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Hm 1519315,' ASHOK NAGAE.
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226 mm 22?. '---0F?j"_'Ei'EIg« _€l{)N1S*.T£*'£1J'lfION OF INDML
mmm m éfQ13£i'.3.I~l' mm AWARD
mama Q'?._1flQ.${K3i'5:3-?p§8;3E3)VVfl'f M,v.::.5&4 or 2004 on
'1'!-IE mg UF.' M~€IJffi'0R_ ACCIDENT CLAIMS
immaa, C£33.IR"£'."€£)F mums, BANGALORE
vms Amt-A a; B. _
2 % §Aim*z_m_m mam mmmmcz co rm
_ i*3s_'-Ifi. 21,'=s%'1* 14fA"I'RICKS BUILDING,
SE_UM§RW, BANGALORE 25
'fi'*iRE2'3'Ut'}H REGIONAL OFFICE . UHITED E1 DIA
1:§$::.7Rn1I'cE cc: L'rm.,sHANKaRA1mRAYA1m
~ mmma, MG. ROAIJ,
550 001 APPELLANT
{Bysz-1oMA1~na:sH~A1:3v3
4 *9
lV§V1EII'}I moss,
5.3!-{OK NAmm_;n away:
I sfzaam, mmaaaamxanx
ngsmnmnm
L _ camsn ma ClR1- ADV}
" MR5 szf§:;%zW.z:m;s 1*?3(1) cur MVACT Ammsr TI-IE
.mmz~mN*3' Mm AWARD Eu-.TED:o7;10;2oo5 PASSED
_ mwm N'£i);E:83f 2904 on rm: FILE OF 'rim vm ADDL.
% '5.r§.;_}j'f3'-,H:'_.; mum up %JALL musas & mmna,
z¢&.mr~;a%;%.nmm0mLrrAN AREA, BANGALORE, (scen-
%§§3.waRr>mG c01u11=B.NsATIoH QF Rs.92,oc-01- WITH
FQREGNATE CGST AND IITIEREST @ 6% PA.
ms 'WRIT PE'Z'I'I'IOI'I ARI) NH'? coma on
man PRELIMARY I-iEARING ms rm' THE COURT
mm. mm FGLLOWWG; \.\/
-nu-I -so-won an-r-aux wt I\f'll'\E'I£'lIl'Il\l"'| a§E§'%if£"i \t\lI.ll|
caannm: bx: mm Iiabxa and mm-atom they sought
dhmhual sf the writ petition.
3, The txzihrunal framed
gamma' d as Pm. They mmf a s I?
H Fral-mash and ma Ashnk.
Emm ta R19. On an
Muxthgr was» produeecl
the a mirant R2 respect1vu1y' .
M t:r2'.a1W§f thg: widmce an
resztmi is amzttitled ta
E.f3.,'?fl,fi§ 5fif~. as' and finr the son Vijay
awarded an compemaficvn.
-$2 yivmme is preferred by the hmumnm
the.aw°arcl in favnnr of Frabhahr.
awm-dead no the awn is 1%» than
,._. _ %é§;m;.ma:--, m aw: lien, the-.:-mm, they have
g:«:1'eferre& this Writ petitintm. Tibia is how bath these
mmmm£htwmgemm%r .
-.... -....-u --wu-nu up. IIt'Il'IIwl"'Il'Il\r\ In-UII 'urinal \l'I lur-hI\1I.Iv'I1!1I'I-r'l lll\il'a \uI\Ih!I\i \ulI' I'-l'|l\I'l'|Il'|l\f§ I"Ii'u3l"l 999'
Eu Sri (3 Mnhmh, learned munsel app-aarix1g.'
the inaumntzm Cow' aontcnda that in "
'Jahixziuas am, 1933, fiar mm
"me get' undezr swz.2(3r.>; um
dmw, whme a alight.
Parlkmzt whm 'fi?:~*:._finijti§finr1«-Aoffitlre
"flwfi im 193$} Act. a person
in paasmafian of aocidmt
«am held an be' the pmem
Am, the whose: name. the
vehicle he camuia that
what: was the "Omm" at' that:
am caf the madam, the
mt rakesrx in his mama, it was
of the Fm: respondent Mnfismk
while obtainixig the. policy Aahok
not the “Qwnm”, but by Inn-«din-cloaurm af
% % rm and by a reprmentatian of fact which
me, am paling! was obtained and mm it in
‘ wfi and mmrammbxe. Tmugh, this point was raised
awargua::1,n*munn1di:inotczcmide1’t}:esam¢and
V
any-12:11;-u:rIa\a”I ill’?! I Vtfillll
thcrefmrm. M mm fer aattirzg-aside the award of
trihmwl m the mctant :3? fastening the liability
Imuraxwe C%..
6.. PW mafia, Bmrrmd eougaai
xmpcmdenis supported the
3-1'" in aformaii
aontmmions, relevant
of the Act
wmch regcjs AA "
a person in whose
V’ ‘1’;I_;.fl1Ifl&AE”£ flJ fl’sl€§2″ vehicle stands twinned, and
_ is 9. minor. 151$ guardian
” ._umi’f.&3.1?a:::hL”_~v,~:.t;:i:’;j(:it’, and in. relatflon 9:: as xmtar
k the 3-ubjm of a him-
. m’ an agr-%ex1t af
1aaa.ae.o_1;~ an mmem -of hypothmtien, the
“§..”~hi’*1fSv@Xi in poaswaicm of the vehicle under
W.
“swam” xsvaiummctaeagh with req of
and }’%.n1§m. uffiability which reads as undar:
..v..- w-vs:-nu vs nu–u=nI:13r’u\r| 5!!’-‘M’! VVUI
{3} In :2re3«e::r tn oomply with the rcaquirwtss
mi’ this Chapter, a policy cf inauxam muat
he a. policy which –
Ija} fm fisauad by .9. pmon who
authoriaeci irxsurmr; and
{B} Fzzmuxm the pemcm or
pemans specified in the
mum smified in a:fl::~_secti;2:;’i52)-
{ii awlmt any whim gray 3
am cieathfl’ or two
arty pman; ef
padss- ‘er ‘ “is.tut}’1;7:’;2r’ia&
e:f«%a%%mirdp.ar2-,v caused
~._b3v $33 a.riniugTm1t”::f ms of the
“”” – _
“a§L$ins:_t1″1¢”:i¢atfi’-.9f–~nr bodily ‘m._;’ury 12::
arzgf an ptxbiic service
_ aa;3;:Jm’=_by~”‘ar arising out cf the
V, ._i ” ma aims vehicle ‘mm. a public place
ta thc pr::~.=13o’ to sub-section
{‘1}’,;_~a paficy of ixzaumw refarwd to in
&?Jb*i$aéGiiDR (1), 3&1! nmwaer any liability
in raspact of any ax:x:1da11′ 1:, up
” the fcxflwwfim linfim namljr. -»
‘ – Vgag save as pavmaided in clause [b] the amount of
Eability incuxreci;
Mix: rwpeczt of 4.1% to any property of an
th’n’dparty,a%itofrupeessixf11o1mand:
Prowrideé that any pohicy of inauranue issued
wfithamrfinlitwfiabfilitymtdinferce,
inzmdiamely befiam the m m till’
VTIETVIITI I IIQVI I EXT!’
the date cf
earlier.
It is S¢cticn’149 which mam an abfiggtiszfi A T
Ixxurarm {Tawny to satisfy the iv
16
expiry cf such pelk.-y wmclmm
wwsoh rmda as madam’:
Saac:.3.49: Duty of
imumé rin reapaat s::a’:f’…_’c_.l:'”V%:-h1-<:.¥.–
m If, mam a _ "
_§u1i*&ecfinn
{3} <2a£':'au_e:*.v::~:vti:n1::L' 1.14'? in of the:
'pc*3:'a¢':1 has been
–wec.:1eci, Judgmt far award in
T siii:’i:2;’liabi1i1y as is
t0__ba__cra1éered
twapolicsr
‘ ._unc1c:r.”e3siu.a5e—.,[b3 sf aubsecfion [1]
:’1fv$iacfiz:1′:ti– “EE!;$7 a liability
hy flie harm :::If the pcalicyi
(air the pmvisinns qf aectian
ub% agmnst any
maul-ad by the poficy, then,
T. _ – that the imurezr
” A be entitled to avoid or cancel
“pr may have avufidad or c:anoe&
policy, the insm’m* 3113!},
subject to the praviaéona nf than
section. pay to the peraan mtflled
to the benefit of the «imam any
sum not the mam
aamrw. payabh the:’e1n1der, as if
he warn the judgm1t dabtor, in
respect of the liability, together
with my mzzauunt payable in
rwpwt cat’ mam and any mm:
payablaa in rmpact of intcmeat on
that sun: by v£r’twe cf any
M’/A
– ” I I\l’\Rl’l’II”‘lI\l”I ISIYFI €Y9¥|
r Itvlrvwsnpu uwu I’U”1m-t->nsxnI1sa9–1|lIl’I annual! \¢VVfR.\R $5 l\J”‘IlkR’i’lIl’II\vl’l IIIIIII \I\f¥flI Y! l\fl’\I\I’Il’%ll”I.l1wl’\ IiI€I’I %Y9!\I TI I\P\!£I’f’Il’\i|lI III’J’II EYURI Y
muneznt mlating ho intarcat on
judmm.
chapm X: of the Act am with {
mom»: wkmle” agmrtm-‘ tthzr-d’ mrty
tlairvd party whx: Tm net a aimmtgqr §:’:cr_ &
mmrmzi of inaumfi but is,
such mnmact. The gm:
the vemm. and does
not came of paywt
af has baen paid at mat
53 mt the party, who is only
amt, awe am a policy imam
mm in the aecidexzt and it
ss%um%1;g this policy that the claim can be
third party agamt the inaurar.
r 145:1; mmim a mmmm 9f the um at’
V . ‘::”-;i1:Qv_1’?%flflr’£t1:r which without an imuramc: policy having
‘% % mm in aawrdanoe with Chapter 3:: of the Motor
S 3 Vahicim Ant. 1%: manifest abject (if this provision is to
mmumthethirdparty,w1mIsuEersin3’uriasduetcathe
$3:/”V
up on-run -u–an-ursnn I awu’1.r5i’¢r\Ir’\|\r’I iénlwallz \-tiuffilli
122.
uscmft1mxmtx:rxaa21ic1e,tog¢td%mfro:cr1tk1e (mm: H .
afthe*w:hcia’
dapemfl an the financial ooenriitiozi or whaenoy of %
mm aftbe velfida which unnamed as g ‘.
the varfinla am: has mua-ad the The
mnviaicn iii: not make minpuhoxy
velhiclse arr to the mm. in;
me wfiwma er rm
can mm three wahicha,
the much Ham-.3 or an
mum m is only with ma
pg fin ziotwta the property. Chloe the
:3}:adm*mmen the liability to the third party
recmreex’ any amoum; ulndm-* or by vzirtue
of me am: in wt ammm by any
3ec5mn.i4?aftI1aActwhi:hdeahwit}1the
‘ mq ormmmsmmm afliabfility pmv1daa.a
pu1icynfir1sumJ3c:a:1n.mtbeapo1icywhich’missuadby
V
– I\l\ I RE. I”IléI’ \I\IIII\I ‘ll I\I”lI\l’F’Il”\l’\E I’ll?!’ \I\’Vfl
v —–u-n- –4 Ilvlawu-«’-¢’¢:l’1!J–IvIU’D usauazn V; II:-Illxll-t:l’II\r’I Inliili \a\IlIl\l VII l\nl”I!\l’Il’\ll”‘I!\f”B IIIHI1 \u\lIIRI ‘ill l|I’f’| 5” ‘
a pexrmwhca is an autheriwd imumr and irmlzraa
palm er alwseu of pamam specfiaed in the
the mm: apecifiead in sub-3-action (:2). 3 T
pa}1cy’ is issued umm seem” :1 147(2), §i:.;.’£;§r.’ar:§f
irzaunenr be sa&t3r the: judflntasau
pest-saw insured in reapect
mm secmn 149 star th«:;.’_1*j’s–a::t. 147* and
149 rvfiers m the
emitifiate xctf by whom
the poficy nut &peci&a]1y
statue tkmt?%_h¢_ he that ownear at’ tha
£249 “” “as that arms: a ce:rt1f’:u:::a’m of
as assume: in favcur of the pagan
policy has new effwted, mtwixhamndmg
may ha entitled tr: avoid or mg} or
. awidecl or aansoelled the policy, the imurer
ambj-mt to the wavisinrm caf Section 149, pay 1::
.tk1epex°ar3nwhniaexxtit1c:cib9t}1eb%1te-fthedecr¢¢ %
\;\/
nu-urn-any iIa’1t’aIrIar!aIrI illirai Vail’!!!
any am not exczaedim the sum. aasureci
‘fine wnunds on which
clam’ 1’3 clearly act out in sub-Sec:ta’nr;i;’.(2’j’.A_§_if:’T’A
suumam :53 Mm the
t}:n: mmmz ifizlaf ‘i_;t.x.”1a.s.:_}1:r-n.:::};«9tuaa of
sub-mmtian (21 cf xi 1,-he ram or
:’:f 5 pmxdent he will talw
tltle risk Vat and can what
with efibct <31' certificate of
% 15? mm with tzmzmfiar of certificate
at' clause, in aub-swtien (1) of
the irusux-ed 21:-mafia;-5 the mnmhip
% vv.-shiczc, certificam of immrame and the
in the cmificam {shall be deemed to
% 'maxi mum-ml in favour of ma pmon ta whom
tha mam? vefficle 7m nmiafinrred with cfiact flora the date
the"/W
af transfimn. Thus, the object af iaw is in pzmtzact
I NUVIIJIIE NI! I'l3"§$"%I'Il'§Il'\I\FI
" f\fl [Ill IJII E9311
(I!?I'I VI" l\l'\fiI'l'IIl"II\-I"| TIIVHTI \-IVIVRI 'Ir I\"KI'f§lf§'\l\ TIIVUIW VVINIBI 'IT I\l'$flIIl'|Il\l\l'\ FIIWTI \n¥|Ill\I \lI' l\I'I"If"- I5'
15
izmgraat. at tlfird gm:-um under all
mv1d’ esdthm’e’5wa.va33d’ eartafica” heofixmuranm.
3. Efiare a many could
Imuranm Comgmrfif. them ” a
irmtxzmme as caantmplatad pf “It:
should be a peliny isauaé
the pemsuza. cr in
the Imliw m m: my
liabifitjg. The aagaézamzmszy used the
#1 favour of the
poaljny ts: §$:.1x2j_;c1 of the person who pays
in fawn: of the
sen::.14’7′, er Chaptar XI the: word
an mining. Therefinre, in
. afomaia provhion, am mmmt mad it in
mu”.-.m um smniubn of”(‘.}w’nm”” m find out
% ma policy issued is in the name ofthe -owm-*.
§Lh1th¢:mtimpo1icytImnamcofthc(}WRERaf
the uehicha ia cacnttmpimsuarualy It is not without
\M/’
ur-nur-usur-u magnum: Variants’: ‘rt !\l”Il\lII”Ill”\l\I”I Il!\III Iuliufllll
atzgr mawzm ‘me who}: principle underlym tm
cf hsuranm in m in-de1nni{‘y the insured who pg-,»gy
§m’¢em.i1.2ma21d mm the personal risk of T L
be mkeu a vafid policy and
mm m risk. has in mum.:aL
Similarly, an a. third party we 1
makm rm insured a and
abtairm a judflvgkar he pa
tha mmmmamwx contaimd
in Sawing” rm %;4»’§ 21:: queatiszm of
« p at arisen. Wlxat is
imam: in the acc3:1c1′ t
is made.» £1 pmym
whaiwr any judizt or award
isAfis2Va§§:a_VdA 0% these mndhium
Vvarxg ” Inmxmnaa Company is liable ha
” fifltfp’ omwm woulci mt aewethc
cfthaeAct,w17&chi.s a aamhl aa wdlas
welfare Imxlauon. V”/%
an urururu-n Ir: lIl’I~a<.'~&'l'lEr'lIIS"I
.. – " I\.I"| I\l'I I"liVUI"I in UN
-annulus vvnqnl Vs i\.9’|nnir-all-|n.r’| IIIIWII Vlllialnl ‘ll l\l”!!\I’l”lIl’|l\l1 r}I\Fl’| \n\l\Il\I Eli l\!”ll\IIl’|.IP|l|l’l l’II$I’l \n\O’|Jlll \i’I I\i’F|ll”l \5′
3%. A copy at’ the inaurangaa policy ‘waned by the:
irmumm company Tn pwodmzed. It mnmma rim
numtm, mm and add:-ma and buaimaa “j~~VV1.;11¢]f %
iz’1a:ur*$:-c”9;.,, g%a.pl3im1.a;raa, mg. 1113.,
mi, malct, yaar of manufactu1%’m,V figrgc cf 3
:11′ seats and ather mrhcfiularn of
mvidm far the amunt 92’
vi” the wlmh, limitation an of
partimliarsv. pcélicy is muad in 13116
name at? 21-9-21133 who ‘3
as iaaumi in tmtms of 833.147
Eaf an the dams of the aecadml
made a party in the claim petition
: passed an mm euex1aga.imt the
Owe the 1*! mpmdmt :’..e., the policy
mam ajuaw: and mm atthe hands af
ezaima neilmmalana once ha has mm a policy as
requ7E*adLmderaac:.1-4~’? afthe Acthyvix-1:ue of 8-93.14-9 of
m/%
I uavrtvnnx nwl”II’»l’rIIJ”‘il\l”I IIIVII ‘Il\liJl’l
18
the am, am Ir13um.tme:Comany is, bound 130
tha saimfi smma. The said imam razed mt
www af the vellicle an the dam of %
, the a-ihunai mmmjnm no T
the an theirmurama Compgn5?.”–
m. In mm of m.3,_-19 gm, tzribwmlhas mg liability, as: an appeal original m.a.tber of the a Court of firet apwfi to moord
thmn §av:hi::1’r’1 ‘i.»;-r natures of tm quwtien of
n _____
~. of the matter, I do not see any
writ petition aa well as in apml.
.1 V it in
E3. Thc amunt which is deposited by tbs
aomqumy imam this Court at the am’ of
V’ m’cferrti11gthea.ppea1,t}:1¢-sanzw shallbetrammitteadtao
\A/
—. up-ruruu ‘pa -ur’IlIlIt”I-U’Il’l”l IIIIJII Ivitvnl VI Iirlsmlililrlllrl llliflil V09?!
19’
am tribunal rm-mm m-ha.-mg paid tea the cmmanta
tkzetribuzfl
, Juaga f$ a