{"id":251274,"date":"2009-11-06T00:00:00","date_gmt":"2009-11-05T18:30:00","guid":{"rendered":"https:\/\/www.legalindia.com\/judgments\/ms-united-india-insurance-vs-ramachandra-on-6-november-2009"},"modified":"2019-01-08T15:43:58","modified_gmt":"2019-01-08T10:13:58","slug":"ms-united-india-insurance-vs-ramachandra-on-6-november-2009","status":"publish","type":"post","link":"https:\/\/www.legalindia.com\/judgments\/ms-united-india-insurance-vs-ramachandra-on-6-november-2009","title":{"rendered":"M\/S United India Insurance … vs Ramachandra on 6 November, 2009"},"content":{"rendered":"
Karnataka High Court<\/div>\n
M\/S United India Insurance … vs Ramachandra on 6 November, 2009<\/div>\n
Author: B.V.Nagarathna<\/div>\n
4_A_A 1 Jllllll\nIN THE HIGH COURT OF' KARNATAKA AT BANGALORE\nDATED THIS THE 06?\" DAY OF NOVEMBER, 2009\nBEFORE\nTHE HON'BLE MRs.JUsT1CE E.V.NAGARATHNAjj\"--.U.\n\nM.F.A.NO.\u00e9.~369\/2006(MV] J V' \n\nBETWEEN:\n\nM\/S UNITED INDIA INSURANCE\n\nCOMPANY LTD\n\nDWISIONAL OFFICE 442\/314, \n\n11 FLOOR, CRAMARAJA DOUBLEV ROAD V\nNEAR RAMASWAMY CIRCLE, \"   \nMYSORE 24,  \nNOW REREY REGIONAL..QFFICERA..I$EOI25,\nSI-IANKARANARAYANA    \nM.G.ROAD, BANGALORE T. A .   \nRERTD. BY ITS REGIONAL. 1v:ANACgER'<_  " '\n\n.. APPELLANT\n[By Sri:  \n\n\u00bb S\/O, RAMANNA\n\n-  R\/ATMAYAGANAHAL1\nKASBA HOEL1,\nRAMANACARAM TQ.,\n"BANGALORE DISTRICT.\n\n  M\/S SURFACE LANE CAROE (P) LTD\n\nA NO.I8(OLD N054)\nI FLOOR, ORIENT POWER PREM\nCOMPOUND, LALABAGH ROAD.\nBANGALORE 27.\n\n:3\n ... RESPONDENTS<\/pre>\n
__ 2 a
\n{By Sri: M\/S S RAJU 8: A\/S FOR R1)<\/p>\n
MFA FILED U\/S 173(1) OF MV ACT AGAINST THE
\nJUDGMENT AND AWARD DATED:19\/10\/2005 PASSED IN
\nMVC NO.667\/2003 ON THE FILE OF PRL. CIVIL JUDGE
\n(SRDNI & MEMBER, ADDL. MACT, RAMANAGARAM,
\nAWARDING COMPENSATION OF RS.31,000\/– <\/p>\n
INTEREST @ 6% RA. FROM THE DATE OF <\/p>\n
THE DATE OF’ PAYMENT.  .\n<\/p>\n
This MP’ A coming on for \ufb01na1__h.ea_1fing   D I<\/p>\n
court delivered the f0IIowing:–  b j j
\nJunqgg\ufb01ghz
\nThis appeal is filed  1ns”ur’an(I:’ea by
\nchallenging the Judgmezint\ufb01  the MACT,<\/p>\n
Ramanagarairiivfdatefdt19′.’1Q;2O(I5V ‘exit the question of liability.<\/p>\n
2. For vsakea” :eQ.n\\}enience the parties shall be<\/p>\n
referred to in teiirnevof their status before the Tribunal.<\/p>\n
  12.6.200?———at about 5.30am when the claimant<\/p>\n
 ‘\\iI.aS’itraVeiiiiigr’in a tempo bearing N0.KA–O1\/A-2756 near<\/p>\n
Kenthanalsi\ufb01jpwgde Janatha Colony at Bidadi, on account of<\/p>\n
 rash’ Znhe\u00e9gligent driving of the said vehicle it fell down. as<\/p>\n
I ~ resiilt the claimant sustained injuries. Contending that he<\/p>\n
  “suffered permanent disability, he filed claim petition<\/p>\n
I seeking compensation on various heads. <\/p>\n
4. After service of notice from the Tribunal the insurance
\ncompany appeared and \ufb02ied its written statement, while the
\nsecond respondent herein did not file any written statement.<\/p>\n
In the written statement it was stated that the <\/p>\n
respect of the vehicle in question was admitted,3V_:b’ut”Vit”—was_”‘ .<\/p>\n
contended that the claimant was notpaloader ‘of—-t:I_1e’Vins’u_red” <\/p>\n
and that he was travelling in the ternpp’  <\/p>\n
passenger and therefore, the irisurance~co1npany”is not liable  ><\/p>\n
to satisfy the award.    _\n<\/p>\n
5. On the basis of ‘the ab’ovei..’p1ea:i_ings, the” Tribunal<\/p>\n
framed V  <\/p>\n
__  Do’esA’=_the’V petitioner prove that he
\n4;: sustained A. injuries in an accident arising out of<\/p>\n
  of vehiCie”bearing No.KA-O1\/A–27’56 as<\/p>\n
  the petitioner is entitled for
\n‘ conapeitsation? if so, how much and from whom?<\/p>\n
V3. What order?”\n<\/p>\n
    -Vin support of his case, the claimant examined himseif<\/p>\n
   F’W.i and got marked EXP} to P4\u00bb while the respondent<\/p>\n
V did not let in any evidence. On the basis of the said<\/p>\n
evidence, the Tribunal awarded compensation of Rs.31,0()0\/–<\/p>\n
with interest at 6% p.a from the date of petition and directed
\nff<\/p>\n
7%-w<\/p>\n
1 I<\/p>\n
the owner and insurer of the vehicle were liable to satisfy the
\naward and the insurer was at liberty to recover the amount
\nfrom the owner of the vehicle by executing the award. l3eing
\naggrieved by the said direction the insurance compvan:yl_has<\/p>\n
preferred this appeal.\n<\/p>\n
7. I have heard the learned counsel for the”apj3_~ellant–  <\/p>\n
the learned counsel for the first respondent. <\/p>\n
8. It is submitted on behalf of the fappe11antAti’1at <\/p>\n
instant case the Tribunal has give’r1,a categorical  that V<\/p>\n
the first llre’sepondefigtl’vvasitravellling as a passenger in the
\nvehicle not  Therefore. in View of the<\/p>\n
decisions \u00e9fwhe Apex the Tribunal ought to have held<\/p>\n
 ”  _Atha’trt~he…insurancecompany is absolved of its liability rather<\/p>\n
 L’ thanpassing  direction with regard to pay and recovery. He<\/p>\n
therefore’, ‘.i9.equests this court to modify that portion of the<\/p>\n
l V V award… l <\/p>\n
  g In. support of his case he has relied upon the decision<\/p>\n
 -.o’f–._tlfn1e Apex Court in the case of National Insurance<\/p>\n
   …_\u00e9ompany Limited Vs. Bommithi Subbhayamma 82. Others<\/p>\n
reported in 2005 ACJ 721 and New India Assurance<\/p>\n
‘?\n<\/p>\n
\n
Company Limited Vs. Vedwati 82. Others reportedin 2007<\/p>\n
AG} 1043.\n<\/p>\n
10. Per contra, it is submitted on behalf of the first<\/p>\n
respondent that the claimant was travelling as a loader in<\/p>\n
the vehicle and that he was not an unauthorized.c.passen’glerV.<\/p>\n
and therefore, the Tribunal was justified in givinglavdirecttionl V’ <\/p>\n
regarding pay and recovery, which’AA’d’oes_ <\/p>\n
interference in this appeal. In support hisd.c_on’tentilc;n’<\/p>\n
has relied upon a decision 0’f._ this court  case of V<\/p>\n
National Insurance Can;pany”Lin1it\u00e9cl.Vs.lSarajdmma 82.<\/p>\n
othersf\u00e9jsort\u00e9gt tiiitgjmjizllaos iidhtataka 542.\n<\/p>\n
11. Having hea’rf’ci..AAtlt1e co_1insel’ on both sides the only point<\/p>\n
that arise for ‘my lconsilderattion is as to whether, the Tribunal<\/p>\n
wastjtisti\ufb01ed in’: holding that the appellant\/insurance<\/p>\n
 satisfy the award and thereafter recover the<\/p>\n
 \u00ab front second respondent \/ insured.\n<\/p>\n
12…” F’rVomit\u00a3ie material on record, it is not in dispute that<\/p>\n
“-.the first respondent was travelling in the Vehicle bearing No.<\/p>\n
“‘i:l’_\u00a3{Ajf)A_\u00ab1\/A\u00bb2756 at about 5.3oa.m on 12.6.2003 and that<\/p>\n
  there was an accident in which the first respondent was<\/p>\n
injured. In support of his case, the first respondent has let
\nin evidence as PW.1. In his examination–in–chief he has
\nstated that for the purpose of performing his dutiesas a<\/p>\n
loader he got into the vehicle in question along \\J\\7};*Jf1::”:’:\u00a7>)VI}”l\u20ac<\/p>\n
luggage and at that time he sustained injui9ies”‘ .<\/p>\n
accident that occurred on 12.6.2003mat  <\/p>\n
has also stated that prior to the aceident  lv1as.lworki:ng as<\/p>\n
a loader in respect of the tempo in quest_io’n.p V pp  _\n<\/p>\n
13. On a perusal of the said evidence, it*’becon1es’1.apparent<\/p>\n
that nowhere he has stated thatlhe vwasworkingv’asemployee<\/p>\n
of the  H It   case for the purpose of
\nperforming’ his  in the vehicle. On the other<\/p>\n
handghe  pVt1*avelliiigl”*with some goods. There is no<\/p>\n
 to whether he was travelling with the goods<\/p>\n
 tbelonging tolthe’-insured or to some other person who had<\/p>\n
engaged .tk’ie’i._vehicle or with his own goods. The plea<\/p>\n
‘v._gregardingg_working as a loader and travelling with the goods<\/p>\n
fared in fact contradictory. However, in his examinationwinw<\/p>\n
‘  chief later on he states that prior to the accident, he was<\/p>\n
 working as a loader. From the said evidence it is not<\/p>\n
established that he was travelling in the vehicle either as the<\/p>\n
owner of the goods or as representative of the owner of the<\/p>\n
fix<\/p>\n
#4.\n<\/p>\n
\n
goods or as an employee of the insured. In fact a suggestion
\nwas put to him by the insurance company that he was
\nworking in a private factory which of course is denied.<\/p>\n
However, on the evidence of PW.l itself, the only conclusion<\/p>\n
that can be arrived at is that he was an  _<\/p>\n
passenger in the said vehicle. In fact the <\/p>\n
basis of E:-\u00a7.Pl which is the complaint. the<\/p>\n
claimant has held that he was travelling’ as a p’a’sj;~:engerj’\u00a7 and  ;<\/p>\n
not as a loader. Since he was a\u00e9nnulnauthorized ‘passenger in
\na goods vehicle, there ~ clear \u00a7v.iola_ti.on\u00ab.pof the terms and
\nconditions of the policy. _Hov.\u00abrev’e._r, :the’Tril:~i’unal relied upon a<\/p>\n
decision”  the case of Pramodh
\nKumafl”.4gja\ufb01val:  Mushtari Begam reported<\/p>\n
in AIR 2064 SC. tloihold that the insurance company<\/p>\n
 V’  is 1vi’ab1eb_..to pay the  amount and in the operative portion<\/p>\n
  for the insurance company by executing<\/p>\n
the award.’  said decision is based on a earlier decision of<\/p>\n
 the S.upr_eme Court in the case of ational Insurance<\/p>\n
g   X{\u00bb::i\u00bb<<.:\/1%, <\/p>\n
VA 'v~:lf"Cpornpany Limited Vs.  reported in 2004 AIR SCW 212.<\/p>\n
'  However, the subsequent decisions of the Supreme Court in<\/p>\n
Wlliiommithi Subbhayarnmas case referred to supra would<\/p>\n
make it clear that in the case of gratuitous passenger in a<\/p>\n
goods carriage, the insurance company would be absolved of<\/p>\n
i:\n<\/p>\n
ii\u00bb<\/p>\n
its liability. Therefore, the Tribunal was not right in
\ndirecting the appellant\/insurance company to pay the
\ncompensation and thereafter to recover the same from the<\/p>\n
insured. Hence that portion of the award is rI1odifie.dl~by<\/p>\n
allowing this appeal and holding that the  i.is_”‘ .<\/p>\n
absolved of its liability. The first responderrtis liberty to  <\/p>\n
execute the award against the seconds’respondent\/’insnr-ed<\/p>\n
and recover the cornpensationf <\/p>\n
14. For the aforesaid reasongcethe appeal is.  it The ‘V<\/p>\n
amount in deposit is” …directed=lfto be refunded to the<\/p>\n
appellant. = _ .\n<\/p>\n
      sa\/–\n<\/p>\n
JUDGE<\/p>\n","protected":false},"excerpt":{"rendered":"
Karnataka High Court M\/S United India Insurance … vs Ramachandra on 6 November, 2009 Author: B.V.Nagarathna 4_A_A 1 Jllllll IN THE HIGH COURT OF’ KARNATAKA AT BANGALORE DATED THIS THE 06?” DAY OF NOVEMBER, 2009 BEFORE THE HON’BLE MRs.JUsT1CE E.V.NAGARATHNAjj”–.U. M.F.A.NO.\u00e9.~369\/2006(MV] J V’ BETWEEN: M\/S UNITED INDIA INSURANCE COMPANY LTD DWISIONAL OFFICE 442\/314, 11 FLOOR, […]<\/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-251274","post","type-post","status-publish","format-standard","hentry","category-high-court","category-karnataka-high-court"],"yoast_head":"\nM\/S United India Insurance ... vs Ramachandra on 6 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\/ms-united-india-insurance-vs-ramachandra-on-6-november-2009\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"M\/S United India Insurance ... vs Ramachandra on 6 November, 2009 - 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