Karnataka High Court
Divisional Manager vs Prashant Jatti Harikantra on 19 January, 2012
Author: Jawad Rahim
Bench: Jawad Rahim
DIVISIONAL MANAGER V
UNITED INDIA INSURANCE
DIVISIONAL OFFICE
KAIKINI ROAD V V
KARWAR~S813Q1;"«A..
Eéi THE HIGH C315??? 3? §<ARi'~§,5{"§"A%<A
CERCQEE BENCH AT B%*§ARWAD
SATES "mg 'mg 19?" my GE SANUARK 29.3.3': AA
BEFQRE
THE HQWBLE MRJUSTICE ;}}5{ifVAB._P§AH.E§'% "
M.F.A, NC). 22098/2ooE>% izxré
BETWEEN:
(BY SR1 Cg; .a2i§;':€z::;.:f;%:V,%;*>;.;£>'#%%:;A:;.4 ~ :V: E
AND
E.
?RAS%i;3§fé'F 3§.1?TE"%%;%?;'§'%{fi§%£TRA
AGE: 242<'EA§%S;--. ~
<:>%:Ci::e*%2ss~éEi:a::a:;;%s
';Z./'i1:,.§¥§C:vRABA %%%%%
:A v §'*'EASvTEi%§€)§%?;A
Vfiig ;e:.:_; §¥?v§xu':§:£s;' .
yw?
:;?'2¥wx§.€T3%?§éa_¢<§iam" $3 H§§;,§%<.€a?2fi"RA
;5{GE:'---'AS:"%'EAR§,
@C{,T,:{§%Ei?%4ER Am E:§}§iNESS?v§§§:§ G?
" IA.P~§E'4;5;'i?€.§?\?\§E§'%%%*25;53RE ESE'?
._a;;; §viGRA$A; ?€AS"?'EKQ?fP;&
figs Kaigvmfgg
%
APPELLANT
?;§S?GF'§§E§'§§§
T £8'? S93 3.5? "¥'é§RA?€'EE; A§'a§. FQR E322; §E-=33}
THEE MFA ES FEZLED QXS 33$} C3? THE WQR§<§V%E_§_\§'S
COFVEFENSATEGN ACT AGAINST THE 3i.}DGMEE\§T ;A§'§l3
QRBER QATED:G2,f3Sf2GG9 ?!'='*5SE§ IN WCA;'SR §\£Q...'i3f'{.}_5'.V
SN THE FILE OF THE LABOUR OFFICE~R--..'_A'A§\3£f§,
COMMISSIGNER FOR WQRKMENS COMPE'§€--«SATi8f'?€~?; "e '
UTTAR KANNADA DISTRICT, KARWAR, AWA'RDIN_1G'A
E20/0.
COMPENSATION QF RS.4§32,422/"_;..V3f.ET§'§ _'IN"fE'R'EST._'f@
THIS §VLF.A. comma om FOR A41'Z5MfSSIQN.'vTEAff.iV S"DA:?/J V
'E'HE CCURT DELIVEREB THE F(3i.,_§§Q.i{'\./ING': V _
insurer E5 in appeéé"*5§:,1ai%;;~:~;i§f':--éi%Né}§é¥':_'mmpensatiam
E0 the 15*: respondfgnfi un;i'é:*" \A§Qr5<men's
Compensatéon:_.;\§fitf _z;éférred to as 'the
Actffor shVQ.iit).' :",;.;;;, V 'V
W}
. Apgeaj Esptd;:':_té:%. ?'a;E_.adm§ss%9m
3,? 'Sears?
__res§Q:':§en*: Prasfiani iatié 3-«§ar%§<ar:f:ra
E§§§é§__£§éé?%%:"_~«w':§§é5 ihe grsvésimg fif we £35 befare the
.iT§r:2::é":'::s%<§;:e'{"'fGr grarst Sf §$m§en§§%:§m, an E313 géea
wag emgisyeé by $233 2" :re§§er'2§e:2é:;
--_§i1'é--§3:5'f"'§§<&?§i S. Harikafiirag evmer £3? Kfasseég
S; Buréeg ihe azeyege, ie en aceieeei he eefferee
injeriesg whiefi Eefi him eieebfee, Ee tee preeeedin§_e..Vé:e%2;e?e~.._
apeelierat was eroeghi: Ente party errey es the E:i:é§Li§ep:5_'Ve:i'__j:.
the Vesseh
5, The eppeliaet Eesurer fiieai.eeieEé._"ebE€ect:ve:eeé..':.{:QEh;
daim as etse the éfiebiiity efolicy.
Pram the muiti facet 'me main
grounds are tf1e.'.KDvOi§CyT.k~~-EE. by the
appeiiant is the fishing
Vesset, AL V13.-'w9%5?'§ed 193532005 tie
§)9.GS.2Q7f_)Q6, .§ej eese"'ef"ei,e'mege arising due te e><tema§
fierce er eefeeée §e'v«e§"§e'e:%é'e%:e%€ees es emsefierezee in %he
_ ¥:ee"ee_-fie?" the ;eee"%:::_§§;V'é:!2e eepeiieei weeée §%"%§€;?"{":§2§f'§l tee
eg;eL§AesVeé*eemege :e the 'geese: S§3§';;: "flee peiiey
ee'§e§-T'.__5§e':9§'eev__ eee ?x%eeh§§:e§y eefieg eereééte ea
_§eeere'eE:yv~_.'te'E,%'e ereeteé eeee iee eeeeéieei ie §eeee"ae§fy
giA"'fieA.ee::1e§e'\ger;'e:fi:eer ef ewe Veeeei eeeinet ,,Ee§eé Li§'ES€§' the
.'_%!e.r§<e:ee"e Cemeeeeeiiee es: er fee that metier er em:
T -4'_4:?e:'%*':'e: eeeéeerzi, '"§?§e wee iee eere eeeieeiéeeg
Z The éeereee Commieeéeeer rejeeiee ihe eefeeee
eee ee tee eeeie ef eeeef EeEe eefere in gr_4ee_i§:'ee*-._V
eemeeesetéen ee the reepeneeni: Neg. which §e§----e:eee'EEe'§§.._T
Learned eeuneef die endeeveur h§e_£;e'ei reEter'e§E_eg "'the
same defence in the aepeafi, However; hee .s§»Jes§»e§';<e€:te£:i::i.;e«
file the eeiicy Eteeif te esCerta§r§ a*:;__te em.e%i:er
eaken finds eey supper; Leereee-..ee~;:_:1ee!."h--ee _f§§e}fi the
eeiiey today? which :3 !'v'iVe1rt.§."s'geAEéuii%.:.»'Sh'%"p';s§eg-Ffeeeei eeiiey
and evidences the fact: The
Seamed counhséeegfi 'ieweiet required te
indemnifyvfige the Act; is en the
basis of 2.3.3.1 in the terms ene
eeedi:ieee["».§ie §s'--.rv::i*': §e' "'*e'E4eee:e that the terme eed
Veeeeétégeseueeeee'::e§Ve{'e: eeeeeefia; terms eee eeeeiééeee
'V.f§'er'eee %:.%:e},..;ee%e;: Leemee eeeeeei hee eeee eel: ee
fee.e:éi.e§eeE'e%;e_\'§§:T:;'%:fie eeficigg, eee eeee?' eieeeeg weiee ewes
V we ee%é:§e::'§ §e*§*§%e%*s %e e: 2%: it %e eeeiieeee ee iereieeeiee
§ee_.eeefi'e§t:;§ eee eeeee tees»
E291 Tee eeeeeasmtere egree ee ieeemeify the
eeeeeee fer em; eem er Ei§§":'%§ eeiei ey ee
lMz«v\xma:xmmug_ . .,
aaaaraa '{a any ataar aaaaaa ar aaraaaa by
raaaaa :3? aha aasureé aaaamiag Eagaiiy Eéabia-,9
as awaar af the Vaaaai, $3? any céaémg d€:':7vaJ'j7'€§_g'~._
damages and/at expanses; where auch_.§.ia?ai}e'ty'~Va. V
is in aanaaqueace af any af the ff§}§iQ4W~§.'rj}g_ 1-
matters or things and arises fram aa""a:c§jg:iarii:
Ct?' accarrenca aaréng the pa:*E:;::f'<:i'v'--«a'_§*", "cVhia_
insurance;
2&1}; iasa af GI" damaga".__t»a_A.any ;§§x'a.ci'~
moxiabfia abject gar ar=apesi':\; *_0:=.j <:1§:he.§-'"
thing ar Enteresi:--,%;r~§*f1atsoever'=ot3*"aa%.»than
the Vassei, arising ~§r°om"««aay aause
whatsaavazj iaaaafar "as sucf"é"'€a'{ss ar
damage 'za.::'o_: <:av2;a;%a'Ci'«.t§e3,rA€!.ausa 1.8,
233.2 Any attamp':ad'~ a a::t;,;a5Ev_ ra"ia§r*2g§ remavai
ar«.aastractian".=af.Va'n'.y.,Vfixa'd Qt' mavabla
:'Qbj;éCt_. .<>"r? ':prop€.ri:y of' ether thing,
. 5:_1'ciVu'd'i".r.;g 'iZ:!1}'je.:>.aA'%.miej':g:£<"'vrj3f' aha \/ease}; 9:' any
p:*:*e§.;§:act as'? fali*iJ!f€ ta raise, remave, er
' - a. .V'%*';§est:*?<:;§e' %:ha isan'.a'."""'
'a'aa'aa;.s%r'§f2..ad by aha aaauraa aaaaa
'{vw''\.;(< " <
233:: ,
aacaa%ra'a:§:a..Vaé'.aV Caaiamary tawaga far {ha
Qf'iJE'.'Q'CV%SE'-._§§'~°€F:'i:€£'§E3§ ar éaaving aar: G?'
a:a_aaavr§ag waiaia aha aaa: aaaag aha
afaia'a-zaycaaraa af iradiag
V aaaa af iéfa, aaraaaaé éajaayg Eiiaaaa at
Vgajakaaaaia mafia fa: iéfa aawagae
{a} %zaS§§ia% madicai and aariai axaaaaaa
~~ af maataé Qff§C§%"$ ar arazar
{jag aagaaaiaaaa axaaaaaa af aaaataa
affécazra Q?' aaaw {aiaay ihaa aiagaa;
raafiaaaraiiaa éa iaa féfiiiiffi af WBEESE ar
am; axpaaaaa '¥'§?}§C§"% aaaaa fraaa aaa
V ii: is ergjngeek
tesezéeetien sf egreereeetf seée ef the
veeeei er any ether ac: ef ihe eee:,:ree)..
8; The teams extracted Eeavee ee seeee ;. '
{hat peéicy ence %ssued grants pretectéee and _§;"s<;'e.§§fsn:Et3;{ tie
the Eesured against afi ciaims ae er€.;s5s'1:*2rea,t§ee'ee.if:-.'2'@;1'Viézeg
23.2.5, Hewever, ihe Cempa.ey..__§§asV';-efigéjt cer*:a§r1 %Eabii§ties as enumerated $329.3 ending with 23.6. The appellant insurer has exercis.ed tha:f.VVrw§;§h:t e?'§é*'.VA<e>.§_<:§":..«é's=;_i'<v:§:§:;;'i.>_'* 'Lit shaié not hoie us Iong.'_a3e'4 ieeerer has incorperaftegjvlnea it caenat take a stand the: __gAeee-%:e--!.__: '<:¥e%.;ie_e-...._§:2§n:iEs2g E: te meted: and Eefiemeify iee' seeeefee"::*v§§§ 'be"excieeeé fie eeeseie eeieee _E%.;eefme£§~V.T'V;e"eage: was reeeesiee ie gem: ee: free":
V Ehe peE--%c%gv--._'§as'?:{§ where Ee seen eeeereeefieei, fie eeeéé mi ""v.4"*:%,%'§stgé::%:;e tee: ie ihe eeiiey iiéere fie ee eeee eeeereereeeig M?
flfié 1%: $3 settéed principie sf aw that in 5 case reéatigég is séaézns ariskég fmm the gcfiicy Essueé ::§:fie4r..fi::.4e:T~.._ greviséens :3? The insurance As; E38,, the inszzrer%f fia':'_'::,§s__j'. --'~ span gut with Qertairzty as its what arggife the'':e:;iff;vs'''a:%:dAV '4 conditicms an which the Qeiicy was §js:$ueg:1',,éf ?t':,§.a§ Eé;; A' the téit has is 538 En favaur 0fV'c§:eV insijreéig Vbe=<:f:a7;s.s:s::./_"ihe:§ deatrine 3? €O!'?i'§'"3 grofergnfem aj_;_§'}"p¥,i e$..g_» Eri'£a_ée Sf? any ambiguity, then the intVe;'t§:.2 %?'e_tAa"';is;:j;>'1%§%"V-_?;E<2§=:'erms cf the poiicy has :9 be favevwr-v:3§'Vth'e«".%nsureé§}a}:d net the insurer, Cr: '£h_a§i:_ ba;:§7§s_; E'an91._sat§sfijed;Viiriéhe absefise of the endorsen*:Vgr§'t1".;_:§n g:~é:_:!:§:y incorparating the exclusisms, :he ;:é'«:!«§.;§2~% Enfsurancé Campany and rightéy the '€efmm%§s:aEé':§Ae: V\fii§r§<me:z's C§§"§'1:§E§}S§f§G§"% E233 sggjféégd E: é:~:§i:%;§ ':§3a %§a%a§§%%;' :$ §§::;§%:a:*§€ the gwayd »§a'f$s€.;_Vd5 E3 ?faiéfxsi3;.§:._V@f flee ESE respgnéentg '§'hs:*s3 is :23 mezéi §;zL"'f§z*é___M$§'g;\é'_§éfi_. VAV.T'V;"g{§§eai Es fiismisgeé ai Em gtgge 9? V 5sdm§s§£'§~<3::;.. ' § § § § 31$ ?he xaeunt ifi desfigfig £3 §f§€F€fi Ea _§§ transazkteé is the "Té§gaai fiar paynieat ié Eflé_ respoadent hnm* 'mimmrrmu