Branch Manager United India Insurance ... vs Peerappa Sangappa Marathe on 31 July, 2008

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Karnataka High Court

Branch Manager United India Insurance ... vs Peerappa Sangappa Marathe on 31 July, 2008

Bench: Jawad Rahim

EN THE HIGH coum" OF KARNATAKA   
czacuzr BENCH AT GULBARGA  j % A  

EEATED THIS THE 315*" DAY OF 3u1L.>.'1--3.b o.8"~T.::  '

BEFGRE

THE HoN*s:.E MR.3iJ'SfIfICE"3.ﬂWe'AD &AH;MA«'  

' 'g' '' .4' V

M.F.A.8431.1D5. M.;=,A.34}33:0_sA:«1:> M.F.A-..8432i05
sewwaere:      % %

BRANCH MANA~3ER_ A V  _ 

uwrrm ENDEA Iu'}%E'>L3 % '*--¥si<.°-£'CG"LTD   * 

EHAPUR, !§3{3'.ﬁ.f..RE»?;vBY«-1T$"~RVE€31méAL

MANAGER, .Lﬁ'€.IT;'ED IN€3IAfL_INSHRA;VNCE CO

LTD. REGEQNAL i3EFI€E,'--5HAFéK_ARANARAYANA
BUIi_D_ING,_ NV'Hf.-:)'kV":2"VS'fV"':Mx{.';:Vm>'VR_ 0A'B

5ANGA.LGRE'- ssmptsz  %

* Y    "'---,.,.'"f£PPELLANTIN ALL CASES

(33: Sri R 3 NADAGOi}'Q?Q;£iD§Z';)

AND :

 1  P;éE9R:5{Pi-';A*--S}§;NéAPPA MARATHE

NQW A.a§u=AaouT 54 YEARS
ace; AGREE-ULTURE

 R/9. f{.H'YADI GUMPI
 r;x'».~:,:.s:< KUSTAGI

   ':~:.o_w RXAT JUMNAL TALUK
39:51" BIJPAUR

  M TMANJUNATH

SEC). VENKAYYA SHETTI

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«1

3
MOTHER (15? RESPONBENT)

S BHIMAJJA
sic NINGAPPA MARATHE @
MQHITENAVAR
AGED 54 YEARS 
6 RAYNAWA 
W/0 EHIMAJJA @ MARATHE
MQHITNEVAR  
AGED 42 YEARS * 

Rm SHIGGALI,    

TALUK SHIRAHATH  M 

NOW R/AJUMANAL    
TALUK & MSTRIC'£TBIJA.PU~R  % L

sio     A
MAJOR,..,.Q'{ZC;:V B-U:':3I--NEES$ A  
R/C:      %
TKSLUK  .  . '
ms? 'BIEAPUR  % " " 
(By SANGANA G€3_UBﬁ\ aimma, ADV. r-"on Rf.-4:
SRI HARSH'A§/ARDHAHV R«.MALIF3ATIi.., ADV. FDR R?)

 ATHI$'~3M.F.A.VIS FI'LE.Q.__.U/'S 173(1) OF i'ViV ACT AGAINST THE
 "EUDGMEZNT ﬁ\N_D AWARE DATE-ﬁ:2.6.200S PASSED IN MVC
 NQ;?Z1f?.GQiv%. UN THE FILE 0?' THE P'RL.DISTRECT JUSGE 8:
AMEN-BE?€.,"'MACT#I; BBAPUR, AWARDING CGMPENSATION £3?
RS,2';--24,ﬁCQf~ WITH INTEREST AT THE RATE QF 8% PA.

' ' Fi?.C.i£~4_ THEV  DATE OF FILING THE PETITIGN TILL

j REALI5.-'\7ION.

   RAQHABAI
   win VENKANNA MARATHE

AGED 44 YEARS
OCC: AGRICULTURE,

W

 



WG AGARATAGI

TALUK SURAPUR

NQW R/'A JUMANAL

TALUK 8: QIST BIJAPUR.
(BY SR3 HARSHAVARDHAN R MALIPATIL FOR
SR1 BASAVARAJ KAREDDY, ADV. FOR R2;   
SRI SANGANA GGUDA BIRADAR, ADV. FGR  «  5 _.__ 

THIS m=.A. is FILED U1'S 173(1) of MV ACTASAENST THE, 
Juoemem" AND AWARD t".)ATEE>:2..E>;2£¥OS iPASSEt} Iwaxzr:
NQJ24/2901 on THE FILE 0? THE PRL§E3I;':":_'f'Fii<ZT J:.:9Gs:+:. 3:.
MEMBER, MAC"?-I, BIJAPUR, AWARDINGTcoM¥*£!esAn%:§w.vc:%E
RS.20,009f- WITH INYEREST AT*rH§ RATE?-OF 3%; :=>.A.*,
mom THE DATE 05' FELI kc; ms V §>E1':':f.:cz:¢ TILE;
REALISATIGN.       * 

1.

. .. ' *1'... I ' .. .1 .. II. " "

1 SUGALASAI " "

Wit) MARUTI EHOTE.' M V AGED [email protected]~"::;;xs>§s % % OCC:AG§RI€;T.UL"?URE1._' 4. ' are TALUK..V§<£!N;£}AGOL. . ' rsémv R_i.¢«. Jaw:-.réA;

'r:AwK &7f_.3I$'?. Bi3A?{_.!F€. .

2 :»w§3L:r~:ATH A Sm vss.N4-:AwA ~:.-snam ,s4A;roa,* ace: %au:-mess ~ - .?.I0 'rA:.:i<<::1I ..... .. .

V" T£i.L'!..}¥(' MUWDEBIHAL % kmszr, azmpua %.(e:;y Sﬁ.I"3A§éG.AEFéA GQUDA BZRADAR, ADV. FGR. R1; SEE---.HAR%3.HAW\RDHAN R MALIPATIL, ADV. FDR 9.2)

--V THES' M."F,A; IS FILED UXS 173(1) QF MV ACT AGAINST THE '~JUDGMEVb!*T AND AWARD iI)AT'ED:2.6.2t305 PASSED IN MVC « V' : L».,N'OT.J7.23f20€}1 GN THE FILE OF THE PRLDISTRICT JUDGE & " !'}'i'E.?i§fBfER, MACT-I, BISAPUR, AWARDING COMPENSATION 9? C§.QV 5 R5.30,0001'~ WITH INTEREST AT Ti'*lE RATE OF 8% P.A. FROM THE DATE OF FILING THE PETITION TILL REALISATION . ;

These aepeeis cemirsa on far fine} hearing t_h§_e"'d'e_y; court delivered the foilowéng u These four appeals are fiied t::§/«Vfcl:*":=e;V_§hsu%e:9.AaQa'.iﬁV:.~ﬁft!§e~, common judgment and ewaVrdv..ej1ﬁasse& by the Bijatrur, in M.V.C. Ncrs.72.;/D1:0"72.2826-1_._date§'2e.5;LZG05.

2. Heard Sri ANedage.;g.df'a:..V insurance ccsmperxv ane ciaiments. As mmmon questie41ﬁe ef"ieigevrzeiV:fe'ct er9i'se and as the genesis of an sefee meter vehicie accident, the appease"agez:i_iiViéﬁ;§ﬁ--~._#'§¢V~"taken up for disposai me this comrme erde"r..., Z ~ _ V T;*}vé'~€L?Zf'{§.'«&XfU3§ facts are:

and ethere were treveiiino in a jeep «ebeeruiﬁg ""V¥§ie';i§V(A-33/M-9102 fmm Agarategi to Tuijepur. ;E'rin'euteVV§)vhen the vehicle reached Ind: reiiwey station at "e.m., the driver by hie rash and neeiicent aet. inst W '5 fess cf irzeeme as a result of physlcel aisalaility, relmaursemeht of medical expenses, etc. ?. M.V.C.725/O1 was filed by similarly ;ale.l;;'e~::i _ fer the injuries sustained by him,;elalrnAihc;' Ru Apart from them, there were ether' ciafltiahlts corhhehsatioh.

8. In alt these aetltieha, the...rhaln 'es_aar.tiba-we.a§ that the driver was rash and heti::l'e--e:it__ilL;iae"'telséhréeh the accident eccurred. __ h 3 _ _ V. .

9. The eiaith' Vlllheluter al' the vehicle an the hat permittee to carry" pa;sseh«ee%le.VerlEﬁth'elfefel'~e,' there has been vioiatian of the terma earth can.«3it'lea:..«si"'ef'the peilcy. Therefore, the risk;

V at the'"ihssuraht:eV_V_V%:Vamh«anv diaaioated and there was no l§'a«'aAl_lit'y £:e§.elv%iY«..subsletlna aaalnet the insurance cemeahy to llnaafrtjriatgjltlze §.hs£1rae.

_ 16,. The -¥.le'aAmer;l member at the Tribunal frametl relevant " ".5?".i"--..V:i';~:;$ees applying the evldehee tendered by the claimants, 39% 9 ', {£333 fer arivate burpage, but was useé for hifé:'.*'.'f"L:'--f:fi*:,e iearrsea' caurasei drew my' aitentien to the rest:"--i'€i:ic)z": 'Vt:>z""i"£5:

Leg préhibits the vehécie being "a:secjl:fm'~.§i*eira? an_éi;"fészgéfdf,£37; a mat basis, thé awartf 53 scught ta b'és;Vai%_*ﬁi:'§§e6"a_fsd ,sat

12. Learned ceurasei f<:» 2--. _ 'é:-i'.'I._e r'é3p0'n;iVes§t"s3Véi'aiﬁia231:5"V $?am§@r'ts the imzjugneﬁ 3'udgm§2r:£V:Aévnd"~h_as friaaée. ax/aiiabie ia the wart ccpy crf thé" i_r:sﬁa<faVi1ﬁez:p§§§AiA§:y.Vissuaci by the apaeiiantfirwsurerg' .'i_ hawfé §ieV::*'V%,V.:.?;§df1t.;_;/_e

13. :T§iéV a'rué"":*§bt czniy baseﬁ are Eeqai prspasi£"'ia;n:s. buﬂé'éi_j.fé:i§'*-..af's~ weii. Therefere, I have re-

appra§_s eﬁ tide evis:iei--m:é:_ aiéo.

iwfmt §}1"ci'i:3:}ute that the vehicie in questicm is 3 m*E§£'_a*te reaistereﬁ as such, But the awrrer has aﬁb'ta §iéedv_;w§$i§%3'r::it for using it as a passenger vehicle. 'Five _ ir:suraz%:e'i:.ccwerage prevéded under the insurance cczmgaﬁy " ;;%s2ta"i"i;1%: varicms heaﬁs under which aremium has beer:

V' cfasiiecteii. Part 8 $3' the tabie aeﬁzainina to iiabiiity is 3% T faiiéws:

"i_£ABELi'§"':": .5a9-as 'T Less; 5% déacouiit fczr reccx;~ nised automobiies association membership Arid: PA izweneﬁts as per Eradi.

MT 5 _ N0, of pcaersozans ii} capitai benefits _ _ " . 2 Far person Rs.Se,0GG " 25€}#!§9.v'_v +'?a<3'<;iE.Pr'o;"; ;:»t'er:1.ENDT 70 iuwmvszfrass) Endt INT Capétai beneﬁts Rs. x No: of persons " ' '* Li. tat: paid driver as» pe:7Es"ﬁt."iL:'5§'3i" : , 15-69 W1 beneﬁts ta paid drive; asgnetf " ..

Emit, INT 6 c_:§;;:i1;_ai be;-r*sef:ts_a. 1 ' LL to em;;»i1;;yee:§s'a:;_f 'i§fné.ir{=.u:'ed_ E:sj5ye7:' Endt. INT l#;}..v--~"N£3;V__0f pagans " _ " ' Md oa.sji§f:g fei?-ic3a>r"z"i?':?:§§%'ciai uéége "TC_}"?Ai_.~_8 _ V _ s24--00% Tci%';rg_ PRéMzu_ﬁ ~ 4. 331909 Less: 53% SV;'"2i..E} é:¥;:s:a$Au:f1"tVfiédue} Nz§:pREM1'u:v3_VouE (gcumow om 331949 ¢j5g«§r%g:::é"'T§x: Avméée-00 T 'ma; f:1485--ﬁ{} amaam[we simws that Rs.S09r'- is coiiecteé far the :3uft2ose.__v*o'f.ﬁévidina statutory cweraae as required under ' '4"=. ":.'5~.e¢ti0§:1:47, M.V.Ar:t. But thefact that the appeiiant haﬁ _ c§iier.;i5ted R5250/- ta QOVE?' the risk sf 10 perﬁmrsa traveéiina _..§¥'--'z; the vehicie with catxitai benefit was' iixerﬁérz at Rs.S0;'- is gﬂw ':1 indicative ef emerging its iiabiiity beyond the iimit ereeerieee under Sectiee 14?'. Simiiariy, eeiieetieﬁe. ef Reﬂﬂ/'- te inereeee iiebiiity fixed by the first coﬁ§tre§:f£;§§fdV;e¢_:E»., eneersemere "F63 making Eiebiiity as uei%mitec5.;..,Si*e}5i:ef ins ewe? 'A 'increase in the iimét ef iiebiiéty teieaereiie' erie.pieAyee's--..e.:eeef' ENT 36. Aeert frem eii tﬁeeeVeﬁditieeﬂeremie;§.f:T;.e:eeiie£;i.ee, 'g the meuyer has eeiiected "V'Re_L'$24/-"'.{ere.e-Zieegiine fer 'eemmereiei esage' thevreby ce'iVieeiie'ﬁ:g_ .e_Lre:%eiur'e te veever the risk for the use ef the veV£_':V§e§Ae_V eureese. This teerefere, hee;_"t?i:e_:f.'§'E§e$ e'r'eVeu.i§ing the restriction Ereeeeeiet by ti'2Ve'Ve"ai;f:%*,§:.Li*i;:?;jf'§e'».eend§t'ieﬁ that the vehieie sheii net be ueeci fe'r?hii*e e7i":ex2ie1y%:e:é*_;3.4 13, "wave this issue my en the basis ef the 'ei:§efiLe:'e_i'i ?:e'r§t'ee_ei between the insured and insurer te L1'5e:ai'ie§.;;;_:eVV"';5fé*:jge.__E'iTe'ié'§iit%,r ef the insurance ccmpeny which Ee V V . eer29f;§ee§h§.e'vi}21der ereviee (2) re Section 3.47, Emvﬁet and ",£ev"%.:;§,e;ncVe§ frem the insurance eeiiey; In ether words, the j_.'e.ei§e§€ which weuie have been a statutery eeiiey under T "ﬁeetiorz 147(1) has new trerxsfermee inte e eentrectuei eeiicy eerreiseieie under ereviee (2) to Sectiee 14?. in the W' '£2 resultant msiticrz, ttza parties wiii be caverrzed the canttactuai eﬁiigatiars enumerated in the ;ac>i§;;§':V:fv»$§7tt:t:vut referenceie to the restrécticms Qrtsvitied by braviss sf Se-ttizzm 14?. This View-iié' fatttﬁttaé t:ir':'é'T?f3Vt;--'i;f. V that whenever there £3 amﬁiatxity' a>€mt1i*t.A_tfitteftiiit-ttaititm"

terms and conditions at the iﬁsv2§:fa*.:3ce héeitﬁsgti';é"'§téttrit1e cf" V 'tantra preferentum' vvsigtzid _a3:g:»*;'2iis;; t'-»t.i_2ndé?'"t~t1is~}é0ctrine, whet': titere is ambigutty"__tvt"ﬁ£%i§'ht.::"':Vé§IbA;§;;t--.__the termt and carzﬁétéczras at t_Ef2é:+I§:§@Eir:y;:'Atﬁté_t%2ru.%§té:ti§3'rjVV'he;t";v"'to be in faves? cf the ir:$ureé;a'r";'é§4..1at;§§"~;g?§:131%..é_f§s'2§r§éf. Vvtitttiawrn satisﬁeé this is 3 fit c3sé:vvwh_e--réVVt§*%t..:§jﬁct»i'i'v:?;é~ca2'2 -be atzrziied and by doing 30, E hoiti that ittﬂtistaj ét:§1t:?A'att:§;I{a.ti4'i§ei%cy ané had cwered the risk of i3aA5§eﬁ§'er$_V:b1'eirat; carried 3?'! the vehicte. f§"§%.¢;--.tt>t,a_i ciaims iedged are net more than 3.0 in };.a,1%*£*--2t;fe%'; «ttmetzéfére, the ciaimants were within the number V . at ﬁaaﬁeéﬁatets permitted in the vehicie and even otherwise, tiifére is contractuai gjoiicy, the buraien is er: the i':2;sTur*é:*;s:e compamr ta estabiish that it can iagaiiy' avaid T '"ii7a§éEity. Er: the absence of am: such evidence, the §&z/ 33 presurrmtien wouid be that the woiicy covers the terrm af time rmiicy issued.

17. As against 3&5 these facts w??itb§f§V are b1vsrn5éj:'~€2fLif:fr«t;r:iL: "

the retards, it $9 a matter cf redajet itiﬁfét %:§fzé...'i'r':s'1:=V;v:*:var_'f;V».A:wa_v_T company has made categori: -.z_f:*r%s"z*é:2fré:~,e2':t.*::2'*a:i'%c:+'V;jf:. _i'n fzhé awaai merrm which is at ::»arac;*ra}§"r>.."::.'>_..VV_§r: 2, it $3 stated that it is a 'PrivaVtAa._."jsCa:'7_iB ,i_'»*Az:§'ii'<~_+.:v,_»'*'. «*s;.§1_i'ci1 tcwared the résk cf the owner in_sureci[erfir;£c'y?éAe;'-3 é'f:iy"$'::v:iV"did net CGVEF we risk; af anyj 'c:2:{tegaric Eiatameﬁt has beer?'V':iiéTde.:.iv:1_vt§;éVéiiﬁcaﬁi rnéfﬁﬁvfhat the rmiicy ﬁrohibiis the vehiﬁie :53? hire and reward ané the Ensureé ﬁad""r::~b7tai.nVeﬁ*--:;~ér§tmaE accident caveraae up ta 'xa"~e§--*f*ie was used far We is the main V'aLiieﬁét§¢h'--v._i*:'zé'x:i.§hy fine insurance company. when the %r:s5£:ffé':i'ce.A:$%::r,§'any has iS5§Jéﬁ the syoiicy' a-::ermitt§nsa the égeiiicie iﬁi:-e useé for rzornrnercéai use, the grmznds sa urged "éve;féL"t:gartainiy untenabie. It is; dear' fram the narratian af V' that they are mt mziy factuaiiy irrwrrect, but if net sf.Qi'":i¥'@'siE§"'fi&d by the other siﬁe, wcuid have misiead the cam": and resuiteci in a éeéisian astherwise. "ms attemart cf @wQ2/ M the aeeeéieﬁt neeee te be deprecetee fer the reeeen it is an entity createe under statute and ebiieeé te p'ei'ferm etetutery fursetierzs and if such as: eetherity in such frivreéeus iitigeiierr, it ie time they_.be"_'wVe£§ﬁ'ee air:e._ «-.. teutieraee, Fer these feaseras, eppeai ere unteeaeie ewe net»weri:e¥g'«.c;;f*aceepie_nee.A' Vv . V'

18. So fa? es merite are'v'V}'¢:§?ﬁ'C§Feeé'rq- main greuee urgee wee reeerﬁin.§'""}iVe'e:;.e%:~ereeewefV insurance éieeiiiify am thethes ﬁ.?;ﬁ§_'.'--ne merit in the appeeizfs. are accerdingiy" rejected. 'fee ireeuc3r1ec5.__"juderee%i%:e:_"'-~e'%ie"" awards eesseci in M.'v'.C. r»sos.:m5;o:;%'721;'aiv:1, 7*'2t-$.01 arse 723/01 are ccmﬁrmed. Sri . V. °'§?;.'.VB";':'€edT'ee;Aee}V'2.z.ef.e is :§eﬁ"nitted ﬁe ﬂie vakeiet an beheif ef the ~.e§9s-.g3eiieeiii*«V7yfgi'i':ﬁiziiwe weeks. 3*?)-..__ iij;tsE5e'~V'ciTismissina the eppeais as eeveid ef merit and 2"""--._ ""r:AenLf§r:9r:i.ee the imeuerued judgment, I feei it apuretiriete ﬁe ; 'dj'i's"~e..:::*:; the Maneeirze Directer ef the ermeiient insurance _,_r:emr:;any to take serieus maize ef the obsewatiens made in V' this erder and take eeereeriate rernediai measures eat! if Cgﬂv 15 circumstances warrant, to take an-zzreariate acticm avajajinét. cormerned efficiais whe are resaansibie far thi_i;=;3'._fé"i%ié~'i.§;--«uT§-~...\J", ﬁtiaatierz.

Ciairnants are entitieﬁ ta pmceedinaﬁ.

Iudqo v§h*

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