Judgment : Second respondent is the appellant. 2. Petitions in his petition contends as follows: the petitioner was crossing the village road from east to west on 17. 1981. The van bearing registration No.TMZ-1733 belonging to the first respondent and insured with the second respondent proceeding from north to south came at a high speed and hit at the petitioner causing grievous injuries to him. The acci-dent was due to the rash and negligent driving of the van by its driver. The petitioner therefore makes a claim for a sum of Rs.40,000. The petition was subsequently amended and the compensation claimed was Rs.one lakh in the amended petition. 3. The second respondent in their counter contends as follows: On 17,7.1981 at about 6.30 p.m. when the vehicle TNZ-1733 was nearing the ‘Queens Hotel’ on Village Road, a man who was fully drunk suddenly started running from east to west. The driver on seeing the man, applied the brake and stopped the car. But, the man hit at the van and fell down. He was responsible for the accident and there was no negligence on the part of the driver. The injury caused is also simple. 4. In the additional counter, the respondent has contended as follows: The claim made by the petitioner is exaggerated. The petitioner has not disclosed the nature of disability pleaded by him. The application for enhancement of compensation is belated. 5. On the above pleadings, the Motor Accidents Claims Tribunal held an enquiry and gave a finding that the accident was due to the rash and negligent driving of the van by its driver and awarded a total compensation of Rs.94,850 in favour of the petitioner payable by the second respondent. 6. Aggrieved the same, the second respondent has came forward with this appeal. 7. In this Court, the second respondent has filed C.M.P. No.164 of 1977 for reception of additional document contending as follows: Being an ‘Act policy’ taken by the insured, the second respondent covers the third party risk to the extent of Rs.50,000 only. Originally, the petition was filed for Rs.40,000. Later, the claim was revised to Rs.1,00,000. The com-pany was not in a position to produce the policy at the time of the trial./ The question that arises for consideration being the liability of the insurance company, it is necessary to look into the policy and the petitioner is filing the policy. Originally, the petition was filed for Rs.40,000. Later, the claim was revised to Rs.1,00,000. The com-pany was not in a position to produce the policy at the time of the trial./ The question that arises for consideration being the liability of the insurance company, it is necessary to look into the policy and the petitioner is filing the policy. It may be received. 8. The respondent in his counter contends as follows: The injured sustained injuries in the road accident on 17. 1981 and has become insane. The next friend has filed the claim application for Rs.one lakh. The tribunal has awarded Rs.94,850. The insurance company has filed a counter as well as additional counter before the tribunal. It has not taken a plea stating that the liability of the appellant was limited to Rs.50,000. They have not produced the insurance policy. The application is belated and it has to be dismissed. 9. The point that arises for consideration in the appeal is whether the liability of the appellate viz., insurance company is limited to Rs.50,000. The point that arises for consideration in C.M.P. No.164 of 1997 is whether the appellant is entitled to an order for reception of the policy in respect of the vehicle involved in the accident as additional evidence. Since both the points relate to the liability of the insurance company they are taken together. 10. The learned counsel appearing for the appellant-petitioner would argue that before the tribunal, the insurance company has not filed the policy of insurance since it was under the impression that the insured will produce the policy and the tribunal, without considering the liability of the insurance company, as per Sec.95 of the Act, has fastened the entire liability of the insurance company and in this appeal, the appellant is only questioning their liability and to establish that their liability is only Rs.50,000, the reception of the policy of insurance is necessary and therefore, the C.M.P. No.164 of 1997 has to be ordered and in pursuance of me same, the appeal has to be allowed. The learned counsel appearing for the appellant also relies upon certain decisions in support his case. 11. The learned counsel appearing for the appellant also relies upon certain decisions in support his case. 11. According to the learned counsel appearing for the appellant, the decision reported in New India Assurance Company Ltd. v. Thankamma, 1991 A.C.J. 499, lays down that where in a case where the insurance company pleaded that it bona fidely believed that the owner would produce the policy but deliberately refrained from producing it to the prejudice of the insurance company, the policy can be admitted in appeal in spite of the objection by the owner to the production of the copy of the policy contending that none of the conditions laid/down in 0.41, Rule 27, C.P.C. is satisfied. The learned counsel would contend that where the liability of the insurance company is limited as per the statute, and before the tribunal mulcted the entire liability of the insurance company, copies of the policy of the insurance can be admitted in the appeal as it is required for a fair, just and proper disposal of the appeal. The learned counsel appearing for the appellant also relies upon the decision reported.in New India Assurance Company Ltd. v. Pathu, 1992 A.C.J. 877 and would contend that though the insurance company was at fault in not producing the copy of the policy at the time of the filing of the written statement before the tribunal, the Division Bench of the Kerala High Court has observed that they are inclined to allow the petition, particularly because, the owner of the lorry who had the original policy and has a bounden duty to produce it did not produce the policy. The learned counsel also referred to the decision reported in New India Assurance Company Ltd. v. Annakutty, 1994 A.C.J. 34, wherein it has been laid as follows: “The mere fact that the appellant insurer was imprudent or was less circumspect in not producing the true copy of the policy before the claims tribunal or that the defect was realised only later and pointed out by a party, will not cater this Court from invoking the provisions of O.41, Rule 27(l)(b) of the Code of Civil Procedure, if in the interests of justice, this Court is satisfied that the powers vested in this Court under the said provision should be invoked.” 12. The learned counsel appearing for the respondent would contend that there cannot be two opinions about the reception of the policy of insurance as additional document in the appellate court if the insurer failed to produce the same before the tribunal and tile insurer is entitled to exhibit the same as additional evidence, if the insurer had taken a stand before me tribunal that their liability is limited, as per the statute and that in the decisions relied by the learned counsel for the appellant, the insurance company has taken a defence mat their liability is limited as per the statute and that in the case on hand both the counter and in me additional counter, me insurance company has not taken a stand mat their liability is limited to the extent of Rs.50,000 and therefore, the appellant is not entitled to exhibit the policy of insurance issued to the vehicle in question as additional exhibit in this Court. In support of his contention, me learned counsel appearing for the respondent relies upon the decision reported in Sudha Bahri v. SarvjitSingh, 1986 A.C.J. 1103, wherein it has been held that in a case where the insurance company contended that me claimants failed to plead mat me liability of the insurance company exceeded the statutory limits and the insurance company failed to raise a plea regarding me limit of liability and me policy also was not placed on record, me liability of the insurance company is not limited as per the statute and it is liable for the entire amount awarded. In the above decision, it has also been held that where the insurance company seeks to raise a plea of limit of its liability by amending me written statement and delay in seeking the amendment is not explained, it would be unjust to deprive claimants of a valuable right of recovery from insurance company by allowing amendment so belatedly and that courts have wide discretion in me matter of amendment of pleadings, but mat discretion is to be exercised judiciously to do substantial justice and avoid injustice. In me above decision it has also been held that whether the insurance company is sought permission to adduce additional evidence to place on record the policy of insurance in order to prove limit of its liability, the insurance company cannot be allowed to do so because it permitted, it would enable one of the parties to remove a lacuna in presenting its case at the proper stage or to fill up in its evidence. In the case on hand also, the insurer has not taken a plea in the counter and in the additional counter mat their liability is only Rs.50,000 as per the statute/Even in this appeal, the appellant has not taken any attempt to amend the pleadings, viz., the counter filed by them in such a way that they are questioning the liability of the insurance company. As it is, as per the counter the liability of the insurance company has not been challenged, but the appellant wants to file an insurance policy as additional document, by filing a civil miscellaneous petition. I am of opinion that if permitted, it would only enable the appellant to remove the lacuna in presenting its case and fill up gap in its evidence as observed in the decision reported in Sudha Bahri v. Sarvjit Singh, 1986 A.C.J. 1103. 13. I only wish to refer to the decision reported in National Insurance Company Ltd., v. Jugal Kishore, 1988 A.C.J. 270, wherein the Supreme Court has observed in paragraph 9 as follows: “9. Before parting with the case, we consider it necessary to refer to the attitude often adopted by. the insurance companies, as was adopted even in mis case of not filing a copy of the policy before the tribunal even before the High Court in appeal. In this connection what is of significance is that the claimants for compensation under the Act are invariably not possessed of either the policy or a copy thereof. This Court has consistently emphasised that it is the duty of the party which is in possession of a document which would be helpful in doing justice in the cause to produce the said document and such party should not be permitted to task shelter behind the abstract doctrine of burden of proof. This Court has consistently emphasised that it is the duty of the party which is in possession of a document which would be helpful in doing justice in the cause to produce the said document and such party should not be permitted to task shelter behind the abstract doctrine of burden of proof. This duty is greater in the case of instrumentalities of the state such as the appellant who are under an obligation to act fairly. In many cases even the owner of the vehicle for reasons known to him does not choose to produce the policy or a copy thereof. We accordingly wish to emphasise that in all such cases where the insurance company concerned wishes to take a defence in a claim petition that its liability is not in excess of the statutory liability it should file a copy of the insurance policy along with its defence. Even in the instant case had it been done so at the appropriate stage necessity of approaching this Court in civil appeal would in all probability have been avoided. Filing a copy of the policy, therefore, not only cuts short available litigation but also helps the court in doing justice between the parties. The obligation on the part of the state or its instrumentalities to act fairly can never be over emphasised”. I wish to point out that their lordship of the Supreme Court have observed that they wish to emphasise that in all such cases where the insurance company concern wishes to take a defence in a claim petition that its liability is not in excess of the statutory liability it should file a copy of the insurance policy along with its defence. In the present case, as per the pleadings of the insurance company before the tribunal as its stands today, the Insurance company had not expressed any desire to take a defence in this claim petition that its liability is not in excess of the statutory liability. In other words, the defence of the appellant to the claim petition as per the pleadings filed by them is not one questioning the liability. Therefore, enabling the appellant insurance company to file the policy of insurance to prove a case which is not pleaded by them by allowing the civil miscellaneous petition cannot be ordered by this Court judiciously to do substantial justice and avoid injustice. Therefore, enabling the appellant insurance company to file the policy of insurance to prove a case which is not pleaded by them by allowing the civil miscellaneous petition cannot be ordered by this Court judiciously to do substantial justice and avoid injustice. Allowing the civil miscellaneous petition would only able the appellant to remove me lacuna in presenting its case at the proper stage and allowing it to fill up the gap in its evidence. Therefore, I am opinion that petition in C.M.P. No.164 of 1997 cannot be ordered as prayed for by the petitioner, for reception of the insurance policy and enabling the appellant to exhibit the insurance policy as an additional document. 14. Since the appeal itself is only with regard to the liability of the appellant, in view of the dismissal of the C.M.P. No.164 of 1997 there is no merits in the appeal and the appeal is liable to be dismissed. 15. In the result, the appeal and C.M.P. No.164 of 1997 are dismissed. No costs.