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2025 DIGILAW 2084 (MAD)

Malliga v. E. Manimegalai

2025-04-09

S.SOUNTHAR

body2025
JUDGMENT : S.Sounthar, J. The Civil Miscellaneous Appeal has been filed by the claimants challenging the exoneration of the Insurance Company from liability of paying compensation. 2. According to the appellants/claimants, the husband of the 1 st claimant and father of the claimants 2 and 3 namely M.Palani died in a road accident that had occurred on 02.10.2019. According to the claimants, the deceased was walking from North to South on CTH Road, School Road Junction, opposite to Door No.649, Star Fancy Stores. At that point of time, the pulsar motor cycle belonged to the 1 st respondent insured with the 2 nd respondent was driven by its rider in a rash and negligent manner and hit the deceased. As a result of the accident, the deceased sustained grievous injuries and died in hospital. Hence, a claim petition was filed seeking compensation of Rs.20,00,000/-. 3. The 1 st respondent-owner of the vehicle remained exparte before the Tribunal and the 2 nd respondent-insurer filed counter and denied the negligence on the part of the driver of the 1 st respondent and claimed that the accident had occurred only due to the contributory negligence on the part of the deceased. It was also stated by the 2 nd respondent that 1 st respondent allowed a minor aged about 16 years to drive the vehicle, therefore, there was a violation of policy conditions. Hence, the 2 nd respondent was not liable to pay compensation. 4. Before the Tribunal, the 1 st appellant/1 st claimant was examined as PW.1 and yet another witness namely Siva was examined as PW.2. On behalf of the claimants, 15 documents were marked as Exs.P1 to P15. On behalf of the respondents, the Sub-Inspector of Police was examined as RW.1 and Deputy Manager of the Insurance Company was examined as RW.2 and one document was marked as Ex.R1. 5. The Tribunal based on the evidence available on record, came to the conclusion that 1 st respondent's vehicle was driven by a minor having no driving licence, therefore, there was a violation of policy condition. Accordingly, the Tribunal exonerated the 2 nd respondent/Insurance Company from the liability of paying the compensation. The compensation payable to the claimant was quantified at Rs.4,72,028/- and the 1 st respondent-owner of the vehicle was directed to pay the said amount. Accordingly, the Tribunal exonerated the 2 nd respondent/Insurance Company from the liability of paying the compensation. The compensation payable to the claimant was quantified at Rs.4,72,028/- and the 1 st respondent-owner of the vehicle was directed to pay the said amount. Aggrieved by the exoneration of 2 nd respondent/Insurance Company, the appellants/claimants have come before this Court. 6. The learned counsel appearing for the appellants would submit that the deceased third party has no control over the vehicle owned by the 1 st respondent and in the absence of any negligence on the part of the deceased, the Tribunal committed an error in exonerating the 2 nd respondent/Insurance Company. The learned counsel further submitted that the Tribunal should have atleast ordered pay and recovery by relying on the judgment of the Apex Court in Jawahar Singh vs. Bala Jain and others reported in 2011 (1) TANMAC 641 (SC) 7. The learned counsel appearing for the 2 nd respondent/Insurance Company vehemently contend that as per the policy condition, the 1 st respondent is expected to allow the competent person to drive vehicle and in the case on hand, the 1 st respondent allowed the minor child to drive the vehicle. Therefore, it was his submission that the Tribunal was justified in exonerating the Insurance Company. 8. In Jawahar Singh vs. Bala Jain and others reported in 2011 (1) TANMAC 641 (SC) , the Apex Court exactly in a similar situation, directed the Insurance Company to pay the amount to the victim and recover the same from the owner of the vehicle. The relevant observation of the Apex Court in the above mentioned judgment reads as follows:- “11. We cannot shut our eyes to the fact that it was Jatin, who came from behind on the motorcycle and hit the scooter of the deceased from behind. The responsibility in causing the accident was, therefore, found to be solely that of Jatin. However, since Jatin was a minor and it was the responsibility of the Petitioner to ensure that his motorcycle was not misused and that too by a minor who had no licence to drive the same, the Motor Accident Claims Tribunal quite rightly saddled the liability for payment of compensation on the Petitioner and, accordingly, directed the Insurance Company to pay the awarded amount to the awardees and, thereafter, to recover the same from the Petitioner. The said question has been duly considered by the Tribunal and was correctly decided. The High Court rightly chose not to interfere with the same.” 9. Therefore, it is clear that in Jawahar Singh case, the Motor Accident Claims Tribunal ordered pay and recovery and the said order was affirmed by the High Court as well as the Apex Court. It is also pertinent to note under Section 149 (1) of Motor Vehicles Act, 1988 , insurer has statutory liability to honour award passed against insured. The innocent their party road accident victims, have no idea or control over policy violation by insured. The violation of policy condition is based on contract of insurance between owner of vehicle and insurer, over which third party victim has no control. Therefore, this Court is inclined to follow the law laid down in Jawahar Singh case and direct the 2 nd respondent/Insurance Company to pay the award amount to the claimants and recover the same from the 1 st respondent/owner of the vehicle. 10. Accordingly, the order passed by the Tribunal exonerating the 2 nd respondent/Insurance Company is set aside. The 2 nd respondent/Insurance Company is directed to deposit the award amount of Rs.4,72,028/- together with interest at the rate of 7.5% per annum from the date of claim petition to the date of realisation, to the credit of M.C.O.P.No.215 of 2019 on the file of the Motor Accident Claims Tribunal No.1, Special District Court, Thiruvallur, within a period of six weeks from the date of receipt of copy of this judgment and thereafter, recover the said amount from the 1 st respondent-owner of the vehicle by following the procedure under Section 174 of Motor Vehicles Act, 1988 . On such deposit, the appellants/claimants are permitted to withdraw the award amount deposited by the Insurance Company by making formal application before the Tribunal. 11. Accordingly, the Civil Miscellaneous Appeal is allowed. No costs.