{"id":23925,"date":"2008-10-23T00:00:00","date_gmt":"2008-10-22T18:30:00","guid":{"rendered":"https:\/\/www.legalindia.com\/judgments\/prabhakaran-vs-the-united-india-insurance-co-ltd-on-23-october-2008"},"modified":"2017-08-30T13:01:40","modified_gmt":"2017-08-30T07:31:40","slug":"prabhakaran-vs-the-united-india-insurance-co-ltd-on-23-october-2008","status":"publish","type":"post","link":"https:\/\/www.legalindia.com\/judgments\/prabhakaran-vs-the-united-india-insurance-co-ltd-on-23-october-2008","title":{"rendered":"Prabhakaran vs The United India Insurance Co.Ltd on 23 October, 2008"},"content":{"rendered":"
Kerala High Court<\/div>\n
Prabhakaran vs The United India Insurance Co.Ltd on 23 October, 2008<\/div>\n
       \n\n  \n\n  \n\n \n \n  IN THE HIGH COURT OF KERALA AT ERNAKULAM\n\nMACA.No. 248 of 2005()\n\n\n1. PRABHAKARAN, S\/O. LATE BALAN NAIR,\n                      ...  Petitioner\n\n                        Vs\n\n\n\n1. THE UNITED INDIA INSURANCE CO.LTD.,\n                       ...       Respondent\n\n                For Petitioner  :SRI.SANTHEEP ANKARATH\n\n                For Respondent  :SRI.P.R.RAMACHANDRA MENON\n\nThe Hon'ble MR. Justice J.B.KOSHY\nThe Hon'ble MR. Justice K.P.BALACHANDRAN\n\n Dated :23\/10\/2008\n\n O R D E R\n                       J. B. KOSHY &\n             K. P. BALACHANDRAN, JJ.\n            ------------------------------------------------\n                  M. A. C. A. No.248 of 2005\n            ------------------------------------------------\n            Dated this the 23rd day of October, 2008\n\n                          JUDGMENT\n<\/pre>\n
Koshy, J<\/p>\n
      Appellant\/claimant sustained injuries at<\/p>\n
the    age of     43      in      a    motor         accident.    The<\/p>\n
Tribunal found that the accident occurred due<\/p>\n
to the negligence of the first respondent\/<\/p>\n
Driver-cum-Owner of the motor vehicle insured<\/p>\n
by the second respondent\/Insurance Company. A<\/p>\n
petition   was      filed        claiming            an     amount of<\/p>\n
Rs.8,01,420\/- for the injuries sustained to<\/p>\n
the appellant\/petitioner. The Tribunal though<\/p>\n
found that the respondents are jointly and<\/p>\n
severally liable to pay compensation and there<\/p>\n
was valid insurance for the offending vehicle<\/p>\n
at the time of the accident, only awarded<\/p>\n
Rs.70,000\/- with interest at the rate of 6%<\/p>\n
per annum from the date of application till<\/p>\n
M. A. C. A. No.248 of 2005           -2-<\/span><\/p>\n
       the      date      of  realisation. Only   dispute is<\/p>\n
       regarding quantum of compensation.<\/p>\n
               2. The claimant was a Junior Commissioned<\/p>\n
       Officer in the Indian Army. His monthly income<\/p>\n
       was        Rs.11,527\/-      as   per   Ext.A4   salary<\/p>\n
       certificate.           Ext.A13   salary    certificate<\/p>\n
       dt.13\/05\/2002 shows that his monthly income<\/p>\n
       was Rs.13,584\/-. The Tribunal found that he<\/p>\n
       was on annual leave from 26\/03\/02 to 30\/05\/02<\/p>\n
       i.e. for 66 days. The accident occurred on<\/p>\n
       13\/05\/2002. He had to avail advance annual<\/p>\n
       leave for 30 days from 31\/05\/02 to 29\/06\/02<\/p>\n
       and      42      days  sick  leave  from  30\/07\/02 to<\/p>\n
       13\/08\/02. The Tribunal awarded a consolidated<\/p>\n
       amount         of   Rs.15,000\/-  for loss   of  actual<\/p>\n
       earnings, since part of the leave period was<\/p>\n
       not on loss of pay, he could have encashed<\/p>\n
       those leave at the time of retirement. His<\/p>\n
       opportunity to take annual leave in the next<\/p>\n
       year was also lost. Therefore, we are of the<\/p>\n
M. A. C. A. No.248 of 2005          -3-<\/span><\/p>\n
       view that the Tribunal ought to have granted<\/p>\n
       at      least      Rs.30,000\/-  for  actual  loss  of<\/p>\n
       earnings.          Therefore,   claimant   would   be<\/p>\n
       entitled to Rs.15,000\/- more on account of<\/p>\n
       actual loss of earnings.\n<\/p>\n
               3. After considering Ext.A14 certificate<\/p>\n
       issued          by  the  Central   Commanding  Signal<\/p>\n
       Regiment, Lucknow,         J.C.O can avail service up<\/p>\n
       to 30 years i.e. up to 03\/02\/08. But appellant<\/p>\n
       as J.C.O being placed in low medical category<\/p>\n
       his service curtailed to 28 years i.e. up to<\/p>\n
       3rd February, 2006. Therefore, he will lose two<\/p>\n
       years service and other benefits from the<\/p>\n
       military service. He also lost promotional<\/p>\n
       chances as he was placed in a low medical<\/p>\n
       category. He also lost chance of getting a<\/p>\n
       general expectancy as ex-service man due to<\/p>\n
       the disability. He has produced a medical<\/p>\n
       certificate showing 20% disability assessed by<\/p>\n
       the       Medical     Board  of  the   Military.  The<\/p>\n
M. A. C. A. No.248 of 2005          -4-<\/span><\/p>\n
       Tribunal          did  not  rely  on  20%   disability<\/p>\n
       because in the certificate it is stated that<\/p>\n
       he would be again re-examined for next re-<\/p>\n
       categorisation.         Tribunal  also   noticed  that<\/p>\n
       there is no proof before the Tribunal to show<\/p>\n
       that he has to retire after 28 years of<\/p>\n
       service apart from the certificates produced.<\/p>\n
       Taking all these possibilities and considering<\/p>\n
       the      fact      that he  did  not   lose his   job,<\/p>\n
       Tribunal has taken only 3 as the percentage of<\/p>\n
       disability,          15  as   the   multiplier,   only<\/p>\n
       Rs.2,000\/-          as   the    monthly   income   and<\/p>\n
       calculated           compensation   and   the    total<\/p>\n
       calculation granted for disability is only<\/p>\n
       Rs.10,800\/-.\n<\/p>\n
               4.      Now   we  will  consider  the   injury<\/p>\n
       suffered by him in the accident. Ext.A3 is the<\/p>\n
       copy of the wound certificate. As per the<\/p>\n
       above he sustained the following injuries:-<\/p>\n
M. A. C. A. No.248 of 2005                  -5-<\/span><\/p>\n
                        “Lacerated wound left ankle, multiple abrasion
\n               fracture neck, 2, 3 metatarsals, fracture dislocation 4th
\n               MTP joint, fracture P1 4th toe, fracture cuboid.”<\/p><\/blockquote>\n
                 5. Ext.A6 is the certificate issued by<\/p>\n
       Special           Surgeon        attached        to     Army.     His<\/p>\n
       certificate is summarised by the Tribunal as<\/p>\n
       follows:-\n<\/p>\n
                        “He certified that c\/o pain and swelling Lt. Foot
\n               along with difficulty in bearing full weight and reveals
\n               that fracture neck 2 & 3 MT, proximal phalanx 4th toe
\n               and comminuted fracture cuboid Lt. Foot – healing in
\n               progress and in column of remarks it is noted as in
\n               view of his multiple fracture and restricted mobility,
\n               will require a sheltered appointment and intensive
\n               physiotherapy and he recommended that excuse all
\n               strenuous duties including PT parade and games,
\n               physiotherapy of Lt. Foot and crepe bandage
\n               application and medicines prescribed. Petitioner also
\n               produced the discharge summary card issued from A1-
\n               Shifa Hospital, Perinthalmanna, which shows that the
\n               date of admission is 13\/05\/2002 and the date of
\n               discharge is on 21\/05\/02. In the column of final
\n               diagnosis it is noted as displaced fracture neck 2,3 MT
\n               (L) with traction, dislocation 4th MTP joint, (L) with
\n               comminuted base of P1 4th toe, crushed comminuted
\n               cuboid (L) with diastesis at base 4th, 5th toe. In the
\n               procedure it is noted as ORIF with ‘K’ wire, BK slab
\n               applied on 13\/05\/02. Further, it is noted as check x-ray
\n               acceptable. The case is seen reviewed on 28\/05\/02
\n               thereafter on 25\/06\/02 there it is noted as ROP, fracture
\n               united ‘K’ wires removed and it is also prescribed top
\n               crepe bandage and review on 08\/07\/02, there it is noted
\n               as patient is unfit for duty till further orders. On 9\/7
\n               walks OK reviewed on 8\/8 x-ray acceptable, fracture<\/p>\n
M. A. C. A. No.248 of 2005                  -6-<\/span><\/p>\n
               united and review on 10\/9, then further therein also
\n               directed to continue crepe bandage and light work for 1
\n               month. On 9\/12 it is noted came for disability
\n               certificate, further, all fractures united and also noted
\n               mal-united, cuboid fracture base P1 (L) 4th toe. This
\n               discharge summary is seen marked as Ext.A10. Ext.A7
\n               is the Confidential Medical case sheet produced and
\n               marked on the side of the petitioner. As per the said
\n               document, the entries are seen made on 05\/03\/03 there
\n               it is noted as 44 year old serving, a case of fracture
\n               neck of 2nd and 3rd MT and proximal phalanx 4th toe and
\n               comminuted fracture (L) cuboid. On examination mild
\n               swelling present in the midfoot region, no local
\n               tenderness ankle movements are free and full, and also
\n               shows that he was placed low medical category A2.
\n               The 2nd sheet says that on 28\/07\/03 the fracture neck 2nd
\n               IIIrd     metatarsal    i.e.   Proximal    phalanx    IV
\n               toe\/comminuted fracture (L) cuboid. Presently Ext. in
\n               cat.A2 for the same since 05\/03\/03, C\/o pain in the
\n               affected area, more while walking, Lt foot – mild
\n               swelling at the fracture site. There also recommended
\n               for continued A2 category. Thereafter the medical
\n               board examined him and the percentage of disability is
\n               assessed as 20%.”<\/p><\/blockquote>\n
               6. It is very clear from the certificate<\/p>\n
       issued by the Al-Shifa Hospital also that he<\/p>\n
       sustained displaced fracture neck, end and 3rd<\/p>\n
       MT, with comminuted fracture base of P1, 4th<\/p>\n
       toes and crush comminuted cuboid (L). At the<\/p>\n
       time of the accident, he was 43 years old. If<\/p>\n
       the monthly income earned by him at the time<\/p>\n
M. A. C. A. No.248 of 2005           -7-<\/span><\/p>\n
       of the accident is taken, compensation payable<\/p>\n
       for      20%       disability will  be a   huge  sum.<\/p>\n
       Further, if he continues for two years more<\/p>\n
       his retirement income based on last drawn<\/p>\n
       salary will be huge. But since his employment<\/p>\n
       was not lost, only two years of employment was<\/p>\n
       lost, we are of the view that compensation<\/p>\n
       cannot be granted on a multiplier method. But<\/p>\n
       it is true that injuries are very serious. He<\/p>\n
       lost the strength to do any other work after<\/p>\n
       his       retirement.      He  has  to  suffer  these<\/p>\n
       difficulties          till  his  death. Even  without<\/p>\n
       calculating any amount for future prospects,<\/p>\n
       if only Rs.12,000\/- is taken as the monthly<\/p>\n
       income,          for  24   months, it  will  come  to<\/p>\n
       Rs.2,80,000\/-. We also note that his retiral<\/p>\n
       income will also be reduced because of his<\/p>\n
       early retirement. Hence, we are of the opinion<\/p>\n
       that considering the nature of the injuries,<\/p>\n
       position in life, 20% disability certified by<\/p>\n
M. A. C. A. No.248 of 2005          -8-<\/span><\/p>\n
       the Military Medical Board and circumstances<\/p>\n
       of the case, this is a fit case where Tribunal<\/p>\n
       ought to have awarded at least Rs.2 lakhs as<\/p>\n
       compensation          for the   permanent disability,<\/p>\n
       loss       of      earning power  etc.  Tribunal  has<\/p>\n
       awarded only Rs.10,800\/- for disability and<\/p>\n
       Rs.6,000\/-          towards adverse   effect of  the<\/p>\n
       injury.          If   that is  deducted  compensation<\/p>\n
       payable will be Rs.1,83,200\/-. It is contended<\/p>\n
       that        compensation    granted   for  pain  and<\/p>\n
       suffering and on all other heads are very low,<\/p>\n
       but considering the total amount granted we<\/p>\n
       are not enhancing the compensation on those<\/p>\n
       heads.\n<\/p>\n
               7. Even though before the Tribunal first<\/p>\n
       respondent owner-cum-driver entered appearance<\/p>\n
       and filed written statement, Insurance Company<\/p>\n
       was contesting the case and insurance coverage<\/p>\n
       was not disputed by the Insurance Company. The<\/p>\n
       Insurance          Company was  directed  to  deposit<\/p>\n
M. A. C. A. No.248 of 2005          -9-<\/span><\/p>\n
       compensation by the Tribunal. Thus, the total<\/p>\n
       amount          of  Rs.1,98,200\/-  (Rs.1,83,200\/-      +<\/p>\n
       Rs.15,000\/- towards actual loss of earnings)<\/p>\n
       should            be  deposited    by     the      first<\/p>\n
       respondent\/Insurance           Company    with      7.5%<\/p>\n
       interest from the date of application till its<\/p>\n
       deposit over and above the amount decreed by<\/p>\n
       the Tribunal. On deposit of the amount, the<\/p>\n
       appellant is allowed to withdraw the same.<\/p>\n
               8. This appeal is thus allowed in part.<\/p>\n
                                                    J. B. KOSHY
\n                                                         JUDGE<\/p>\n
                                            K.P.BALACHANDRAN,
\n                                                          JUDGE
\n       kns\/-<\/p>\n","protected":false},"excerpt":{"rendered":"
Kerala High Court Prabhakaran vs The United India Insurance Co.Ltd on 23 October, 2008 IN THE HIGH COURT OF KERALA AT ERNAKULAM MACA.No. 248 of 2005() 1. PRABHAKARAN, S\/O. LATE BALAN NAIR, … Petitioner Vs 1. THE UNITED INDIA INSURANCE CO.LTD., … Respondent For Petitioner :SRI.SANTHEEP ANKARATH For Respondent :SRI.P.R.RAMACHANDRA MENON The Hon’ble MR. Justice […]<\/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":[8,21],"tags":[],"class_list":["post-23925","post","type-post","status-publish","format-standard","hentry","category-high-court","category-kerala-high-court"],"yoast_head":"\nPrabhakaran vs The United India Insurance Co.Ltd on 23 October, 2008 - 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\/prabhakaran-vs-the-united-india-insurance-co-ltd-on-23-october-2008\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Prabhakaran vs The United India Insurance Co.Ltd on 23 October, 2008 - 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