Legal Document View

Unlock Advanced Research with PRISMAI

- Know your Kanoon - Doc Gen Hub - Counter Argument - Case Predict AI - Talk with IK Doc - ...
Upgrade to Premium
[Cites 2, Cited by 0]

Bangalore District Court

In 1. Shabana vs In 1. The Head Master on 26 August, 2021

 BEFORE THE CHIEF JUDGE, COURT OF SMALL
CAUSES, MEMBER PRL.MOTOR ACCIDENT CLAIMS
          TRIBUNAL AT BENGALURU
                    (S.C.C.H. - 1)

   DATED THIS THE 26th DAY OF AUGUST 2021
     PRESENT : Smt. Prabhavati M. Hiremath,B.A., L.L.B.(Spl.)
              MEMBER, PRL. M.A.C.T.
M.V.C. No. 7262/2019 C/W M.V.C. No. 7263/2019

PETITIONERS IN     1. Shabana, D/o. Chand Pasha,
MVC 7262/2019:     W/o. Nasir Ahmed,
                   Aged about 36 years.

                   2. Afreen, D/o. Nasir Ahmed,
                   Aged about 13 years.

                   3. Mehar, D/o. Nasir Ahmed,
                   Aged about 11 years.

                   4. Gowsiya, D/o. Nasir Ahmed,
                   Aged about 7 years.

                   5. Nawaz, D/o. Nasir Ahmed,
                   Aged about 7 years.

                   6. Zeenath Bi, W/o. Mahamed Rasul,
                   D/o. Rasheed, Aged 63 years.

                   7. Mahamed Rasul, S/o. Karim Sab,
                   Aged about 69 years.

                   Petitioners No.2, 3, 4 & 5 are minors,
                   Represented by their natural guardian
                   mother Shabana.
 SCCH - 1                      2         MVC 7262/19 & 7263/2019

                    All are residing at
                    Islampura, Nelamangala Taluk,
                    Bangalore Rural District.

                    (By Sri. T. Mohan, Advocate)
         PETITION
    ERS IN MVC    1. Sabeena, W/o. Sanaulla,
    7263/2019:     Aged about 40 years.

                    2. Naveed, S/o. Sanaulla,
                    Aged about 22 years.

                    3. Amreen Taj,
                    D/o. Sanaulla,
                    Aged about 19 years.

                    4. Shahio @ Shahid,
                    S/o. Sanaulla,
                    Aged about 14 years.
                    Since minor, represented by
                    Natural guardian his Mother Sabeena.

                    5. Khurshid Bi,
                    W/o. Syed Mohiddin,
                    Aged about 75 years.

                    6. Syed Mohiddin,
                    S/o. Syed Gafar,
                    Aged about 80 years.

                    All are residents of
                    Islampura, Nelamangala Taluk,
                    Bangalore Rural District.

                    (By Sri. T. Mohan, Advocate)

                    ­ V/s ­
 SCCH - 1                      3             MVC 7262/19 & 7263/2019

RESPONDENTS IN         1. The Head Master,
 BOTH CASES:           Sri Vidya Public School,
                       Huchanapalya, Huskur Road,
                       Dasanapura Hobli,
                       Bangalore North Taluk.

                       (Owner of the vehicle bearing
                       Reg.No.KA­52­A­8830)

                       (By Sri. Nagaraj Damodar, Advocate)

                       2. The Manager,
                       Cholamandalam M/s. General
                       Insurance Company Ltd.,
                       No.04, 9th Floor, Level - 06,
                       Golden Heights Complex,
                       59th 'C' Cross Road, 4th 'M' Block,
                       Industrial Suburb, Rajajinagar,
                       Bangalore - 560 010.

                       (policy No.3373/0059420/000/00
                       valid from 11­4­2019 to 10­4­2020)

                       (By Sri.B.N.Sreekanta Swamy,
                       Advocate)



                   COMMON JUDGMENT


       These two petitions are filed under Section 166 of the

Motor Vehicles Act, 1989 by the legal representatives of the

two deceased persons died in the same accident.

     2.    In both petitions the mode of occurrence of
 SCCH - 1                        4         MVC 7262/19 & 7263/2019

accident is pleaded as under:

           On 19.11.2019 at about 3.20 pm., deceased Nasir

Ahmed was traveling in Auto bearing No.KA­05­AA­1231

from Huskur cross towards Bethanagere, when they were

proceeding near R.M.C.Yard, Pillahalli, Dasanapura Hobli,

Bangalore North, at that time, vehicle bearing No.KA­52­A­

8830 came from Huskur in a high speed in a rash and

negligent manner and dashed against the Auto. Nasir

Ahmed who is rider of the Autorickshaw died on the spot.

Body was shifted to Government Hospital after conducting

post mortem to the petitioners in MVC 7262/2019.

     It is the case of the petitioners in MVC 7263/2019

that, on that day in the same autorickshaw deceased

Sanaulla was traveling, due to the accident he sustained

grievous injuries and shifted to Government Hospital,

Nelamangala but in the hospital he succumbed to injuries.

On conducting post mortem dead body was received by

them.

     It is the case of the both case petitioners that by
 SCCH - 1                            5                   MVC 7262/19 & 7263/2019

spending of Rs.1 lakh they have performed the funeral and

final rituals of the deceased. Due to negligent act of driving

on the part of the driver of the school van owned by

respondent No.1 insured with respondent No.2 accident

occurred,        therefore     petitioners        are      entitled     for

compensation.

      3.    It   is   the    case   of   the     petitioners     in   MVC

7262/2019 that petitioner No.1 is the wife, petitioners No.2

to 5 are children, petitioners No.6 and 7 are the parents of

the    deceased       and     entitled     for     compensation          of

Rs.42,00,000/­. It is the case of the petitioners in MVC

7263/2019 that petitioner No.1 is the wife, petitioners No.2

to 4 are children, petitioners No.5 and 6 are the parents of

the deceased and they have entitled total compensation of

Rs.30,00,000/­.

      4.    After service of notice of these two petitions,

respondent No.1 and 2 appeared through their respective

advocates.

      The brief facts of the written statement filed by
 SCCH - 1                      6             MVC 7262/19 & 7263/2019

respondent No.1 in both petition are as follows:­

     The entire averments in the petition including all

columns are denied in toto. The mode of occurrence of

accident is disputed. It is specifically contended that at the

time of accident a school van bearing No.KA­52­A­8830

came from Huskur side in high speed and dashed to the

autoricksahw is denied.    The driver of the school van is

qualified and experienced driver holding a valid driving

licence to drive heavy passenger vehicle, there is no

negligent act on the part of the school van driver and

school van is insured with the second respondent as on the

date of accident therefore respondent No.1 is not liable to

pay compensation and prayed to dismiss the petition.

     The brief facts of the written statement filed by

respondent No.2 in both petition are as follows:­

     The entire averments in the petition are denied in toto

by stating that petitioners be put to strict proof of the

same. School van is insured with second respondent but

liability of the second respondent is subject to terms and
 SCCH - 1                       7           MVC 7262/19 & 7263/2019

conditions of the policy.

      First respondent being the owner of the vehicle has

not complied with the mandatory requirements of the Motor

Vehicles Act by furnishing information and documents.

The petitioners have claimed exorbitant compensation there

is no rash and negligent act on the part of the driver of the

school van and prayed to dismiss the petition.

     5.       From the above pleadings of the parties, the

following issues has been framed by my learned Predecessor

in Office:­

     Issues in M.V.C.No.7262/2019:

      1. Whether the Petitioners prove that the deceased
         succumbed to injuries in a Motor Vehicle
         Accident that occurred on 19.11.2019 at about
         3.20 pm., at R.M.C Yard, Pillahalli, Dasanapura
         Hobli, Bangalore North Taluk, within the
         jurisdiction of Madanayakanahalli police station
         on account of rash and negligent driving of the
         Srividya Public School Van bearing registration
         No.KA­52­A­8830 by its driver when the
         deceased was traveling in the auto bearing
         reg.No.KA­05­AA­1231 ?


     2. Whether the 2nd respondent proves that the
        accident has occurred on account of rash and
        negligent driving by the driver of the
 SCCH - 1                      8           MVC 7262/19 & 7263/2019

           autorickshaw bearing Reg.No.KA­05­AA­1231?
     3.     Whether the petitioners are entitled for
           compensation ? If so, how much and from
           whom ?
     4. What order?


    Issues in M.V.C.No.7263/2019:

     1. Whether the Petitioners prove that the deceased
        succumbed to injuries in a Motor Vehicle
        Accident that occurred on 19.11.2019 at about
        3.20 pm., at R.M.C Yard, Pillahalli, Dasanapura
        Hobli, Bangalore North Taluk, within the
        jurisdiction of Madanayakanahalli police station
        on account of rash and negligent driving of the
        Srividya Public School Van bearing registration
        No.KA­52­A­8830 by its driver when the
        deceased was traveling in the auto bearing
        reg.No.KA­05­AA­1231 ?
     2. Whether the 2nd respondent proves that the
        accident has occurred on account of rash and
        negligent driving by the driver of the
        autorickshaw bearing Reg.No.KA­05­AA­1231?
           3. Whether the petitioners are entitled for
           compensation? If so, how much and from
           whom ?
     4. What order?

     6.      As per the order passed by this Tribunal on

25.02.2021 both petitions were clubbed and parties are

directed to adduce common evidence in MVC 7262/2019.

In support of the petitioners' case, petitioner No.1 in MVC
 SCCH - 1                         9                 MVC 7262/19 & 7263/2019

7262/2019 is examined as PW 1. Petitioner No.1 in MVC

7263/2019 is examined as PW.2 and got marked in all 24

documents as Ex.P.1 to 24. In support of the respondents

case, respondents have not led any oral evidence, with

consent policy was marked as Ex.R.1.

     7.     Heard arguments on both sides.

     8.    For   the   reasons       stated   in   the   subsequent

     paragraphs, I answer the above Issues as under:­

           1) Issue No.1 in the affirmative in both petitions

           2) Issue No.2 in the negative in both petitions

           3) Issue No.3 Accordingly,

           4) Issue No.4 As per final order, for the following:­

                             REASONS


      9.   ISSUE NO.1 AND 2 IN BOTH CASES:­ It is the

case of the petitioner in both petitions that only due to rash

or negligent act of driving on the part of the school van

driver accident occurred.     To substantiate the same the

petitioners have relied on the police records as PW.1 and 2

are not eye witness to the incidents. On the contrary it is
 SCCH - 1                          10              MVC 7262/19 & 7263/2019

the case of the respondent No.2 that due to rash or

negligent act of driving on the part of the Auto driver

accident occurred.         The substantiate the same they have

not adduced any oral evidence but relied on the police

records and cross examination of PW.1 and 2.

      10.   Both petitioners and respondents have not

disputed the contents of spot panchanama, spot sketch and

IMV report. The documents relied by petitioners are Ex.P.1

- FIR with complaint, Ex.P.2 - Spot panchanama, Ex.P.3 -

IMV report, Ex.P.4 - spot sketch, Ex.P.7 - chargesheet.

From going through the above said police records it is clear

that, on 19.11.2019 itself on the basis of complaint lodged

by one Hanumanthe Gowda.H.K case is registered against

the    driver   of   the    vehicle    bearing   No.KA­52­A­8830.

Panchanama was conducted as per Ex.P.2 on 19.11.2019

itself and at the time of conducting spot panchanama rough

sketch was prepared as per Ex.P.4.

      11.   From going through the spot sketch it is clear

that road is South­North. It is not in dispute that van was
 SCCH - 1                       11            MVC 7262/19 & 7263/2019

proceeding from Huskur side and autorickshaw was

proceeding from RMC New building. In the police records

and from the evidence it is not in dispute that prior to the

accident   both   vehicles   were   proceeding   on   opposite

direction. The width of the road at the scene of offence is

20 feet, as per the traffic rules vehicles are required to move

on the left side of the road, the left side of the road to van

driver is eastern side of the road as he was proceeding for

school towards Makali as autorickshaw proceeding left side

from Makali towards Huskur his left side of the road is

western side of North­South road, the scene of offence is

towards western side of the 20 feet width road. From this it

is clear that the van driver came to the extreme right side of

the road and dashed to the autorickshaw.              If he as

proceeded towards left side of the road there is no chance of

occurrence of accident.      From the undisputed document

Ex.P.2 - spot panchanama, Ex.P.4 - spot sketch, the

petitioners proved that only due to rash or negligent act of

driving on the part of the school van driver accident
 SCCH - 1                      12            MVC 7262/19 & 7263/2019

occurred. It is also not in dispute that on completion of

investigation charge sheet is filed against the school van

driver.

    12.    In this case there is no dispute regarding fact

that due to injuries sustained by the driver and inmate in

the accident the driver Nasir Ahmed died on spot, inmate of

the autorickshaw died in the hospital. The petitioners have

produced Ex.P.5 - Inquest panchanama of Nasir Ahmed

and his post mortem as per Ex.P.6. Inquest panchanam of

Sanaulla as per Ex.P.16 and his post mortem as per

Ex.P.17. Therefore petitioners have proved that due to

injuries sustained in the accident Nasir Ahmed and

Sanaulla have succumbed to injuries.

    13.    On the contrary the respondent No.2 failed to

prove that due to rash or negligent act of driving on the part

of deceased accident occurred. Hence, I answer issue No.1

in the Affirmative and issue No.2 in the Negative.


    14.    ISSUE NO.3 IN MVC 7262/2019:­ In this case

petitioners have claimed total compensation of Rs.42 lakhs
 SCCH - 1                      13             MVC 7262/19 & 7263/2019

on various head.     It is the case of the petitioner that,

deceased Nasir Ahmed was working as Painter and earnng

Rs.30,000/­ per month.        During the course of cross

examination of PW.1 she has answered that earlier he was

driving autorickshaw and he was a painter. Except the oral

evidence of PW.1 to prove the exact income of the deceased

at the time of his death nothing is on record.     As there is

no material on record as the deceased has got a fixed salary

or self employed therefore the future prospectus is not

considered. Considering the date of accident notional

income is required to be taken to assess the loss of

dependency Rs.13,000/­ is taken as notional income as

accident occurred in the year 2019. From the oral evidence

of PW.1 and Aadhar cards of petitioners produced by the

PW.1 it is clear that petitioner No.1 is the wife, petitioners

No.2 to 5 are the children, petitioners No.6 and 7 are the

parents of the deceased. The petitioners No.2 to 5 are the

minor daughters. Therefore, petitioners are depending on

the earning of the deceased.       Considering the number of
 SCCH - 1                            14                MVC 7262/19 & 7263/2019

dependents i.e., 7 petitioners 1/5 th of the income is

deducted towards personal expenses of the deceased. 1/5 th

of Rs.13,000/­ comes to Rs.2,600/­. Therefore the monthly

income available for calculations of loss of dependency is

(Rs.13,000/­ (­) Rs.2,600/­) Rs.10,400/­. To determine the

loss of dependency we are required to convert the monthly

income     into   the     annual         income    which     comes      to

Rs.1,24,800/­ (Rs.10,400/­ X 12). As per the Aadhar card

produced by the petitioners of deceased i.e., Ex.P.8 his birth

year is 1984. Therefore during 2019 he was 35 years old.

     15.    As    per    the    principles    laid    down      by    their

Lordships in 2009 ACJ 1298 (Sarla Verma Vs Delhi

Transport Corporation), the multiplier applicable to the

present case is 16. Therefore under the head of loss of

dependency, the petitioners are entitled for compensation of

(Rs.1,24,800/­ X 16) Rs.19,96,800/­ under the head Loss

of dependency.

     16. Under          the    conventional       heads,   as   per    the

principles laid down in Pranay Sethi's case, the petitioner
 SCCH - 1                                15                 MVC 7262/19 & 7263/2019

No.1    is      entitled   for    consortium     of    Rs.40,000/­,        the

petitioners No.6 and 7 are entitled for filial consortium of

Rs.40,000/­         each,        the   petitioners     are      entitled    to

Rs.15,000/­ towards head funeral expenses, Rs.15,000/­

towards head loss of estate.

   17.        Therefore,     the       petitioners     are     entitled    for

compensation as under:­

       Sl.No. Head of Compensation                            Total
           1.     Loss of dependency                 Rs.19,96,800/­

           2.     Towards Loss of Estate             Rs.     15,000/­
           3.     Towards               Funeral Rs.          15,000/­
                  Expenses
           4.     Towards     Loss      of Rs.               40,000/­
                  Consortium to petitioner
                  No.1
         5.       Towards Loss of filial Rs.                 80,000/­
                  consortium to petitioner
                  No.6 and 7
                  (Rs.40,000/­ x 2)
                            Total                    Rs.21,46,800/­


    18.         ISSUE No.3 IN MVC No.7263/2019:­ It is the

case of the petitioner that, prior to the accident deceased

was earning Rs.30,000/­ per month as he is doing a coolie
 SCCH - 1                       16             MVC 7262/19 & 7263/2019

work daily earning Rs.1,000/­.       Except oral evidence of

PW.2 there is no material on record to prove the exact

income of the deceased. Considering the year of accident

notional income of Rs.13,000/­ is taken as income of the

deceased.    As there is no material to hold that deceased

was self employed or has a fixed salary. Therefore future

prospectus of the deceased is not considered.         From the

oral evidence of PW.2 petitioners proved that petitioner

No.1 is the wife, petitioners No.2 to 4 are children,

petitioners No.5 and 6 are parents of the deceased.

Thereby     deceased    Sanaulla    died   leaving   behind    6

dependents. Therefore 1/4th of the income is deducted

towards personal expenses of the deceased. 1/4 th of

Rs.13,000/­ comes to Rs.3,250/­ therefore an amount of

Rs.9,750/­ is available to calculate the loss of dependency.

By converting annual loss by multiplying 12 which comes

to Rs.1,17,000/­.      As per Ex.P.18 birth year of deceased

Sanaulla is of the year 1973. Therefore as on the date of

death he was 46 years old.
 SCCH - 1                                  17                 MVC 7262/19 & 7263/2019

       19.      As   per     the       principles   laid     down      by      their

Lordships in 2009 ACJ 1298 (Sarla Verma Vs Delhi

Transport Corporation), the multiplier applicable to the

present case is 13. Therefore under the head of loss of

dependency, the petitioners are entitled for compensation of

(Rs.1,17,000/­ X 13) Rs.15,21,000/­ under the head Loss

of dependency.

       20. Under           the     conventional        heads,     as     per    the

principles laid down in Pranay Sethi's case, the petitioner

No.1    is      entitled    for    consortium       of     Rs.40,000/­,         the

petitioners No.5 and 6 are entitled for filial consortium of

Rs.40,000/­          each,        the    petitioners       are     entitled      to

Rs.15,000/­ towards head funeral expenses, Rs.15,000/­

towards head loss of estate.

   21.       Therefore,          the     petitioners     are      entitled       for

compensation as under:­

       Sl.No. Head of Compensation                               Total
           1.     Loss of dependency                   Rs. 15,21,000/­

           2.     Towards Loss of Estate               Rs.       15,000/­
 SCCH - 1                         18             MVC 7262/19 & 7263/2019

           3.    Towards         Funeral Rs.      15,000/­
                 Expenses
           4.    Towards     Loss      of Rs.     40,000/­
                 Consortium to petitioner
                 No.1
       5.        Towards Loss of filial Rs.       80,000/­
                 consortium to petitioner
                 No.5 and 6
                 (Rs.40,000/­ x 2)
                         Total           Rs.16,71,000/­


    22.         In view of findings on issue No.1 in the

Affirmative. The respondent No.1 being the owner and the

respondent No.2 being the insurer of the offending vehicle

are jointly and severally liable to pay compensation to the

petitioners in both cases with interest at 6% p.a. from the

date of petition till realization. Hence, Issue No.3 and in

both the petitions are answered accordingly.

    23.         ISSUE No.4 IN BOTH THE CASES:­ In view of

my discussion made as above, I proceed to pass the

following:­

                              ORDER

M.V.C. No.7262/2019 SCCH - 1 19 MVC 7262/19 & 7263/2019 The petition filed by the petitioners is allowed in part against the respondent No.1 and 2.

The petitioners are entitled for compensation of Rs.21,46,800/­ with interest at the rate of 6% per annum from the date of petition till realisation.

The Respondents No.1 and 2 are jointly and severally liable to pay the compensation amount with interest. Respondent No.2 ­ Insurance Company is directed to pay the compensation amount within two months from the date of this order.

The amount of compensation is apportioned to the petitioner No.1 at Rs.6,46,800/­, petitioner No.2 to 5 at Rs.3,00,000/­ each and to the petitioner No.6 and 7 at Rs.1,50,000/­ each.

Out of the compensation amount apportioned in favour of the petitioner No.1, 50% with proportionate interest is ordered to be invested in high yielding fixed deposit in her name in any of the nationalized or scheduled bank of her choice for a period of 5 years. Remaining 50% with proportionate interest is ordered to be released to the petitioner No.1 under proper identification. Entire amount apportioned in favour of the petitioner No.2 to 5 shall be invested in high yielding fixed deposit in their respective names in any of the nationalized or scheduled bank on choice of SCCH - 1 20 MVC 7262/19 & 7263/2019 petitioner No.1 till they attain their majority. Petitioner No.1 is permitted to withdraw the periodical interest for the need of minor children. Entire amount with proportionate interest is ordered to be released to the petitioner No.6 and 7 under proper identification.

M.V.C. No.7263/2019 The petition filed by the petitioners is allowed in part against the respondent No.1 and 2.

The petitioners are entitled for compensation of Rs.16,71,000/­ with interest at the rate of 6% per annum from the date of petition till realisation.

The Respondents No.1 and 2 are jointly and severally liable to pay the compensation amount with interest. Respondent No.2 ­ Insurance Company is directed to pay the compensation amount within two months from the date of this order.

The amount of compensation is apportioned to the petitioner No.1 at Rs.6,21,000/­, petitioner No.2 to 4 at Rs.2,50,000/­ each and to the petitioner No.5 and 6 at Rs.1,50,000/­ each.

Out of the compensation amount apportioned in favour of the petitioners No.1 to 3, 50% with proportionate interest is ordered to be invested in high yielding fixed deposit in their respective names in any SCCH - 1 21 MVC 7262/19 & 7263/2019 of the nationalized or scheduled bank of their choice for a period of 5 years. Remaining 50% with proportionate interest is ordered to be released to the petitioner No.1 to 3 under proper identification.

Entire amount apportioned in favour of the petitioner No.4 shall be invested in high yielding fixed deposit in his name in any of the nationalized or scheduled bank on choice of petitioner No.1 till he attain his majority. Petitioner No.1 is permitted to withdraw the periodical interest for the need of minor children i.e. petitioner No.4. Entire amount with proportionate interest is ordered to be released to the petitioner No.5 and 6 under proper identification.

Advocate's fee is fixed at Rs.1,000/­ in each case.

Original judgment shall be kept in MVC No.7262/2019 and its copy in another case.

Draw decree accordingly.

(Dictated to the stenographer, transcription thereof, revised, corrected, signed and then pronounced by me in Open Court on 26.08.2021) (PRABHAVATI M.HIREMATH) Chief Judge, Court of Small Causes & Member, Prl. M.A.C.T. Bangalore.

SCCH - 1 22 MVC 7262/19 & 7263/2019 ANNEXURES Witnesses examined on behalf of the petitioners:

P.W.1 :       Shabana
P.W.2 :       Sabeena

Documents marked on behalf of the petitioners:

Ex.P­1 : FIR along with complaint Ex.P­2 : Spot mahazar Ex.P­3 : IMV report Ex.P­4 : Spot sketch Ex.P­5 : Inquest report Ex.P­6 : PM report Ex.P.7 Chargesheet Ex.P.8 Notarised copy of Adhaar card of deceased Nasir Ahmed Ex.P.9 Notarised copy of Adhaar card of petitioner No.1 in MVC 7262/2019 Ex.P.10 Notarised copy of Adhaar card of petitioner No.2 Ex.P.11 Notarised copy of Adhaar card of Petitioner No.3 Ex.P.12 Notarised copy of Adhaar card of petitioner No.4 Ex.P.13 Notarised copy of Adhaar card of petitioner No.5 Ex.P.14 Notarised copy of Adhaar card of petitioner No.6 Ex.P.15 Notarised copy of Adhaar card of petitioner No.7 Ex.P.16 Inquest report Ex.P.17 PM report Ex.P.18 Notarised copy of Adhaar card of SCCH - 1 23 MVC 7262/19 & 7263/2019 deceased Sanaulla Ex.P.19 Notarised copy of Adhaar card of petitioner No.1 Ex.P.20 Notarised copy of Adhaar card of petitioner No.2 Ex.P.21 Notarised copy of Adhaar card of petitioner No.3 Ex.P.22 Notarised copy of Adhaar card of petitioner No.4 Ex.P.23 Notarised copy of Adhaar card of petitioner No.5 Ex.P.24 Notarised copy of Adhaar card of petitioner No.6 Witnesses examined on behalf of the respondents :
None Documents marked on behalf of the respondents:
Ex.R.1       Policy copy




                             (PRABHAVATI M.HIREMATH)
                                     Chief Judge,
                               Court of Small Causes &
                                 Member, Prl. M.A.C.T.
                                        Bangalore.

*SR*