 1 f}3é.§fix..§£iSTé3£’.”E$f1C€:7

Qompany {hat {hare is 11:} <;§ f C$;i:t:;§¢£ b é;:m-Teen the
zzmpioyaz' cf the :' §{}7aa13 and
1316 apmiiafit masmuch ;f1;$_{1_;x; in the name of
ma prcvious 9v;:iaé&;f:;;.\}§z ,. therefore cexztsnded

-that the Vijbfizfiined ciandesfinely and
thvsrefoljé Q in same.

“Fhé ‘{%f.§1>§1%1.:;e} for 336: respomicnis hawever

S0tEgi’l’5_ ta . tfize §I_t1{i:?:g’L m€;1t and awaxfl passsd by ‘£116

figznfiéisgia-zxsr, “V§””£””§$’v(3£Z}I1TJf3I1{i€€Li that the very éocumcnts

fggurance Campany ifsaif wsuié inéicaifi mat

§}:3é::é”i:as A tzmasfsr witiz rttgard E9 the vehicie 3.36 {ha

C;p0§iC§?”i.:é3$i1§:{iv would iziéicais {hat ‘(Em xmiaicle 133$ Eiypofiacamé

§I’1VfiS’§1I)3€X1i$ Limétafi. Thfi fact? that ‘$116 geiic}?

._ . ‘i3:S.i’=:::%:’€i in 1’€S}3’€C§ af 1:233 Véizzicié %ea1ti_z:g N0’ E{s%«~34 3382 £3 :19:

“e :.ifi”&iSpuie am} 911%}? the irzdieatian of $3.6 game of {ha insured

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has haeefi ciisguteti. Theugh {mi in 3. sizjaiiar CiZ¥Ei§§I.};_$;§E§ fi2I;{i’§ ‘that

nenmcompliance sf thfi ‘wchnical natum 3%” {hit i;>§31’mji?::;” ‘<:¥:§'

poiiéy has bean consiariemci 33}; this €fio1i:5t':I:;:2{1 i€;;n§,€11{i€d, 3 péjraisai

{sf Sim: pa.§¢2<_f$ -iz;e:3::.,:_1»:3.A*._:%1<.'g._:'i:I:z%.i::3 that the facis i:.1*r.miveé in the

< p:*%:'s;£::z2'g _g;%:c;sv& w{§i;:id__i:;*;§§.z;z1ii:. a{iap€€3r., ‘fhgz

vfiizicic hégxusstign. was mid by {ha saéé Ba:e:ia.§&er 119 Sri K.

” V. §a§%;3h;an$£*a&si 31% Khaa in the empiayer cf E335 ciaiggants. ‘E’E:s

331?. was maéier in fiifi year EQQ6 9:112? fiizfz. Efigifififiiififi

u M {T€E”§§.§.{?a¥,€ was eaéorseé ii} that eggs: 0:;-; $58′ E996’ ‘E115: said

:£<:z(:"z.:mm:i hafi '$3811 _fg3:z.'*<:3é:1c£:é as Ex,§~2_}3. Fuifiher, ihe Said

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2%

Szfi Esiéahammed Ali Khan who hm} §3i}.§'{Zh3S€€§ {ha vehické hag
3130 secursfi the mrmit in i'€$§3€C5£ of the Vfihifiiéf hsmzéngj' $3.11}. Ki';
34~1§382 for the pariads from _'é{}.G€n20{}.3 :9 99.9§.,2éé8".j' 9:'2~;¢

said dmumsnt is preducad as Exifi. 11..

‘F’, with this baskgraumi, 1%; at:i0rm;:éE._¥::ir{:2¢;2″:;f§é”£,e;§:eg

thfim would have ham: :10 impéfiigfiefit f{$1;’.Sri.§{ E*gi§§G”§f:éi::;{§€€£ 3313′ V

Eélhmz ta secure 131$ insurance ‘p<;–1i.;er, this

gficuiiar circé3msi3:;:{:&S;._ .%i%1’~”fii1a §}fiS{i’::3& £32235: is that mt’: ‘%£€}:;.i€:i€

” = ,.V§x2as._’:§;{::&}tfRfi’ €135 E§f_,épe?.h.se%a:aii0n cf Skim Envegtments Limitefi

aL;:Vj,6;’~}V1;.{}~i§:ia:3’«:,1jii:*t,~i§:s Couid ha taken nets 0f the faci that Whfifi

tbs: fizsfiziclfi: figxvflar §}y§0″::hecati011, it is the fmanciér 9:119 §3Ei}£”S

flag respeast of tha vfihicis ‘£8 see that the *s;:i’:%:iCi€ ES

.%§:.sur€d {ha Fiaagicisr is 1:10: §”i}i :9 3:1}; igss, “§”§1€sa agpwecis

:”;:’= _f%§:%; matter in thfi §}§’fiS€i1″}i C386 asazzzmas %Bf1§3Q§”i3;E§C’*3

‘ :§£}é?.SmEiCh $3 $315: §€;3§§€’_f§ éssussci am: markaé as §%3::«:,R§ éézazsiéf

u “25;-‘<3:..:.i& imiicaie {ha mains sf aha fgzanirizs-:3" am: the '§%2j;§2o%§%:@:me::§ b€7€w€E¥3’£i {ha €}’i”$i1€f gf Ehfi 2zfi%2%{t’i:i= ami 15%;:/: ?§”:nm>.{‘*2l£:2″.

it is in ihai C{}E”:,’i€TX'{, ‘éhit fifiafififiifif E133 }j;a:=2.§::_§ {ha }%>;*§:mi;;m ziméi

wizan that pmmium has bear; paziai by aha: :i’;::.anci€;v:*._}*$«a.z.:_{§L~V.vz€_hr:

gsaéicy has baen. issmgefi by the ifif;-}”i;};I’a.'{1{.’,€ {“_/_»s;>;:n;”;:3′;i”;§;;fi:;– 1 £2.

ci:*cm3:zsizm{:$ af Ehig nature, far,mVnaz:-z:s::fi}j3§§é?g;”:,.”e2;?1?z.:r’-.<":2%" '£.'§'I?1.é"LL%,;+*:2L':;1V?;§."r#E:%

Ctaflfifli be mafia is $u'i§"e:°. :"T’ the said K3. Mghaznmezé
Ah: Khaiz. 1″€:”:'{}1}i§’€E§; is do in me aormai

cirC:11ns3ta11{§é;.1¥’asg§$ Qbtaéia 31:1: p0liC§;’ ii: his zmmtt £3}? géayizgg

‘V ” _$9r~J;§ ‘:§3§:;ni11m ar{<i'é;':;–::'§r€mi2:m £15; an}? avmxt. Weuié §1Ei"=.;'€ 'igarm

fs-z%.i:é"E';_§*" :;finé1*:£?§?;3§" 331:? i?§?s:3?Li},§; '$5 {1€§'.3§§{?E€§ '£9 Egg saassuaia

'§'£;-_ih§:"C§rcumsf,ax1ca, whfia. the "%;'€'r§; _§0§§c:§g iaaaé E25933.

égszaézi %'::§r {E526 §nsum.:z<i~.:é {"3-<}m§az3;j; in ?;"€i*"~§§1§'."£'i <3?' 2215 %?€§:};.é€:§€

» %;{:&§f§j:'2gv§{&»:54 §{~}82 far atavarxézzg $32: geziaéa from @:2?{}:12,2{§{};%

' $5 Iz.ig.ii;i 7L2a;2%f}Q4 313$ when fili'. accizieni had ::)<?::*.%:2r§€{§ mg.

' V' ""25§,3;.?2{}{}4h E am cf {ha View ihat in ihfi {acts af the §:r£:§a€::2,€.

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case, the Commissioner was justifiaé in corz1L*1g i:.11c=:

conciusiozi that the liability is to be fasteneé oxzltihe
Company. Even though {he juégmanfs «citéfid
Cmmsei far the respondents dc: n0t:"ae§:§_£_it" bf

fact that this Coujft had {flat £11; "*.;:2c'§1nicaj"

objccfion 03111101; come the Wa_}%_§f.fa9;1;:3n.i1.1'g"'th.(:A is to
233 kept in virszw. '

9. T}:1é§::~ef}§;1i§_, :11; 1%;.&mao:; that “these appcals

are devoid of éccordmgl}? dispased af

with no caries: as ifgiyf-f*.*»’*.’~V1lSV-_ “T}1€_>é;IDf€.=Tv-1Iitifl deposit before this

Court shalibe §:i;i§;I5;:r3éd._1”?;{§

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Sd/-Mg;

Judge

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