{"id":171513,"date":"1986-04-15T00:00:00","date_gmt":"1986-04-14T18:30:00","guid":{"rendered":"https:\/\/www.legalindia.com\/judgments\/national-insurance-co-ltd-vs-smt-maya-devi-and-ors-on-15-april-1986"},"modified":"2017-01-23T02:50:36","modified_gmt":"2017-01-22T21:20:36","slug":"national-insurance-co-ltd-vs-smt-maya-devi-and-ors-on-15-april-1986","status":"publish","type":"post","link":"https:\/\/www.legalindia.com\/judgments\/national-insurance-co-ltd-vs-smt-maya-devi-and-ors-on-15-april-1986","title":{"rendered":"National Insurance Co. Ltd. vs Smt. Maya Devi And Ors. on 15 April, 1986"},"content":{"rendered":"<div class=\"docsource_main\">Punjab-Haryana High Court<\/div>\n<div class=\"doc_title\">National Insurance Co. Ltd. vs Smt. Maya Devi And Ors. on 15 April, 1986<\/div>\n<div class=\"doc_citations\">Equivalent citations: 1987 62 CompCas 120 P H<\/div>\n<div class=\"doc_author\">Author: P C Jain<\/div>\n<div class=\"doc_bench\">Bench: P C Jain, S S Kang<\/div>\n<\/p>\n<pre><\/pre>\n<p>JUDGMENT<\/p>\n<p> Prem Chand Jain, C.J. <\/p>\n<p>1. This order of ours will dispose of LPA Nos. 294 and 295 of 1984, as a common question of law is involved in both the appeals.\n<\/p>\n<p>2. It is not necessary to state the facts, as there can be no gainsaying that the appeal is covered by a Division Bench judgment of this court in Shri Ajit Singh v. Sham Lal, [1984] PLR 314 ; [1986] 59 Comp Cas 946. However, the said judgment is being distinguished by Mr. Bhagirath Dass Seth, learned senior counsel, by contending that a specific plea had been<br \/>\nraised that the liability of the insurance company did not extend to the entire amount awarded, but was limited to Rs. 50,000. We are afraid, we are unable to agree with this submission of the learned counsel. A similar contention was raised before the learned single judge (National Insurance Co. Ltd. v. Maya Devi [1985] 58 Comp Cas 241), which was repelled thus (at page 242):\n<\/p>\n<p>  &#8220;The amount claimed as compensation in this case was Rs. 1   lakh which was ultimately the amount awarded to the  claimants.    In the return  filed  by   it,  the  insurance  company had indeed  raised the plea that its maximum liability was Rs. 50,000,  if at all it was held liable. The most important evidence on this issue was undoubtedly the insurance policy itself.    What is on record, however,   is only exhibit R-1   which appears to be  a carbon copy of the policy of insurance and that too of only   a part thereof.    In   the   column,   limits   of  liability,   the  figure, Rs. 50,000,   is   mentioned,   but  it  is  against  the  column &#8216;limit of the amount of the company&#8217;s liability under Section 11(1)(ii) in respect of any one claim or series of claims arising out of one event&#8217;.    There is no evidence on record to  explain what this clause means.    At the time of hearing, counsel for the owner produced the original policy of insurance, now marked as exhibit X, and a reference thereto showed that this clause was with regard to the  damage   to  property  caused by the use of the motor vehicle.    There is another separate clause contained in exhibit R-1 which related to compensation payable in respect of death of, or bodily injury to, any person caused by the use of a motor vehicle.    This column was left blank.    In these circumstances, there is clearly no warrant to hold that the liability of the insurance company was limited to only Rs. 50,000 in this case. The provisions of Section 95 of the Motor Vehicles Act, 1939, were next sought to be pressed  in  aid by the counsel for the  insurance company, but these are clearly of no avail.    There is no bar in Section 95 to the policy of insurance covering a  liability in excess of the amounts specified therein.&#8221;\n<\/p>\n<p>3. Mr. Bhagirath Dass Seth has not been able to persuade us to take a contrary view other than the one arrived at by the learned single judge.\n<\/p>\n<p>4. Before parting with the order, it may be pertinent to observe that the statute does not put any restriction on the liability of the insurance company with regard to a tractor.\n<\/p>\n<p>5. No other point arises for consideration.\n<\/p>\n<p>6. For the reasons recorded above, these appeals fail and are dismissed, but with no order as to costs.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Punjab-Haryana High Court National Insurance Co. Ltd. vs Smt. Maya Devi And Ors. on 15 April, 1986 Equivalent citations: 1987 62 CompCas 120 P H Author: P C Jain Bench: P C Jain, S S Kang JUDGMENT Prem Chand Jain, C.J. 1. This order of ours will dispose of LPA Nos. 294 and 295 of [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[8,28],"tags":[],"class_list":["post-171513","post","type-post","status-publish","format-standard","hentry","category-high-court","category-punjab-haryana-high-court"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>National Insurance Co. Ltd. vs Smt. 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