Karnataka High Court
Divisional Manager Oriental Insurance ... vs Mahadevi on 11 November, 2008
Bench: Ajit J Gunjal, Jawad Rahim
IN 'ma HIGH <:e:3:.;RT 9? §e::ARNATAK,&a~-- I :
CIRCUET Bfiffiflfi AT GULEARQA
mraa THEE ma :1?" am Q§?..?§_€}EiE§~'¥.,§E§ E V'E{':i?;§3§'E5
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REGIQ saw. .@£~fE;{.::E' 12%; $4,545,
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w=e.e~;<;e;xsMa}£:.E 4.56%} £225
......
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'§fi.€i'<::;.A;:~mARAa KELKER1 ..__A€.-E'E§= mam'? 45 YEARS n ,2. .'v.fii\%NARAO SIG. E§§~iARANAPPfi: KELKERE AGEE} AEORJT 5} YEARS
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6;" ¥'~'§E{§§"iARA3 SE3. AE\§Nfis.Rfi3«0 KELKERI AGEE) ABGUV 1}. YEARS RESPGNBENTS Neg; M amca M:waa:<:3:_ " 'V RE W9. av mam NAT€.3R.&L §£§ARt3_£AN;' * MGTHER -:5" REE3P{3N9E;NT' HE¥«3i'EI?é--.._ _ v ' ALL REA 91.9? %\i::>.26, s.va'§.<:.Q;m.EG>e:-.. m:2p,a,= _ $AM3AMEs:~;wAR <:a*;2:.aa~:'2i,} €;E3LEfi.R{:Zi%.
{By Sri, vz3A¥KuMA§.;a§}'w"::_;;w'Ag:y; i;;{3§'§21 ~ 2 H N R3 M ARE ?vEENGR:T:;-- 59:. am ; % _ 5¥¥.G.G.fiHAGASi*fi:":T'?Y.&§ E§iRA«§},fi;§?gf'.{3R M; THIS §f'£§,.E€2;_i.?E's£DE5*%':._SE€'TT'£f}'?'efi 3.?'3(1} G?' NV Am fi.€a'u5z£¥'~££-'ff THE' IE_i}1QG§'€EF~§7F_ --é$.?¥§=Ef)j fi:WN?iDV§?A"¥'EB §,S.8,%4 PA$S§D 1% MVC 3'13f}.3:a'}S's_;"fl3. "53§\§' "§'.i'~E'.E FELE (:3? THE I ABEL. DISTRECZE"
EGEEGE, & ?*'§&CT'~'-«;3;,,§¥JL8:5KRi;ifX,«AWfi;QfiI£§'§§ i'I{}¥"??E?'x3SATE¥3E'=i {IF RS.5;8£§}{}{3¥};'i%y WWH EE'*[§"ERE§T "AT 6% ?'ER ANNSM EEND £3£REi§T£TE§'\EG TFEE A;?'E3'EE§,_i;'%N"i5.._£f*§{E§3?';§:Ei?'~§ TS QEPGSIY THE EAME. 35:35; 31é:.',v»:3:9é:-ssaafiém mp; Amvzzsszcmz, "ms EBAY, fifiwfifl smhrsfm, .3", QEL§'§{'EEREfi ma mamwxwag; A' .....
V is in aggeaé agafinsat the Eudgm-ant and " +s:aé;~;iaré_§}s;.%;s.»<.é+Td in was Nn.3$9f20G3 an the fiie cf ma Am. ?"§£l;-'9'xC."3;,":':.*§L-§§iI3fiE"§fi. 2" The findészg 9? the Trimmaé with regarfi to the a<:t§cmabia :*:eg§ige::a':a of the driver af the £3?fQ?'$§E¥':§ vehicie arm me entitiament cf tim ciaimam: to be camsangated 3n the matter raiating ts deatfi :3? am vizziim Anna Race My/"V Q'/.5 %§'§Es\:}"s " " = 1' Keikara has hat hear: assaéihd war has tha §hsu§.e:_a§h'n§"fh~@;"" 3 §?"%Si.3E"€#13" The ihswar is in aphea Quhhtiahihg thh eiijrefitzééh' Egguefi by 'aha Trihunai, dira::£ihig§"'a'€;«.t§"._aE§$é§hVh§gh: 'thén'= campensatéeh awardad and a§£ohz".héiA.h§ a§gf§év;ed regard to the Quantum aVf.H§h;;ard.A.V' ;f%,$ : éhe chahehgad posed 'izcftihe q§_za=h£;.2m"-~.hf ¢hhapeh5.:;tich is cahcerhed, it §$ urghifi..V:gs§¢?§:;.sijgV{.,£,.;,;au"Eh'§z§:the appaiiant is permitted ha cvzshtaht :t~%:e:.Cfaiha._h,hhéié fircuhds as 55 pmngssabagm '}g;""{h) hf the Meter Vehhzfies the recerés that the cwhhh efVt'_Ah{'h'vj'%;~hh§.§;:hé i2;af}:§'~«:c;5¢h.te;:§hhd tha §f'GC&@§§i'}§S before the Tx%§§:.*aV;n.V.:s:*sa§V. quagtihh that arisas in this; appeai is4""aE:;{e:.;t.'v'*th:a?- héfiafi Eéahhéty of the ahhehant ta :35.'-:.Eharga'vh--§:Aha aw1aI'rd"'%'h tarms of the insurahce whey issued any :§§..*§é hat in éisputa that the vehécie mvofiwad Eh Ehe acciéiahht is a gmvam vehéde Le. Tata Emma, with the V.;;h§'u-;«;ecity sf carrying <3 pasgangers. Eased on thh hmposaé G? the 'ahgurad, the ahpeham': has issued the pohcy after cehectihg seharata premium to cmzar the risk in resghath ef tha damage ':9 the vehicie a$ aéso the third party résziz. rx ,v\"'?"'-P1.
I L;
Vi ..w.. u mu» Iurvv n Eesifies, the insurer was mifiezzrtad an additéssnai §H:fa=ré%'2V§'éV§"m-s--..%*%'a»[.'Ve¥'§.V Rs.1Sf- (Bi far the ewnercumwdrivar arad 3%-$5' M sum to causes" the rE5%< 6;)? Q mssaraggerzéé' '§"n .'_§:,hé- 'V vefzicie. Hawevar, there ié 2.é_A_'*~%2at[?e 'm'e::.t§e:§§*:%:§§T--:
Rs.£,%E}i_,Q0€¥/-= as we cemp€:§ $a:§an aimcéuni Reiymg an it, it is canvassad_§éf§re.._;2s tfiat«§§e ifiéabifiity, if any :3?' the apgeifiantg _";G' b€;_ ta Rs.1,9B,§fi8,'- in terms af t%*se_;pa§Ec;y.,_...
4. Thai §§§i';='i§i';'~.K5§'§§"§§"3i"§"§§§.§.€"s*{'i"i'*{}§'§§3E.'I'€Gd by the insurer 353$§'§e£'$1é':':€f§B"l~--...-73 ' -. ' A} Qwn éam.aag'e:a--~".;§-'jiaaéc _ " Rs.3,8E34.GO A£"3ffi:"'C§w§*a "iT3ama§;;;z:":' --~ Ezjréharge ' Rs.?,§86.§{I= LESS: Ear't§"*:L'§?3a.:a£<e;s _ ' ~-- 487.,G{§ NCfB!¥"%;=%.Lt_i5:' * ' %r§x;sfé'~*;aius .pm~e;~:--: -v 4E'i_{3'~t;i:.4 3m"aL2e';j?v*Ea:iz.s5 , --S,£3'§1.95 _ V V . "%atam§(.::».} Rs" 5,551.95 23}"::;.;ag:s%§tv of ;:=2..2a§&;;':«::«--3,-s--2~_*-,»;';:: Rs». sums fiaC31t3i Q53. T§.;§~R§.Q,§Q RS, -¢$5{3,0Q ' * --. _ :23: --;=:.Rs..,%1":2v:>_,0a0.<3a3 Fm' g 'Ai'}§3:a §mée,'2i:駧~€.2';*;:' 'Ear ' ._ . "'Pa'én"i_{):*és;&a'* Rs. 155% "Aflifa: '?'e'-?§~_'€j)TCovez:' §~:3r Uniémétad ' _i1;m<>Lmt R53, 53,6363 '~ fimas of {3} {R5,} Rs. 1,324.93 "Feta? prem%um{;'%+S} {Ra} Ra. fi,E3?§..9§ Egecéaé fiéscmunt « 333.83 Nat Premium {R23} Rs. 25,3«=§2.0£3 fiervéce Tax 5% Rs. 31?.€3€} Tmtaé p2'em§um {R5,} R5,, 6,659,i."zQ 1 Thare is aim gaacific anfiorsemeni at re§mrant5~::::~£;;;rrg_;;iiigf' the saver mm shcwéng the Eiahifiéty mi.V:éf§:é-..,.§z1$;;:~sé;2::é'* ccmgany is. camfed under IMT I?3.; 55;,' '.?._"»;v'.,'~24a;: :3}.
395. We are more mncemed §{:i%:_h '*it_3;:e %§£a}V%3%§§AE't';y° 'of insurance {Zempany ta cafieifiiaae» résié .9? '*;:'i*%;;e=zj"_:aé&.iv%.§Vséa*i'g'1a:'$.
'rm eadgzrsamené:-«E <:>f3MT~&?-1; «.§ég§w§é§2L..a§so"Fm*m~-'§ar*t and parcei sf t%-ea ta¥h}gf""';Qfidfi.i§I;flV$ a§é"s>§n.;c§e*;enar$§5 M' tiza inmrance m§_i*ty__ iz*ss,a;ééf¢i}"V:§:;3:!_ t§?:fsg_ ssgéiiant, reads as hareunfierz. ' "EMT--'Z33'ii-f3£§3.E'5f::§'€.i1§i;*V$§CV€i§@EV§'{éT gjiwvaz. ma {DRIVER {QTHER 'i'}~I.£K?5é_P':i§.1§ D?$.;Z'v'ER}.» ' ,.>4<:'>€.".€ --- " xx xx xxx xx xx 3»:;<>< _ xx xx _ _ Endaéaamaawt ES. i%€.TCi§E--.'-E*:éTS"'"?*Cfi UNNAMEQ ?ASSE?'s£C-EEERE; i".'>"T'i~%ER T"?'§!3.N ' Ki-iE EMSURED AME? HES SVAIEB €i3R§VER QR CL§,A"».i'=§ER g_{'F'F{_§V:'3aTE CARE; QNLY);
"'§fi"':'pn:=$§§aa?at§on of the payment eaf an azfiafiétiranai premium ét is ?'3_«;¢r9éati«y airédarstaad and agreeri that the Comgsany Lméartakes ta "~;§.ay"'c%§rnpsae1sati<:n an the $c:ak.-'2 provétfed baécw far §t'3£'>{'.§§§y injury " hereinafter dafénm gustamaci by may gsaasenger ather tmar:
ma insured ansziior his paid cfiséwsar, attendant €35' ciaaner arndfcsr a peraen in the empiay cf the Insurad ccsméng wit?1.§2'e the scam cf the War§<.rnen'$ Cempensaticm fiact 1923, and swsecauent ameméments of the said Act and angagefi Em and amcan me saarvica of the Erwmred at the time: s~.u<::%*: éra§:.:ry 53 sagstameafi whéist meuntifig 05 ciésrmunting fram car travaiiiswg in the m€;=tC2£' car' f\ \ § .~'' 1' W 'Ly '., . um "nu nu -ee)r'aVa£"'a if llifialfl R and caused by véoiaant accicientai externa? and véséE:v§»a_:me:Ta:3s wfzich indamndentiy :3? any other cause :-shaéé ..~s¢..*§i.:§*;';:.*-. t?':éj*::e"
Camndar manths 0? the occurrence :2)? sueth ii'¥_'féL.ff".';_r"§;&E":§_£§t7i§"§§-. 'Eh: _ 2 Scaéea of Camgaaansatiam: _'Am:5£J'm{g {a)E}eat%1 {£3} "frytai an-cs érrecmrerabie véczras caf:
(E) Ekght sf bath eyes; or of i;-he actam?
5935 by phygizzaé 5e;3a:"'--a;t§é':va*'2, cf tha*- . two antire haméa er tw<:»'*en%';:r_$ feat "
or of (me ssantire hanc§;----and'nns§~-._ entire f<>::2tna"Q§* such $055; if r.-:»s'g'z"':'i:--¢ of cm eye z§r1ciCrc3s:a'-of ca'ra'£» a:"*a'tiLs*€:~A ' aw"
'Feat or one J ' 103%
(ii) Us,=;er:f 'EW{3;Hé§';s{3$'.?;§§' t§€4e:x?»esat ct' rifle :§'«~.e'::r'":z:iV <:_£z'~ atsrz-:iafc><.:>j': :3? af"s=ucia--._?us$ _fQ'f. é$;%gh'1f.?----i3f_€3i1aE3 we anzj s.1,:::§*;- 3033 of Lssa :§f4.;:ra"i22.'r'§--'ég;snd ::2_:f-«rpm:-:.fc:<':%;.;';_. :£3{3% {cg V}V Tc}:2;EV'é3r'é-5% Zéfrewskézravbisé' iczssa of 1': Q: _ AV of bag.» s.+ye_V::r 23%" aha actuai ' mas' bfy.A;;:?:v;sic;«,~:i__$=:€;-zgvaraticzn <3?' cane
-- ersfire 'harad ¢3r_c3ne=eéntére fact 5{}%
(ii) use of a1_§"aa:=~:=;;i :55 fags: withc:-Lit ahiysécai segsaratésn 33% §'«;§<:uté:._ =_F£3r '-;he.'pursosse 3'? Ciause {E22} and iiiéause {:3} am-Va, Whyaécai __$e;::e§a:'at§<:ve"'3.<7' :12?' the hand car fmt means s.epar'atéc:n at GE" abcwe
3.;"ee*»ws*é'3: Jandfcr at or abrwe étha an£--<¥e resgsgzeiéveiy <.{d)" " Fermment tam! disabiement frmm injuries (othar than narnead abcwe) which shak as direct n:m1se:qLsanc:e5 theraaf permanmetw, tetaiiy €§'."3£€..'J§&.,a"?.',8§'y' diaabie the éngurrad from angagérag Er: amgaioymant <'>r Gczzugaatéan of any descrégatimn . 1&8'-"lea Wzsvéeziaad aiways that 1} Cmnigaanaetion shafi be payame under' area uni'; izerres {a} tes- éd} above in resgsed 6*? any such pemafi arming out of any /' gt/I M3 cane cscmrranca area that mm; éiabiiity of ma com;>aVr1y.?;'E:a§i mat in zaggrzagate exceed time sum -ts? §1s.m___ ' one periwcfi :3? insuranca m resspeczt sf any such games...' ~ * 1 'mew' the in§'§uan<;£% {sf intexicating §%quQr' 0:_dr;:§s. ' Such cemgmnaatéari aha%E_ £:;$'a..pa;rab'€:2:: ants; with ?:"%*1;_a"'a~*;.:;v;t3vai C3'? the ingumd and dir'e'Cfi:iy"~to the"én§u%'==a~ri'.=g;:«e52:':;on car ':0 hiafher Qegafi rapres&ntat§ve§;.gqha$e racésget' ss§'2a§§ be fsfii and firaafi discharge i::e.re$9e2ctV-0€*:f1e-ingury tn suC%'s';.°ea'.<sonx Not more than' {:';r'é 'mg 1:hz#3--.saic§ motar car at the 'time of c1ccurran%::ew~of.suc?3 é3%f3LEi.2r-,r;'-- x é -- 3} 4?
5) E%ub§&r;*£:VotherwE5e 'the' {1i€.&§i§"{3'.€".'.&?;'?.€(2Q'§;3'.9Li§Va'2fiE: congéitiana and §§:"re':ta:E;:ir'§2.'_:3f this _::«e:s§E<:"-,,g, "_ Fmm the?' E': is dear that an pay;'jf1é:?a"t" araée*:r_9éVi'a;i§B'é'§4 by the insurer, ma apgeifiiané. fihe Eéabéfiéty ta inéamnify the inszgred u1t<i.«..§a';: fifa_eAfimétéensatéan in reggae: :3? the cfiaim a':ri%~.:§:r2Eg§V' mt o°?""t§a.e_...::§aat§: ar bedéfiy injury :9 3% ma 9 'V:V";:asse§:'§a§*s§"'v.f"§"hare is no iimét cf iiabiiéty as gar H '-- 5Es'a--deVVs"}s1éa**a"f;aa*:A'?:*=..-¥'$ 9'? §MT-?3. and the mmpanaatien aayabfle <.":asv§ o¥?"'V$eath is :s,GG% and at fiiffarent percentages in V * srespéiit of énjaarias as findisatefi above. Sg The canierztian 9%' the Ensurzanca ifjampany 35'; that the iéabéfiéty £5 rastricteé afgifi thm"afe:>re_, has ta be 3,.
WM No mmperzsaicicaré shafi be payabie respact <;~f,ds;ar?.%: 'G25 ' Emciiiy injury direcrtiy or indéreeztéy {sf .ér%...:;a'r*tV arising or "
:'esuit§ng from :::r traceazbée 't&_£T=~{~3.}' inte£1t%ana€§'=$se2§f §r:;§_:m,{,"_ suicizfie or azterrzpted guédde ear gjhygicai 'dafatz ,_c:>r'-infgrmiizy « or {2} an accident hapmnéawg'.._wh§§stT$asch'=.;:>ass<>n as' ;§;%__dé:t1;' désceunteé under end<>rsamant~5 cf IM"3"«'?1 notedVV.a§['§}é"s€g. At Ems guncture, the iearraed csunsai far th_e;""af;3;:駧é'r:_§"
sazbmits that ma irssuranca cemfiany ha$.V..r€é¢i5V\raf§_3;e§'§:_th[éf farm ts ba issued in séméiar £&§":}é$ §ei;:>aa'g%"é:fsg-I'girééii-aVr §*%'$§(, Acamfiing :9 him, ersd9r3;ame?:t' ~¥5 LEM'.'é:"V«_"_%"}"A:l§"' Es"
repgaced as z§vsT~15.. Razyérsgsi:v§a'.::.;3a'~ge'cé%'%s§£éssper V up zm»-:5, the éiméiad ;§a%;m2::y«V%iss% i'.';ef:§'£'B;§'£iC_fed. ::~ss*":<«:;$ of the ?a§§«::y reads as under: ' .% "§M'§"«i6. pgsgsewga' "Aa::f';aE:~a:{j..*%;"o '-:_m§;%€:.£>§MEa mssamgaa <3':":-aEafs";-::a.5_s»; _ENS=U=REC;%; M31113 mg '?A£{}_E._")BE.KiER AND cagamga {Forg i.¥'e.**:;:?:_iés;.V~ ':§;5-..§1? r'w.23té3':.:3rS arc? Mcaizorisad two wheeéars {mi 19:" fiigifzé er resw2_rc$}.V'wi§%1'a? witfamst aide car} ~"'2s*'1'"%:.;:+:<'z§.§'§j:,.:irara'%;:E'é>.*'i;' gxayréiériééf an acfiajitéonai premium it $3 that the insures' unciartakafi 1:9 my ~comg:2§?%sé;_i$?§aé"-95%' " 41%: swig gzsrersviaed bemw for baciiiy injixréeé heréimafzgf Ciiéfiflafi sustained by any gassensgar t'.3?Z3"3£§i' * » than Ema Aér*;<.su§'e<§ Vanfifor the paici driver attendant :33' -I23é&£"i:'E2§' 1 _a'ra:i;f::»r 3 the emirkay cf the insured ezcrmmg 'within the :{-A:;<>«;_)é'«._._a?:f the We:sr§<men'ss C=.:=mperssat:§:m Act, 1923 and 3 _ 'V'--s;ib3éq;;5aij:j: amendments of the said Act and mgagad in and tiiséxservice cf the iraaurazfi at the time such injury is se..i3.t:Lé';=:fE,-"2é:;i whiist mcuratirzg mm, dismountmg frzzsm car ?::'ave§3éng tiff} but mt driving the insured mater car amzi caused by vieéant, '=a§:c:'<:ienta§, extewai arid visabfie maans w%":éc.:%*:. Endeaeradarstéy of any ether cause sahafit within thraa s:a%en<:ias* menths of the <2c::L2:'ramc;e Qf auch Enjgury resuits in. / 'i L' w , {XI .T":m"re than fietaéis of Injury Barrie ct'.-_'? T €I3=.':m;:>e=:_r*,r»;5:_i.E'-;».r;_'rz * 3 :3) Daath _m::;'%' ' ~ {:5} Loss :21' twm Eimbs er sight af mo '3.f.¥'3I% V L"
' eyes or one Sim?) and sight of " "
rme eye. _ iii} Lass or one Eimb «cur ssigéwil of :.r>r:i=.35' 523%' eye '~ iv} Parmanaret 'tilitair :iiaab§e2~'2"rse2r"% 3 'f'§i}'§7§3 3 fram énfiarées othéer than r'aam:=».r;} above" * Pravidamfi afiwayséifigatz {i} Conwpenaatéen =.=-r4aii'-be payabte :'u':V1derjz:2';_1.s.a eniy items; {E} ta {iv} shave in ravamgzrt gr ai"w 313c§'e pargrm arming out 5:1? any aha C><:r:ura<ance2:§_zanz§. that t<2taé'%.E§a€:>i§Ety5:' the éra.«.~"».a.rr'er' aha?! rm in a%'ggré:gata extwaaéj fhe semi; csr' Rsr--;_;'m _______ 3*' éuring any one period o?EVén5ur'ar7§r;e i'n....rsa>5;r:ia<,*'i~: 33' any such gaerzaam. {2} Cr;~:r:':§:«ansartio'r2 é:'%€a%% 'tié pafraisie in reapect as? death car
-------- -».§;jzj1.}r"y e:§i'§'»'».=;>m'.E~,:"«5;r'-.§r':<:§Eref;?.'§;!w-'whofiiy or in part arising; :35' resasiliérag :'*:;::rre.4<::r«...tra3c:ev::;*'2§r.2 to {as} §n*:ant:<>na§ sseaéf injury, ._:2--uiz;id£s;v,<;r_Vaitempta:'._sué::ir,€e or physicai defeat ear infirmity or {S} anas:€;iTr$anE'-~%3a§;§3enmQ s:~rhié.~3t such perssrsm is umdesr ' u the infEuam:sa'::4' ifitrsxrcatifig iécrguor car rimgs. _ V {SS} Erijchvvcorsfzriefiéiatfibri. shaii Eve payabie oniy with tirma agrsgrwovaé .223' t%'ke.V_in5ur'a:3 namaari in the gmfiszy and eziiracztéy ?:::> the injured ta: §"i§Sf§'1ai" Raga? represerstatéveisfia W§"sC3$E§ r'L<_:;.r:e2i§:at shaéf be fur? and finaé discharge in rragpmrt 0:' trsea anjuw its such mmmn.
3 **pr,=raonsf;:assan:;5er?, are in the said r{:s';=i:;?lr' car at the time of occurrence sf such énjaflsry. V'-S-Eubjaért mtherwésr: to trzea terms exceptions cantiétiom and ~~ Eirrzitatima of this ;:>z:§is:y.
* The Capéiai Sum insurmcé {Ci-T53} per messenger is ta irwserted.
** The registered gifting capacéty :3?' the versicée énaus'ad is is be éngerteci. "
3"' Ffivk 5,, if We da mt find any '<.i'$5'iatE£t¥'iS iii tiia termiaéifigy, piiraseaiagy car in tha terms, miiditions Q? ei'id;_<}j'i*7$ei*ifi'er§§fi':--§3_:_ _ of EM"E"--~'?3; of "aim $G§§=Z°f in quaatiaii arid IMT«3,.i?i_ i:f ifigi.€; ' form. 83% are viitiiaity same. 8=i*:2;'i':i**ia;'_i §a$ §'§._>E"'i;2i:'A§f.")i';-I§'i'~§':i'i5}%i be femambered that ties trzirisaatiéiin; iimtweeiii-7li:i%i§e? insiiiiéi' arid insured is ccverad uii§ei?"iiiié»?a'uii of:"x:ic5iii:*--".:*§5<:tV.'¥ci§i2Vii:Vmice the tarms and ccnzfiiipms ':a7i4;g"'i§ijii%'i'ii$a§ iii<:é° aiiy ether miitracis, ii". binds t§'ie4'§ii':'i5.i'.iAV§"éi"i. :'V'i"ii_é.V.='=i:_:'i:e5§_if.iV."\s,i3'$'_'_.arié coiiditians am iiicarpoifaiéii '1-iii Ex.ii?.. Exfii LEiidmi%€§i§§V'y;w ££)iiii;é,%i_Vififi ii'? §iVE"i"-?1, which E3 $xtra;<:t@z§_i§§:3§;i.fai;'1:yi;.ifiie:;*E*§: ::iéai?"i§iv-~i~iidi;:atesthat iiie iiabiiity is iflaéé in fiaise at varimis garcariitages if the fiémipiangaiiigii' in resaecrt at? piiiraicai :§j'i4€_ia§i§i§i?:y.
_ '_§'ii'EfEV§'i'1'"-.3 insizaiit case, we are aaaiing with the case " .;.>§f"i§ai:iai éfijfiiééflt aim therefare, anéorsementwfi :3? i{i*~'i'i'-?i. fai$'E;e¥;i$..ii.§'t3i'i the appaiiaiit with iiabiéity of discharging the AA $i'a'i_iuai'§H'Bt mi}?/:i,, with he rastriciiuri 33" any iimit. Since tfixgfii contains enéarsementwfi ii? Iiv'i"§'«~?z,, Em entry mafia in ceiurrziiwi) ei" the $C§"ied¥..§§& mentiiaining i¥.s.1,%§,,@Gfif- i.e. '/\y it iimised Biehiihty, therefere hecerrie reeeeeehis. This i_s.__se, because when there is erehiguiity in eriy ef the terrrse"~e§"€:h?e,A4 eeiicy, es nee he she iheex Ceurs in the * Asserenee Seeierir Lie: Vs. Cheeemei .ie_§rr iissiseik K "
Feeerted in AIR sees sr: gees {V is erseéegiregi'eries*s;i'e:rii1 ceraeihehs is 're he cehstreVee'«ifV:.ehrre-..e're§ererfiier'e...:he_ii ie against ihsiirehee eemeeriy eVri?ef~«.V'Viri feee<er* ef:she1Vfiesuree. The erieeipfles of the i:s,__ev;e;siieehie Aseflthe feasts ef the issterieceee ewe ieeiicetieri ef rteverirag ef2_"risi§.i:'r;e which eees net restrict the e§:'th'eV.i;e-s'e'rerrgce icerrieehy end we ere setiefiiee't'he:ii.vi;h«e:7hiee:re.i§.Ce gsiieény is iiebie te discharge the em. ' in
-3, 'V isesiees, 'Veveri eczreséeerirag the iiehiiiizy sf the .V'e'ihee§'iE'eht'%'eh theveeiricy, erevisierr cf .':'£&€:t§Gn3§.4? (13 {ii} er .£j'-ieter{"sf.ehi}:'i-ee~~ei:t, makes it deer that ersce the certificate he?' ihseifeérice is isseee, the iesurer is Eiehie te pey cerrieeerssetien tn the insured against the eeeih erae ether threkifiiiy injuries he ere; passenger of the eehiie service vehicfle ceesee by er arising out re' use er the ireriieie is I "7 2' W . v a§aw_af_ca, paméc afiacag In the énsaaat caaa, aha §nsurar has §"3G§__0£'2§V cafiéactaa the aatra araméum, but aiaa cmraraa §h.a"Vai:'ak a,f "E3 aacuaaata" wha ware carréaa in taa vahéciaia aiaaa§;§aa'v.~---- ~ fiaarafarag aaaar aha statata aEaa,_aha 5aa1;ra§*§'§'aaV§a ta' "' away' the risk a? the aasaaaaara aad '?§~'aa.f£i3%éaa.%'ii£3§?3s'iaV§iaaa:%;a_a any bands am is anraatriaaaa. Saaéaas, t.a'"z:;av:a;§' raara aassaagara, aa ma axtra a:*aa*§iV~a_x:f1E'~; Ejaa Vaa-afiaa'a§%a§;taa, aha aarma af aaéicy havafia aaaar fiuhwfiactéaa :3) af raaaa that "natwi€hatag2a:fEa§j' 'a:';=y iaw far aha time aairég ah'Z-§§';aa}ra§;aiaa-fgieag a paficy af iaauranm anafaf ti"; -- '-iaat !.iaTa'§a' as ina'amaify we paraaaa aadviafaaaaa in the gaaiicy in raapacti" a?' any fiaakiitgk aazéiicy purparm ta saver in that case 9 z':f;£*f3aL?t' paiaanéé "ax gfiaaa arfaasaa cf paraaas". "£'%:arafara, in "V. . E .. '{§";ig'm'/,5 iiactéaa of axtra aramiam, ma aaiicy tamma as ._ "a._V,-:;o":':'ag3Ta«:.*.ma'§'aaiécy anfaraaaaia uaaar Saafiaatiaa {5} af fiaatiaa at' tha Matar Vamcfiaa Aca, in tarma aharaaf. .. 332a taama aaéag vary aéaar taat ma acszaaaata up to 9 are " '»aaaara::§ as par anaaraamarat-5 of ZM"§'"«-}"3, cf the aaficy 5:":
aaaaiiaa, tiza iéaaéiity G'? the iasarar ramaias uaiiraitaa. 'iai <13.) wnvI5'V\b'L5"b. a ifihpfli I
3. We dc: net find any ermr in agsesamant '£53'-.t%ze Tribunai, imidmg the érasurance mmgany §EabEé._.'§§'='S§'§é$;'Ti?V. Es for the first time this has been canvasgééjfi' M .x which undeubtadiy were nat-"Can-ixasf-_;&§_..§§';H;~3ft;:?'é'~.5'§";é'g "é"rébu¥2ai.
9. an fietaééed e:r<aa*:'*:é:4a'a%,§V:<3*§*: as d§'s~:.:_u':;:aé-Ed figeve, we are satisfiefi mat the '§'§';'.?~!2_if.3§§§'?;f§,«" é:f'§§*'§?§.§;£§;$r2_g:e scz:"%é:;téa'f§y cannat fie restricted ta pay ca?r'§§:.éra:é3;z$;'§V7ea"z e_:§.§Ty~."g;p ':;:» R5,1,&G,flG%,/~' as §n§§catefi.Vt%2Eg{re§§n.
fife,-:fi_§E§§§ré§':3B"a; %§_nz§"rm zfzéfit in the appeai. Tim a;3§?a€é:a:§V"éé;['t§;%f€,§§'ef§§;§é, §§s§;f;1§$$e§§V.VVV'The Buégment amt; Award sf thé-TfébuémfiVVé$'.Vé':3.:'§?'"E'§*s%§§e:§;" "
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