Branch Manager, Oriental Insurance Company Ltd. v. Asgari Begum
2011-05-02
PRASHANT KUMAR
body2011
DigiLaw.ai
Order This appeal is directed against the award dated 27th of March, 2010 passed by learned District Judge-cum-M.A.C.T., Godda in M.A.C.T. Case No. 8 of 2009 whereby and whereunder he directed the appellants to pay compensation to Respondents No. 1-5 to the tune of Rs.11,41,868/- with 6% interest from 28.2.2009 till the date of payment. 2. It appears that this appeal filed after 41 days of expiry of period of limitation. However an application for condonation of delay filed. After hearing learned counsel for appellant and perusing the application for condonation of delay, I find that appellant had shown sufficient cause which prevented it from filing of appeal within time, accordingly delay in filing of appeal is condoned. 3. Aforesaid award challenged by appellants-Insurance Company on the ground that at the time of accident, deceased was standing on the footboard of vehicle, though he was forbidden by the staff of the vehicle to do so. It is further stated that when driver lost control over the vehicle and suddenly applied break, deceased fell on the ground and received serious injury. Second ground of attack is that the driver had no valid license for driving a Bus i.e. passenger carrying commercial vehicle. Third ground of attack is that there was no permit for plying the said vehicle. 4. So far first ground is concern, I find absolutely no evidence on behalf of appellant (Insurance-Company) to prove the same. Even though, appellant examined one Arvind Kumar Sinha, O.P.W. 1, but he stated nothing in this respect. Under the said circumstance, this fact has not been proved by the Insurance-Company. Sri Alok Lal however submits that applying the Principles of res ipsa loquitor it can be presumed that deceased was standing on the footboard of the vehicle, because it is not possible that a person standing and/or sitting inside the vehicle will come out of vehicle and sustain injury. In this regard it is worth mentioning that C.W.-1 (Asgari Begum) in her deposition had categorically stated that at the time of accident, deceased was sitting inside the Bus and the said statement of C.W.-1 came in her cross-examination. Thus, aforesaid statement of C.W.-1 remains unimpeachable. Under the aforesaid circumstance, when there is positive evidence then it is not lawful to overlook such evidence on the basis of imagination or presumption.
Thus, aforesaid statement of C.W.-1 remains unimpeachable. Under the aforesaid circumstance, when there is positive evidence then it is not lawful to overlook such evidence on the basis of imagination or presumption. In this connection Sri Alok Lal relied upon the Division Bench judgment of this Court in National Insurance Company Ltd. vs. Most. Budhani Kisku and Am. reported in 2008(1) JCR 366 (Jharkhand) [: 2007(4) JLJR 292 ]. The fact of this case is different from the fact of aforesaid case. In that case, it is admitted by the claimant that deceased was sitting on the roof of vehicle, but in the present case, claimant stated in her evidence that deceased was sitting inside the Bus. Hence above decision has no application in the facts of this case. 5. Now coming to the next submission that the driver had no valid license, it is worth mentioning that in the W.S., Insurance Company had accepted the pleading of claimants subject to verification of driving license. But no W.S. filed after verifying the driving license, stating that driver had no valid license. In course of argument, Sri Alok Lal submits that Insurance Company appointed surveyor namely Arvind Kumar Sinha who made inquiry regarding license in D.T.O. Office and found that driver had no license for driving a passenger carrying commercial vehicle. Sri Alok Lal after verification of his own record fairly stated that on 13.6.2009 Surveyor submitted preliminary report regarding driving license of driver and in that report he stated that driver was authorized to drive L.M.V., M.M.V., H.M.V. and D.G.A. But surprisingly this fact has not been stated in the W.S., which was filed on 9.7.2009 much after the above report of Surveyor. Paragraph 10 of the judgment shows that 'Surveyor, (O.P.W.-1 Arvind Kumar Sinha) had deposed that driver was authorised to drive only LMV, MMV, HMV and DGR, but in my considered opinion, aforesaid deposition and/or evidence of Arvind Kumar Sinha is beyond the pleading of Insurance Company. Thus, same cannot be looked into. 6. So far contention of Sri Lal that the Bus was plying without any permit, it is stated that in this regard also there is no pleading. In W.S. at paragraph No.5 Insurance Company stated that as per law settled by the Apex Court, if a vehicle is being driven in violation of Insurance Policy, Insurance Company cannot be held liable to pay compensation.
In W.S. at paragraph No.5 Insurance Company stated that as per law settled by the Apex Court, if a vehicle is being driven in violation of Insurance Policy, Insurance Company cannot be held liable to pay compensation. It is true that if it is proved that at the time of accident, vehicle was plied in violation of terms and conditions stipulated in the Insurance Policy, then Insurance Company is not liable. But in the instant case I find that there is no pleading by Insurance Company that any term and condition of the license has been violated, nor there is any specific pleading that the Bus was plying without any permit. Under the said circumstance, statement of Arvind Kumar Sinha O.P.W. 1 that. owner did not produce permit have of no consequence, because this part of the evidence cannot be looked into, as the same is beyond the pleading. It has been held by Division Bench of this Court in the case of Oriental Insurance Company Limited vs. Manorama Devi and Others reported in 2009(11) ACC 699 that if the Insurance Company did not lead any evidence to show that the vehicle was plied at the time of accident in violation of terms and conditions of license, then in that case Insurance Company cannot disown liability to pay compensation. 7. Sri Alok Lal relied upon the judgment of Their Lordships of Supreme Court in National Insurance Company Ltd. vs. Challa Bharathama and Ors. reported in 2004 ACJ 2094 to show that if vehicle is being plied without permit, Insurance Company is not liable. Law in this point is clear. But for implementing' said law, it is imperative on Insurance Company to prove that the vehicle was being plied without permit. This fact has not been proved, thus aforesaid judgment of their Lordships of Supreme Court is of no help to the Insurance Company. 8. Sri Lal also relied upon another judgment of their Lordships of Supreme Court in 2006 AIR SCW 1649 [: 2006(3) JLJR (SC)40), National Insurance Company Ltd. VS. Kusum Rai and Ors. to show that if driver was holder of license of Light Motor Vehicle and has no license to drive commercial vehicle then Insurance Company is not liable. In this case this fact has not been proved by Insurance Company.
Kusum Rai and Ors. to show that if driver was holder of license of Light Motor Vehicle and has no license to drive commercial vehicle then Insurance Company is not liable. In this case this fact has not been proved by Insurance Company. Thus, aforesaid judgment of their Lordships of Supreme Court is of no help to the Insurance Company. 9. Considering the aforesaid facts and circumstances, I find no merit in this appeal. Accordingly same is dismissed.