{"id":66794,"date":"2008-08-29T00:00:00","date_gmt":"2008-08-28T18:30:00","guid":{"rendered":"https:\/\/www.legalindia.com\/judgments\/bajaj-allianz-general-insurance-vs-ravi-bhadrappa-minajigi-on-29-august-2008"},"modified":"2015-03-29T16:52:38","modified_gmt":"2015-03-29T11:22:38","slug":"bajaj-allianz-general-insurance-vs-ravi-bhadrappa-minajigi-on-29-august-2008","status":"publish","type":"post","link":"https:\/\/www.legalindia.com\/judgments\/bajaj-allianz-general-insurance-vs-ravi-bhadrappa-minajigi-on-29-august-2008","title":{"rendered":"Bajaj Allianz General Insurance &#8230; vs Ravi Bhadrappa Minajigi on 29 August, 2008"},"content":{"rendered":"<div class=\"docsource_main\">Karnataka High Court<\/div>\n<div class=\"doc_title\">Bajaj Allianz General Insurance &#8230; vs Ravi Bhadrappa Minajigi on 29 August, 2008<\/div>\n<div class=\"doc_author\">Author: B.V.Nagarathna<\/div>\n<pre>ft') Vaj\u00a7e'Ga1};i, vaaiggagg,\n . B\u20ac~:.1gaum. - ~  A\n\n-  G4; i\u00e9emath, Major;\n\n.' \u00ab V _\u00bb ?;\u00a7ad:\u00bb1s\"  iii _., Bslgaum.\n\n  V  V  ,':;'-;_\u00a7;V3:*3'..'1's\u00bbi\"a;I::19 \u00a7\u00ab;AR\u00a7mm~:A c:R\u00a3:w':f: \u00a7V\u00a7*;::;\\'\ufb01::':~;\n2%'? DH,2%RWAD V  --  \n\nEJATED *m:'ss: THE: 29% my 0;: aLI\u00a5::s\"  \"\nBEFGR-\u00a7\u00a7\"\" ~  V' V' '\nTHE; E\u00a3C};\"\u20ac'\u00a3%LE MRS, J:3ST1{::E; \u00e9%A\u00a7_V.'TNAGAg m'fr:::\u00a7\u20ac';\u00a7;\u00ab.: \"['i.\n\u00a7gi.\u00a3'.A.?\u00a7:{)_,:?\"\u00e9~g88!\u00e9i}\u20ac}'?'V  T'    '\nBETWEEN: V' '\nBajaj \ufb01\ufb02ianz Genera}   _\nfjivisienai Q\ufb01ice, V  i   \nVivakaxxaizda (I:-.:*r:1r::1',  \" * -- \nDcsair, {fr-h::bE Hub\ufb01: ..\nBy ii8\"R'\u20acgiQ1'-IE3}  W  _V   V\n\u00a3'\u00b0\u20ac0,1GS[A.=\", Cc.\u00e9ex*s\"P}\u00e9;?{a';'--.:\u00a7;\u00a7=?A i%'Es:&gt;\u00a7\u00a7.;r5  \n\n336, R6$i(i\u20act11Cf}'1R&gt;&gt;()a(i..  _ \nE\u00a7a:1g*a14b'fE;-\u00ab\u00bb;2;Ei bj,r\";\u00a7;i's Eviariager.  V\n\nV'  ; .g%P:i3EZL;LAN'T\n(E33: Sri.Lex E?1g_x1:s;V':E\u00a7}Sz;;)   A \"\n   k  %%%%% \n\n1.<\/pre>\n<p> Ra\u00a7i~,?\u00a7had1&#8242;::23:}f3a &#8216;M\ufb01ggjigi,<br \/>\n\ufb02sg\ufb02d 46! }?\u20ac%\u00a7irs; ;(\u00a7\u00a2::.\u00a2:&#8221; Basinega,<\/p>\n<p>{)\u00a7::\u00a2,2 Bx.;3i:1a_ss, F?&#8217;\/a, 1&#8242;?&#8221;?\u00b0;&#8217;.z%.,<\/p>\n<p>,,,, ., REZSP\u20ac}NDB\u00a7&#8217;%T&#8217;S<\/p>\n<p>k&#8217;.\n<\/p>\n<p>(K)<\/p>\n<p>Thig MFA is; filed tiixcittr Sactiezz 1?3{E.}<br \/>\nagainsi the Judgmstn and Award dated :&#8221;\u00a7.3s2(EC!&#8217;?&#8217;p\u00e933s\u00e9\u00bb:E-V ii:<\/p>\n<p>MX?&#8217;C.N0.i2605\/ EGGS an the file of the Presicii23g&#8221;*C&#8217;\ufb01\u00a7;_j\u20ac::;&#8217;A }?&#8221;\u00e91_st<br \/>\nTrack C01::r&#8217;t.\u00abII 33 Addl\ufb01essioxis =.3_&#8217;r::.:-\u00a7.gei,&#8217;3;s &#8220;\u00bb._Me1I3_{&gt;e3*..<br \/>\n1%dd1.MACT, Belgaum, aWam1ing&#8212;-.&#8217; Cpn:L\u00a7&amp;3;;S;3t1&#8242;&lt;;v;:3.;:s  f  \u00ab<\/p>\n<p>Rs.1,04,00Q\/&#8211;\u00bb with intemrst at  from&#039; &quot;\u00a3114::..&#039;\u00a31at4:\u00a7.[a:\u00e9me:1:,   &#8221;  U ~  <\/p>\n<p>This E\\*iF2&#8217;\u00bb\u00a7 havirxg -,h\u20aca1&#8217;Ad7&#8242; a\ufb02ri E23 for L&#8217;<\/p>\n<p>Jtzdgment, Cozgaing on figs: PRC}E\u20ac\u00bb.C_)U?\u00a5{iE\u00a7v1ENT OF<br \/>\nJUDGEMENT this day, the csurfd\ufb01tiixgered <\/p>\n<p> U .:}\u00a5r3 m%r~:%;;;;\u00ab%<br \/>\nThough This m3..\u00a7:16\u00a3*.i;~; Estg\ufb01d  a&amp;&#8217;-mission, it is heard<\/p>\n<p>\ufb01naiig  \u00e9yf _  Cmlnsel for the<\/p>\n<p>2. T}}j_.S   by the fnsuraxzce Compa\ufb01y<\/p>\n<p>  &#8220;&#8216;j1:.&lt;:&#039;{V&#039;gm\ufb01\u20ac::1t 31151 award passed in MVC<\/p>\n<p>.  * A i27s&lt;3S}?20a75.;datedVV%{;\u00e9.20G&#039;:\u00ab&#039;.\n<\/p>\n<p>   &#8216;i&#8221;5\u00a7:&#8221;=,..V:\ufb01_\u00b0\u00a3:\u00a7%\u00a7\ufb01\u00e9&#8217;:e{i1t facis csf tht: case: are that on 1518,2005, the<\/p>\n<p>f\u00e9\ufb01p\ufb01\ufb01\ufb02tff; 39. 1 Ravi Bhadrapga Minajigi was procatedimg 01::<\/p>\n<p> xgL \ufb01aa\ufb01rwcle N&lt;3.K.A.22]V.9228 as a pi\ufb01ion Iiid\u00e9f \ufb01rmzn<br \/>\n  &quot;%\u00a7.i:;ff\u00e9%ag6wadi to Haiikjmarad\ufb01i. when this mamrcycrle was<\/p>\n<p>fdziven by his frienei in a rash and ntsgligem mann\u00e9r, as a<\/p>\n<p>\ufb02<\/p>\n<p>has as {rimmed in the itiaiin pet\u00e9iien fit: the \u00a7\u20ac1\u00a7\u00a7&#039;\u00a3\u00a7i~:&quot;,\u00a5}&quot;.&#039;.\u00a2..\u20acV3i&quot;&#039;-..&quot;\u00e9ii\ufb01fi\ufb01\ufb01,<\/p>\n<p>it i\ufb01 I&#039;\u20acS\u00a73fi(.&#039;fii:\u00a71}.E}&#039; submiii\ufb01zd. that {he claim ggetii\u00e9\ufb01\u00e9ri <\/p>\n<p>this rgsponei\ufb01ni ha c\u00e9ismisssd with ~;i:&lt;:ss\u00a5:_.:*~&quot;-3~&quot;7&#039;-.&#8211;. ,. __&#039;f?}:;\u20ac~..\u00a7apg3::E\u00a7:i:&#8211;:: <\/p>\n<p>Exaz\ufb01iiz had aiso cr\u00e9wad far \u00a7{}\u00a33I&#039;\ufb01\u00a7SS\u00a7;Qi{}_ $22: e;:a:::i@\u00a7:i:&#039;i Q&#039;_\u20ac&#039;3;}_\u20ac.5.?5i fiiim<\/p>\n<p>:::b}\u20ac+C&#039;r\u00e9{3;:3. 21$ an\u00e9i &#039;Wh{:&#039;I} \u00a71\u20ac{?\u20aci\u20ac\u00a7SE\u00a7f}:1<\/p>\n<p>63. 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He<\/p>\n<p> \ufb01lbxxziig that. the \u00a333&#039;: sf dates anti \ufb01V\u20ac3:&#039;H,S wQu1{i \u00a7:.1di{:a&#039;\u00a3\u20ac that};<\/p>\n<p>&#039;ih\ufb01 v:3\u00a73:\u00a3r:::\u00a7\u20ac was not iizvalvtr\ufb01 its ihs a{\u00a7{Ei{i\u20ac&quot;{1{. &amp;&lt;%cm:&#039;\u00a3.ii:1g 15:0<\/p>\n<p>Exim\ufb01 fhii aqfciii\ufb01tzz\u00e9, is Saki &#039;:0 have Qccurrcd an }.&#039;E}e8.&quot;2@Gi:&quot;3 hut<\/p>\n<p>{3&#8217;\u00a71si{iera&#8217;i:i\u00a7:s\u00a73 and \u00a7:i&#8217;i\u00a7E%fG\u00a7&#8217;E&#8217;f; ::=.&#8217;rm:34\u20ac{3usi\u00a7g .. &#8216; &#8221; v:;e:{&#8216;zfV:r1_:Tz&#8217;\u00a7&amp;e:i<\/p>\n<p>{)Gi\ufb01\u00a7_}\u20ac3Z}SaiiO1&#8217;E &#8216;$53 the firgi \u00a7&#8221;\u20acES\u00a7\u00a7Qi}\u00e9\u20acE1&#8217;\u00a3 Elgrain _&#8217;\u00a3i&#8221;Z}:\u00bb.*3:\u00a34&#8243;i&#8221;..\u00e9\u20ac?}\u00a3\u00a7$&#8217; <\/p>\n<p>hizns\ufb01if \ufb02sgiigent zmzi head Vgagisad 3  b  \u00a2&#8221;\u00bbi&#8217;\u00a3;.&#8217;C&#8217;i&#8217;i\u20ac\u00a7&#8217;Z.&#8217;g%.&#8217; &#8216;<\/p>\n<p>Aii\u20aci;&#8221;\ufb01aE;ive1\u00a7-3, ha si\ufb01\u00e9miis \ufb01mt if i;\u00a5j:a\u00a7$ :\u20ac?73!73\u00e93s;&#8221;EA.&#8217;TTf;:12\u00a7  t\u00e9&#8217;-; a<\/p>\n<p>&lt;:0z:a&lt;:hz3i:1 mat an-: first .:~tt?z;:1:i4e1&#8217;r{\u00a3::\u00a7;\u00bb3j1.ua;::1t&#8221;\u00b0;\u00a7m.\u00a7; zig\ufb01gi: fh:=:_ V&#8217; ;<\/p>\n<p>ri\u00e9ar of {ha v\u00e9hisztis, th&gt;::&#8217;:} in  \u00a7\u00a7s\u00a7-  ;&#8217;\u20ac&#8217;i\u00a7\u20ac&#8217;E&#8217;, 116<br \/>\nwas mart t:&#8217;s:1&#8243;\u00a3;\u00a7.'{i\u00a7:d ta ca:1r::\u00a7\u00a54;_3%:I1sa&#8217;:EAi.&lt;%3;&#039;VA;i:\u00a7\u00ab._f\u00a7.\ufb02\u00a7\u00a73;&quot;f%was  gfavatage Bf<br \/>\n&#039;\u00a3116 xisk (31? a piE};i.z:1   has 120*: begin<br \/>\nconsidmbs\u00e9; \u00a73}&#8221;V}L4E;&#8217;3&#8243;::::fM%1&#8217;*(}\u00a7:3\u20ac::\u00a7&#8217;  Tribursal and has<br \/>\nEaiieti 11&#8217;p1; Supreme C0111? in the:\n<\/p>\n<p>cast:   that &#8216;$35 \ufb01iil\u00e9ilgi&#8217;-33:3} {if<br \/>\n:?0\ufb011{J\u00a7\ufb01s\u00e9;ti0\u00a31   Eaigh\ufb01r Si\u00e9a and tiakirig iliiio<\/p>\n<p>co\ufb02si\u00e9efa\ufb01dm {ha &#8216;V\ufb01:jA1;:I3}&#8221;~\u00a3V:3gf}&#8217;c3r\u20acd by 3:16 \ufb01m\ufb01 rs$;:)m1d\u00a2:n&#8217;i:,<\/p>\n<p>  \u20ac11\u00a7:_ *p\u20acfif\u00a7r::3r;i&#8217;ag\u20ac: v \u00e9f~~~&#8211;}f3i:iF\u00a7\ufb01811\u20acIit aii\ufb01ab\ufb02ity assessed by th\ufb01<\/p>\n<p>V 7&#8242;?fi\u00a7.1&#8217;}15f\u00a7.&#8217;%;: \u20ac:XI.\u20ac~::&#8221;f{ if 25% is on tha higher side zinc}; thai if<\/p>\n<p>fjoig\u00e9i\u00e9i &#8216;j_\u00a53}&#8217;:i\u20acz1 at 10%: at \u00a3333 133.03%. \ufb01e ihemfom &#8216;1&#8217;\u20acqu.esE:~:<\/p>\n<p>  &#8216;to \u00a7}1&#8243;f\u00a3IV\u20ac\u00a3]_C 311$ set agid\ufb01 the judgemez\ufb01. an\u00e9<\/p>\n<p>&#8221; V. \u00e9wagd 5:&#8217; the Tzihunai.\n<\/p>\n<p>  H Fer comma, ii; ig submiite\u00e9 by the iearn\ufb01d \u20ac3e::tm3\u20ac:\u00a3 fer<\/p>\n<p>V V&#8217; &#8216;the first r\u20acs.ps:rii&#8217;ta\u00a71 statemitni and :h\u20ac:*af(:21*::, tiizi &#8216;E&#8217;\u00a7f\u00a3&#8217;E:s12;na1\u00bbfe37&#8217;as&#8217;\u00a7t&#8217;is\u00a3133;:<\/p>\n<p>net raising any of this iss&#8221;a1a:*:\u00a7 new raistii \u00a312 \ufb02*:\u00e9 9;;;p\u20aca\u00a7; a:1z:i_ V I<\/p>\n<p>the. campelasatiml awazsrcicd is ju\u00a7s=i&#8221;_\u00e9a\u00a7;:i gmpax\u00e9v\u00e9hicig dam not<\/p>\n<p>Ca\ufb02 far \u00a3311}? i:1&#8242;{erf\u20ac:z35.&#8221;3a::-s:&#8217;:&#8221;i&#8217;1&#8217;3 {his  <\/p>\n<p>12. &#8216;\u00a7&#8217;aki:1gV:3\u00a7$te_Qf   $u\u00a7f;:\u00a5%i.&lt;%si&lt;3ns the paitzzts<br \/>\n\ufb01aaf 31136<br \/>\nIjm _ tb\ufb01t: was right ;:?11<br \/>\n&#039;&#8211;  &quot; first I&#039;f:S\u00a7\u20ac}1}(\u00a7;if31fIt&#039;<br \/>\n&#039;&quot;&#039; &#039;\u00a71\u20ac:1&quot;Vi3i&#039;V\u00a5Vi    tVhe riciezr of the vehicle<br \/>\n  pillien ri\u00e9er ?\n<\/p>\n<p> :V:\u00a73e&#8217;I::et}3\u00a3r the Txibunal was right. in<br \/>\n that the piilian xicier was<\/p>\n<p>&#8216; -.r::i1tit_ie5\u00e9 1:9 compensation ; and<\/p>\n<p>Whether the quantum of csmpensa\ufb01oa<\/p>\n<p>G3 <\/p>\n<p>awarfie\ufb01 is just aixi pmpczti&#8221;.\n<\/p>\n<p>%<\/p>\n<p><span class=\"hidden_text\">10<\/span><\/p>\n<p>.13 At $333 0:33:36? I hays extmctezi. the rei\ufb01vant poz\ufb01szis Qf<\/p>\n<p>{Em w:13\u20acie:: statemziin having a b\ufb01aring 013 1:21\u00bb: c;_ussiia\u00a72.A&#8217;t.e<\/p>\n<p>Whether {hit \ufb01f\ufb01i rcspen\u00e9ent hemin. was t}:\u00a7=\u00a7 i&#8217;\u00a7\u00a3i_!:7EVi&#8221;:..: {}&#8217;3f <\/p>\n<p>vakzici\ufb01z or a p\u00e9iii\ufb01n rider; The _\u00a7::3.n&#8217;tf\u00a3z:\u00a71   \u00a7?&#8217;.},\u00a2<\/p>\n<p>appeilani h\ufb01f\ufb01i\ufb01 preceedezi 0.11:&#8221;-..the;&#8217;_&#8221;Tb$:sis._37$? <\/p>\n<p>I-aspa\ufb01demt was :21 piiiion rid&#8217;r%r&#8217;2\u00a7;:c;\u00a5 {fiat  a .z:i_d&lt;:r, his. &#039;<\/p>\n<p>risk was \ufb01at. Covere\ufb01 311:1 th\u20acr\u00e9a&#039;:&#039;r;1&#039;\u20ac&#8211;,.._ \ufb02it? hapggellaztft was not<br \/>\nh,:=iF:3Ee \u00a30 saic\ufb01sfy the a.ivaiff;\u00a3. &#039;\u00a7**\u00a70;fw&#039;3v\u00e9r;&#039;v.s;i:x:\u00a7e 21 szispician was<br \/>\nentertain\u00e9d by &#039;$133 appc.i}.a:1\u00a3~in;-sztrdli\u00e9ic Cf\u00e9mfiany wiih mgard<\/p>\n<p>to the facizlxiii  ::2i\u00a3i&#039;C(3{i:.\u20ac,{\u20ac1&#039;1E:&quot;&#039;VEiI1f;7&#039;1 &#039; &#039;aisle WE1e3:\u00a71er th\ufb01 f\u00a7I&#039;SiL<\/p>\n<p>I&#039;\u20acSf\u00a7C)3&quot;;ii&#039;\u20acf}\u00ab$J:&#039;1\u00a753\u20ac.ig\u00a7\u00a7.31Z&amp;}:\ufb01F3E5&#039;iI1\u00a7&#039;;;11&quot;if;S;: as a r\ufb01er ar 33 a pi\u00e9lion,<br \/>\nrid\u20acr, a31 &#039;i\ufb01va\u00e9izg\u00e9iibiz. ti\ufb01\ufb01e an\ufb01 the inv\u00e9stigatiezi repcazt<br \/>\nis 31%)   32:, 6:1 3 parusai of &#039;file investigatlezz<br \/>\n at par\u00e9  nofed as foilows:\n<\/p>\n<p>, _  \u00ab- Bagawadi Polica Iaave charge\n<\/p>\n<p>&#8212; s}1\u00e9&lt;::e;;E is insured I}:}.\u20ac)t01&quot;C\u00a7?&#039;(&#039;}\u20ac rider Shri<br \/>\n&quot; \u00ab &#039;}_3{&#039;\u00bba_9;&#039;$~.E\u00a71\ufb01kar. Ya\ufb01angeu\ufb01a Fati}; Ufa 2&#039;?\u00a7, 338<br \/>\n_ &quot;fjw 134 85 18?? EM? 1&quot;s\u00bb.:&#039;.:i:. E&#039;c\u00bbHosa:-&#039;i31g are-.<br \/>\n ih\u00e9 details of charges sham,<\/p>\n<p>V &quot; Foiice Station :. fiirass Bagewas:ii 98.\n<\/p>\n<p>Crime # : 10?} 2005<br \/>\nSmrian cf Law : 279, 338 IPC rim: 1.34 SE<br \/>\n18&#8242;? EMV A91<\/p>\n<p>Date {if FIR : GEE, Q6-{)9~2GO.&#8221;:3<br \/>\nCharge skzseted on : .31~(}5v~2GG6<\/p>\n<p>ix<br \/>\n\/\/<\/p>\n<p> &#8221; .:;;i,;gAZ:%13N,  : &#8216;fi:-\ufb01t thing that the appe1ia_{1t&#8211;i1:1sura:1&lt;;:e comp\u00e9sxzgg<\/p>\n<p>I  .V \u00a7:1z\u20ac\u00a7a&#8211;:&quot;d0ne was to amerz\ufb01 the written statement<\/p>\n<p> A\u20aci{&quot;C0\u00a7z&#039;C1i1&quot;;g\u00a7\u00a7*&#039; urge\u00e9 B\ufb01fcre the Txihunal for dismissal \ufb01f &#039;aha<br \/>\n  petiiian, as the clmimani himself was rzegiigtznt an\u00e9<\/p>\n<p>h.c.m::\u20ac,, the claim \u00a7.&#039;9\u20ac&#039;\ufb01\ufb01O&#039;i&#039;}, would amt. haw bean mainfairfabia.<\/p>\n<p><span class=\"hidden_text\">13<\/span><\/p>\n<p>iii) Giaima\ufb02i Ravi Bharamappa Mina3&#8217;agi ;is__<br \/>\nriding the motorttycle at the materiai<br \/>\ntime Qf a&lt;:&lt;::i\u00e9.en.t and was um. i3avir:.g&#039;&#039;=..&lt; *<br \/>\nvaiigi 3113:? e\ufb01ec\ufb01ve {irivirxg iicmrzce t=&lt;}.\u00a7i_:g%iv::&#039; &#039; L.  V<br \/>\n\u00a7WQ&#8211;&#039;WhEE&#039;.};\u20acI&quot;.\n<\/p>\n<p>iv} As -gar vshiclie s\ufb01izurrz p3nc}::.:3i1arr:.a &#8216; M<br \/>\nccmducried by poiice, &#8216;(ha-rs: a_r\u00a2:-~\u00bb31{\u00a7~.Vai&#8217;:\u00a77 .<br \/>\nvisible: \u00e9amag\ufb01s in 1&#8242;:1:&#8221;uif%sa:1.1n&#8217;0*;0\u00a7&lt;;y1.1da &#8216;Pail ujs\u00a5 A :27&#8217;9, f<br \/>\n338 IPC rjw 13\u00e9\u00a3.{3z9;&#8217;-187 mv fxesrtf  &#8216;  <\/p>\n<p>vi) Thf? insugrttzd mot\u00e9i\ufb01jycie 110i;&#8217;.i11{V0iV\u20ac(3;::i11<br \/>\nthe accident ant} _a1s_&lt;&#039;; . .;not3 Z\u20ac&#039;f3&#039;$})\u00a2:iI}S_\u00a7Lib1\u00a7.&#039;f(}I&#039;<br \/>\ninjuries 1.6 &#039;\u00a2ZLE1iITi8..I1f 221152 &quot;Sm: G-emgavva<br \/>\nNa:t1di}:1alIi;&#039;*.  _ &#039;  j  AA &quot;\n<\/p>\n<p>Vii) The i\ufb02suyraai Imotiqzrizfgcie. is: f &#8216;iI1Ci.i(:e1te:&amp; to<br \/>\ncast: crniy f;Jv&#8211;geit=:he cvoxnfiyerisajiion umzier<br \/>\naE:v@j:e&#8212; said ;ins1;&#8217;;\u00a2a1}.:;5e;~.\u00a7;::;}j:j}=I:&#8217;<\/p>\n<p>15. ffas'[:\u00a3\u00e9i&#8217;V&#8217;1ii::\u00a3%..\u00a7:2g:li1a_\u00a7$*&#8211;0f&#8221;$16 investigator, thta 33115161&#8243; of ma<br \/>\nveI:1i&lt;:ie ivsa\u00e9, infact Sig  and that 3:115: was mat having 3<\/p>\n<p> &quot;::1_I;;1::i e\ufb01\u00e9ct\ufb01\u00e9e&#039; dfiving \ufb01cence to drive {ha EVVG whcelmg<\/p>\n<p>h\u00e9g-36$ v_v&#039;:3i:&#039;?: f*E:\u00a5:T:e fmdixlgs 0f tlize irzvtzgtigation repogrt. and<\/p>\n<p>Hawever, such 3: step has :16&#039;: been taken by the appeilantw<\/p>\n<p>%<\/p>\n<p>E3<\/p>\n<p>i{1S11I&#039;aJ}.\u20ac2-6 company \ufb01g: the instant ca$e but .21 $&quot;\u00a73b:ir&#039;=;;%$:~:.i;:$:?s_ is<\/p>\n<p>new ma\ufb01a at 1316: Bar thai thfz. rxld\ufb01r of the &#039;\u00a7z{i:};_s,;~i&lt;L:i\u20ac $%?eX$&quot; -n\u00e9\ufb01l\u00e9 <\/p>\n<p>cth\ufb01r than the claimagzzt and _\ufb011j:fer=i&quot;r3n:\u00bb:&#039;,&quot;&quot;&#039;:&#039;i1\u20ac-?.&#039;_&#039;v .i#\ufb01&#039;E\u20ac&#039;\u00a7i1Ef8i3.\u00a7f\u20ac&#039; <\/p>\n<p>csjmpatiy is not iiabis, 1 am tinabiiaj te_&#039;a~::c:ep&#039;:.\u20acE1iS&quot;c-ciiitiegz\ufb01i\u00e9em<\/p>\n<p>in 8:15: absence Of fharr: bei:1g_TVa..p}ea{i&#039;ia;__gV\u00e91;d ;*3iv\u00a7&#039;.}:.\u00a7A;&#039;:t&#039;:t&#039;\u00a7.7Cf::\u00a3i&#039;, {.43 t\u00a7i2;3:V V<\/p>\n<p>effact and ihmefom, the gai\u00e9 c\ufb01\ufb01tgix\u00e9ioig \u00a3133.. :6 &#039;be i?.\u20ac_\u00a7s::::f:Ed,<\/p>\n<p>16; The max? $13bmi51\u00a7&#039;i;3:1&quot;&#039;e_i;&quot; i&#039;t \u00a5g,e .:1&#039;;\u20ac:&#039;\u00a7 \u20ac21 irL15\u20ac%(iV.\u20aci021;E;s$} fiifi&quot; &#039;She<br \/>\nappallmai is  figs  p\ufb01ijmi ricietr and<br \/>\nthere xazas\u00a7.2\u00a2x&amp;~;&#039;~vg\u00a7,;ii;3\u00e9.i:&#039;;\u00a73i&#039;1a;\u00a7_  is cover fii\ufb01 risk<br \/>\nof t11\u20ac pi_\u00a7jVl{:Za:si:V appe\ufb01a\ufb01i is not Liab\u00e9e: ig<br \/>\nsaftrisf\ufb01 $16&#039;  \ufb01isnnsei has producg\u00e9 E:\u00ab:.\u00a7&lt;f:2<\/p>\n<p>which is 09;}; \u00a35\u00a7 &#039;{\u00a7i&#039;\u00a3&lt;&quot;:Vi&quot; \u00a3ifEiZ&#039;{i\ufb01C\ufb01&quot;\u00a7:Ei*C1}.3}1*&quot;{}{2i\u00a7i{?}&#039; SC\u00a7&#039;}\u20acd&quot;i}.\u00a7\ufb01 agiaai<\/p>\n<p>cegikiiais ih\u00e9b\u00e9.-.  absence sf thttra being a spacial<\/p>\n<p>&#039;A C939} \u00a3:3;*a\u00e9i:ii &#039;:0 cxrgver ihe \ufb02ak of \ufb01gs piiiisn riiier by C{}11(3CtiQ\u00a71 sf<\/p>\n<p> gafj\u00e9zr\ufb01ium, &#039;E115 Txiizunal ought \u00a312: have dismiss\u00e9d<\/p>\n<p>ih\ufb01 \ufb01e\ufb01\ufb01eii. A peruse} of E;-1.2.2 mak\ufb01s it ap}j3am1:,t<\/p>\n<p> fthai  not an ACE poiicy but a campreimnsiv\ufb01 pOi:i{:}i Th\ufb01<\/p>\n<p>  &amp;=:i\u00e9\u00ab;E}\u20ac::i &#039;(\ufb01rms a\ufb01d cenditions of the policy wera 11:31<\/p>\n<p>  V fgsrcriucezi bafcsr\ufb01 the Tribunai. \ufb01n ihff e::&#039;\u20ac&quot;i1:2r hand, &#039;there is<\/p>\n<p>xii.\n<\/p>\n<p>\/\/&#8221;%<\/p>\n<p>J &#8221;  . 15:;;~\u00a7\u00a7:\u00a7Z&#8217;<\/p>\n<p>E6<\/p>\n<p>szeizide fif?&#8217; reasans \u00a7C?&#8217;i\u20ac?I\u00a7}?&#8221;t fa him C5988 FIG? \u00a2::}1z3=-;i_:\u00e9ie&#8221;:.<br \/>\nfa pmcfmze Ike pi\ufb02icy er (:2 mpg Eh.er\u20ac{}f __ S _,<br \/>\naaxjerzfirzgigsg wish \u00a39 ezmphasize ihat \u00a332. c:&#8211;\u00a7\u00a7&#8217;~su;:7}:.&#8221; &#8216;<br \/>\nC{1S\u20acS where she f;%z:3&#8217;zsra?z.ce Cermpany _{&gt;:};\u00a7.c&#8217;x\u00bbf:14ze;i &#8216;<br \/>\nwislws 16 take a defence fr: c\u00a7(2\u00a3rn.__;2\u20acZ:&#8217;E\u00e9{3n Vthaf\u00bb 2%<br \/>\nEiabiiity {s not in exaesg of thg $:atuiu:f:}\u00ab_3i\u00e9#biZii3&#8242;;.\u00a7:&#8217;._ H &#8216; H<br \/>\nshzmlgii \ufb01le a mpg cf the fr2s\u00e92.ra::z:\u00a7:feA~p0f\u00a3\\::g&#8221;*g\u00a7or&#8217;z\u00a7..<br \/>\nwith \u00a328 defence. Even 3&#8217;3&#8243;: the if:,3is:};2&#8217;2,f tx2s;*e\u20ac&#8217;.jF&#8221;.:aic\u00a7 &#8220;if<br \/>\nkeen. done 30 at the ag:~;2:\u00a3;a;;riaieA&#8217;siage f:ec:e5;s&#8211;:&#8217;?yV <\/p>\n<p>af rgg\u00e9proaching thig Court \ufb01x, {1&#8242;:&#8217;viE Appezzizgi-:m\u00a7\u00a3:Z \u20ac31<\/p>\n<p>(IE2 prc:3\u00bbba\ufb01i?\u20ac\u00a3y have 593:1 _\u00a7::.i%ar;i\u00a2&#8217;2&#8217;\u00a32agI. Fi?&#8217;\u00a3ng;V {:1 <\/p>\n<p>af the paizlcry, t3*w:fefore;&#8217; E19: :3r,.{y \u00abmis;V&#8221; $&#8217;}m:&#8221;\u00a3<br \/>\navaidabie Iifiga.tio1r3. .}3uA1?_a.is;_ov I\u00e93.&#8211;~2?;&#8217;33 31:3 Court in<br \/>\ndaing jusiioe bezweerz; iE1e&#8217;g;\u20acz\u00a7*\u00a3ie3, &#8211; T3}?,e*_.:;\u00a3}$ig1fz&#8217;c:;::;<\/p>\n<p>an the pariatif file S3aLi\u00a23~&#8217;vV0:&#8217;&#8211;.its.L \u00a3r&#8217;:s&#8221;:\u00a7:u\u00a7;&#8217;;r:&#8221;n\u00a3a\u00a7i\u00a3ies is}<br \/>\naaffczirfy cz:z,n&#8217;*a*z\u20acv\u00e9:r be e\u00a7t;er:\u00e922iphaS:E:ec\u00a5~ &#8221;<\/p>\n<p>18. Fzlr\ufb01fxerf-ui3;1\u00e9. &#8216;ti-}a1i$\u00a7%.&#8217;: to as &#8216;imporiia Ht Imfice&#8217;<br \/>\naxiracte\u00e9 z\ufb013\u00a7:&#8221;&gt;\u00a3?\u00e9:f&#8211;. i&#8217;s 3 &#8212; in a\ufb01cthsr iiecision Of th\ufb01<\/p>\n<p>H(}\ufb02&#8217;\u00a7}\u20ac&#8221;\u00a7\u00a7}1\u00a7}f\u20acmE\u00a3:,V&#8217;.C;}uI;f'&#8221;\ufb02iifi case of Amrii; L31 Seed Vs.<\/p>\n<p>Kaushgiya  Th}&#8217;5q3:\u00e9ijr,, Qi\ufb01ii\u00e9 1998 SUPREME COURT Page<\/p>\n<p>I   of th\u00e9 Act provicles that p9\u00a7:ic\u00a7; sf<\/p>\n<p>iI&#8217;1S&#8217;\u00e9;1}Z&#8217;E&#8217;i11{2\u20ac&#8217; mitsi b\ufb01 one which ixmuras the \u00a7e&#8217;rson agai\ufb01si <\/p>\n<p> &#8216;  &#8220;=1iAa:bi3it..3&gt;v.x2v.&#8217;;11ic:\u00a71 may be izlcurred bf; him. in resmct sf death 01&#8243;<\/p>\n<p> injury &#8216;:0 any person 01&#8221; damage :0 any pmperty Qtf<\/p>\n<p>V.  tkiirii pa\ufb01y caused by or azisizzng out rzsf the 133$ of the vahicie<\/p>\n<p>in 3. gubiic piaca. Tim sectioix dees not however rezquir\u00e9 \u00a31<\/p>\n<p>*2<\/p>\n<p><span class=\"hidden_text\">18<\/span><\/p>\n<p>award, twa i\ufb01ttsr patent aggyaais, arm by <\/p>\n<p>R\u20ac\u00a7I&#8217;\u20acS\u20acZI1&#8217;E3\ufb01V\u20acS of the cieiimant and tha <\/p>\n<p>sf {ha vehix:-1: Wha was the app&amp;V11;a5:1\u00bb1&#8217;$ &#8216;;}:&lt;:f:\u00a71&#039;\u20ac&#039; &#039;E:&#039;1:&#039;\u00a73:&#039;t33.B\u20ac&quot;&#039;V<\/p>\n<p>Caurt w\ufb01re \ufb01led &#039;befs;31&quot;\u20ac~&#039;: the Rigi:\n<\/p>\n<p>1:1 ih\u00e9f said appeais, it wa\ufb01lssiid E}&#8221;ia.f_i&#8217;: &#8216;\ufb02it: 1Zsi$13jge3f_H%*a:$ i1e&#8217;%.; ~<\/p>\n<p>liable, as $119, c.ia1im;mt wa$ o:\u00a7\u00a7&gt;1\u00ab 1:&#8217;:;a$s\u00e9:i1g,$::f&#8217;\u00a3r1  vehicle.<br \/>\nThen the \u00e9zriver an\u00e9    :\u00ab:ag&#8221;133tf&amp;H\ufb01\u00a7 ggagaaais an<br \/>\nSgiecial leave AV &#8216;&#8221;E&#8217;he  said Elia&#8217;: th\ufb01<br \/>\nquestisn is &#8216;:&#8217;.i;?}1 6i&#8217;i:1\u00a7!i&#8217;:.&#8217;\u00a3f3?.\u20ac.:Vw\u00a7\u00a7&#8217;lSi1r6f was Eiabiz: \u00a39<br \/>\nsatisfy    made by a person<br \/>\n   The Supreme Ciau\ufb01;\n<\/p>\n<p>refe11&#8217;z:&#8217;;d  :&#8217;f13}\u00e9.~&#8221;EvIato;&#8217; Vehicies 561, 1939 which<\/p>\n<p>Comgqela aivzt\u00e9r Qf.&#8217;-th\u00e9. mbior vchicla ta 311311315 &#8216;aha Vehicle in<\/p>\n<p>&#8216;V V&#8217;  _ C&amp;$$\u00a3&#8217;p\u00a7\u00a7L\ufb02n$EAWiE}\u00a3V{E1\u20ac&#8221;I&#8217;&amp;}{1iI&#8217;\u20acm\u20ac311&#8217;\u00a3S 9:&#8221; chapter Vi}? 9:&#8221; the Act.<\/p>\n<p> 2   Said Case, the \u00a730}\u00a7{?\u00a7&gt;&#8217; was admitted\ufb01r a<\/p>\n<p>CG\ufb011\u00a7f\u00e9\u00a7;e\ufb01$ive pwiicy which hag ham: dct\ufb01fzed in BIa&lt;:&#039;\u00e9.s:&#039;s: Law<\/p>\n<p> l}ii&lt;:%\u00a7:i011arjJ in 5511 Eizclifti-:31; &quot;all risk i11$u:&#039;a11{:\u20ac&quot; which means<\/p>\n<p> cf insurancc policy which erzi\u00e9xlaxiiy cevers EVSIY Eggs<\/p>\n<p> tha\u00a3 may happen, excapt E35; \ufb01xamiuient act of the iasure\u00e9.<\/p>\n<p>%<\/p>\n<p>thii\ufb01 partzies ciaim again\ufb01f; the (f(}IH}}.&#039;E:}_f1}V&#039;_ \u00a3T:_1&#039;[i-.._&#039;<br \/>\nacm3uTnt of its claim again\ufb01t 9; person spgagcti\ufb01sd&#039; .   V<br \/>\nin para 3 as one {Q Wham cever of th:3=.\u00a7__pc3ii&lt;:t\u00a7,;=.  9&#039;<br \/>\nwas extended&quot;.   L&#039;<\/p>\n<p>The Supreme Cfsurt aficr c0n3iCI\u00e9:ring..?.&quot;\u00a7ik: CZa.iu.S%- %,:3:\u00a3fr:\u00a7_\u00a7:*&quot;:f;};;&#039;e<\/p>\n<p>heading &quot;z\ufb01voidanife of Csrtajx: f\u00e9rm\u00e9  RigT}:i\u00a72t&#039;VV_vf.\u20aca&lt;:i\u00a3\u00a73v:\u00e9r u 2<\/p>\n<p>had that the saint csiatzse  e\u00e9iabi\u00e9  {i1a f;i:1su:%a11g?E:<br \/>\nCompany&quot; is \u00a7&#039;ESiS&#039;iZ orv-\u00a7\u00a7f@.id   c}.aim.az1&#039;\u00a7..\n<\/p>\n<p>Th\ufb01&#8217;: CU\/{}I&#8221;t flifih\ufb01i&#8221; i1\u20ac}V\u00a7i    arise fgxr<br \/>\ncongidaratigxj;  a  1:115 insumr anzi<br \/>\ninsurs\u00e9.  V&#8217;\u00a7;;!;1&lt;:1\u00e9:* {\u00a318 said 9131136} the<\/p>\n<p>iZ1Si}\u00a7&#039;i&#039;fI&quot; csflxi\u00e9i  rcg\u00e9gime\ufb01i fmm &#039;\u20ac115 i\ufb01su:t&#039;ed was Eaf:<br \/>\nspan a::z:\u00a7_ was it. zss\u00e9as \ufb01ii\ufb01\u00e9f\ufb01d that. &#039;$315 insuranc\ufb01 competing;<\/p>\n<p>wag ii;::\u00a7:;1e: :5 :\u00a5;cf\u00e9&quot;3: th\u00e9&#039; ciaim of the Ciaimani am: satisfy the<\/p>\n<p> *   bf;  Tribunai and modi\ufb01ed by the gig}:\n<\/p>\n<p> V&#8221;\u00a7.1:ii:igment 3f the High Ccurt in so far as it<\/p>\n<p>eXQ4r1\u20acI&#8217;aie=:d \u00a3%ie insummse \u00e9tsmpany fmm the \ufb01abiiiiy wag 36&#8242;:<\/p>\n<p> asidef _ <\/p>\n<p>&#8216;  The aforesaid cficcision mndezre\u00e9 by a three judge bench<\/p>\n<p>was cons\u00e9\u00e9ere\ufb01 by a \ufb01ve. jmige bench in the cage of NEW<\/p>\n<p>%&#8217;<\/p>\n<p><span class=\"hidden_text\">28<\/span><\/p>\n<p>\u00e9jiiasiioxz 0f qaza\ufb01tzim mid 131$: CC3\ufb011p\u20ac&#8217;\u00a7IS&amp;}Ii0I1<br \/>\n&#8216;\u00a7&#8217;rif:)u1&#8243;1a} is mziuzred f&#8217;:&#8217;13:1 R3. 1,{&#8216;}4$6CHi} ,1 &#8212;<br \/>\n{Rupees Savant}? ilili\ufb01f \ufb01musand s&#8217;9;\u00a7\u00a7iVV &#8216;<br \/>\nc::&gt;}31p\u20ac::t:s.2ai:ics:1 gha\ufb01 s:\u00a3;rry i:1t:s:&#8217;r:si -at ,r\u20ac;.<br \/>\nthe \u00a3:..Ea.\u00a7..:n peti\ufb01en 1&amp;1} r\u20aca}&#8217;\u00a7i$a1f;i_f&gt;n1  &#8220;f\u00a7;1}:}  &#8221;<br \/>\nbefem this {louri is ez\ufb02ezrzci tojV:d&#8217;\u00a7i&#8217;e3V V\u00a7::a;;sfc2ffc\u00a7ui:  Tzibunai<br \/>\nAppueai &#8220;\u00a313 czllmved in   &#8216;\u00a31&#8217;-;:&#8217;r&#8217;L&#8221;&#8216;3A\u00bb&#8221;\u00a7&#8217;.5&#8217;1(f:,\u00a5~&#8217;\u00a7)f*3;*&#8217;%$..&#8221;J!\u00a7,Ef'&#8221;5Iji1}S. V<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Karnataka High Court Bajaj Allianz General Insurance &#8230; vs Ravi Bhadrappa Minajigi on 29 August, 2008 Author: B.V.Nagarathna ft&#8217;) Vaj\u00a7e&#8217;Ga1};i, vaaiggagg, . B\u20ac~:.1gaum. &#8211; ~ A &#8211; G4; i\u00e9emath, Major; .&#8217; \u00ab V _\u00bb ?;\u00a7ad:\u00bb1s&#8221; iii _., Bslgaum. V V ,&#8217;:;&#8217;-;_\u00a7;V3:*3&#8242;..&#8217;1&#8217;s\u00bbi&#8221;a;I::19 \u00a7\u00ab;AR\u00a7mm~:A c:R\u00a3:w&#8217;:f: \u00a7V\u00a7*;::;\\&#8217;\ufb01::&#8217;:~; 2%&#8217;? DH,2%RWAD V &#8212; EJATED *m:&#8217;ss: THE: 29% my 0;: aLI\u00a5::s&#8221; [&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":[8,20],"tags":[],"class_list":["post-66794","post","type-post","status-publish","format-standard","hentry","category-high-court","category-karnataka-high-court"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bajaj Allianz General Insurance ... vs Ravi Bhadrappa Minajigi on 29 August, 2008 - Free Judgements of Supreme Court &amp; 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\/bajaj-allianz-general-insurance-vs-ravi-bhadrappa-minajigi-on-29-august-2008\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bajaj Allianz General Insurance ... vs Ravi Bhadrappa Minajigi on 29 August, 2008 - Free Judgements of Supreme Court &amp; 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