( 1 ) THANTHAI Periyar Transport Corporation, Villupuram ("the Transport Corporation"), aggrieved by the common award dated 16. 09. 1997 passed by the Motor Accident Claims Tribunal (District Court, Tiruvannamalai) ("the Tribunal") in M. C. O. P. Nos. 466 of 1995 and 527 of 1995, has preferred the above Civil Miscellaneous Appeals. ( 2 ) IN respect of death one Kannan in a motor accident on 20. 02. 1995, his parents, brother and sisters have filed M. C. O. P. No. 466 of 1995 and his wife and minor children have filed M. C. O. P. No. 527 of 1995 before the Tribunal seeking compensation of Rs. 7. 50 lakhs and Rs. 7. 00 lakhs respectively. ( 3 ) ACCORDING to the respondents/claimants in both the appeals, when the deceased Kannan was walking in Anna Salai in Tiruvannamalai, he was dashed by a bus bearing Registration No. TN-32-0245 belonging to the Transport Corporation which was driven in a rash and negligent manner and in the said accident, the deceased sustained serious injuries and died on the spot. It is their case that the deceased who was aged 39 years, was a graduate teacher in a Panchayat school, drawing a monthly salary of Rs. 3,510/ -. ( 4 ) ON the other hand, the Transport Corporation filed a counter statement contending that the alleged accident occurred only due to the careless and negligent act of the deceased who is solely responsible for the alleged accident. Further, the Transport Corporation contended that its bus was not involved in the said accident and it questioned the age and income of the deceased and the dependency factor of the claimants. According to the Transport Corporation, the deceased is a sick person and on several occasions, he had attempted to commit suicide and he was not a fit person, both physically and mentally to do any work. ( 5 ) ON the side of the claimants, the wife of the deceased, an eye-witness to the accident by name Manikkam and the father of the deceased were examined as P. W. 1 to P. W. 3 respectively and 10 documents were marked to substantiate their claim. On the side of the Transport Corporation, the driver of the bus in question was examined as R. W. 1 and a judgment of C. C. No. 115/1995 was marked as Ex. R. 1. On the side of the Transport Corporation, the driver of the bus in question was examined as R. W. 1 and a judgment of C. C. No. 115/1995 was marked as Ex. R. 1. ( 6 ) THE Tribunal, after analyzing the oral and documentary evidence, came to the conclusion that the accident had occurred only due to the rash and negligent driving of the driver of the bus belonging to the Transport Corporation and fixed the compensation as Rs. 5,40,000/-, the break up being Rs. 1,40,000/- payable to the parents, brother and sisters of the deceased and Rs. 4,00,000/- payable to the wife and minor children of the deceased, with interest at the rate of 9% per annum from the date of petition till the date of deposit. ( 7 ) BEFORE this Court, the learned counsel for the appellant Transport Corporation has put forward two-fold submission, namely, that the accident took place only because of the negligence on the part of the deceased and that the Tribunal has erred in fixing a compensation of Rs. 5,40,000/- payable to the claimants. ( 8 ) IT is seen that P. W. 2 by name Manikkam, an independent witness, has deposed that when the deceased was walking on the left side of the road, the bus belonging to the Transport Corporation, driven in a rash and negligent manner, dashed against the deceased in which impact, the deceased sustained serious injuries and died on the spot. Further, in his cross-examination, he has deposed that he is working as a 'master' in the tea stall near the scene of occurrence and he has seen the accident at a distance of about 15' and around 75 persons who were in the tea stall also witnessed the accident. ( 9 ) ON the other hand, R. W. 1 has deposed that near Periyar Statue, he saw two persons stumbling to walk and he stopped the bus immediately and thereafter, those two stepped into the bus and while so, one of them fell down. It is his further deposition that only on information from the persons in the tea stall, he had seen the person who had sustained injuries and died and as such, he is not the cause for the accident. It is his further deposition that only on information from the persons in the tea stall, he had seen the person who had sustained injuries and died and as such, he is not the cause for the accident. ( 10 ) BASED on the oral and documentary evidence, the Tribunal has come to the conclusion that the accident occurred only due to the rash and negligent driving of the bus driver and accordingly, fixed the negligence on the part of the bus driver. In my considered view, the circumstances under which the accident took place and more particularly, the evidence of an independent eye-witness to the accident, would rather persuade this Court to come to the conclusion that the accident took place only due the rash and negligent driving of the bus driver. Accordingly, the negligence fixed on the part of the bus driver is confirmed. ( 11 ) NEXT, let me proceed to consider whether the claimants in MCOP No. 466 of 1995 are the dependents of the deceased. To substantiate that they are the dependents of the deceased, they have marked Ex. P. 8, the legal heir certificate. It is not in dispute that the claimants in MCOP No. 527 of 1995 are the wife and children of the deceased. As far as MCOP No. 466 of 1995 is concerned, the claimants have joined with the wife and children of the deceased in claming compensation and their claims have not been resisted by the wife and children of the deceased. Therefore, the Tribunal has decided that the claimants in MCOP No. 466 of 1995 are the dependents of the deceased since the deceased had supported them during his life-time. In such a view of the matter and in the absence of any conflicting evidence to disprove the dependency factor, I confirm the finding of the Tribunal that the claimants in MCOP No. 466 of 1995 also are the dependents of the deceased. ( 12 ) THE last point to be decided in these appeals is that whether there is any point to interfere with the award of the Tribunal. Taking the age of the deceased as 39 years which is corroborated by Ex. P. 3, the post-mortem certificate and the evidence of P. W. 3 and his income as Rs. 3,510/- based on Ex. Taking the age of the deceased as 39 years which is corroborated by Ex. P. 3, the post-mortem certificate and the evidence of P. W. 3 and his income as Rs. 3,510/- based on Ex. P. 9, the Salary Certificate and considering the fact that he was left with 19 years of service, the Tribunal has proceeded to apply the multiplier of 19 and determined the loss of income as Rs. 8,00,280/- (Rs. 3,510 x 12 x 19) and after deducting Rs. 2,66,760/- being one-third for his personal expenses had he been alive, arrived at a sum of Rs. 5,33,520/- towards pecuniary damages and further awarded Rs. 6,480/- towards funeral expenses and in total, awarded a sum of Rs. 5,40,000/ -. This sum has been apportioned by the Tribunal as Rs. 1,40,000/- to the claimants in MCOP No. 466 of 1995 and Rs. 4,00,000/- to the claimants in MCOP No. 527 of 1995. ( 13 ) THE learned counsel for the appellant Transport Corporation has strenuously argued that the multiplier applied is on the higher side and in support of his contention, he has relied on a decision of the Supreme Court reported in 2005 (4) Supreme 87 in the case of Tamil Nadu State Transport Corporation Limited Vs. Rajapriya and Others wherein the multiplier of 12 has been applied in respect of death of a 38 year old person. ( 14 ) IN response to the above contention of the counsel for the appellant Transport Corporation, the counsel for the respondents has relied on a decision of the Supreme Court reported in (1996) 4 SCC 362 in the case of U. P. State Road Transport Corporation and Others Vs. Trilok Chandra and Others wherein, it was observed as under: (Para 18)". . . To put it briefly, the table abounds in such mistakes. Neither the Tribunals nor the Courts can go by the ready reckoner. It only be used as a guide. Besides, the selection of multiplier cannot in all cases be solely dependant on the age of the deceased. For example, if the deceased, a bachelor, dies at the age of 45 and his dependants are his parents, age of the parents would also be relevant in the choice of the multiplier. But these mistakes are limited to actual calculations only and not in respect of other items. For example, if the deceased, a bachelor, dies at the age of 45 and his dependants are his parents, age of the parents would also be relevant in the choice of the multiplier. But these mistakes are limited to actual calculations only and not in respect of other items. What we propose to emphasise is that the multiplier cannot exceed 18 years' purchase factor. . . . " ( 15 ) FURTHER, the Trilok Chandra's case cited supra has been quoted in the decision reported in 2004-4-L. W. 20 in the case of Fakeerappa and another Vs. Karnataka Cement Pipe Factory and others in which it was observed as under: (paras 5 and 6)"it is contended that the multiplier of 43 applied by the Tribunal is erroneous. In this connection, the learned counsel for the appellant had referred to the decision of this Court in U. P. State Road Transport Corporation Vs. Trilok Chandra, (1996) 4 SCC 362 =1996-2-L. W. 266, wherein this Court has held that the multiplier should not be more than 18. The Tribunal while applying the 43 multiplier had considered the age of the deceased being 27 years old and if he had not died in the accident he would have lived upto the age of 70 years and one day he would have been promoted to the post of Chief Engineer. Keeping the aforesaid background in view, the High Court was of the view, that if the multiplier is reduced and multiplicand is enhanced not much difference would be caused to the amount fixed by the Tribunal. Even otherwise it is a trite law that the Insurance Company is not capable to challenge the quantum of compensation. Insurance is a covenant of good faith where both parties are covenanted to abide by the terms and conditions of the policy. In the premises aforesaid, it is clear that the Company has made a deliberate attempt to escape the liability by introducing a copy of the policy other than the insured. Often, the terms and conditions are being respected more in breach than observance. Insurance Company must bear in mind that they are the trustee of the public. Keeper of the public coffer. Often, even genuine claims are being hotly contested in a routine manner by dragging the parties to courts, wasting enormous time and money for the claimants to get their claims settled. Insurance Company must bear in mind that they are the trustee of the public. Keeper of the public coffer. Often, even genuine claims are being hotly contested in a routine manner by dragging the parties to courts, wasting enormous time and money for the claimants to get their claims settled. The Act like Motor Vehicles Act being a beneficial legislation aimed at quick redressal of the victims of accident arising out of the use of motor vehicles, the attitude routinely adopted by the insurance company would render the object of the Act frustrated. If such instances are brought to the court, the court would be obliged to dismiss the appeal with heavy costs apart from deprecating such practices. " ( 16 ) A careful reading of the above decisions of the Supreme Court would reveal that besides the age of the victim, the age of the claimants also may be taken into consideration to select the multiplier to reach a just and fair compensation, based on the facts and circumstances of each case. ( 17 ) FURTHER, the Supreme Court in its decision reported in (2005) 10 SCC 720 in the case of New India Assurance Company Limited Vs. Charlie and Another, has observed as under: (paras 20 and 21)"in both Susamma Thomas and Trilok Chandra cases, the multiplier appears to have been adopted taking note of the prevalent banking rate of interest. In Susamma Thomas case, it was noted that the normal rate of interest was about 10% and accordingly, the multiplier was worked out. As the interest rate is on the decline, the multiplier has to consequentially be raised. Therefore, instead of 16, the multiplier of 18 as was adopted in Trilok Chandra case appears to be appropriate. In fact, in Trilok Chandra case, after reference to the Second Schedule to the Act, it was noticed that the same suffers from many defects. It was pointed out that the same is to serve as a guide, but cannot be said to be an invariable ready reckoner. However, the appropriate highest multiplier was held to be 18. the highest multiplier has to be for the age group of 21 years to 25 years when an ordinary Indian citizen starts earning independently and the lowest would be in respect of a person in the age group of 60 to 70 which is the normal retirement age. However, the appropriate highest multiplier was held to be 18. the highest multiplier has to be for the age group of 21 years to 25 years when an ordinary Indian citizen starts earning independently and the lowest would be in respect of a person in the age group of 60 to 70 which is the normal retirement age. " ( 18 ) IN the above decision of the Supreme Court where the victim was a married person, aged 37 years, deriving income from agriculture, the multiplier that was applied was 18. In the instant case, the deceased is a person aged 39 years and as per Schedule II to Section 163-A of the M. V. Act, the proper multiplier is only 16. The aspects that the wife of the deceased was aged 25 years at the time of accident and his minor children, brother and sisters were also of young age have been taken into account while selecting the multiplier, as indicated by the Supreme Court in the Trilok Chandra case and accordingly, the Tribunal has applied the multiplier of 19. But, in my view, even while taking into account the age of the claimants, as per the rulings of the Supreme Court cited supra, the multiplier over and above 18 should not be selected. Therefore, I am of the opinion, the Tribunal has gone wrong in selecting the multiplier of 19 and it ought to have applied only the multiplier of 18 and thus, the pecuniary damages is arrived at Rs. 5,05,440/- (Rs. 3,510/- x 12 x 18 ). ( 19 ) FURTHER, the learned counsel for the respondents in CMA No. 307 of 1995 has argued that in case of fatal accidents, as per the rulings of the Supreme Court, a certain sum has to be awarded under the heads of loss of consortium and loss of love and affection which has not been done by the Tribunal. I find some force on this point argued by the counsel. In such a view of the matter, I am inclined to award a sum of Rs. 15,000/- towards loss of consortium since the wife of the deceased has lost her husband at her young age and Rs. 15,000/- towards loss of love and affection experienced by the parents, brother, sisters and children of the deceased. While doing so, the amount of Rs. 15,000/- towards loss of consortium since the wife of the deceased has lost her husband at her young age and Rs. 15,000/- towards loss of love and affection experienced by the parents, brother, sisters and children of the deceased. While doing so, the amount of Rs. 6,480/- granted towards funeral expenses is reduced to Rs. 4,560/- and thus, the total amount of compensation of Rs. 5,40,000/- fixed by the Tribunal remains unaltered. It is also made clear that the apportionment of compensation amount made by the Tribunal between the claimants in the two MCOPs and the rate of interest fixed by it shall stand unaltered. In the result, the appeals are ordered in the above terms with no order as to costs. - .