Delhi District Court
Pankaj Yadav vs Ajay Kumar on 29 May, 2025
IN THE COURT OF SHRI TARUN YOGESH
LD. PO-MACT-01, SOUTH-WEST DISTRICT,
DWARKA COURTS, NEW DELHI
MACT No. 73/2021
CNR No. DLSW01-000692/2021
FIR No. 106/2020
PS: Dwarka South
In the matter of :
1) Smt. Pankaj Kumari Yadav
W/o Sh. Kuldeep Yadav,
R/o RZ-317, Gali No.6, DDA Park,
Raj Nagar-2, Palam, Delhi. ... (Petitioner)
Versus
1) Sh. Ajay Kumar
S/o Sh. Ami Lal
R/o RZ-A-6, Jeewan Park,
Uttam Nagar, New Delhi. ... (Driver)
2) Sh. Mohit Sharma
S/o Sh. Madan Pal Sharma
R/o E54, Nanhe Park,
Uttam Nagar, Delhi-59. ...(Owner)
3) The Oriental Insurance Co. Ltd.
.... (Insurance company)
... Respondents
Date of Institution : 21.01.2021
Date of judgment : 29.05.2025
MACT No. 73/2021 Smt. Pankaj Yadav Vs. Ajay Kumar & Ors. Page 1 of 24
FORM - V
COMPLIANCE OF THE PROVISIONS OF THE
MODIFIED CLAIMS TRIBUNAL AGREED PROCEDURE
TO BE MENTIONED IN THE AWARD
1. Date of the accident 18.03.2020
2. Date of intimation of the accident by the Not Available
investigating officer to the Claims Tribunal
(Clause 2)
3. Date of intimation of the accident by the Not Available
investigating officer to the insurance company.
(Clause 2)
4. Date of filing of Report under section 173 Not Available
Cr.P.C. before the Metropolitan Magistrate
(Clause 10)
5. Date of filing of Detailed Accident Information 21.01.2021
Report (DAR) by the investigating Officer
before Claims Tribunal (Clause 10)
6. Date of Service of DAR on the Insurance 21.01.2021
Company (Clause 11)
7. Date of service of DAR on the claimant(s). 21.01.2021
(Clause 11)
8. Whether DAR was complete in all respects? Yes
(Clause 16)
9. If not, whether deficiencies in the DAR removed N/A
later on?
10. Whether the police has verified the documents Yes
filed with DAR? (Clause 4)
11. Whether there was any delay or deficiency on Yes
the part of the Investigating Officer? If so,
whether any action/direction warranted?
12. Date of appointment of the Designated Officer N/A
by the insurance Company (Clause 20)
13. Name, address and contact number of the N/A
Designated Officer of the Insurance Company.
(Clause 20)
14. Whether the designated Officer of the Insurance Not Available
Company submitted his report within 30 days of
MACT No. 73/2021 Smt. Pankaj Yadav Vs. Ajay Kumar & Ors. Page 2 of 24
the DAR? (Clause 20)
15. Whether the insurance company admitted the Not Available
liability? If so, whether the Designated Officer
of the insurance company fairly computed the
compensation in accordance with law. (Clause
23)
16. Whether there was any delay or deficiency on N/A
the part of the Designated Officer of the
Insurance Company? If so, whether any
action/direction warranted?
17. Date of response of the claimant (s) to the offer No
of the Insurance Company. (Clause 24)
18. Date of the Award 29.05.2025
19. Whether the award was passed with the consent No
of the parties? (Clause 22)
20. Whether the claimant(s) were directed to open Yes
saving bank account(s) near their place of
residence? (Clause 18)
21. Date of order by which claimant(s) were 21.01.2021
directed to open saving bank account (s) near his
place of residence and produce PAN Card and
Aadhar Card and the direction to the bank not
issue any cheque book/debit card to the
claimant(s) and make an endorsement to this
effect on the passbook(s). (Clause 18)
22. Date on which the claimant (s) produced the 24.03.2025
passbook of their saving bank account near the
place of their residence along with the
endorsement, PAN Card and Aadhar Card?
(Clause 18)
23. Permanent Residential Address of the RZ-317, Gali
Claimant(s) (Clause 27) No.6, DDA Park,
Raj Nagar-2,
Palam, Delhi
24. Details of saving bank account(s) of the S.B. Account
claimant(s) and the address of the bank with No.43767435963
IFSC Code (Clause 27) at SBI Dwarka,
Sector-10, Dwarka
Courts Complex,
Dwarka, New
MACT No. 73/2021 Smt. Pankaj Yadav Vs. Ajay Kumar & Ors. Page 3 of 24
Delhi (IFSC
Code:
SBIN0011566)
25. Whether the claimant(s) saving bank account(s) Yes
is near his/her place of residence? (Clause 27)
26. Whether the claimant(s) were examined at the Yes
time of passing of the award to ascertain
his/their financial condition? (Clause 27)
27. Account number, MICR number IFSC Code, Account No.
name and branch of the bank of the Claims 42709452600 at
Tribunal in which the award amount is to be SBI Dwarka,
deposited/transferred. Sector-10, Dwarka
Courts Complex,
IFSC Code:
SBIN0011566 &
MICR No.
110002483.
AWAR D
Preface
1. Detailed Accident Reports (DAR) seeking compensation
for bodily injury suffered by (i) Pankaj Kumari Yadav; (ii) Tilak
Mahto; (iii) Manoj; (iv) Tej Bahadur AND (v) Sandeep in motor
vehicle accident being subject matter of FIR No.106/2020 PS
Dwarka South are taken up together to be decided
simultaneously.
Background
2. As gleaned from Final Report under section 279/337/338/304A IPC, Smt. Pankaj Kumari Yadav standing at the Divider of the Main Road in front of Air Force & Naval Officers Enclave, Sector-7, Dwarka, New Delhi suffered bodily injury in motor vehicle accident on 18.03.2020 at about 9:45 am after RTV No.DL-1VC-0344 driven at high speed in zig-zag manner hit the Divider while trying to overtake DTC Bus and MACT No. 73/2021 Smt. Pankaj Yadav Vs. Ajay Kumar & Ors. Page 4 of 24 'Overturned' resulting in bodily injury to its occupants who were admitted in different hospitals upon following MLCs:
Sl. Name of Name of Hospital MLC No. Nature of No. injured Injury 1 Ishan Maharaja Agrasen 883/20 'Simple Hospital, Dwarka Injury' 2 Jogeshwar Akash Hospital, 714/20 'Simple Dwarka Injury' 3 Guli Mahto Akash Hospital, 715/20 'Simple Dwarka Injury' 4 Manoj Akash Hospital, 716/20 'Grievous Dwarka Injury' 5 Prateek Manipal Hospital, 510/20 'Simple Muniwal Sector-6, Dwarka Injury' 6 Smt. Pankaj Manipal Hospital, 511/20 'Grievous Yadav Sector-6, Dwarka Injury' 7 Tilak Mahto Ayushman 552/20 'Dangerous Hospital, Dwarka Injury' 8 Priyanka Ayushman 553/20 'Dangerous Hospital, Dwarka Injury' 9 Ram Bachan Ayushman 555/20 'Simple Hospital, Dwarka Injury' 10 Ratan Ayushman 557/20 'Simple Hospital, Dwarka Injury' 11 Prakash Ayushman 558/20 'Simple Hospital, Dwarka Injury' 12 Smt. Ayushman 559/20 'Simple Shahjahan Hospital, Dwarka Injury' 13 Anil Rawat Ayushman 560/20 'Simple Hospital, Dwarka Injury' 14 Tej Bahadur Ayushman 561/20 'Simple MACT No. 73/2021 Smt. Pankaj Yadav Vs. Ajay Kumar & Ors. Page 5 of 24 Rajbhar Hospital, Dwarka Injury' 15 Sandeep Ayushman 562/20 'Simple Hospital, Dwarka Injury'.
3. FIR No.106/2020 under section 279/337/338 IPC was registered at PS Dwarka South on 18.03.2020 and statement of Smt. Pankaj Kumari Yadav and Sh. Anoop Singh were recorded by the Investigating Officer. Injured Priyanka admitted at Ayushman Hospital, Dwarka upon MLC No.553/20 succumbed to injuries on 19.03.2020 and dead body of deceased was handed over to its relatives after identification and postmortem examination at DDU Hospital, Hari Nagar, Delhi.
4. Respondent Ajay Kumar (driver) produced by Mohit Sharma, SPA (possessory owner) pursuant to notice under section 133 of M.V. Act was formally arrested & released on police bail AND offending RTV No.DL-1VC-0344 seized from the spot was released on superdari after its mechanical inspection. Documents of RTV including RC, Permit, Fitness and Insurance Policy produced by Mohit Sharma (SPA) were verified from concerned authorities and offence under section 304A IPC was added on the basis of Postmortem Report No.438/20. IO, thereafter, concluded investigation and prepared DAR which was filed in Court along with copy of Final Report under section 279/337/338/304A IPC. Defence
5. Respondent Ajay Kumar (driver) has denied involvement and/or negligent driving of RTV by alleging false implication AND disputed liability to pay compensation by stating that offending vehicle was insured with Oriental Insurance Co. Ltd.
MACT No. 73/2021 Smt. Pankaj Yadav Vs. Ajay Kumar & Ors. Page 6 of 24from 11.09.2019 to 10.09.2020 vide Policy No. 215500/31/2020/2620.
6. No reply has been filed by Oriental Insurance Co. Ltd. Inquiry
7. Following issues were settled on 26.02.2024 and matter was posted for petitioner's evidence.
i. Whether injured Pankaj Yadav is entitled to receive compensation on account of injuries suffered due to rash and negligent driving of RTV No. DL-1VC-0344 by R1/Ajay Kumar (driver) on 18.03.2020 which vehicle was registered in the name of R2/Mohit Sharma and was insured with R3/Oriental Insurance Co. Ltd.? ... OPP ii. If issue No.1 is decided in affirmative, then what would constitute just compensation payable to injured and by whom? ...OPP iii. Relief.
8. Injured Smt. Pankaj Kumari Yadav examined as PW-1 has inter alia deposed about - (i) grievous injury sustained in road traffic accident on 18.03.2020 at about 9:45 am after RTV No.DL-1VC-0344 driven at high speed in zig-zag manner hit the Divider while trying to overtake DTC Bus and 'Overturned' resulting in bodily injury; (ii) MLC No.511/20 prepared at Manipal Hospital, Dwarka, Delhi where she remained admitted from 18.03.2020 to 20.03.2020; (iii) FIR No.106/20 under section 279/337/338/304A IPC registered at PS Dwarka South on 18.03.2020; (iv) expenses incurred on treatment, medicines, conveyance, attendant & special diet AND (v) general and special damages consequent to bodily injury sustained in road accident. She has also relied upon following documents:
MACT No. 73/2021 Smt. Pankaj Yadav Vs. Ajay Kumar & Ors. Page 7 of 24i. Discharge Summary & Medical Bills of Manipal Hospital Dwarka Pvt. Ltd.- Ex.PW-1/1 (Colly); ii. Copy of Aadhar Card - Ex.PW-1/2;
iii. Copy of PAN Card - Ex.PW-1/3;
iv. DAR/Final Report - Ex.PW-1/4;
v. Disability Certificate assessing 03% permanent physical disability in relation to left lower limb - Ex.PW-1/5.
9. Cross-examination of injured (PW-1) by Ld. counsel for insurance company has been recorded and petitioner's evidence was closed on 20.01.2025.
10. No witness has been examined by R1/driver, R2/owner and R3/insurer.
Discussion and Conclusion
11. Advocate Ms. Jyoti Gandhi for injured AND Advocate Sh.
Vikash Sharma for Oriental Insurance Co. Ltd. have addressed their submissions.
12. I have carefully perused pleadings and evidence adduced on judicial file. My issue wise finding is recorded below:
13. Issue No.1:
Whether injured Pankaj Yadav is entitled to receive compensation on account of injuries suffered due to rash and negligent driving of RTV No. DL-1VC-0344 by R1/Ajay Kumar (driver) on 18.03.2020 which vehicle was registered in the name of R2/Mohit Sharma and was insured with R3/Oriental Insurance Co. Ltd? ... OPP
14. PW-1 Smt. Pankaj Kumari Yadav has deposed about grievous injury sustained in road traffic accident on 18.03.2020 at about 9:45 am after RTV No.DL-1VC-0344 driven at high MACT No. 73/2021 Smt. Pankaj Yadav Vs. Ajay Kumar & Ors. Page 8 of 24 speed in zig-zag manner hit the Divider while trying to overtake DTC Bus and 'Overturned' resulting in bodily injury.
15. Her testimony has remained consistent and nothing material could be elicited during cross-examination of injured which could assail her testimony or impeach its veracity.
16. The fact that RTV No.DL-1VC-0344 driven at high speed in zig-zag manner hit the Divider while trying to overtake DTC Bus and 'Overturned' resulting in bodily injury to 14 passengers/occupants and death of Priyanka D/o Sanjeev Sharma who died on 19.03.2020 in course of treatment at Ayushman Hospital, Dwarka, New Delhi is sufficient for applying the principle of res ipsa loquitor.
17. Negligence in the normal parlance is understood as failure to take proper care which a reasonable man would have done under the circumstances and normal rule for the plaintiff to prove negligence is sought to be avoided by applying the principle of res ipsa loquitor. The general purport of the words res ipsa loquitor is that the accident "speaks for itself" or tell its own story and there are cases in which the accident speaks for itself so that it is sufficient for the plaintiff to prove the accident and nothing more. It will then be incumbent upon the defendant to establish that the accident happened due to some cause other than his own negligence.
18. It is all the more well settled law that negligence of the driver in case of road traffic accident is required to be established on the touchstone of preponderance of probability and standard of proof beyond reasonable doubt does not apply to claim petitions under Motor Vehicle Act as held by Hon'ble Supreme MACT No. 73/2021 Smt. Pankaj Yadav Vs. Ajay Kumar & Ors. Page 9 of 24 Court of India in para 15 of Bimla Devi & Ors. Vs. Himachal Road Transport Corporation & Ors (2009) 13 SCC 530.
19. Following observations in para 15 of aforesaid judgment of Hon'ble Apex Court being relevant are extracted herein below:
"15. In a situation of this nature, the Tribunal has rightly taken a holistic view of the matter. It was necessary to be borne in mind that strict proof of an accident caused by a particular bus in a particular manner may not be possible to be done by the claimants. The claimants were merely to establish their case on the touchstone of preponderance of probability. The standard of proof beyond reasonable doubt could not have been applied...."
20. Similar observation has been recorded by Hon'ble High Court of Delhi in para 12 of its judgment delivered in National Insurance Co. Ltd. Vs. Smt. Pushpa Rana & Ors. 2007 SCC Online Del 1700 by holding that proceedings under Motor Vehicle Act are not akin to proceeding in a civil suit hence strict rules of evidence are not required to be followed and FIR against the driver along with criminal record of the case showing completion of investigation by the police leading to Final Report are sufficient proof to reach the conclusion that the driver was negligent.
21. FINDING: Issue No.1 is therefore decided by holding that grievous injury sustained by Smt. Pankaj Kumari Yadav in road accident on 18.03.2020 was caused as a result of rash and negligent driving of RTV No.DL-1VC-0344 by R1/Ajay Kumar (driver) which vehicle was under control and possession of R2/Mohit Sharma (SPA) and insured with Oriental Insurance Co. Ltd.
MACT No. 73/2021 Smt. Pankaj Yadav Vs. Ajay Kumar & Ors. Page 10 of 2422. Issue No.2 If issue No.1 is decided in affirmative, then what would constitute just compensation payable to injured and by whom? ... OPP
23. Smt. Pankaj Kumari Yadav having suffered bodily injury in motor vehicle accident was shifted to Manipal Hospital, Sector-6, Dwarka, New Delhi where MLC No.511/20 was prepared and injured underwent 'ORIF with Volar Plate for Fracture Distal Radius Left Side' in course of treatment from 18.03.2020 to 20.03.2020.
24. She was also examined by the Medical Board, DDU Hospital, Hari Nagar, New Delhi and Disability Certificate assessing 03% permanent physical disability in relation to left lower limb has been referred as Ex.PW-1/5.
25. Quantum of compensation is required to be assessed separately under pecuniary and non-pecuniary heads.
26. At the outset, it has to be borne in mind that compensation is not expected to be a windfall or a bonanza nor it should be niggardly and Courts & Tribunals have a duty to weigh the various factors and quantify the amount of compensation which should be just. What would be "just" compensation is a vexed question. There can be no golden rule applicable to all cases for measuring the value of human life or a limb. Measure of damages cannot be arrived at by precise mathematical calculations. It would depend upon the particular facts and circumstances, and attending peculiar or special features, if any, as held by Hon'ble Supreme Court of India in Helen C. Rebello Vs. Maharasthra SRTC, 1999 (1) SCC 90.
MACT No. 73/2021 Smt. Pankaj Yadav Vs. Ajay Kumar & Ors. Page 11 of 2427. Following para of judgment of Hon'ble Supreme Court of India in R.D. Hattangadi Vs. Pest Control (India) Pvt. Ltd. & Ors. (1995) 1 SCC 551 being relevant is extracted herein below:
"9. Broadly speaking while fixing an amount of compensation payable to a victim of an accident, the damages have to be assessed separately as pecuniary damages and special damages. Pecuniary damages are those which the victim has actually incurred and which are capable of being calculated in terms of money; whereas non-pecuniary damages are those which are incapable of being assessed by arithmetical calculations. In order to appreciate two concepts pecuniary damages may include expenses incurred by the claimant: (i) medical attendance; (ii) loss of earning of profit up to the date of trial; (iii) other material loss. So far non-pecuniary damages are concerned, they may include (i) damages for mental and physical shock, pain and suffering, already suffered or likely to be suffered in future; (ii) damages to compensate for the loss of amenities of life which may include a variety of matters i.e. on account of injury the claimant may not be able to walk, run or sit; (iii) damages for the loss of expectation of life, i.e., on account of injury the normal longevity of the person concerned is shortened; (iv) inconvenience, hardship, discomfort, disappointment, frustration and mental stress in life."
28. Heads of compensation under pecuniary and non- pecuniary damages have been further explained by Hon'ble Apex Court in para 6 of Raj Kumar Vs. Ajay Kumar & Anr. (2011) 1 SCC 343 which reads as under:
"6. The heads under which compensation is awarded in personal injury cases are the following:MACT No. 73/2021 Smt. Pankaj Yadav Vs. Ajay Kumar & Ors. Page 12 of 24
Pecuniary damages (Special Damages)
(i) Expenses relating to treatment, hospitalization, medicines, transportation, nourishing food, and miscellaneous expenditure.
(ii) Loss of earnings (and other gains) which the injured would have made had he not been injured, comprising :
(a) Loss of earning during the period of treatment;
(b) Loss of future earnings on account of permanent disability.
(iii) Future medical expenses.
Non-pecuniary damages (General
Damages)
(iv) Damages for pain, suffering and trauma as a consequence of the injuries.
(v) Loss of amenities (and/or loss of prospects of marriage).
(vi) Loss of expectation of life (shortening of normal longevity).
In routine personal injury cases, compensation will be awarded only under heads (i), (ii)(a) and (iv). It is only in serious cases of injury, where there is specific medical evidence corroborating the evidence of the claimant, that compensation will be granted under any of the heads (ii)(b), (iii),
(v) and (vi) relating to loss of future earnings on account of permanent disability, future medical expenses, loss of amenities (and/or loss of prospects of marriage) and loss of expectation of life.
NATURE AND EXTENT OF INJURIES
29. Injured Smt. Pankaj Kumari Yadav having suffered bodily injury in motor vehicle accident was shifted to Manipal Hospital where MLC No.511/20 was prepared recording 'Grievous Injury'. She remained admitted at the hospital and underwent MACT No. 73/2021 Smt. Pankaj Yadav Vs. Ajay Kumar & Ors. Page 13 of 24 'ORIF with Volar Plate for Fracture Distal Radius Left Side' in course of treatment from 18.03.2020 to 20.03.2020.
30. No other document has been filed on record or relied in evidence to show any other injury.
MEDICINES AND TREATMENT
31. PW-1 Smt. Pankaj Kumari Yadav has deposed to have spent Rs.4,00,000/- on medicine & treatment. Injured during cross-examination by Ld. counsel for insurance company has nonetheless admitted that Medical Bills against Admission & Treatment at Manipal Hospital, Sector-6, Dwarka, Delhi were not paid by her and she has incurred expenses on Medicines and Treatment after being discharged from the hospital.
32. Aggregate sum of Rs.9,329/- (Rupees Nine Thousand Three Hundred & Twenty Nine only) against (i) Bills of Supply AND (ii) Tax Invoice - Ex.PW-1/1 (Colly.) is awarded to injured towards pecuniary damage under the head - Medicine & Treatment.
CONVEYANCE AND SPECIAL DIET
33. PW-1 Smt. Pankaj Kumari Yadav in para 6 of affidavit Ex.PW-1/A has deposed to have spent Rs.1,00,000/- each on conveyance and special diet. However, no bill/documentary proof has been adduced in evidence verifying expenses incurred on Conveyance & Special Diet. Discharge Summary & Treatment Record reveals that injured remained admitted at Manipal Hospital, Sector-6, Dwarka, Delhi from 18.03.2020 to 20.03.2020 continued to visit the hospital for 'Consultation' till 06.06.2020. It is assumed that injured might have used private vehicle/hired taxi for visiting hospital for Consultation till MACT No. 73/2021 Smt. Pankaj Yadav Vs. Ajay Kumar & Ors. Page 14 of 24 06.06.2020. Accordingly, a sum of Rs.10,000/- (Rupees Ten Thousand only) is awarded to injured towards conveyance.
34. Similarly, injured Smt. Pankaj Kumari Yadav must have also needed special diet for full and complete recovery from Intra Articular Fracture Distal Radius Left Side. Another sum of Rs.30,000/- (Rupees Thirty Thousand only) is therefore awarded towards special diet.
ATTENDANT CHARGES
35. Injured Smt. Pankaj Kumari Yadav having suffered Intra Articular Fracture Distal Radius Left Side resulting in 03% permanent physical disability in relation to left lower arm/limb might have needed an attendant to assist her for around four months even if such gratuitous service was rendered by some or the other of her family/relatives. Hon'ble High Court of Delhi in Delhi Transport Corporation and Anr. Vs. Kumari Lalita 1982 SCC Online Delhi 123 has held that the victim cannot be deprived of compensation towards gratuitous service rendered by some of her family member. Accordingly, in the facts and circumstances of the case and in view of material on record, she is awarded Rs.10,000/- x 4 months = Rs.40,000/- (Rupees Forty Thousand only) towards attendant charges. LOSS OF INCOME
36. PW-1 Smt. Pankaj Kumari Yadav during cross- examination by Ld. counsel for insurance company has denied suggestions disputing monetary loss due to accident by claiming that she used to give Home Tuitions at the time of accident. Injured, nonetheless, has claimed about teaching job at Govt. Co- ed. SSS, No.3, Palam Enclave, New Delhi since 2022 and MACT No. 73/2021 Smt. Pankaj Yadav Vs. Ajay Kumar & Ors. Page 15 of 24 admitted she was not working in the school at the time of accident.
37. Since Smt. Pankaj Kumari Yadav had completed B.Sc. & B.Ed., so monthly income of injured in the absence of Passbook and/or documentary evidence verifying income from Home Tuitions is taken as per minimum wage of 'Graduate' @ Rs.19,572/- applicable in Delhi w.e.f. 23.10.2019.
38. Injured Smt. Pankaj Kumari Yadav remained admitted at Manipal Hospital, Sector-6, Dwarka, New Delhi from 18.03.2020 to 20.03.2020 for treatment of Intra Articular Fracture Distal Radius Left Side and continued to visit the hospital for 'Consultation' till 06.06.2020. It is assumed that injured would have taken around four months to recover from fracture injuries. She is, therefore, awarded Rs.19,572/- x 04 months = Rs.78,288/- (Rupees Seventy Eight Thousand Two Hundred & Eighty Eight only) towards loss of earning in course of treatment and recovery from injury sustained in road accident. PAIN AND SUFFERING
39. Following factors are to be taken into account for assessing compensation under the head - Pain and Suffering:
i. Nature of injury;
ii. Parts of body where injuries occurred; iii. Surgeries, if any;
iv. Confinement in hospital; v. Duration of the treatment.
40. Hon'ble Supreme Court of India in para 9 of Arvind Kumar Mishra Vs. New India Assurance Co. Ltd. & Anr. (2010) 10 SCC 254 has observed that whole idea in case of assessment of all damages for personal injury is to put the MACT No. 73/2021 Smt. Pankaj Yadav Vs. Ajay Kumar & Ors. Page 16 of 24 claimant in the same position as he was insofar as money can. Perfect compensation is hardly possible but one has to keep in mind that the victim has done no wrong; he has suffered at the hands of wrongdoer and Court must take care to give him full and fair compensation for that he had suffered.
41. Injured Smt. Pankaj Kumari Yadav remained admitted Manipal Hospital, Sector-6, Dwarka, New Delhi from 18.03.2020 to 20.03.2020 for treatment of Intra Articular Fracture Distal Radius Left Side and continued to visit the hospital for 'Consultation' till 06.06.2020. It would be apposite to award her a sum of Rs.30,000/- (Rupees Thirty Thousand only) under the head - 'Pain & Suffering' AND additional Rs.20,000/- (Rupees Twenty Thousand only) as damage for 'Mental and Physical Shock'.
LOSS OF AMENITIES AND LIFE
42. Injured Smt. Pankaj Kumari Yadav having suffered Intra Articular Fracture Distal Radius Left Side has been opined as case of post traumatic Left Limb stiffness wrist with permanent physical disability of '03% (Three Percent) in relation to left lower limb' which is likely to affect her ability to participate in normal activities, social interactions and overall health, well- being and quality of life. Accordingly, a sum of Rs.50,000/- (Rupees Fifty Thousand only) is awarded to injured Smt. Pankaj Kumari Yadav under the head - loss of amenities. LOSS OF FUTURE INCOME/PROSPECTS
43. Disability Certificate No. F.1(1)/DDU/MB/2022/19718 dated 01.06.2022 opining patient as a case of post traumatic Left Limb stiffness wrist with permanent physical disability of '03% MACT No. 73/2021 Smt. Pankaj Yadav Vs. Ajay Kumar & Ors. Page 17 of 24 (Three Percent) in relation to left lower limb' has been refereed as Ex.PW-1/5.
44. Injured Smt. Pankaj Kumari Yadav during cross- examination by Ld. counsel for insurance company has claimed about monthly income by giving Home Tuitions and deposed to have joined teaching job at Govt. Co-ed. SSS, No.3, Palam Enclave, New Delhi since 2022. It is, therefore, evident that Smt. Pankaj Kumari Yadav has not suffered any loss of future income/prospect as a result of 03% permanent physical disability of Left Lower Arm/Limb. She is, therefore, not entitled to any compensation towards Loss of Future Income/Prospects.
45. Break-up of compensation awarded to injured under pecuniary and non-pecuniary heads is mentioned below in tabulated form:
S. No. HEADS AMOUNT (in
Rupees)
1. Medicines & Treatment Rs.9,329/-
2. Conveyance Rs.10,000/-
3. Special Diet Rs.30,000/-
4. Attendant Charges Rs.40,000/-
5. Loss of Income Rs.78,288/-
6. Pain & Suffering Rs.30,000/-
7. Mental & Physical Shock Rs.20,000/-
8. Loss of amenities of life Rs.50,000/-
9. Loss of future income/prospect -
TOTAL Rs.2,67,617/-
rounded off to
Rs.2,67,700/-
INTEREST
MACT No. 73/2021 Smt. Pankaj Yadav Vs. Ajay Kumar & Ors. Page 18 of 24
46. There is nothing on record to justify withholding interest on the award amount. Having regard to the facts and circumstances of the present case, it will be just and proper to grant interest @ 7.5% per annum on the award amount in terms of judgment of Hon'ble Supreme Court of India in National Insurance Co. Ltd. Vs. Mannat Johar & Anr. (2019) 15 SCC
260. Injured is therefore awarded interest @ 7.5% per annum upon award amount Rs.2,67,700/- (Rupees Two Lakhs Sixty Seven Thousand & Seven Hundred only) from the date of filing of DAR on 21.01.2021 till notice of deposit under Order XXI Rule 1 CPC to petitioner/counsel.
LIABILITY
47. R1/Ajay Kumar (driver) being principal tortfeasor driving RTV No.DL-1VC-0344 in rash and negligent manner resulting in accident and R2/Mohit Sharma (owner) being vicariously liable for the act of the driver are liable to pay compensation amount with interest. However, since RTV No.DL-1VC-0344 was insured against Third Party Risk so, R3/Oriental Insurance Co. Ltd. being statutorily liable under Section 149 (1) of M.V.Act shall pay compensation along with interest to injured in the absence of any statutory defence under section 149(2) of M.V. Act.
48. FINDING : Issue No.2 is decided accordingly by holding that R3/Oriental Insurance Co. Ltd. shall pay the award amount with interest to injured.
RELIEF
49. Thus, in view of foregoing discussion & conclusion and having regard to the facts and circumstances of the present case, award for a sum of Rs.2,67,700/- (Rupees Two Lakhs Sixty MACT No. 73/2021 Smt. Pankaj Yadav Vs. Ajay Kumar & Ors. Page 19 of 24 Seven Thousand & Seven Hundred only) along with interest @ 7.5% p.a from the date of filing of DAR on 21.01.2021 till notice of deposit under Order XXI Rule 1 CPC is passed in favour of injured and against all respondents.
50. The above-said compensation amount with interest shall be paid to injured by R3/Oriental Insurance Co. Ltd.
51. FORM-IVB SUMMARY OF THE COMPUTATION OF AWARD AMOUNT IN INJURY CASE TO BE INCORPORATED IN THE AWARD
1. Date of accident : 18.03.2020
2. Name of the injured : Smt. Pankaj Kumari Yadav
3. Age of the injured : 28 years & 07 months
4. Occupation of the injured : Home Tuitions
5. Income of the injured : Rs.19,572/- (minimum wage of 'Graduate' applicable in Delhi w.e.f. 23.10.2019)
6. Nature of injury : Grievous
7. Medical treatment taken : Manipal Hospital, Sector-6, by the injured Dwarka, Delhi
8. Period of hospitalization : 18.03.2020 to 20.03.2020
9. Whether any permanent : Yes disability? If yes, give details.
10. Computation of Compensation S. No. Heads Awarded by the Tribunal
11. Pecuniary Loss:
MACT No. 73/2021 Smt. Pankaj Yadav Vs. Ajay Kumar & Ors. Page 20 of 24(i) Expenditure on treatment Rs.9,329/-
(ii) Expenditure on conveyance Rs.10,000/-
(iii) Expenditure on special diet Rs.30,000/-
(iv) Cost of nursing/attendant Rs.40,000/-
(v) Loss of earning capacity -
(vi) Loss of income Rs.78,288/-
(vii) Any other loss which may require -
any special treatment or aid to the
injured for the rest of his life
12. Non-Pecuniary Loss:
(i) Compensation for mental and Rs.20,000/-
physical shock
(ii) Pain and suffering Rs.30,000/-
(iii) Loss of amenities of life Rs.50,000/-
(iv) Disfiguration -
(v) Loss of marriage prospects -
(vi) Loss of earning, inconvenience, -
hardship, disappointment,
frustration, mental stress,
dejectment and unhappiness in
future life etc.
13. Disability resulting in loss of earning capacity:
(i) Percentage of disability assessed 03% (Permanent and nature of disability as Physical permanent or temporary Disability)
(ii) Loss of amenities of loss of -
expectation of life span on account of disability
(iii) Percentage of loss of earning -
capacity in relation to disability
(iv) Loss of future Income - (Income x -
% Earning Capacity x Multiplier)
14. TOTAL COMPENSATION Rs.2,67,617/-
rounded off to Rs.2,67,700/-
MACT No. 73/2021 Smt. Pankaj Yadav Vs. Ajay Kumar & Ors. Page 21 of 2415. INTEREST AWARDED
16. Interest amount up to the date of @ 7.5% p.a. from award the date of filing of DAR on 21.01.2021 till notice of deposit under Order XXI Rule 1 CPC
17. Total amount including interest Rs.2,67,700/- + interest @ 7.5% p.a. from the date of filing of the DAR on 21.01.2021 till notice of deposit under Order XXI Rule 1 CPC
18. Award amount released As per table given below
19. Award amount kept in FDRs As per table given below
20. Mode of disbursement of the By credit in the award amount to the claimant(s). SB Account of the injured 21 Next Date for compliance of the 19.07.2025 award.
52. The award amount shall be deposited by respondent Oriental Insurance Co. Ltd. in Account No.42709452600 of MACT, South West, Dwarka Courts, New Delhi at State Bank of India, District Court Complex, Sector-10, Dwarka, New Delhi (IFSC Code SBIN0011566 and MICR Code 110002483) through RTGS/NEFT/IMPS within 30 days of award as per section 168(3) of M.V. Act under intimation to the Nazir of this court with proof of notice to the claimant/injured and his counsel.
MACT No. 73/2021 Smt. Pankaj Yadav Vs. Ajay Kumar & Ors. Page 22 of 2453. Statement of injured Smt. Pankaj Kumari Yadav regarding financial status, needs and liabilities has been recorded. In view of the said statement and having regard to the facts and circumstances of the present case, the award amount shall be disbursed in following manner:-
S. Name Status Amount of Release Amoun N Award Amount t of o FDR
1. Smt. Injured Rs.2,67,700/- + Rs.2,67,700/- Nil Pankaj interest @ with Kumari 7.5% p.a. from proportionate Yadav the date of interest in filing of the MACT Claims DAR on SB Account of 21.01.2021 till injured notice of deposit under Order XXI Rule 1 CPC
54. Injured has mentioned details of SB Account No.43767435963 with State Bank of India, District Court Complex, Sector-10, Dwarka, New Delhi (IFSC Code SBIN0011566) in his statement recorded on 24.03.2025 and it is requested that cash amount may be transferred in the said SB Account.
55. Accordingly, Manager, State Bank of India, District Courts Complex, Sector-10, Dwarka, New Delhi is directed to transfer Rs.2,67,700/- with proportionate interest in SB Account No.43767435963 with State Bank of India, District Court Complex, Sector-10, Dwarka, New Delhi (IFSC Code SBIN0011566).
MACT No. 73/2021 Smt. Pankaj Yadav Vs. Ajay Kumar & Ors. Page 23 of 2456. Respondent Oriental Insurance Co. Ltd. shall inform injured/counsel regarding award amount being deposited in MACT Account through registered post.
57. Copy of award be sent to the Manager, SBI, District Courts Complex, Sector-10, Dwarka, New Delhi for information/ compliance.
58. Dasti copy of award be given to Ld. Counsels for injured and insurance company.
59. Ahlmad is directed to prepare separate miscellaneous file to be listed on 19.07.2025 for filing compliance report.
60. File be consigned to Record Room.
Digitally signed by TARUN TARUN YOGESH
Announced in the open Court YOGESH Date:
on 29.05.2025 2025.05.31
16:59:27 +0530
(Tarun Yogesh)
PO, MACT-01, Dwarka Courts,
New Delhi
MACT No. 73/2021 Smt. Pankaj Yadav Vs. Ajay Kumar & Ors. Page 24 of 24