The Dy Manager United India Insurance Co ... vs Capt Vijaya Vittal K Gudi @ Capt V K Gudi on 23 March, 2011

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Karnataka High Court

The Dy Manager United India Insurance Co ... vs Capt Vijaya Vittal K Gudi @ Capt V K Gudi on 23 March, 2011

Bench: Ajit J Gunjal, C.R.Kumaraswamy

IN "¥"HE HEGH CC=€_}R3" GE: F(ARNATﬁ«.E<A AT B."3iNGALO$I"EE. 

DAEED "mm THE 23% my 09 MARCH 2G_1.1;..3;_ * 

PRESENT

THE HONELE MRJUSTICE:£x3Ai"§"§IAG[;JNJ.;Ai; "  

AND
ma HONBLE MR.3USTIC E'-;C;"R.». KUV.M'A.RA.S$fJAu{VE"4%fV 3

MISCELLANEDUS FIRvS'?T.V_APPEA'L"§-IQ.u"?3§ QF 2 G'CrS (MV)

$E?WEEN:

THE DEPUTY MANAGER_   _  _  

L3NET%ZE."} INDIA INSUR:ANC';E,'CIC3 1:21;) 2:   A 

REGIONAL OFFICE,    ~    
SHAN§<ARANARAY;€xNA f-3'u1L;'a:~rrs:z::.    

!*v§.G.ROAD, BANGALORE 14,560 09-2.  . A  .,,APPELLANT

(BY SR3: M U P(:I$iV32\}f;£'..¢f%9*i:'ab,'4):k.{§ii'C){iA'FE)

AND:
z. CAWT. 'VIEAYA v;*--:fTA;; 'K GU91 @
 CAPT}-'Rf I<'<:;1;m "  
 ._ $,«'{3,._;<LVi--§3.'J 91 AGED 3'S'"YEARs
, R/AT h'Q.6§},--MAE\i3UNﬁxTHA NILA':';%
 R.':"xM£~;K?;EvF§HP»ix5£§?Pil;-LAYCGJT
*Rr~z'.x;§" 2§""'Sj'§'.$GE.."v.*"'
8*,-'§?»5{'?eﬁ.LO&E€~j 5535 0%

 2- MR xi'HAr€ED':§HARIFF

 §'v'f§'>x30§ R/ff-KT G 9 TRﬁfv'ELS
X "  NCRQ, TANK BUND ROAD
~. '{'}PP'"T7Q KSRTC BUS STAT§O§'a£
=Ei2'%i"E:f'3£¥.L.GRE W 560 {fJC!§. ,,gRESPONFZ3EN"{S

    Q53? gm: VISHLAXA mmrmg, ABVQCATE $532 RESPONQENT 953,2,

?;EE$PO%'*iDEF'~£"'? f':IOk2--SERVEQ .ﬁsN[} iJE\IREPRESEF~I"¥"§D}



THIS f'4ESC§LLANEQL}S FIRST APPEAL ES FILED UNDER SEC"?I{3I'«;§--._§."}'3{l)
U?' MOTOR 's/EHICL5S ACT AGAINSY YHE JUQGMENT AND A\rVARD._D'£\?ES:
26.8,2C38<§« PASSED IN PWC I\§Ox3G§8,f1§95 ON THE §'ILE BF ?HE C«HVIF_F_;"?U'i?GE
& PR1" f'/i.;l.C.T., COURT SF SMALL CAUSES, 3ANG§LORE,,~~{SCCH;NjO.1},

AWARDING COMPENSATEQN OF %2E,43,§28;'~ WITH INYEREEZT 33$?-5:3/Q 

ANS DERECTENG THE i3\P§3ELLi1U\%T HEREIN TO EEEPQSET THE Sf'-J_'_V'1E¢  '

"ms MISCELLANEOQS FIRST APPE£z;L;""Cf3MING  §;§»I%;17I.'F<jt<v.'_jr;?1r4é;>,Lj'

HEARING BE:"F(}R§ ma scum THES DAY, AJITZZJ G1J_NJa'»'s1§,gJ,; A{3E.LI\lE§?{ED,TH%:E
F£"}LL©'v"JIl'*»é€§:~   '  * _ ».  

Surﬁng the COUFSE cf the jud__:g:i"1?'£c:=.fr"a--t,; *{hé';3.é1§fi:ies %wouid be
referred ta as per their ra§:V¥<'i«-nig ,b é.f0r;§:* vvf,.F'i"c3»_'Lf%?"{é'i;:£s..;r"aaE.
2. Young Captain §r1:.~"s;'i*";eI";:~2zFrT'r'1§c_J_'ftzrcﬁéééKavas befere the

Tribunai seeking fgr =Ij_§2eéj"E.z"a'J{.u:n9'i'éVS suffered by him in

the accident. _ é ' h
3. Th§é'.faﬁts' V,*:hhe disposal of this appeal can

be summa_r_Eseﬂ a5 f'oiIVr%)\9f';sA:~--._»' 
 T%.§: ei§'«:.ci3»;3;jA§:r:7;2nt'éé;%'a'gV...t.raveEiing in a Bus bearing regigtratiera

E\§.é;..%{£x~§3{)§2~T?':?.S£*3----2S;'26.4.1995 aiang with Gtther occupants

 §~*§Aa¥.}éri i:«o'.V B}';.f»:.é:§gaE9:"e. The said Bus was being driven by its

_ '--« _Cjfu!""i'v'_:eE" and~.E ta'*;!azé2s maaeedizzg an Natianai Highwawé. It is the

 éféja «::£aima:':f: that driver af the said Bug was driving the

' 3§a?'rh@ ;é§2 a rash am negiégent manner 39 ag ta endanger the":

Z

  



human ﬁfe. It Es trig case that what': the Bus; reamed ﬁmmghatti

véifage, the driver East cantrsé over the Eus arm hit 

regztltaﬁt effect was that the said E3u$ turtieti 0t;A«':_:i'ts.:§ts3§ft"

Consequentiy, the ctaémant and somr;:li:t'i1er_ 'r.)c<:;L:§:$g3"r'2jtsV of the

saiﬁ E3143 were Satiouﬁy injured,' Thé"r,;la"é_tt9sant F335'-",-;-s§*1itt_£éd_Vtt%_

Chigatageri Genera} Hrsspitaﬁ, Davatf:"a.gere# fQr'tr;e1_atfr;itéé1't.'V That'

ctaimant wag admitted ts C£iStJEiHCyAt"J\}'a*.§':t(j;. ﬂ'i'3.t_:ty tiécictoréj attended
the ciaimant and on examixtﬁétatizjta  'tf:§3Vti't?%I4"s'_V__seriou5 injuriest
They aiso noticed  the left ieg am
sweiiing and t§véjr..?'t't:ev"::'V_!ﬁ'§§(e.r'third of ieft ¥eg and
fracture ofVti;o't::.u."?$1fs:e' .;lf:):'§7'3?':";«es§~kit'?-V'Eéfi?".\"'i'@9V§and ieft feet was badiy
crushed atvithé'  Musdes, tendons, vessels

and 23!! ta_nsa¥V't"t)tme3$:-v.wéfé"~.-éxposed and crushed. The duty

3:i'?o~<:.t;ors._':§;§':hQ_._tAVatt_endt:d*t--he*daimants, referred to the radioiogy

dejg:artn«fienAt"até'¢;;t ;<:;Tr&ys were taken, The claimant was thereafter

"V"»..___,§&fetré<°% 't§  Hcsgpétai, mvanagete' Me was admitteﬁ ass

_ j...g§'n"~§_;mat:e:t§:{*;_3"t':e watmﬁ debtédement was gong te the §§"'$_'§U¥"§€$

'j._'_"'aA_:f':i;'fit '§it}é '§«§~3ft feat was amputed at the amide jaint as Ei: was

V' Vf('-{§_t'a"'méjtEca£§\; cat. The necessary treatment wag affered.

  



Thereafter, the eiaémeht was shifted tats Air ?er::e Cerhrrsahd

Heeeitei, Beegeéere, eh ?,1?.§m9§S:

4. The ciaimani: was an Army Officer and eﬁein veheivbhé 

date ef' fiiéng of petition, he was sti¥'!Je:€t:§er h-{re-at;th'e.r_:i: Er;i' the

hespitai, The treatment was C{)F}ti{3U€5w__¥';U.¥f. 5ehg]_*v_hA;3;5ez*§::%d'V.':.i"*Tvh'e.VL

Claimant was thereafter shifted tee'-@f;e.rnmiar:d_V'Hn:epi'fei"et' Pane'

and once again he was Shifte..{_j to.~Cerh§iff;ah'd.._Hospita§,""BangaEere£
It is his case that he was in -hee'p'it:ei" fg).;f:T"eK(e'?f'_',.a eeriod of 412
days. Hence,g'f:hﬂe-- ciaém  iodged seeking

compensatieh ien_.."vef'iei.:sErteéijding loss of future

prospects, :'!f3av__Er:g;jA' 'Ee;3a__rEfVeto«..1f_he._\_m_j::ry and aiso the fact that due
in the €njuryhe wee' CVaVte{;cr'?ee,ed'efs a medicai.

5._3_{h"re.sp0n§e.ﬁ?:§V'the: netice issued by the Tribunal, the 2""

V.teeeeszsjeiztféiieedj 'e.h}e<::tEon$, ihtewalia Centeeding that the cieim

§eee§f._"é7e___.f'ri:§e§eu$§;""eeﬁ vexetéeee and the same is net

:"h_e%ete2é€ee£e:.' "They weuéd §%ee:.,:i;e the age, eeeeeetéee, Eheeme

ﬁ '.'a'44E'17s:?i,.'V:p!a<;fe, Qafaée ef accident am the Enjuries suffered' The sum

 aha "'ee'ibs§%enee is that there was to:a§ deniai ef the avermehts

T ;hede'?in the eéaém eetitieh. They weeﬁe e§se contend that the 

 
 



Efahéiity of the insurer is subject {:0 the terms anﬁ €or':di:i:.::_r':$ 0?
EM pséicyi, They weuéé aiga contend that the drive;j_§§ ;t'§;€iE-..V§s:V§
wag rsét negiigent én driving the vehicie.

6, After the pieaﬁings were <:om¢iAété;«t_he' n1ai::tj'e»r_V;§J'é£1t 

tria£ anti during the Ceurse ofﬁréali"t_hé._cﬁaimafﬁi*é><a'm'i':<1é{i--. 

himseif a3 PW2 and one Major S,E:3-:.:§esshpa.ra'c:1::§_ 'as:.'.=P\}V'.4HHén1d two 

dcctors as PWs«;,3 and S. E§<;~::;_.P1  §3}e.r_e ma'rf<"ed' wh§ch are
in the nature of Police notice, FIR',.L' <i3:h;;1.§i'rii;;.ﬁgaund certificate,
disabiiity certif§cat§2,"$,a{_'ary :é:eri__;ifE':;*ateA}""ﬁ'E§~eVﬁgfegorisation medical

board certificataiﬁ a§:.r':'d>:"'rﬁ3e.d:iC'aiI'j'.--bbaﬁﬁ Vb-focéedings. The Tribune}

having regard to 1t§i*§é'_r:.;a_V€L:%re'..gj"f'-injuriies and afso the fact that the
ciaimant was"9,e4kv%inig"i.ri "I.r§d:i<é':1.LV'LAVr .n1y hag awarded compensation

of 2*23,43;;928/--» ::.Vnde_if v'ari{§us. heads, out of which %2,0o,o0o/-» is

:'t::;  Thug the tote! compensation which was

4th§§"C9urt,

awm _@'::§_'_:»$:xa"S4  ,=iiV§:'e~;'"928/ --.

1?."'}J'Egg"%:§ :.=3a%<;%:<;? $3: {he gaéd juégmant am awafd, %%"':& insurar



8. We have haard §v'§::§\'ttU.Poanacha, teamed s-zfaunsai

aaaeating far the insurer and Mrtviahaiaxa %<ad§wai_',':'=Eé:afnad

CO£.£E"1S€f for the daimant.
9* Mr.Poor2a<':ha, Eaarrned caunsei;»Aap;>.e_atiz§g "far--th'a'-§.t:rfa5:2}fa§r

does met sariousiy quastian the fins:',i__ing fagtirtied 

on the questiar": of actionable a"3e§ltia_f;e:'r~.¢:fue, §a{;t't_VVtaa'irveTvjer, wouid
submit that the driver of   the EL-IS»
The main grievance a'ppear$;V_t(§_t1e%".'fa§}a}.~;j.iv;§§.i',.'a\.§§-grding a sum of
2'4,28,G{)O/~ undarf:   :;5a:j3t:"tandajtfuture expenses of
maid servant,  Qttifzéitar the head of £055 of
deiay in  as Lt. Coi. and a sum
01" ?2,3Z,8O£§'/F». of monetary Eoss due to non

pvromotiasgi a5.BriVg;a'a1i_ar"antf eariier retirement at the age of 54

:'yaaVrfs«a_a'  submits that the campenaatéon awarded

unaésf_ttjasév:'t;~a_asi§-"are {rat at at warrantad; énaamasch as it

 attmunté---to 55V[.I).€i:U:iE:}'t§{}n,

  Wfvistaataxa Kaﬁiwai, teamed COLHESEI aapearmg for

 Etta. ¢'iai%*r:ant suppcrts the judgment and aware}. He subméta that

 V  a-.:aé:t£sa£ at the evidence at the witnesses woutd canciasivaiy go

 



' -jafdégrheet wee gassed. The present apeeai £5. referable to MVC

ta Show that the accident indeed hae eecurred due :0 the rash

and negiigent driving at' the driver Crf the Bass. HeV"-ﬁariciier

submits that the ciaémaht ie a meritorious eaéet; E:%4'a_:?_~:rrz:u.:h"aahiftek' 

jainea the Inaéan Army at the age <}f"2fi"yeer'$  ;E:ng'me'er '

eadre aha he was eeiected tghmugh 1hd:A1ia_h::'§¥*T§i'i'Etargsv'_;acadeh:§';.. :}--?-ieu

submits that due to the accideht'-vaL:ﬁ'a» am"pu.ta:~i._oh_; cihfzvvhiyeft sieg at

the ankle ievet, he was cat'egorise'd' a'Sf;aV "mﬂedicAa¥"ahe:iVEhis future
prospects of being premoteha iaffe  submits that it
is he doubt true evenﬂaeg efaimant continues
with the   claimant hoids the
rank of Lt,C'oi';  a:i}§::§;:'r1it'a.V,AVt'ha1a.fhe*';"ribuhai has not awarded
any ameurfuﬁaer pair': and suffering,

11._We  E:.ave_gv--§ve5'_1 Vattr anxious censideration to the

,v'3'5::£.§£);rj";E$:§fE}f3~n;_..sfjha.de  leamea eaueael appearing for the

iri$pr'rerTaea.v%ze_§£a ae aha eiaimarat,

£.2';' §h;:§5&ei:f:%faE2a; we hetiee ehat {we eiaém petétéeng were

 befesehhhthe Trihamai and hath the ciaim petitions were

eE:;:«3i57:;ea"";anr;i Cesarean evidence was recarded and camrhoh



Ni;>.,3098;':i995. It is net in dieeete that tee cieirriaetger: the

fateful day was treveiééeg ii": the Bus eieng with other"e:{;"i:iij';,.<:.e:":i:$

from Heveri to Barigeiorei It is afse net: in ciis§fi_iQitejei::hiei: 

vehicie in question 13 insured with respiiindent''.iNo_;.i.2:I"V'.v\.i¢'«;*i'eti.<:e '

that the accident has occurred in the N, t "'ie'."aii'SeVV

noticed that the driver iost control"eSierr the Bus 'erifd VE9i'ii:wEheV'i,errj)'

which was eiready earkeriyend eﬁ""ect:ideet and
capsized on the ieft side."4"VW"eCase has been
registered as ageirieiirre   EXP2 pursuant
to the compEaEn;t"e€_'E>%";'P3,   required to notice that
the passeIjvg'ers--i'V,iAr*;;V'ia  to be treated as third
parties, bL1iV::V"%f°go"v.i'ev»aV:t'V,V as third party is limited.

Hence, ha_vingx"p.erL:seV<;§._ ti'-,e"e'{ridenCe, we find that the finding

:_vr"er;c:Ardevr§f'3"i~ the u'Tr'i€3-e-nai on the question of actionabie

neg!'ig~er1Ce Ci-e_eef"eeti*--werraiit interfereneer

Tiwerrexi question wouid be as tie the quantum. We

..i_i&i'_j.,.rie'Ei.ice that jtiige Tribune; has awarded a sum ef %21,43,928/'~ as

{~.'_:"eeiriperseetien under variees heads. "ihe "Fribimeé hes

'  -iiieﬁeriifrzieee Eire eerneeiisetéeri re the feiiewirrg manner:

gm
5 ""-wig? V



Medicat expenses - %F1,31,628X«

Specie! diet expensas » $4,500/'-

Cenveyancd ~-- €20,830/-_......"j   

Artificiai firnb expenses;    '
incurred afready _.....:_%1fS_i3,Q(}'Q,i'f.  '

Artiféciaf iémb expanses     " _ A -
:0 be Encurred in future  _ =7 ?--S,QG,{}f)LC3if"*' '

Past and future expenses  »   
of maid servant:    *~~.._§4,2€}",'QQQ/57

Loss of amenities of life;  R_ V ,
disappointment, unhappiness," ' _
inconvenience etc. andV"é'i'so'«und,ér_ _
the head of Eossgof marriagé   
prospects_.aVn'a§ I<§1;5;Vs';'.ofv e:<_pe(;tat'éoh~ .
of iife '   .  '  ''4 €'1,SO,OOO/~>

Loss d"f.sd!.a fy .dVuxc$.':nto'd'a's.df::: 
promotion' from"--Ca"pAta--in"'--*:o
Majqf from'-1V998Vi%o 2000 » %19,2OO/~

L<2is':s* df-,late pron1(3ti'o'n as Major

  and d.eia.y*_?n~..gett%ng pmmotécn
  as ":;:,§::<;;; .    »~ 27,15,800]-

 n3Qn@€:{E;:~**;s £5253 §£.E€ is nan-

prcirm0"tior: bf Brigadier and earlier
retirémeni at ine age :3? §d as

V.   AAL~{l:'.-. 'C£}h" (TS) - $232,800/~



13

ﬂu': 0?' COE'I"'%[3€E'}'E3E3tl0E"l ei' ?23;43,928/- a sum of %Z,0;{§,_GOG/--

is eedueted as iumpsum emmmt is ewardee iewerds.'e;:--g§e-e'ssesv..ef

maéé servant and future differences :23" salary.

14. Indeed the Compensatien ;"i;"lr'lVlib(',":f'E'  req:Au:i§*e<lV"i:e 

determined with reference ta the {Hemre'.QF"i.a§jm*Ee.s_~_ef' this

is broadly classified as pecuniary e'ss,V.£>veli as 'e<;;£r:'<{:{e<:1j':f§ie'%y. The

Apex Court: in the case of R:1\..]A i»<LJ.Vi'v*i')iS.Rn{\;j/V'V:f,*§';s~AJAY' 'lV<;Ui'~r1'2'5xR 81 ORSR

reported in 2011 AC} 1 at ;:ial:5a §ai.3v'lie;s as to how the

pecuniary ciamages"e«.{j§§-- no%_3-peﬁ.::n§«afy;'.idafi1éz'ges are required to

be assessed.

"13.:"rW'e'_  the principles

discussed 4_ali?ovVé:_ 

I  All ir;lj[J'r§..e;_s_s(vor permanent disabilities arising
  injuries), do not result in loss of
  capacity.

."li.'lfi_e:9er<:ez'3i:age ef permanent ciisabiiity with

 Eeferenee :0 '(size whsée may ef a eersen,

cannot be assumed ':9 be the percentage of

less sf earning capacity: To put it
differently, the percentage ef Eess ef earning

capacity is not the same as the percentage

*5
"*'-ml
«$5
W WW
l'



ii

of permanent eisebiiity {except in a fee;
cases; where the Tribeeaé en the basi_;=:.. ne=fT4'_ e~.
evidence, coeeiudes that percentage  
of earning Capacity is the 
percentage of eermanent»dieebiEi.is}?r 4"' '  4'
(iii) The doctor whit; treafiediyan ::irsr"'.}'..L§t'ei;?f.'Cl.é;':V5':">"£:ir§te..__&  'A
er who examinegi _'_him"~.$ribseq1e;.eVr:§§3i '"E;<:C'§ 
assess the e><%;er':'?.:e.:"'w--s3f  '¥3:€]"I"_:rr{é;,=..VnVue"aé*é:s
disabiiity can 'give VAeei:j'enCeL' enly" '  reﬁard
the extent ef"4-g:§er_m'ene:_»r1£{.e%se.rj'u~ir%ty. The 305$
of earning ceVp_zj,-1:r:§.tyL.v"_iVe fV:sc:'m:e'ihiVn'e that will
have 'V'_-be §eseee.eed.,Ehyj;.th'e'fT'ribuna! with
:j.efcju-e r{ee';'--§:o' t}j_:e__1'eyid'eni:e in entirety.
(iv) ____  eer'-n;jAeVLhenﬁ dieiaeélity may resuit in
V __r,1.ii9iA*e§+.eVn.t_V:'4.pe:<een.t_ages of E055 of earning
 =VVeapVacii;yvAZ.LjVieT'"d:§:ffer'ent persons, depending
'u"p.er:v the  profession, occupation or

'V  job,V"a'g€r,.?%cat&en and other factors.

 :§§5';VeI:':vd:_ee,dr~:b'efore determining the compensation, we are

1:"L./.__ﬁ.»;»eqeir4eé"%e §jéee§%:e.n::es te the Eejeriee eefferee by the eiaémeet,

_.:%_T&n'_-«.V_E3Q,.?2G Se efeurze {:€?E§f§<:E€;€= E:<§e28 ereuid d£ee§eee the

  f_eE"f«e'se§n§"~«E_.e}L:riesg

 



vi)

12

Abragéora aver Eeft knee of size 1" X V2" irregu-E--ar

am ree§.

Swalfing and tenderneaa present <>v_£§_E""i;£§:a§§f

third of ieft ieg, fracture of both ban_es'. '~-..

Left: feet is; badiy Crushed:"a'Aii' 'E.i*:£3{ E'§§2vel  

joint, Fvmscies, tendons, {i:::«ss ef§s'TVa:§aé. a!_¥: 'i:aV§*aé2::i "l1'

bones exposed and .::*:u__5.r,hed'".A.V_ 'Fast :fS '.ij3a<{jgir_1:fg V

from amide by a  skid'~.aﬁ'd-V-Zrﬁéxiscies,
swefling seen arogmd .;<aVr'1'%'<i'éL\;"bVEV'£as~=:.f:Jing'f5':"e3s£»3i9at.
Abrasion over ri"'g'~h;tj-Em-:s;§:ff.{>}? éiéé  f." irreguiar
and feet'  .   h  _.
SweI!ir;f£'g g§{Lzf*.d t9encie'r§1e'S's:";5i"es_e.Eit aver middle

tn:rd"omgm:ii"Lk:LeLg«;. __   '-

A4AL.a.ceEa.:éd;b~1.;¢{_ggad' .r._§:vAe"r-Ati1¢_.r§ziddIe aspect of right

Zvifoor.T{$f' v.'::Viz_é .S"'»_/'~4f'.e_:x:teanding from 1" above

Vfanukleto'  medial aspect of foot and

fro}h--4.Vm'§dd'k?: df_n2éi:iial aspect of foot to medicaf

 maleol{,is;.,__ Muscles, tendons exposed and

 bcmes expogedf bﬁeeding present,

 .f§§-,r'"§"§€e ".§:1'».:?..0Q;.:*éﬁ ﬁertéfécatg Essueé by the §'«€as"*:§§a§ Hasgétaﬁ

 wsmld Q'i.é:' i.Q'sv::.g {ﬁat the claimant; was aémitted with the igientica!

.1. :':{jV;:z»tfié::e"--.§s fﬁentéened in Ex,P20* The certificate igsued by

 EvEa.;:§' ;;;a'§ Eiasgitaf which ﬁg at E><,?22 is signed by Cenaultant



,!
 &
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3.3 Cirthaaaadir: surgeon aaé wauid indicate as ta the namare af injuries and the treatment given, whigh is as feiiawsa "Officer was seriously injured and had mu|ti"fracif§:~:e's% ' ' aria Crush injuries on both vfaet--.whs'_ch_,.'%'ea;_:i:5aCii'¢. immediate operations and inten$ii4ve;'ta.ra. '=Dfua_°I.a'%.:§iieA nature of injury, the patia'e11:_waS".:fao't in ,JV'v"'3xi!h;a:i:€.;3 i take decisions. He wit! b'é'a«i.ffiansferr:aa"-iséifrs Mifiivtiawry Hosgitai irnnniadiateiv---.«;j>n inizparijingi"~e5sanijia!--..médica! care.» - ~ -- -. v « 1?', The Ciaima:ntv..has;:'a'>%an'ji:inaé«V:i:§AgQ vdcgafifors, that is PWs.3 and S. PW3 isg-€ha_««dnst?g_f"fr§};;_§--~.iihe"_A:%_inyHospitai and PWS is a doctor fronjV"E$ianip:avE_V Bethﬂuthé doctors would depose as to the ham QfwiIjju£".{éSA:.A:S{ii§t3:iiT€f3 by the claimant.

18.;=*The ucflaivrunarit .i;r«zhE3 was examined as PW2 in his :'Vde,a03iV':"i6n {3A§¥i;;iJ_i'%:;".'_.referVi€a as to how the acciéent has occurred anafsézafaiaff-as3;=;;§;,:.E--a rafer ta xzanaas injuries auffaraa ay 'aim iaaa :ha'44._d1;zjat§s:ia_' Aaf hasaitaiésatiani He weuid aiso refer to his H"'T:7.CafégAa{L§sai;i'a-n done by the Army Madicai Board' During the éa3.{.£:=9_é'izﬁiavédanca, he waaid d€f3C?S€ that far avers: two yeara he unaerga madicai axarnénatian bafare {ha Maaicai Baard far 14 fitness due te the eccieerit. iie eieo eftetee that he has eeereheesien ebeet security ef jeb. hie woelci else._"':%t€eee.V:Eii.et after the accident, the Meeicai Board hag put him would explain as to whet shape-2 we-aid"rh.e'e"riLx_ 1;'SHI,rgiévnlag gag' Peychoiogy, 'H' steeds fer Heerieg, ',c\ﬁgt:fe'_Iji'<§ls stands for Physiology and 'E' staVhee'V"fe»r EA."&i.?if'.,' IcE";E_:(".4_;E*,'V:é"ti'VlVb"}V"lVé xizvoule' aise depese that there are sﬁifyfe ce.i;eg'ecr'l:ee:""iifi Shepie, that is 1 to

5. He would depese that SheJp;_e"~1" that the officer is fit for aii dutieg, the officer is fit to work from physicai work. He wouid eisevldepaee;»'.rhe:t.i'z:iu:e'.V,fc.ciV'ti1e"'in--j':jries suffered by him, he has 105%: promoted to a higher rank.

He would' aisc)x"d.epeeeV._tAii.e'tV.e'fter the rank of Major, there is :_iSVE:~i€CtlG._fl55~gE:ai§e.i Th'evv---p--romotienal avenues after the rank of ivi'ejer=eTr'e_dveheh'd:eet upen the physical fitness, C1R_$$ and other 'Vi"--,.»aeeei*.§::<~:V§""i""i'2eéeége retirement ef LE. Ceic E5 S4 years. He weuief _h_f_--«.»_e4§eeV eeees:e"*i%het ease :0 the iejeiiee sisfferee by him aeé he he'i:ri'g.ce§'teg0rieed es eiedieai, the chances; ef he being erometed V' .t_e°hEeher rank than the rank ef Lt. ﬂei. are cempietteiy rerhete, ..e{hieh he etherwise weeée have heee erititieci te, 15 1% PW3 is the ﬁurgicei Specieiist and Artificiei Limb Seesieiisiz at Artifieiei Limb Centre? Peeee end he would {Te-fer te the verieus injuries suffered by the eiaimani:

treatment given and the amputaticm ef iefi: ieg jeint, He weuid aise depose that :he::'§)ieVrsons"iwh-I3.' are Subjected is examinatiefi Vb?' désabiiitv wiii effect iﬁromcztiorz V elai:zf;anif'.= he has assessed the ciisabiiity to tijeV_A'exteih£' toiiiiié' wviiole body. Ex.P28 is the disebiiity certiiieaife With reference to the injuries, he§.vw*o_,Li_id depo§sé...':thaf"ej::-..e§§e'n€inatien of ieft: Eeg shows the Vahi1"'ea;t;eii;yiori':::fz;si;- a'ra,i<'Vi'e'j<;i'fa't"'of': left Eeg, deformity in ieft tibia regioeanii4:restz9iei:':'0if1'*offiexioh in knee jeint at 80 degrees. On exami;1atieé1=:3Af'rigiwi; iegs 's.%€:0ws deformity at middie tibia and _vt'i'ier_e E£?":s.j§~}i$a;:tsV'ru:;ark oh't~h--e«'area, 1,52 inch x 3 inches, an the feet ciieseds éti'ewer';vk_ie:V§'eiLé*:t, Restrictiera of mevements of jeint on sub» =._,,i:aier ﬁeiéﬁé eiee§'j__v:§'éth eeereese serssetien en the derssm": ef the .4 _f_~~,_fee:t__eee isieeieéiéiy its meee iéee right gseet tee; the: is reséréctien e_f"i:':2e-ei"§~eint at 68 degrees and he was wearing artificiai time V' regeeiie weikieg Etiﬂkar , 3' E ), 6 16

20. PW4 is the iviajer in Indian Army who was cfeeemate and bsatefvmate cf the eteimariti He wouiei degeee'-Vti;i:§it.e..V'the eiairriaarit is pieced in medical category of shaee+'~Z ' disability. He wee downgraded friirﬁ"*eheiiAe=~lwfe._ ;$ﬁ'&§iDé.*''2 ' eventheegh iie wag senior te him,

21. PWS is the medical 0ffi'e:e't=i,of whewi ence again refere ta the inj;i'rE.es: sLiFFer'e(i 15$/'.ﬁ2?i€§ ciaarnam: and the treatment given and the resnjiitaiiriit 'ci--E+:'§'a:'eii__E.t,§;',~

22. we ha\{e"aT_lsjo EEi>{L"P":a:~6,V_.y§i}iich is referable to intangibie Ie$se3,V.A:i'r;iae'iii;iich"eei-the"l'tJs:5es which cannot be priced obje€;tiveIy,1"'-.« They' _.i:e pain and suffering due to multiple inj:.:rieS'~ar1'eVarQund"m~'iVne major surgeries under general eeeee V.23i.jiAf.i4i;'E*z:'i;.if;'i:~:.._backgmund one wéii have to assese the Z"i.___.»dama'g.eS*iaisiaréiiiicéeiiei to the claimant. indeed as observed, the éemages e.rei.._br9oediy elaesified as pecuniary and i"iOF't"§3eCUﬁiaFy, e}:§ii£§ii{EEF;ﬁVi ':'E.¢;')F'r~§37€Cé.fE":§a§'§f damagee awardabie WEB be under the _iée.adiVigzg of gain end sufferiiig am E055 ef aiirienitiee, We are aise 1?

requires ta assess the damages with reference to the-"E-5.1955 sf future ;:)E£:rS:3€€'£S due to the injuries. We are 5139m;fe':§g::-§:%je§"v.:"o Hate that the claimant is required to be cc2:'r':.'§3;'e:":s5V3.;if5E:"€§% procuring the artificEa% iémb and aiso f'dé*' 'z"z:t;;ré rie.,9?9§a:eh1eiﬁtV9'@sf 9 artéficiai Eimb, 'We netice from EXPZ6 c£é'i_r-2j.a'nt«.cé:%f'a.§ﬁE';rVV was a meritorious cadet. The ﬁ0.§fe9rs Have' *@pj'iniéadV»"v"thasi thé' claimant cannot stand, Wang, ju,m"g'),*A.'V9_jt}:'E§"9._§nd ﬁ's'qua'tV: and aisa Cannet bend the knees ta tln"éiV§'.9_fui§' 24" We aiso hospitai for over a period of 412' to 90.4.1995 he was at Bapuji HoS;;Eta_L.1Aiﬁﬁ9é"a.fa.:f::a.<;er{=§}"~.f_r:3r1fs 30.43995 to 7.7.1995 at Manipai Hospmaig.aan9ga:+m;9~:g9¢9r4a 7.7.1995 to 6.10.1995 at Air Force Qgrhmanﬁf"'1»:-*§_V§jS'j:)it:é'?, Bangalore, from 6.3.0.1995 to éiﬁgmmand I-Eospitai, Puma, frem 141.1996 E0 1?,Ai"§i999S Cemmand Hcmgitai, Bangaiare, frczm ':._4.199E~-- :<:"2@{'8.1996 at Command Hospstat, Fame, and at :".{fE:§;"a',fa9§\1urSi:.ig Heme, Bangamre, for 3 days. Thuss, we find that §'ha'::€_:ai'méni was ia and amt {sf the hogpitai far a geréeé af 412 99 :§§_a'y-s--.''9VB:;:*§ng this period 0? hsggitaiésatisn, we mate that waund :_t"Li:=_;.e_A th jtoi nt A' by 18 debriéement, suturing and arnputatien 0%' ieft font was djefze on 26.4i§.9§3 at Bapuji tiospitai, Wsund debridement 5;Hn;:iV:e§§te§*nia£ ﬁxtaitor appiication for tibia of both the legs 25.19% at Manipal Hospitai. Wni:Ana"--4.d_ef:iriden*i»ent:-n'nd'e«r general anesthesia was done on Marzipal Hospitals Skin grafting One},-.g{h theisggg-._:yQ'é3VsV"'d'o'ne on 1691,1995 at Manipai Hosgaitai. Bi.§atet§i ti3;'e.n_amie G';tKV.-ttiaiiing (in both the Eegs rods were ptittt marrow in the tibias and the rods xetross screws) was done on removal of dead bone tissues" not healing in the right foot was dtine" at Air Force Command Hos;3itai,§aneV'a'i«:t)re. surgery on the amputee! ieg to A V V-ELLZROV technique was done at Artificiai isivnryb=Ce::«%:ire.r:";?iji1eVand removal of C3.K. nails from both the legs ' '5.,.,.v.Vw?as dien'7e' at Nursing Heme, Bangaiere,

25. aiso note that the ciairnant joined the Sainik §<:'E:§:Ae.¥f»_'.$fAijapur, at the age of 18 years by securing secnnd rank . '§--n: tt2e5genetaE State Eevei merit Eést. He passed em; from Nﬁaéi in 1% high erder ef i"'i'1€¥"ifZ. There was exemeiary performance.-'--b_y the eiaimairit in Indian Miiitary Academy, Deiidraciung, svhereirs'-i5ejes:§ii.as e 'Gentiemae Cadet Prefeet' riamely 'Battaiien also «zine rotation 'Academy Under Offi-ce"r"'*eif'i:7he _:fi;):i.iVrf_roi:te.i";io§i's. ' He passed exit 01' the Indian Miiitery if5s:,§.iicir.aé:£Li'r{,'~.iAi?}:i'Vs' very high order ef merit, that' iiiwherii commissioned as an Office:*,._he was ye'2érs*-seeizi 17 days aid, thus being one of the igis batch and he was first in the 0rgi..erieff- commissioned into Corps ef in the 'Young Officers Course (Sj'i§§\F1'Ei'i;'3'ﬁfl:f,'.1 tto' into consideration the academic ciiiiaEifi_cativeri:Vi'Vtii:Vti1'e."eieiV.r§1ent and the nature of injuries and the {ass of"f.ut::re -pre~s;3'e.--c7i:s, The compensation is required _~"£'(;»~ be with 'refeirence te that ' 26;-...[Vi'.e"e£vsej"e.ote that cemgensetion is aiso required ize be Z"i.___asses;e:.e:i7witii.V--"si'j5€§e§Verd to reduced eligibility of empioyment. V:ﬂ___Ii::i;ee@ aﬁéyf happen in seme cases though the claimant is in a V§§e.sfé»*:iAZei':"i:.e work pizysicaiiy after the accident as befere, the after _e'fie«::}is ei the eccéeent may make it more difficuii; fer him to find 26 werk or ta teteie hie wage. There weuid be serne eegree ef pttysieei iiendicaet it: these cases, the Court may have t:e___ add a seitabie sum by way ef damages having regard to th.§s..::'a'speet, In ether cases, the chances of a better empieyre-eat' etospects in the same empiciymerzt rr_i_e.y.__t;»e :i'ie'ciiijee'_cj;i. efte_t t't;_e » accident. This aspect aiso sheuie net i~iiVest'~_s'ig_iit :eif'i_i"-~v;%'i*:vi.3:e awarding generai damages, Inde.ed~...the it-.:*>t:r'ts tn§..ex;e_j"ex.:e!-ﬁred at particuiar method for calculating tij_i.sVV'ifa'eai:i.._ef d.tan2a.gAe,EThe basis is the amount that the c:iair%é'evnt.v¥.i--:)__u}cii. neiee..ea.r_ned in the future and has been preyfe'n.ted ;i'rij'ri":::';eve'rn:i»nt;Vtne injury. This amount is vi'Ce'ic-L:ie;tedV':'¥E:e'y the'":figure of the claimant's annuai earz":a"iAng"st'_at injury iess the amount, if any, which he _t:eule1i"-stow Vee_rn'..Via:{iti'ea|iy, and muitiplying this by the :_vnember:':L_e'f yeiars duti4'eg.._syh';ch the loss of earning power wiil last, wVii.i:?2;«Tits_t'§*:,e"i?vi*ijei=; is for the claimants life, wiii require a 2,.eeiee§ei:»iee eeiieei ef his exeeetatiee ef W{.')i"§<ZEE"ig iife. _ij--«.'_i§eeyeiee ti=iis*;_ie miee, we are reeeiree ice essess the eemeges §eh:§ftb.Veite_.to ee awarded to the element.

23 27', We have aiready netieed the injeriee suffered'.-'by the cieémaet and the deratéen ef heseizeiésetéen ane the.'.e"nﬁ'ee'£-eféven of left Keg. We else nete izhat the ciaémant was 3 Offieer in the Indian Army and we are e'I§<')"E*nfer'n:aHe;ri"

en today' he continues ﬁe werk with Apex Ceurt in the case of V/Sr"

DELHI TRANSPORT coeneregtrorsare'ek:AAmr§nr;»e_repo'rtea us} (2009) 6 SCC 121 with reference £:e'4"f%i':_e' has ebserved thus:

"In view {if in-e"erriggonae-ereb_1és "girls. uncertainities, it is fav_nure_d"'t:i' e'i;§;§;»pt rue!-e._Qf5'thumb, an addition of 50% ef a'Ctua_|_"salary?-tp the actual saiary income of the 'dec'ease:*i_.t'd.$iverd.eA"fLrr£'u re prospects"

28,13; Es rad cf-..oAL':b'€ true En the present case it is not a case :'v<>_f '7€feaVfﬁ, h'e~weverV§%h'eving regard to the nature cf injuries er°:d'--iheh-e3%eee»f.§eeffe,f.1~r:§:e eéeimere, wee ﬁe er: Qfféeer in the {radian wélrrmy, Ehée §5a:e:.:VEe§:érteeE!'g emeunt te eeeth krzeééf inasmuch as iﬁeeesgse of these injuries his career prespects are reduced. Thus, $€:e'£:rVe*e§.A'AEf: as e diminishing ﬁe career' prospects and in the 22 circumgianaes, we proposa to reassess the damagesﬁ-E._:fs the feiiawértg termss: H .

Pain and suffering M 33,08,000/1 Lo$s sf amenities «» %i:"v;"V,S'€Vi)','(3€¥§v';1;'*,--~' »« Medical expenses _- . 2 "

Conveyance « Artificiai limb ' §"%i;§é;f3._QQ/;A ' Artificial limb in future'. # "

Past: and future*:««T nfi:édac:.=;3i 3: A attendance-» 4' 'V ??j5.0,0»OO/~ Loss of f'uiu.r}:+§ pré?;;';5eCts " _ due ti) injuriVeS'.a«s1_»€}'Vreduted -- .

eiigibihty of em;3§0'yri1e.ﬁt-a¥3.d future prr}m0t§O'i--"w . é ---- ?6,0£3,000/~ Thmﬁ," the te"ta.E.. §:om:;:ensation awardabie to the claimant %Wm ¥1;:§.§j:.,A'62_8/~, which we mund it as' to %1?,52,o0o/~, t?§é"..fQ!lowirag order:

i) ' "f€h.e""é;'3peaE filed by the insurer is accepted in 'gs-érﬁ, Vsiij T236 cgmpensatian awaydabée is the ciaimant wwid be %17,52,00a/»-5 , AM_4x/ §< :

23

iii} The claimant is entitied for interest at the <3?' 8% per annum an the Compemsatian from the date 6? petitien tin depesit.

iv) The balance amount due with acc:ue:§_:'::inté~§{es:

shafl be deposited by the izisufér' 2{vEt_hEr:1 from today' V _ _ __ xx) The ameunt in depo~:;:§_t"--.sf_§"aa§i :3'-e isfan[é.;ﬁiwt§ev£i...t:3 the Cencemeé TribunaE. "»._'A' _ The appeai stands dfsﬁo';{;_ed e.f KM'. . "

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Karnataka High Court

The Dy Manager United India Insurance Co ... vs Capt Vijaya Vittal K Gudi @ Capt V K Gudi on 23 March, 2011

Bench: Ajit J Gunjal, C.R.Kumaraswamy