JUDGMENT : 1. This First Appeal by the original plaintiff raises some short question of law arising under the Motor Vehicles Act 1939 in the following facts of the case :-- 2. The plaintiff/appellant is the mother of deceased Prakash Mangesh Shivdikar, who was travelling in the Auto-Rickshaw No. MHT 6265, which was proceeding towards Thane on the Pune -- Thane Road on 12th May 1974, at about 6.00 a.m. A motor truck bearing No. MEL 4771 was coming from Thane and was proceeding towards Pune. The respondents in the Appeal are the original defendants. The 1st defendant Solomon was driving the Auto-Rickshaw at the relevant time; the 2nd defendant Bamane is admittedly the owner of the Auto-Rickshaw and the 3rd defendant is the Indian Mercantile Insurance Co. Ltd., which is the insurer of the vehicle. As a result of the negligent driving of the 1st defendant, Solomon, the auto-rickshaw dashed against the motor truck coming from the opposite direction and Prakash, the son of the appellant/plaintiff, died in staneously. The appellant claimed damages of Rs. 25,000/- in that behalf. Special Civil Suit No. 207 of 1977 was filed before the learned Civil Judge, Junior Division, Thane. Despute the service of notice, the 1st defendant Solomon did not file any written statement. He, at times, appeared in the Court, but did not examine himself as a witness. Defendants Nos. 2 & 3 appeared at the trial and filed their common written statement at Exh. 36. Their plea, in short, is that though defendant No. 2 was admittedly the owner of the said auto-rickshaw at the relevant time, defendant No. 1 Solomon was not driving the rickshaw during the course of his employment with defendant No. 2. According to defendants Nos. 2 and 3, the driver of the auto-rickshaw was one Prabhakar Shetty, who was in the service of the 2nd defendant. The said Prabhakar Shetty, in utter disregard of the instructions given to him by defendant No. 2, permitted defendant No. 1 to drive the rickshaw. The 2nd & 3rd defendants, therefore, contended that for this action on the part of the employee of the 2nd defendant, viz. Prabhakar Shetty, defendant No. 2 would not be liable and, therefore, there is no question of defendant No. 3 being liable. 3. The 2nd & 3rd defendants, therefore, contended that for this action on the part of the employee of the 2nd defendant, viz. Prabhakar Shetty, defendant No. 2 would not be liable and, therefore, there is no question of defendant No. 3 being liable. 3. The learned trial Judge framed the necessary issues with his findings thereon as below : "Issues (1) Does plaintiff prove that at the time of accident on 12th May 1974 the Defendant No. 1 was driving the auto-rickshaw No. MHT 6265 in a rash and negligent manner? (2) Does she further prove that her son Prakash died as a result of the accident? (3) Does she prove that she has suffered damages of Rs. 25,000 on account of untimely death of her son Prakash? (4) Docs Defendant No. 2 prove that the Defendant No. 1 was not his servant and as such he is not vicariously liable to pay the amount of damages? (5) What is due to the Plaintiff and from which of the Defendant? (6) What decree and order? Findings (1) Yes. (2) Yes. (3) Yes. (4) Yes. (5) Rs. 25,000 from Defendant No. 1. (6) As per order." In the result, the learned trial Judge came to the conclusion that the plaintiff's suit for compensation of Rs. 25,000/- was liable to be decreed only against defendant No. 1. The learned Judge came to the conclusion that the plaintiff was not entitled to decree against defendants Nos. 2 & 3. Having held that defendant No. 1 was not in the employment of defendant No. 2, the learned Judge held that defendant No. 2 was not vicariously liable to pay the amount of damages, which was payable only by defendant No. 1. In the result, the decree for Rs. 25,000/- was passed against defendant No. 1 alone directing him to pay the said amount of Rs. 25,000/- with interest at the rate of 6% per annum on Rs. 25,000/- from the date of the suit till the amount was realised. It appears that the appellant has not been able to recover anything from the 1st defendant who has no means to pay the decreetal amount. 4. Being aggrieved, therefore, by the said judgment, the present appeal has been filed. I have heard both the learned counsel, Mr. George Kurian for the appellant and Mr. Vidyarthi for respondent No. 3, Insurance Co., Respondents Nos. 4. Being aggrieved, therefore, by the said judgment, the present appeal has been filed. I have heard both the learned counsel, Mr. George Kurian for the appellant and Mr. Vidyarthi for respondent No. 3, Insurance Co., Respondents Nos. 1 and 2 are served. There is no controversy before me on the findings on the first 3 issues quoted above. Mr. George Kurian, however, disputed the finding on Issue No. 4 there it has been held that defendant No. 1 was not in the employment of defendant No. 2. There is no documentary evidence produced on record in the form of a Log Book top show as to who, was employed as the driver of the rickshaw at the relevant time. My attention is invited to R, 121(1)(a)(v) of the Bombay Motor Vehicles Rules, 1959, framed under the Motor Vehicles Act 1939, under which it is the duty of the owner of the vehicle to mention in the Log Book as to who is the driver of the vehicle. The said R. 121(1)(a)(v) reads as under :-- "The Regional Transport Authority may, by general or special order, require the owners of transport vehicles -- (a) to maintain records and submit returns in respect of the vehicles in such form and by such dates as the Regional Transport Authority may specify, and such records and returns may include all or any of the following particulars:-- (i) the registration number of the vehicle; (ii) the name and address of the permit holder; (iii) the type of permit held : Permanent/ Temporary and Carrier : Public/Private etc; (iv) the date of each journey undertaken; (v) the name and licence number of the driver and conductor and other attendant, if any." The 2nd respondent, Bamane, is examined at Exh. 63. Though in his cross-examination he has admitted that a Log Book was maintained in which the name of Prabhakar Shetty was mentioned as driver, no Log Book has been produced to substantiate his case. Admittedly, at the time of the accident the 1st respondent, Solomon was found to be driving the rickshaw. It may be difficult for a stranger like the present appellant, the mother of the deceased, to say as to who exactly was the driver employed by the 2nd defendant, the owner of the rickshaw. Admittedly, at the time of the accident the 1st respondent, Solomon was found to be driving the rickshaw. It may be difficult for a stranger like the present appellant, the mother of the deceased, to say as to who exactly was the driver employed by the 2nd defendant, the owner of the rickshaw. The 2nd defendant has not himself proved by satisfactory evidence that the driver of the rickshaw was not the 1st defendant, but that it was somebody else. The best evidence to prove that Prabhakar Shetty and not defendant No. 1 Solomon was the driver of the vehicle was in the possession of the 2nd defendant/owner. Admittedly, the 2nd defendant has not produced the Log Book to show that Prabhakar Shetty was the driver and not Solomon. In this state of affairs, it is difficult to accept the evidence of the 2nd defendant as well as the third defendant Insurance Co. that the rickshaw at the relevant time was being driven by same one else other than the regular driver. For the failure on the part of the 2nd defendant to produce the best evidence in his possession, an adverse inference will have to be drawn against the 2nd defendant. It will have, therefore, to be held that the 2nd defendant failed to prove that the 1st defendant was not his driver and was not in his employment. The finding on Issued No. 4 will have, therefore, to be reversed. In the view which 1 am taking, once it is held that defendant No. 1 must be deemed to have been in the employment of defendant No. 2, it must follow that defendant No. 2 would be liable, thus, rendering the 3rd defendant liable. 5. However, Mr. George Kurian for the appellant has advanced an argument in the alternative, without prejudice to his submission on the correctness of the finding on Issue No. 4. The alternative submission of Mr. 5. However, Mr. George Kurian for the appellant has advanced an argument in the alternative, without prejudice to his submission on the correctness of the finding on Issue No. 4. The alternative submission of Mr. Kurian is that even if it were to be held that the 1st defendant was not in the employment of the 2nd defendant, by virtue of the provisions of S. 95(1)(b)(ii) of the Motor Vehicles Act 1939 where an insurer, who has issued a policy insuring any such person specified in the policy against any liability which may be incurred by him in respect of the death of or bodily injury to any person or damage to any property of a third party caused by or arising out of the use of a motor vehicle in a public place, would be liable to pay compensation to such third party or to his or her legal representatives as the case may be. S.95(1)(b)(ii) reads as under:-- "95.(1) In order to comply with the requirements of this Chapter, a policy of insurance must be a policy which -- (a) is issued by a person who is an authorised insurer or by a co-operative society allowed under S. 108 to transact the business of an insurer, and (b) insurers the person or classes of persons specified in the policy to the extent specified in sub-s. (2) -- (i) against any liability which may be incurred by him in respect of the death of or bodily injury to any person or damage to any property of a third party caused by or arising out of the use of the vehicle in a public place; (ii) against the death of or bodily injury to any passenger of a public service vehicle caused by or arising out of the use of the vehicle in a public place." In this behalf, my attention has been invited firstly to a decision of the Kerata High Court reported in 1973 A CJ 539 where it has been held in the case of K. G. Bhaskaran v. K. A. Thankamma that where a driver of the bus permitted his brother to drive the bus and the bus dashed against a coconut tree and caused injuries to a passenger, the act of the driver in entrusting his brother with the task of driving the vehicle-was an improper mode of performance of his own duty as a driver and he was thus acting within the scope of his employment though in an unauthorised mode. Hence, it was held that the owner was vicariously liable for the tort committed by the brother of the driver. 6. Secondly, in the case of Oriental Fire and General Insurance Co. Ltd. v. Surinder Kumar 1977 A CJ 501 the question that arose for consideration was whether the owner was vicariously liable where the cleaner of the vehicle while reversing truck ran over a foot of the boy injured. It was held that if the cleaner who was not in possession of a valid driving licence when he drove the truck for parking it aside, for taking it for repairs or for giving some relief to the driver, lie is deemed to have acted during the course of his employment and his employer is vicariously responsible for his acts. 7. 7. Thirdly, reliance was also paced on the decision of the Karnataka High Court in the case of Prabhavati v. Anton Francis Nazarath 1981 A CJ 445 : AIR 1981 Karn 74. That was a case of a driver allowing the cleaner to drive the vehicle which struck against the petitioner causing fracture of the left leg. On the question whether the owner was vicariously liable and so also the Insurer, the Karnataka High Court held in the affirmative because it will be a case of negligence on the part of the driver to allow an unauthorised person to drive in the course of his employment. 8. Fourthly, in the case of Guru Govekar Vs. Miss Filomena F. Lobo and Others, the Supreme Court had occasion to consider the question of vicarious liability of the owner where an independent contractor viz. the repairer, was having the custody of the vehicle. The owner had entrusted the vehicle to the repairer with instructions to carry out electrical repairs. A lady was knocked down by the vehicle while it was being reversed by the mechanic in the employment of the repairer. The Insurance Company disputed its liability on the ground that the vehicle had been entrusted to the repairer as an independent contractor and the mechanic attached to the garage of the repairer had taken out the vehicle for driving without the consent of the owner. On the question whether the Insurance Co. was liable to pay the compensation, the Supreme Court on a consideration of the relevant case law came to the conclusion as under: "While it may be true that under the law of Torts, the owner of a motor vehicle is, no doubt, not liable on the principle of vicarious liability to pay compensation to any third party who suffers any injury on account of the negligence of the employee of an independent contractor, who has taken the vehicle from the owner for his own (independent contractor's) use. The question involved in this case has, however, to be resolved in the light of the provisions of the Act." It was, therefore, held by the Supreme Court that (Para 9 and 13 of AIR) :-- "When the owner of a motor vehicle entrusts his vehicle to a repairer to carry out repairs he is in fact allowing the repairer to use his vehicle in that connection. It is also implicit in the said transaction that unless there is any contract to the contrary the owner of the vehicle also causes or allows any servant of the repairer who is engaged in the work of repairs to use the motor vehicle for the purpose of or in connection with the work of repairs and when such work of repair is being carried out in a public place if on account of negligence of either the repairer or his employee, who is engaged in connection with the work of repair, a third party dies or suffers any injury either to his person or property, the insurer becomes liable to pay the compensation by virtue of provisions of Ss. 94 and 95 of the Act. Once the insurer has issued a certificate of insurance in accordance with sub-s. (4) of S. 95 the insurer has to satisfy any decree which a person receiving injuries from the use of the vehicle insured has obtained against any persons insured by the policy." 9. In this behalf I may also usefully refer to the statement of law appearing at page 521 under the heading "176. The course of Employment" in the treatise by Salmond and Heuston on the Law of Torts, 19th Edition. The said statement of law is as under:-- "A master is not responsible for a wrongful act done by his servant unless it is done in the course of his employment. It is deemed to be so done if it is either (1) a wrongful act authorised by the master, or (2) a wrongful and unauthorised mode of doing some act authorised by the master. Although there are few decisions on the point, it is clear that the master is responsible for acts actually authorised by him : for liability would exist in this case, even if the relation between the parties was merely one of agency, and not one of service at all. But a master, as opposed to the employer of an independent contractor, is liable even for acts which he has not authorised, provided they are so connected with acts which he has authorised that they may rightly be regarded as modes -- although improper modes of doing them. In other words, as master is responsible not merely for what he authorises his servant to do, but also for the way in which he does it. In other words, as master is responsible not merely for what he authorises his servant to do, but also for the way in which he does it. If a servant does negligently that which he was authorised to do carefully, or if he does fraudulently that which he was authorised to do honestly, or if he does mistakenly that which he was authorised to do correctly, his master will answer for that negligence, fraud or mistake. On the other hand, if the unauthorised and wrongful act of the servant is not so connected with the authorised act as to be a mode of doing it, but is an independent act, the master is not responsible; for in such a case the servant is not acting in the course of his employment, but has gone outside of it." 10. Similarly, a reference may also be made to the following passage appearing at page 568 of the treatise by Winfield and Jolowciz on Tort, 13th Edition, under the heading "what is the course of employment?" "Unless the wrong done falls within the course of the servant's employment, the master is not liable. It may be asked, "How can any wrong be in the course of a servant's employment? No sane or law-abiding master ever hires a man to tell lies, give blows or act carelessly." But that is not what course of employment means. A wrong falls within the scope of employment if it is expressly or impliedly authorised by the master or is an unauthorised manner of doing something which is authorised, or is necessarily incidental to something which the servant is employed to do. Course of employment has supplanted scope of authority, but it contains no criteria to decide when or why an act is within or outside the scope of employment and no single test is appropriate to cover all cases. It is often an extremely difficult question to decide whether conduct is or is not within the course of employment as thus defined, and it would seen that the question is ultimately one of fact to be decided in the light of general principles." 11. Back home, a Division Bench of this Court has in the case of Indarjeet Singh and Co. Vs. Back home, a Division Bench of this Court has in the case of Indarjeet Singh and Co. Vs. Kamal Prakash Pawar and Others, held that if a driver of a vehicle had possession of the truck in the course of his employment and had handed over the ignition key to his brother and allowed him to drive the vehicle, which met with an accident, the owner would be vicariously liable since allowing his brother to drive the truck was a negligent act on the part of the driver in the course of his employment. The Division Bench of this Court observed as under (at p. 329 of AIR) :-- "The next question is whether the appellant can be saddled with vicarious liability having regard to the fact that the vehicle was, admittedly, driven by respondent No. 5 who, according to the appellant, was not in the employment of the appellant at the time of the accident nor had the appellant authorised respondent No. 6 to employ respondent No. 5 at the time of the accident. As far as the facts of the case are concerned, the Tribunal has rejected the evidence of respondent No. 5 that he was also serving as part-time driver with the appellant at the material time. The Tribunal, however, found on evidence that the possession of the truck used to remain with respondent No. 6 and it was respondent No. 6 who must have handed over the ignition key of the truck to respondent No. 5 or must have allowed respondent No. 5 to take away the ignition key from his house. The Tribunal held that the driving of the truck by respondent No. 5 was, therefore, with the permission of respondent No. 6 and that the truck being in possession of respondent No. 6 in the course of the employment of the appellant, the appellant-firm was liable, even though respondent No. 6 may not have been authorised by the appellant to hand over or allow respondent No. 5 to take the ignition key for driving the truck at the material time. As the unauthorised act on the part of respondent No. 6 was during the course of his employment with the appellant, the latter was held to be vicariously liable for the negligence of respondent No. 6 in handing over the truck in the possession of respondent No. 5." Further, in para 13 of the Judgment, at page 138 (of ACC CJ) : (at p. 330 of AIR) of the Report, the Division Bench observed as under :-- "In the present case, the evidence clearly establishes that the possession of the truck was allowed by the appellant to remain with respondent No. 6. The possession of the truck by respondent No. 6 at the material time, therefore, was in the course of the employment. If that be so, the handing over of the ignition key by respondent No. 6 to respondent No. 5 or respondent No. 6 allowing respondent No. 5 to take charge of the truck amounted to negligent act on the part of respondent No. 6 in the course of employment, it is, therefore, not possible to accept the contention of learned counsel that the unauthorised act on the part of respondent No. 6 was not in the course of his employment or that the accident had not occurred while the truck was being driven by respondent No. 5 in the course of employment. Once it is found on (he facts of the case that the wrongful act committed by respondent No. 6 was during the course of employment then it follows that the appellant cannot escape the vicarious liability." 12. In this view of the matter, once it is held that u/s 95(1)(b)(ii) of the Motor Vehicles Act 1939 the insurer insures the person or classes of persons specified in the policy to the extent specified in sub-s. (2) against the death of or bodily injury to any passenger of a public service vehicle caused by or arising out of the use of the vehicle in a public place, it would follow that independently of the question as to whether defendant No. 1 was actually in the employment of defendant No. 2, defendant No. 2 would still be liable under the provisions of the Act. In my opinion, therefore, even if the findings on Issue No. 4 -- were to be correct as recorded by the learned trial Judge (which finding, I have held to be erroneous), the legal position would be that defendant No. 2 would be liable to pay the damages to the plaintiff by virtue of the provisions of S. 95(1)(b)(ii) of the Act. Once, it is held that defendant No. 2 is liable under S. 95(1)(b)(ii), it would logically follow that the 3rd defendant insurer would also be liable. 13. However, the controversy would not end here. Once it is held that defendant No. 2 would be liable under S.95(1)(b)(ii), such liability would be to the extent specified in the policy as per sub-section (2) of S. 95. Section 95(2), as it then stood, read as under:-- "(2) Subject to the proviso to sub-section (1), a policy of insurance shall cover any liability incurred in respect of any one accident upto the following limits, namely -- (a) where the vehicle is a goods vehicle, a limit of (one lakh and fifty thousand rupees) in all, including the liabilities, if any, arising under the Workmen's Compensation Act, 1923 (8 of 1923), in respect of the death of, or bodily in jury to, employees (other than the driver), not exceeding six in number, being carried in the vehicle;) (b) where the Vehicle is a vehicle in which passengers are carried for hire or reward or by reason of or in pursuance of a contract of employment-- (i) in respect of persons other than passengers carried for hire or reward, a limit of fifty thousand rupees in all; (ii) in respect of passengers, a limit of ten thousand rupees for each individual passenger;)" Mr. Vidyarthi, the learned counsel appearing for the 3rd respondent, Insurance Co., has, therefore, contended that in any case the liability of the Insurance Co., would not exceed the amount of Rs. 10,000/-, which is the limit specified in the policy in accordance with the provisions of S. 95(2)(b)(ii), quoted above. In support of this contention, Mr. Vidyarthi has invited my attention to the decision of this Court in the case of Marine and General Insurance Co. Ltd. and Others Vs. Balkrishna Ramchandra Nayan, (for short, Dr. Nayan's case). 10,000/-, which is the limit specified in the policy in accordance with the provisions of S. 95(2)(b)(ii), quoted above. In support of this contention, Mr. Vidyarthi has invited my attention to the decision of this Court in the case of Marine and General Insurance Co. Ltd. and Others Vs. Balkrishna Ramchandra Nayan, (for short, Dr. Nayan's case). Before dealing with the facts of the said case, it must be mentioned that, admittedly, in the present case there is no plea taken in the written statement as far as this aspect is concerned. The Policy has also not been produced on record. This is conceded by Mr. Vidyarthi. appearing for the Insurance Co. However, he relied upon the observations of the Division Bench, in the above referred case of Dr. Nayan which observations appear in para 65, at pages 303 & 304 (of ACC CJ) : (Paras 65 and 65 at pp. 65-66 of AIR) of the Report, as under :-- "65. As can be seen from the record and particularly the rozanama, no point appears to have been raised on behalf of the insurance company to limit the liability under the policy to Rs. 20,000/- by Mr. J. M. Patel, who filed the written statement on behalf of the opposite parties. The policy is not before us. Not only that but when Mr. Gumaste, who filed the appeal on behalf of all the opposite parties, the appellants, raised this point, Mr. Patel, who was present in the Court interrupted and said that it was the practice or convention of the insurance companies not to raise such a point before the Tribunal if the insurance company represented the assured, as in the present case. Mr. Patel therefore contended that the insurance company should not be allowed to raise this point for the first time before us on behalf of appellants Nos. 2 and 3 before us as he had filed his vakalatnama before the Tribunal. In the absence of any vakalatnama filed by Mr. Patel on behalf of appellants Nos. 2 and 3, it is not open to us to take into consideration his submission on their behalf. On behalf of Dr. Nayan, the claimant, Mr. Hattangadi submits that the insurance company should not be allowed to raise the point of limiting the liability to Rs. Patel on behalf of appellants Nos. 2 and 3, it is not open to us to take into consideration his submission on their behalf. On behalf of Dr. Nayan, the claimant, Mr. Hattangadi submits that the insurance company should not be allowed to raise the point of limiting the liability to Rs. 20,000/- for the first time in this Court as they have not raised a contention in the written statement filed before the Tribunal that the policy did not cover the entire liability which the assured may incur under the award." However, the High Court observed in para66 as under: "66. There is considerable force in the argument of Mr. Hattangadi. But having regard to the fact that Mr. Patel represented the assured as well as the insurance company in the lower Court, it may be that as the contention of liability available to the insurance company under S. 95(2) was not raised before the Tribunal, in fairness, an opportunity should be given to the insurance company to raise such a point if it is open to it at a law to do so subject to the payment of costs and also subject to depositing the amount which according to them are payable under the award, viz. Rs. 20,000/- with interest from the date of the application as awarded by the Tribunal." Finally, in para 67 & 68 the High Court observed as under :-- "67. If and when the certificate of execution is to be issued by the Tribunal under S. 110-E of the Motor Vehicles Act, the question may be raised by the insurance company. At present we are not bound to interfere with the award of the Tribunal. There was no material or argument before the Tribunal about it. There was nothing before the Tribunal to show that the insurance company's liability was limited to Rs. 20,000/-." "68. In the result, I would confirm the award and dismiss the appeal subject to the modification that it is open to the insurance company -- appellant No. 1 to deposit Rs. 20,000/- with interest from the date of the application to the date of the deposit as per the award passed by the Tribunal and contend that the award is binding under S. 95(2) of the Motor Vehicles Act but only to the extent of Rs. 20,000/- with interest from the date of the application to the date of the deposit as per the award passed by the Tribunal and contend that the award is binding under S. 95(2) of the Motor Vehicles Act but only to the extent of Rs. 20,000/- or the sum which may be mentioned in the insurance policy." 14. Mr. Vidyarthi then relied upon the decision of the Supreme Court in the very case of Dr. Nayan, which Supreme Court decision is Minu B. Mehta and Another Vs. Balkrishna Ramchandra Nayan and Another. The directions given by the High Court are referred to in para 11 (of ACC CJ) : (Para 10 of AIR) of the Supreme Court decision as under :-- "11. Regarding the quantum of damages the High Court expressed its opinion that the Tribunal had made best efforts and tried to determine the compensation in a just manner on the facts and circumstances of the case. It confirmed the amount as awarded by the Tribunal and dismissed the appeal. The High Court dismissed the appeal of the owners and the insurance company and confirmed the award passed by the Tribunal. But it gave liberty to the insurance company to apply to the Claims Tribunal on depositing Rs. 20,000/ - with interest from the date of the application to the date of the deposit for determination of the question that the liability of the insurance company is limited only to Rs. 20,000/-. The High Court directed the Tribunal to decide the question of the liability of the insurance company on its application under S. 110-E after giving opportunity to the parties to put forward their cases. The insurance company was directed to pay the costs of all the parties. It also provided that the claimant was at liberty to withdraw Rs. 20,000/- with interest when deposited by the insurance company. The order also made it clear that the right of the applicant to recover the balance of the awarded amount from the other party or from the insurance company will not in any way be affected." 15. After dealing with the rival contentions, the Supreme Court finally observed in Para 19, at page 124 (of ACC CJ) : (Para 18 at p. 1254 of AIR) of the Report as under : "19. After dealing with the rival contentions, the Supreme Court finally observed in Para 19, at page 124 (of ACC CJ) : (Para 18 at p. 1254 of AIR) of the Report as under : "19. We have now to consider the direction given by the High Court regarding the determination of the liability as between the insurance company and the owners. The owners and the insurance company were represented by the same counsel before the Tribunal and before the High Court the learned counsel on behalf of the insurance company pleaded that its liability is limited to Rs. 20,000/- only. The High court has given liberty to the insurance company to apply on depositing Rs. 20,000/- with interest as directed for determination of the question that the liability of the insurance company is limited to Rs. 20,000/-. The High Court also directed the Tribunal to decide the liability of the insurance company on the insurance company filing such an application after giving notice to all the parties. The insurance company has not appealed against the judg ment and decree of the High Court and we see no reason for interfering with the order. On the insurance company complying with the directions of the High Court by depositing Rs. 20,000/- with interest as specified the matter will be remitted to the Tribunal for determination of the question whether the liability of the insurance company is limited to Rs. 20,000/- only. It is made clear that so far as the award made in favour of the applicant/respondent is concerned he will be at liberty to proceed against the owners as well as the insurance company jointly and severally. With these directions the appeal is dismissed with the cost of the first respon dent." 16. However, it appears that Dr. Nayan's case did not rest at that. When an application was made before the Tribunal for apportionment as per the directions given by the High Court, and confirmed by the Supreme Court, as referred to above, a contention was raised before the Tribunal as to whether the question of determination of liability of a party and recovery of excess thereon paid by him under an award is a question which can be determined by the Tribunal under S. 110-E read with S. 110-F of the Motor Vehicles Act, 1939. The matter came up to the High Court again and the decision is : AIR1982 Bom 277 therein the view taken was that such a question had to be determined by the Tribunal and that the jurisdiction of the Civil Court was barred. After setting out the entire course of events, leading to the direction given by the High Court in P. Sarojam Vs. L.I.C. of India, as confirmed by the Supreme Court in Minu B. Mehta and Another Vs. Balkrishna Ramchandra Nayan and Another, the Division Bench in : AIR1982Bom277 (Dr. Nayan's case) came to the conclusion as under (at p. 280 of AIR) :-- "13. In our view, upon an interpretation of the said directions of this Court in the appeal and of the Supreme Court, the Tribunal was obliged to determine the liability of the appellants and to employ the provisions of S. 110-E to recover the excess amount paid by the appellants under the award from the respondents 2 and 3. Any quarrel with the employment of these provisions for this purpose should have been raised by the respondents 2 and 3, not before the Tribunal, but before this Court in the appeal or before the Supreme Court when it endorsed this Court's directions. This is sufficient to allow the appeal." This Court further observed in Para 15 of the Judgment : AIR1982Bom277 as under :-- "15. It will be observed that the Tribunal is required in making the award to specify the amount to be paid thereunder by the insurer, the owner and the driver of the vehicle involved. Apportionment of liability between them is a function of the Tribunal and the apportionment is a part of the award. The recovery of the amount paid in excess of its liability by one opposite party from another opposite party is, then, the recovery of moneys due under an award and section i 10-E refers to moneys due from any reason under an award. It is, therefore, not correct to say, as the Tribunal did, that the Tribunal does not have the power to issue a certificate under S. 110-E to recover moneys due by one opposite party from another opposite party." I am in respectful agreement with the view expressed by our court in the Judgment : AIR1982Bom277. 17. In the view which I am taking though defendants Nos. 17. In the view which I am taking though defendants Nos. 1, 2 & 3 are liable, jointly and severally, to pay to the plaintiff an amount of Rs. 25,000/- as claimed by him, it would be in the interest of justice necessary to permit the 3rd defendant. Insurance Co., to raise the question of the extent of liability of the Insurance Company being restricted to Rs. 10,000/- only in view of the provisions of S. 95(2)(b)(ii), quoted above. Needless to say, i as observed by this Court in Marine and General Insurance Co. Ltd. and Others Vs. Balkrishna Ramchandra Nayan, which directions were confirmed by the Supreme Court in Minu B. Mehta and Another Vs. Balkrishna Ramchandra Nayan and Another, that when the Insurance Company raises such an issue before the Tribunal, it would be first required to make a deposit of the amount of Rs. 10,000/- to which extent the liability would be an admitted liability. In Dr. Nayan's case before the Supreme Court since the liability to the extent of Rs. 20,000/- (as this section then stood) was admitted, the Insurance Co., was given permission to raise the issue before the Tribunal on its making a deposit of Rs. 20,000/-. It would, therefore, logically follow in the light of the directions given by the Supreme Court, while confirming the direction given by the High Court in Dr. Dayan's case, that as far as the present case is concerned the 3rd defendant, Insurance Co., should be permitted to raise before the trial Court the question of the extent of its liability on its making a deposit of Rs. 10,000/- in the trial Court. 18. In this view of the matter, the First Appeal succeeds. The impugned Judgment and Decree dated 8th August 1981 is set aside and in its place the following decree is passed :-- (i) The plaintiff's suit for compensation for an amount of Rs. 25,000/- (Rs. Twenty Five Thousand only) is decreed against defendant Nos. 1, 2 and 3. Defendants Nos. 1, 2 & 3 are held jointly and severally liable to pay to the plaintiff the amount of Rs. 25,000/- with interest at the rate of 6% per annum on the said amount of Rs. 25,000/- from the date of the suit till the amount is realised. (ii) Defendant No. 3 will pay the costs of the suit and bear his own. 25,000/- with interest at the rate of 6% per annum on the said amount of Rs. 25,000/- from the date of the suit till the amount is realised. (ii) Defendant No. 3 will pay the costs of the suit and bear his own. (iii) Defendant No. 3 to deposit in the trial Court and in this Court the proportionate Court-fee stamp within 6 weeks from the date of the decree, failing which the matter may be referred to the Collector, Thane. (iv) Defendant No. 3 to pay the costs of the appellant in this Appeal. (v) Defendant No. 3 is permitted to raise before the trial Court the issue of the extent of its liability u/s 95(2) of the Motor Vehicles Act, 1939, subject to the condition of deposit, as indicated above. (vi) The First Appeal is allowed. 19. Appeal allowed.