{"id":173400,"date":"2009-11-03T00:00:00","date_gmt":"2009-11-02T18:30:00","guid":{"rendered":"https:\/\/www.legalindia.com\/judgments\/oriental-insurance-co-ltd-vs-durgamma-on-3-november-2009"},"modified":"2014-07-19T13:50:51","modified_gmt":"2014-07-19T08:20:51","slug":"oriental-insurance-co-ltd-vs-durgamma-on-3-november-2009","status":"publish","type":"post","link":"https:\/\/www.legalindia.com\/judgments\/oriental-insurance-co-ltd-vs-durgamma-on-3-november-2009","title":{"rendered":"Oriental Insurance Co Ltd vs Durgamma on 3 November, 2009"},"content":{"rendered":"
Karnataka High Court<\/div>\n
Oriental Insurance Co Ltd vs Durgamma on 3 November, 2009<\/div>\n
Author: Anand Byrareddy<\/div>\n
IN THE HIGH COURT OF KARNATAKA\n\nCIRCUIT BENCH AT DHARWAD\n\nDATED THIS THE 3rd DAY OF NOVEMBER, 2o09:']*..\n\nBEFORE\n\nTHE HONBLE MR. JUSTICE ANAND BYRA\u00a7'<ED'13_Y  I\n\nMISCELLANEOUS FIRST APPEALINOS.' '3V1'33\/2--(i_'(i4_ \n\n7953\/2004 85 8134[2f\u00a7{)4\nMFA No. 8133\/2004 I ' ' I\n\nBETWEEN :\n\nORIENTALINSURANCE CQLTD  "\nBELLARY  \nTHROUGH ITS BANGALQRE_'=.  2 \nREGIONAL 0EE1:::E,'---N0:44\/4_:5:,  ' "\nLEO SHOPPING cg::M_P1.,EX,';_ _  " \n\nRES1DENCY'_'R'O"A13_J  4' \nBANGALORE --V 56Of{)2I:3.V  \nREP BY REGIONAL M,ANAc3E\u00a5-:"  APPELLANT\n\n(By Sri. ..: G.1\\f.'RAIcHUR;- ABV)\n\n    _____ \n\n E " ~ .DU~R('}A'IVIMA\n\n 31 YRS", \ng "1.Aw\/0-HANUMAPPA ITAGI\n-.12 \/Q~i\\\u00a7A}?:{NAL VILLAGE\nTQEKVUSHTAGI, KOPPAL\n\n' *=.13AL}AMMA\n=  \u00a336 YRS,\n\n'V55 \n\n\n\nW\/O RAMAPPA ITALGI\nR\/O AIARINAL VILLAGE\nTQ: KUSHTAGI, KOPPAL\n\nNAGARAJU\n\n20 YRS,\n\nS \/0 HANUMAPPA ITAGI\nR\/O NARINAL VILLAGE\nTQ: KUS1-ITAGI, KOPPAL\nAKKAMMA\n19 YRS,\n\nD\/O HANUMAPPA ITAGI V\nR\/O NARINAL VILLAGE  -\nTQ:KUSHTAGL\nKOPPAL\n\nDURGAMMA\n16 YRS, ,\n\nD \/O HANUMAPPA I',IiAGI-, I\nR \/0 NARI1\\\u00a7AL VILLAGE '~ \nTQ:I<USII<_rAGL= I<:QPI?AL'"'\n\nLAXMA1\\\/IMA' -\u00bb A  '-\n14 YRS, ' I   \nD \/ 0 IIANUII\/I'API\u00ab:A "IT_A'GI\n\nIa\/..0 NARINAL VILLAGE\n\n.. \u00abiIjQ: SI{USHTAG1z._.__'_\u00a7C=PPAL\n\n.  RA.,MAKRI'SHNA\n" V _  1 'i\u00bb'.RS," S\/O HANUMAPPA ITAGI\n~. " \/o\u00abNA_RII~IAL VILLAGE\n'  TQ: }<.US.,.I1TAGI, KOPPAL\n\nDQDDABASAVA\n\n A  9 YRS, S \/O HANUMAPPA ITAGI\n\n\/0 NARINAL VILLAGE\n\nV'  KUSHTAGI, KOPPAL\n\n8\n\n\n\nU.)\n\n9 SI-IIVAGANGAMMA\n5 YRS, D \/O HANUMAPPA ITAGI\nR\/O NARINAL VILLAGE\nTQ: KUSHTAGI, KOPPAL\n\n- RESPONDENTS6 TO 9 ARE MINORS ,<\/pre>\n
REP BY THEIR MOTHER AND NATURAL
\nGUARDIAN — RESPONDENT NO.1.\n<\/p>\n
10 CI-IANDRASHEKAR D KALE ;\n<\/p>\n
MAJOR R\/O GODABALEMALA’-._ 1 ..   ‘ I _
\nBIJAPUR V . RESPONIEIAENTS<\/p>\n
(By Sri. : UMESH v MAMADHAPv[IRV,IbAD\\} EORRI:  I<\/p>\n
THIS MFA IS FILE.D:”UN’DE;R.SECTION 30(1) OF THE
\nWORKME3N’S cOMPENSATI=ON.*’  ACT .”;.vA’_c}AINST THE
\nJUDGMENT AND AWARD’ vDATED.A’1,3.9″;2Q’04’ PASSED
\nIN NO.WCA.1]~3′,’?,Q’O4 ON; THE.  THE LABOUR<\/p>\n
OFFICER_S___3’ANDV:;,__CO.MMISSI().NER FOR WORKMEN
\nCOMPEVNSATIOIN, KOPPAD. AWARDING COMPENSATION OF
\nRS.2,21;.844\/~ .WI’f’}I,_Ii”ETI3RE}ST ‘AT 12% P.A. & DIRECTING
\nTHE APPELLANT HEREIN’-TODEPOSIT THE SAME.<\/p>\n
MFA NO. 7958\/2v0O4._ R’<\/p>\n
   IIIII <\/p>\n
‘*._OE’IENTAL~INSUEANcE co LTD
\n\u00abEIJ.APUR;–\u00ab._, ‘ ”\n<\/p>\n
THROUGH ITSIBVANGALORE REGIONAL
\nOFFICE NO AA\/45,<\/p>\n
 ; LEO SHOPPING COMLEX,
\n  ‘RESIDENCY ROAD<\/p>\n
6<\/span><\/p>\n
BANGALORE,
\nREP BY ITS REGIONAL MANAGER  APPELLANT<\/p>\n
(BY SR1 G N RAICHUR, ADV)<\/p>\n
ANQ<\/p>\n
1. HANUMAWWA
\nW\/O KARIBASAPPA   _
\nMAJOR  _  v
\nR\/O HOSUR, TQ: YALABURGA’.  I ‘
\nDIST: KOPPAL , <\/p>\n
2 MANJUNATH URF’ MANJAPPPA
\nMAJOR
\nS\/O II>A”   *  1′
\nR\/O HOSUR, TQ: YALABU_Rc.TAV
\nDIST: KOPPAL   <\/p>\n
3 C D I<ALE_..\n<\/p>\n
MAJOR H  <\/p>\n
SI;.\u00a7DESHI;i;fARA.DIS:TR’IEUTORS
\nC \/’O RAMA EATTERK  _
\nOPPPWD OFFICE   <\/p>\n
RAICHUR _  RESRONDENTS<\/p>\n
(By  J S SHVETTY, ADV FOR R-1 8:; 2<\/p>\n
  & SR1 UMESAH v MAMADHAPUR, ADV FOR R-3 )<\/p>\n
  FILED UNDER SECTION 30(1) OF THE
\nWORE{MEN”S’j_ \u00a3=COIvIPENSATION ACT AGAINST THE
\nJUD’GME’N’I’-,\u00ab–AND AWARD DATED 31.8.2004 PASSED IN<\/p>\n
 T.NO.24,<.20gI4 ON THE FILE OF THE LABOUR OFFICER AND
\n _COI.IMISSIONER FOR WORKMEN COMPENSATION,
\n '-.I'PA_TIL, AWARDING COMPENSATION OF’ RS.2,21,004\/-<\/p>\n
 WITH”INTEREST AT 12% P.A. DIRECTING THE APPELLANT<\/p>\n
   I-IEREIN TO DEPOSIT THE SAME.\n<\/p>\n
<3<\/p>\n
MFA NO. 8134\/2004
\nBETWEEN:\n<\/p>\n
ORIENTAL INSURANCE CO LTD
\nBELLARY<\/p>\n
THROUGH ITS BANGALORE
\nREGIONAL OFFICE, NO 44\/45,
\nLEO SHOPPING COMPLEX,
\nRESIDENCY ROAD,
\nBANGALORE— 560 025
\nREP BY REGIONAL MANAGER –   APPELLANT<\/p>\n
(By Sri. : G.N.RAICHUR,–AA’::v) <\/p>\n
AND<\/p>\n
1   ,   _ —\n<\/p>\n
W-,1O’~DURGAPPA\u00bbA.v
\n31’YR’S-._ ‘ ‘  <\/p>\n
_I-I.IRE1\\IuII’\\'(:}AI?I.3’A
\n.. \u00abAS\/O EYLAPPA_<\/p>\n
\u00a30<\/p>\n
 I3  I  ” ‘SAIIGAI’Iv:II\u00a7AA<\/p>\n
~. ” –.._w}’O”_~I\u00ab{IRE’NINGAPPA
\n‘  58 ,Y.RS\u00a2._ *<\/p>\n
– ~~ ALL ARE R \/O NARINAL VILLAGE
\nTQ: KUSHTAGI, DIST: KOPPAL<\/p>\n
  142:’  ‘CHANDRASHEKAR I).I<ALE<\/p>\n
MAJOR, OWNER OF THE VEHICLE<\/p>\n
E<\/p>\n
all these three appeals being the insurer of the vehicle
\ninvolved in the accident, is before this Court.<\/p>\n
3. The common grounds that are raised in [these<\/p>\n
appeals are that the deceased victims were unaJ._1thoiis_ed’<\/p>\n
passengers being carried in the vehicle and sincie._Vthe:_v.ehicIe _& <\/p>\n
involved was a goods vehicle and sinee”Lhe71iabilit\u00a7”.did”not7<\/p>\n
permit carriage of unauthorised pers’o__nsx_in the’;-_:\u00bba’id veh:i4c’iep,l”<\/p>\n
the liability of the appellanlt–‘ivn:s’urer  ttakeizx  and
\ntherefore the Commissioner was ‘error inhholding and
\naccepting the contention   were harnalis
\nthat were   fastening the<\/p>\n
liability: on the’ivins_uiA9ed.–_Se’cond_ly, it is contended that even<\/p>\n
if it is acc’ept’ed that were hamaiis, the policy of<\/p>\n
insurance that  hissu-edvlby the appellant did not cover the<\/p>\n
l””risk.-_@:f Coolies or harnalis that were carried in the goods<\/p>\n
 yehicle=. V:\ufb02V’_hcVlicert.i\ufb01cate of insurance would clearly disclose<\/p>\n
tha’;__a  was paid to cover the risk of the driver and<\/p>\n
.”..t1’1C cleaner and not hamalis and under Endian Motor Tariff,<\/p>\n
“::prerni’t\u00ab1m prescribed under IMT 38 thereto, is a sum of<\/p>\n
 Rs%.25\/– each to cover the risk of the driver and cleaner<\/p>\n
which amount had been paid under the policy of insurance.<\/p>\n
The maximum number of harrialies that are legally <\/p>\n
to be carried in a goods vehicle are \ufb01ve in ]_’1’L1I’I’1iIiE”:’I’vi..:”‘z’3iI1’i’Ci-~_7i’-<\/p>\n
unless additional premium was paid_ und,er””the.lM’l”,3\u00a33v <\/p>\n
prescribed under India Motor Tariff,*.__the;ir .riskt\u00bbis”not coiiere\u00e9i_’<\/p>\n
and hence even if it is accepted that the dece.ao.e_d were , *<\/p>\n
hamalies that were carried in th1i:(:;V._iiy%gehVic1e,ii  there is no
\nadditional premium  vine.jcoinsideration for the
\ncreation of a contract of risk of such
\nharnalies and?__i: the for Workmen
\ncompensation   the liability on the
\ninsuraricie i  my 71 <\/p>\n
4.iThe”counsie\u00a3i:.ifor”respondents, on the other hand,<\/p>\n
would. ,su’prnit whether the deceased victims were<\/p>\n
i”vhamaliiesf’eor “i1nauthorised passengers was clearly a question<\/p>\n
 of’ifa_ct;tA the:giCorn_rn.issioner having found that they were infact<\/p>\n
haroalies,.is”i–r1ot a question that can be gone into in the<\/p>\n
‘present appeals as it does not involve a substantia} question<\/p>\n
 but is a question of fact and therefore cannot be<\/p>\n
adjudicated. The further contention that there was no<\/p>\n
6’<\/p>\n
10<\/span><\/p>\n
for the appellants does not render \ufb01nality to the question
\nwhether liability of the insurer is absent. The counsel would<\/p>\n
further submit that the claim being made under ags(‘;.cial<\/p>\n
beneficial legislation, has to be viewed in faV'()l.1.lf’qiuO’fV.<\/p>\n
claimants and given the room for doubt as to the livability off <\/p>\n
the insurer, in View of the fact that policygofV:i11.suvrance”‘.<\/p>\n
being issued is not denied, the bene\ufb01t doubt_–v_has to<\/p>\n
favour of the claimants and therefore denialoif pcompeinisation
\nwould result in gross inji.istieep..andiheiice woulidsubmit that
\nas no substantial question  lavv7i:3 invol’v.ed,. the appeals be<\/p>\n
dismissed.\n<\/p>\n
El. Givenljhe abow;-“facts and circumstances and on a
\nclose examination’ of-,the ‘1-‘,ec”or’d, it is seen that the liability to<\/p>\n
cover. the risk of ‘a driver and cleaner evidence the payment<\/p>\n
 additional..&premiiirniiof Rs.50\/– which is paid under the<\/p>\n
  As is fully evident, the additional liability<\/p>\n
to’c_overf1’1e’-risk of hamalies or coolies carried in the goods<\/p>\n
igvehicle’ wculd be attracted under {MT 39 only on payment of<\/p>\n
iiadditional premium of R325\/– each. This is not apparent<\/p>\n
from an examination of the certi\ufb01cate of insurance. The<\/p>\n
6<\/span><\/p>\n
11<\/span><\/p>\n
standard clause exempting liability in respect of workmen<\/p>\n
exceeding the number of persons permissible to be..Vca,riri.ed<\/p>\n
under the provisions of the Act by itself does  _<\/p>\n
liability on the insurer. It would only indicate_:that’~.eVen  <\/p>\n
such liability is attracted, it cannot exceed; the.’nlu–rnber.__th..at.i<\/p>\n
can possibly be carried on  v_ehicle,_ under iythie provisions <\/p>\n
of Motor Vehicles Act. It is noti’t’tenable to-co:n’teni:l\u00a7that the
\ninsurer’s liability is   the clause
\nwhich restricts its  Commissioner
\nwas not justi,fieti\u00ab,i.Vp:,eve1i=i__  deceased were<\/p>\n
harnalies that where’ vehicle, to fasten the<\/p>\n
liability: for of,yc\u00abovrr1pe’nsation in respect of such
\nharI1a1ies,fVo”rp allegetfhainalies, on the appellantdnsurer.<\/p>\n
However, sinuce._th’e~appellantdnsurer is only to indemnify the<\/p>\n
l”‘v.j,nsured:,;\u00bb. employer Hinipayment of such compensation, the<\/p>\n
 ‘vthepart of employer, who has not seriously<\/p>\n
disp_utedv.thal\u00a7. the accident has occurred during and in the<\/p>\n
l’gcourse”ofiemployment and that the death of the employees<\/p>\n
‘ilhas ‘occurred during and in the course of employment, the<\/p>\n
6<\/span><\/p>\n
 *SPaadttt   <\/p>\n
employer would be clearly liable for payment of<\/p>\n
compensation.\n<\/p>\n
6. Accordingly, the appeals are a11owedLe’.._””‘T_he<\/p>\n
respondents are at liberty to work out their _r;e’zneglie’s5 <\/p>\n
recover compensation from the employer _.co:_ieeri1.eVd,._ the <\/p>\n
appeals stands disposed of accoi\ufb01dingiiyjev <\/p>\n
deposit in each of these \u00bbappeaIs~-Ape refurided \u00abtot <\/p>\n
appellant.<\/p>\n","protected":false},"excerpt":{"rendered":"
Karnataka High Court Oriental Insurance Co Ltd vs Durgamma on 3 November, 2009 Author: Anand Byrareddy IN THE HIGH COURT OF KARNATAKA CIRCUIT BENCH AT DHARWAD DATED THIS THE 3rd DAY OF NOVEMBER, 2o09:’]*.. BEFORE THE HONBLE MR. JUSTICE ANAND BYRA\u00a7'<ED'13_Y I MISCELLANEOUS FIRST APPEALINOS.' '3V1'33\/2–(i_'(i4_ 7953\/2004 85 8134[2f\u00a7{)4 MFA No. 8133\/2004 I ' ' […]<\/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":[8,20],"tags":[],"class_list":["post-173400","post","type-post","status-publish","format-standard","hentry","category-high-court","category-karnataka-high-court"],"yoast_head":"\nOriental Insurance Co Ltd vs Durgamma on 3 November, 2009 - Free Judgements of Supreme Court & High Court | Legal India<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.legalindia.com\/judgments\/oriental-insurance-co-ltd-vs-durgamma-on-3-november-2009\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Oriental Insurance Co Ltd vs Durgamma on 3 November, 2009 - 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