Karnataka High Court
National Insurance Co Ltd vs Bhadramma W/O Late Govinda Reddy on 21 January, 2009
Equivalent citations: 2009 (6) AIR KANT HCR 105, 2009 A I H C 3660, (2010) 1 TAC 818, (2010) 4 ACC 626, (2010) 4 ACC 794, (2010) 3 ACJ 1687, (2009) 6 KANT LJ 697, (2010) 1 CIVLJ 415
Bench: K.Sreedhar Rao, S.N.Satyanarayana
xx: 'FEE HEGB CQURT OF KARP€A'I'1%}{';%, B1%NG;ég;i;a.'§aVVE_'__;' "
DATEE) THIS THE 21%? my SF' &ANUARY, _':_2--:§Q'§A_T.j:~
PRB$ENT:
THE HGWBLE MR. JUsi:f:.c1:: K.4sRE;1§;a1~m:é:"_;1ae;a'Q'* V
-mg E~EON'BLE3 MR. ,a'"U..§§§I'§C'§:'f'S;'I;§',j4 §ATYAfiI§\§AYENA
M. FA. N:j.$64s'i-i éecs. aw.-%:"%;'3:
cm; M.F...p, z~§o.c"..Q:=;,2;':2'oe:sV-- ~
m.1'«'.A. "
BETWEEN " " *
Nz¥E'§{)F€?xE;"i§%.$i;?;E%AE€{3§3 C3---::m'
Tfiaaucfm I'1fS":%.:~3:f;:z*),:$i;1.t, ':';>;§*:?:<::g,
g 144; Si;§BH£%..R3\_M{Z-QIvEPI;E}X§_
M.<;.R0.ar:3,BA:%<3AL<:2Ri::4'1.__
REP. BY iTSLg33:S"r;aN*¥f Rf;€§;E'¥A{}E§'R,
SR; S,f£:3.,i%*I¢%L§Nf3A?uT' '
" ..... §,PPELLA}'%""E'
{1:%&*' SEE B.c.$EEfi'H'ARA;yLa mas, ;§iZ}$«"{}€2-§3s'i'E3}
g<3?§¥2?}. "
1 " ._ SM'}T\. 'gigfibmmma
'w;'--<: L;'§'§'E @<>v:§~::>A R393?
A'C§E_'D ABOUT 37 YEARS
1' "::;M3'. {;§.i}M'A
' ~:>;{> G(}VEE*é[}E's REED'?
AGED ABOUT 1*? YEARS
' 3 Mfi.S?'FE';R Lem?
SIG LATE} GOVENEEA REDS?
AGES ABGUT 16 YEARS
'xi
4 MISS.I'£AVYA
we G(}\fiNI;)A REDDY
AGED A8015?' :3 YEARS
#2 2-4 BEING M§1'-EO§~"{S REP *
BY THEIR MOTH'E;R"E'%~i¥§j13TF<fEZ:Z-?':E5'€L%1'»IB';€I'$f'};_"_%'A"'v '~ V' 1'
ALL ARE'; £2/G 340.9, KABALiPi':'R;%M,'----.
MAYASANDRA POST', " «.
ATTEBELE; HQBLI, - '
AREKAE.» maux, BANé31AL_:3¥;_E. §'>~1::5~fr."~% _
U?
M/Sv:PR09§2oDU.Cfrs'~V. 3 _
:\:0.?5. 3c)1::;:>AN;"::5:Kur§'§3:,.'4 .
MARUTHPsH2§L'Li, }3AN;_3ALQR._E:#3? «
" ...RESP€}N{)EF~%"I'S
(BY SR:13V.N._}§s'fii..i%;¢gi%H:i§eA§<;§&*AN_a'i AQVOCATE my-2 R1}
*1*§~ai~--:_S '--Bsi§}'«'A 1€.';::%:4L¥;D"--:,:;--se': 233(1) SF ME? ACT AGAH'é'S'}'
THE JU:>€3MENT ANg»V_AwA§>:£} m;I'ED:5.5.03 PASSED EN
MVC §€£f}.12%8..1j9:4- '£:N%§H;E"_.:?ILE <3? THE 931,, cm; &Um3«E:.
(SR. ,£>_r~:.} as; _MACf1', BANGALORE RURAL i)ES'i'RiC;"i',
Bfiflflrifihfiflfi, Pgmvgy ALLGW§;:"@G ma cmim PE'{'ETI£§E~E
"ma-«c{;2v3P§;'N.SAT:ofi';"'
V'=x§t;s§;A;T.r§e:;ézi:~::;i'2oe3:
B§:'§"f;_3S§EE'=§§ . '
s~~m*';. gmmzamma
A. , _ s'1€}ED A368'? 3? YEAR3
_ "~2&sj»:> €'§{}"'v'iN{}AE?E{3£)Y
'-- Rio MG 9, KABEXLE PURAM
§v§fi;'fASA DIRA POST, A1'HiBELE€; HQBLE
MEKAL 'I"ALUK
2 Gmvia
ASEZQ ABQUT 19 YEARS
%/
'W!
3/0 GGVENEBAREDEY
RIO NO 9, KABALI PURAM
MAY'2%.8fi EEERA WEST, :51'? f-%IBElI;-E3 HOBLE
&1'% EKAL TALUK
LQHIT - V
;?s{}E;§;) fixBOU'}' 1g YERRS -. '
3/9 <:;Qv1NDA:*er::;3D'¥ "
R/G NO 9, KAEALI PEJRAM '
MAYASA an-'ea. mar, &'§"'HE37f;.LE Eiflfibi A' T"
ANEKALTALUK
AGED A801}? 14 YEARSV
£3/S C§(}VEN_'i}A_REDDY''V~ ; _ - ~
Rji} M3 E34', K»§.§:.ALI:1._PLwaM - " 'V
MAYAS? 13- 'i*RAAI.Ef}S'i";.;A_T'E-infBEL; V HOBLE
ANEKA1,T.;xLIJK"--- »
SI?§'¥€3}').APPi1?LLAN'i'«.§§C':_3 AND «-'mag
;v1IN<'3i§s §I2E:§r«:j:a-'sf '§':::1§;-«:;I__R" MQTHER AND
NATURAL, {}L:1A:~=a;;;FA';%z_§ STJET, BHADRAMMA
» V ' V AP?E,E;EJ-ANTS
:.g<:;3s{ SR:":::,é§:.'A$wA'r§§ANARAYANA, ASVQGATE}
' 'észigfs1§?:vé;<{;"_1PRasvC'rs
«No ?f:§',;'--Di?{)D:§NEKUNDI
' FviA,Rz?£T'F:L-XHALL1
"'3¢%%;GAL{}i%E
AA : §§§f1'E£}NAL EEKESURANCEE Cm» L'§'B
4E'\€iG'I"'OR THERE} PARTY CLNMS {1'v¥'E3'iCEZ
V' 'CKN CHAMBERS, E FL-00R E MAIN
SHESHADRIPSRAM
BANGALORE 33
RESPC}['€{}E§~IT'S
{BY SEE B,C,SEE§§'HARAMfs, Raf}, AEVQCATE FGR R2}
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THES Mm E23 FELES U/S 1-'?3(:) GP' MV AC'? AGA_}E'§ST
mg: JUDGMENT AND AWARE) DATED:6.6.03 M335;-,j1:s'>;:xr
MVC E\i'O.1:281f94 ON THE": 1:-31,33 cm my. PRL. Ci'd'Z£,.«;.i"<,I_i}G:'"§_
(SR. ms.) ag. MACF, BANGALORE WML 9~1:=3f£'I:2__:::';iTg'
BANGALORE, PPs.RTLY ALLOWING THE _cLA1§s§~:..PE'r:T;---:::Nv..._T _
FOR CO§'v§PENSI~'s.T°ION fis.ND SEEKEEQ-G §%3HAE§IjC.E_MEb§T' ms...
COMPE3SNA'1'E'0N,
These appaais coming on far Ordé3f$ :3a;§;g
RAG .32, deiivemci the f'<}]}ov.?i11g:V
J:;nG2sx'a:~im*M::,
Que Gavinda Redd}; .é':Vpa3--§€I1Vg€f"3;: bus kfiled in
an accititmt £311 1.3f?'.1994.'-.1 -account 0f the
co1iisionv"i3'efxxgé:'::ii é.3::fi~nti}:e iorry. The wife anti
<:1r:,;i1dré:fi"-- Gf: filed a petitiém seeking
c0mp&11sati{3:; filed an apgeai seeking
_. _ en11a;::«;:e3:m3:1t of éampenvsatian.
.A * .. étjgsélfer has filed. an appeal sacking avoidance of
that there WES 1310 caveragfi af policy
V _ 911 {kg the accidant. '§'he policy issueii is markefi at
i1a".s€,f. zero hours sf 14.7519£34 to mid night of
,:r3','?.-:599:*s. Tlfge ixisnreé had paid the pmmium amount of
-R--:s:.13{}'?',F-= 91:: £33'. @994 ffhe EXR. }=~I°t3C:€ipi is issucci by me
Vinsursz' to that efibct. T215 tribune} hag awaxriaé
2%'
compensaiiem sf R3.312€3£E»8f« with i:fi:.s§es~;t' at €%'Ef£; pa» magi
6.i1"eCtefi the G"fi?l1€I' azzd fizsxzmr csf me: §c:)::":z"3=' is ;"'§;»a3:
campfinsaiion. The <::£?cu1*r€m:€t 6f the accifiygfié ':%:i':cé'~
::€gIiig&:1<::: 9f the 1(.'3§'1'§«<" is :19? in ciispsuia.
3. In the Context 9f the §::i€3ci§;:'1§S"arzgi ¢vi§§;§tfis:€ ¢§'--{%2e ..
énsurei", the pmctisa questésfi. Ehai az'is1--3._ 'fax; $G.3L}ST§§~¥3f§§:':3:{}Ei "
weuld be:
if; wlafithez' the risk :>f.§:h;€: i:j;Si::v$_}rw{;1;11d cexizimeziiitfiz {mm
the time of the a¢.Z:'s;":€_'}_§".'f8"3'.'1_(?,'€;V'«Z§,f 1?)-xfiéxnium or Whether it
cammeilcss fmrn 'the 4:331:16-.cf :;s31;Le._ of the };:>oEis::§';' cave-r
note? . V --'
5%. Véryl. _ .g.VL":.';V.S€§{i"E:i1£§i:'4'fa:E:§. Rae 001111361 for the inszirfir
piaced ;'€1ig3_;:Cr: :ipQi1'» f.i3.ci " ';1é<:£§i011 of the Supramrz Cam: in
Deegétw/'*;£*'¢;:p0I;f5 fleas,» India Assurance Ca, Lédfi
.fi'2%9€3'9§AE1*§g¢{3§':J-j§}8§. ':£;"§5m 9 and :3, ma; :2, 3;: is heist}. 11113.3:
1 L-..""VQT,. "::;§_§;€ like pmposai Sam: 13}; fix: a§p€}.L3:1"¥; was;
§&3c.e'ite.%€:éV"t;3§%"~tEi;~: Vinsurer an 16.61989, it requjrefi that the
perépd, sf _":f;ns's..1ra11rca covar shemd %e far the gaeriefi
12.3'.19é3 8 to 32.§;198§? The mason Why the I.'€Spt::~7.1éetnt
__ -».22:a::ta€i.Vf%_;?:::a: iziauranca cave: retiwspeciivaly {mm 12.3.1988
V, 31$; vT%=:;E}vi0u,s. 'The izlitiai insuranca policy expimd. on
" _iV'2_'3."A§J988. Under me temzzs of fmance haztween MSEK'; 211116
"1'§1€"38.;)p€Bi-:"111?Z, apparently it wag 1150633313? :9 have an
zxfiintemnptgd and cerautixxuous insuraxace cover dining $315
VV '"p€:°i0d the machine was secured in favezu" of MSEFC.
Tharefore, 'aha appeilani wanted the insurancg covar ta» be
ceurxter ;ar<:>§30:§ai. But the agspéliant defmiteiy {iii} .Ei::3§,v:{"1?)..'%J€
{he fcpurfh »:::ho'i(:e of propotmding a ceneiuded C{}11§I'E?,;??_Vi£.?'§,i;:?:
3 madiiicaiima fléiflifii' pragsesésd 3:31" agreéd to _.%:%y' »gii§§§i:z** K
paxty. if the appeilant dié 21.91: agree: to the poiicjg c::§%;*rj'§é::g'. ' .
Em: pericaii 23.8.1988 ti: i?,:'"§.8.}98§ iixsiearzé af".ihe:j'p;ei*i>®a:i._'T
12.3.1988{:2 1Q.§.£989, the rrfistzfi V'&?§?fQ3.).1(§ ::.:'é§i;%Ie:*=.g::.v:~¢aie'-aux insuragxaee c:)3;1'Eraci efiecfive fiom :"§G,é."£i§§8§} at .£ii;;§: -;;§:':::~ date.
"112. The cantentien of figs, iaarnafi C0u;aS£i§A ,f<::r V'_"i.1i"i€' agagaiiant that an; €q1BZtah}e'~.._v':s:§'«;* mt;2.s'€ -355 ¥;al<§iEI§ is unftegaahie. in 3 cm1i:ra€:t 9i:"* §::2$umit:~=*:_ i"igh:3 and e'i3'iigatis::»:13 are snicily gmgr::r:1E:d"'i1y't'i1t§-»;§201ir::y' é:;f..'i¥1Si.1£'€§3;§;£te. No axcepfian <31" re1axai.i«;s1i1~ cat: ?t:2r?::V"3::::z§x.r.3;Ve*"«:c;»11 {E162 ground. 9f
5. '$15 des;§s:t§;p;1'% sf"-$13; "'§i'Sti13r§=§r;fi{é~~,._C§5ur{ in Qrientai :::suranee%Jvz:é5;jép ?s;':*1gtfmnitg-.R¢fiL%-,%mi Am 2993 sc 25? is raliaci ufiafi' $0 Vf.i3:_.é iiabiiity 0f {E18 izxsumr urzdea' fix: §){}§Z§i;7'::;' égaaixisi §.E"t3%:':i,S"s'"::},'§f"'_." Cif.¥Ifif£TEk€1}.{:€$ {ream ihfi £i.a"€.a a'z::.<§ ~ V. « tmgeiff mé}3tic3:1é{i§~--Vr;f_t};1¢ issue sf gxsiicy. ~ '"€':E1&V<i€i}::*;is__ian 53%' the Supremé Qauri in fifs Sew fizéia Vs, ma: James, in 392 was $6 $51 . 3:3 ;*é5};i:=:afi"§1'§{5fi £9 cafitianci that me Eiabifiifji at' am éggzmzrfix" fig V>SL°§'~"Z'£}S}" iii acxzzmfiazzce with $316 iarms mi" the yaiicga : ?. in the Eigfit (3? 'ma rafile Eaié :;3.e:.}w1":. by {ht Sligfiffififi Qiami: in the abavt: {§E€iSi{)3;'3.$, it was atrezzimusigx czaizimiésd V. that '£316 jgoiérsfg in quastierz is ifisued 011 }~<!».7'.199<'¥. "T-'2j1€:
auzrcidsszfit €::<:;~r:.m'x*£€1 011 133.1994 at 13. 33 a. 31. 'F%:&::ifg;§,%:,'i'éf;éV"< §:1$:13:s3* is not iiaéak: is gay any compamsafisn §«3§.I1C'iZ-'._VEE1E";1'S": £25513 my cnwrage sf peiicy an thf': date (ff '%:»I:13_A é1é;c§Vc§€f:'i5 \¥ith emphasis, it was submiéied th:»§t ihé'--Ife:€:€ip{ €2f"g3z'er;i§;ii::1 ' and issuance of goiicy COI1Stifii'E3>§"'-3; C<)n'i*3*a{:*.3:_ jiig, §§é:§&%'§ The Eiabfiity cf the insurer Lmgier t}3;é"e;:€f;§;;:t1%1::_': §$01i'é:"iAA arise csnijg"
afixer the: iasuafice Bf pafic}? '23.: ':.'::::§; ;gH*1y€i_m¢"c21r1ier :0 'ihai.
8. fézf " -..cn:$_11<iat<3:'§i§' insists i:13u3:a§1<:a ';s*é:;1\'/;,,\§v§'€e*;':. 6o'%~{v}('i?} mandataes that ca:§..é1:§$;t:m€ risk esrgifig on 3:§<:a£§.}t af VA' macée $;ha*£: $316 5113:} 233105 CGH1p.?.,~3."%§7 cat!' .£:;I~3s;:..i*ss:ié: _;L§'é":}i<:jg against the issmi {sf €.':?1f3€§;7i1{i '$33.3 iagisiizfif in {§§}€:E§'§iGEi is 3 naiignaiigeii Camgaxzy €;w;1§:*d {L-'Ié G{}*£e:'r;;}m6§':i 2233:? wmiéci corxstiéuifi 'aha? Séaifi . %>»:ifl'?:_i:1 tvhé. meanmg cf afiicie $2 arsf {hit infiizm iiazzgtiéiziiazi' it 'ifigindaiarjg' umier that }3I'€i?\?iSi01'1S 9? $336 Bv'i5'¢',E£ct mai :39 44 _,.g,~v§%§1iC§€3 can pi}; in :92 géubiiz: piacz: without a vakfi '§}G1iC§?' is 0?
cewtr Ehfi risk ef {him party. Vv§I.1eI:€i?€1', {Em Gvczmr sf" 3:
vehittis makes an Qffelf fur issue {if poficy, ii. is 1E§}aV0i§.;*%}f;f1€ Gbiigatiozz of {Em appeilaxfi {:3 rttcsive the mqiiirtzd...§)i2'irfi:i%:~;1z_'* ., 'éijid aftrsr pamper ve:1lfi:::a'€i<;:1 af necessary detéiifis ifsafie:
paficjsgp The appsfiant has :10 dis<tre£i5i:"i:x_ the issuancf: of poéicy, since, ii: is €ii<'--:__ iI3_m1iia'zé .0? I,,a:£>'V ever}: vehicle can ply in a pfi%'§§.§ £:r=Q1js:'--.V§$e§%;e§%;; é'€3v«.é§"::£§ wzith vaiid §i"iSi1E"€a11Ct3 gcii-j:j.fjg: CQv€:::;f;g riéfii' +::§ figs tixérd fiaftjga . . . .
13, in had paid {ha premium sir; Vi:-¥;'S'Q. 1"ff'*£V'. comma, isgzmzi 21 recaiyt 1'1"-Q i:_--=:s:1€d 5: pdicy, E1<m'='='Exr€:§*, Wfif. }4a?,19<}#.VV._§:1. the Iaw ami iécig, €351.53 fiffiffiififi q11est§a:::3 _ §3«.?{)1};33:"}; _ $36 wixether the iziaurar cma, iizaééisr figs Vézsaziiixikfklnifizi E:;~f_:"isk is 1338:' pzzfixsi zryf iimts Gfilfif ihaiz "frag: this "é%.::1£: 52:" z'éc::i§;:€' }:;§ .316 prizmium.
1 ~?;:_i ragazxi SEE. E.§'{Z.§€5€£:ara§1 Ezaa §;t§e:1<mi3us§j§;
"s%_:"gu;:::*§ .{}%é'a%, $356 izzsuz'-m' has is mafia izxspafiima 0%' me "E%'f%1i§C'1:§fi§ scrzaiiimiss $36 recorés 331$ '{hem;s'i;§'£€§' waulié @3126 the u §}£1;§if:Tff' if t3V€i"}' {hing 513 in {}Z"€i€11 'figs mere Etictfiipi Qf §:§'Sm.i'i1m ii} (10:33 no': Cmaiie 311}; eantzact ctr ablégatioiz an €113 gar: ..;Qf.:hr;:
itzsurez' against €116 third; pa;;"t§-* amass pszfiicy is isS:.:§%¢:d}'k' :_. ' ma-
_ Supreme :;:Gm'1:, in Beokar E§s:pQ1"':3{=p) §,t:iA.,fl; 52.53: f Assuzmace (30,, axis am of thsvégfgxz §:§£«:ei: ':1:a.¢3 rafiié; é<'§;§:;31A in {.336 decisiozxs ctitefi is neat a§§5Ei;;a?1_§a ma case. '§'E:u:: facts ciied '§_%§_"'~A$l1& to vvv'.'A:A0€}ve:::"a<ge sf iI1SuI'a{ICE of macE1i::€r}gj._ J£:#;stitu?{i=0n had Stipuiatefi '£0 "A;'._%§;5§}{3'{:§3¥€i§' Cavmsage sf insuranca £155? in {snug with the r£{;?a:i1'eI fi%:fii$' * bormwer had xsaght iSS1E£%I}_C%;-Of: effect, Tha iflfififfii' hazti iSS11€§_ 3 §_)0§§ac;};' 'a$$i;:;§Lfig'~~f§1e risk oniy W.€.§.. 13é,6.§§88 cm " '~ ziatt firm f3:x=:3.3::ium wag 1"'-3C€i'%£t':{§.. E11 *Ji6"i§£' if this 64~{ss){b} and 5.11 {ha Eight sf fake g€::::,€z"a3;
'p:*i:1éi§:31es« {;;fC*~<3:.::tracr'i: gaaziaénizig 1:0 gsffer 3:151 'a£';'<'3ffiptafl%;'£'§ it is held " éhe izmzzrezti had no zéglfié; to sask paiécy '}"€TEXK'€;}'3f§'3€€V3'fi;V€§.}£a 'fihan {he poiisgz is issfifié. and acceptaa Eéy ' firasured it bfififflmfig the csgzicéuded csniraca if 3136 " H§iisur6<:% was not agmfiabia is thfi 'tfirms stipulated in {ha 4% E')? After Carefufijg going iiimagh the "
§;3<3§i<;*§; hfi has ihfif Qfjiifiil ':9 rapuéiaie {£16 c:::3::':rac€,, which 03' zgtoursa W213 :10: {$9112 in £1355 ciisd case. E1: the <:0:1%e:>:i.{3§"':T:ié;:v,4 Said facts, 1: :g gmza mag, in the ztaifiraci fig ;:;s;'::ra;n;.:eF."§1:¢'--T "
rights and {>biigat;i<:;:ns ars stiéiréiy g<;ev::'m€;é. Ejf; t2i€:--:p«7}i:::§%:'«Vs£5'.,V izggfiifazxzte.
13, The d&<:i$i:;:1:1 of the S11§fi'€:®izf:'{§(Z!.fi_iTV:'}iIk case AIR 1998 SC 257 Jake lags:ufiiazsizz._V§3a§£fii.%'f§§\ E,;f§%§icipEe of Eaxxg that the iiabiiiiy afvfiigi31$";3:j%::":..%'{;駧1é§sicmmeaces {mm the date 0f '(ha Eifiriffff. ifaiijeg is;T»,ma§:;;"§i¢§.$:fi;{€{;1 in thc }::<:sB;:r§, {mm that '§.i3;1é'--tE1<§__ V:';;h§}ié3: E9§:e::c>;"r" éffééfive anti; 110$ aiariirtr {Q ihai. _'§'f};e ?<;::;<ie;5§*z:gge (sf ir1$'£3:'*e:_i€:e ffésr 3 motes: Veiaicée 'i*;~'97;Za}§ '%.fii'E"i.?1§§3}.§Ev stzgztzfl ?:3':§,:%_ :*i'ifi'€.m£3:::__*2i.>:3fi11g tsjaiiks in {ha efiher ?fg'"p€S 03??" :':01:iz'am:._0f 21n$1':.§%*:.--a3';<ié,._i%--..i$'s{:;a:1€§a.?:<>:"§; '$13.: ihird gzsarifg B133»:
ghouigtfi "':;fsr: Cavfitfeii' "fiszhéitg. 3 vfihicie has is gig: is} 3 _fii1§Z?1iiI;'. ' §5§aé:5éi.. Tbiiing 'aha Staie a'u:ho1~i§§2 ziasigzg '§"§1i"éT&§31€§3s4"«V.§i' é~:3.f;"-§~'u2"a:1::e is d:1t§; '?:3m1;:1d is 'hrs:m€>u:* asad i§nAp--E¢m<~j21¥, provisi<:¥nTs of 133%, Sec. §4{'€}{%.1) dfiaimfta 3113?. "*?;'i1€ iz:$::f:§'é:r can assume fhé risk zsifiy 119013 the §€€3€i§}§i {>5 " pgfimiiam. Maj; ha, that in {faker iypss i;-af 2':-G:£'1'EI'2§.{'E$ i3£?'%1iiE€ izisurance is am: hi the .%.i1$u:'€.1.* mag-E' hava 'aha é.isc2*€'§:ir3:1 is , " 5 ,, =¥ §%>'ifh{5=;V%,i ,.
tiflifif 313:0 9. <::<}i1'i3'a.<:! 01"' 110?. B12': in rsspsszéf of :'vE<3'£:s:>r vsrilgkcifisza there is no siiscrctiafi 93;; {E16 part af €12.52 'Ei§}'§)€§1€-§T§.§L7"'-.:§!fi;1€ appfifiazfi has ta emér %11'i£e:3 {ha c{>'3:s.imC*é: anii issu;é"'pQ1i€:§ T; A' acceifiamiré wifl"; 13%;, if pmper }}I"€ii}1ji1,§I11 ;i$V _1'.r: '£}§'.-1:' » €.'€}1}'{€X'1'. of the saizti factual and is-ga1:S£'é%1:§£§.qn;,..& it.::ls: it: _E:eaE that in 3 centzaci of ins1:1'a11=ce in réspgzji sf iifi0f{Oi'».¥"$§i.-.Z¢i€S ' the iSS'i3.8.'i1C€ sf persiicy b€C8BIfiSv.v_€'i§.CCiiVvév1§.?E1€i:1V'v}§}"fi:fIfii'{1i"fi is m<:::'ived. The insurer gaiinat po$'t.;3_::£n.¢ the "ass;iu:;;€pti0:1 of liability aftér rftceiizat cf pr?:mium.{Thé"* .i:ie§é3sa1"y vfizificaiiam of vehécée 311:1 311?'.'.(i(}C1"i3:33fi;f?;':.Sé""§h€*}?S§{} 33¢; g'i}:):ié before racaégt sf premium. 4_Vi--r£o2x:iéi€§:r,.V iliiélsr the'v.séiir§"§§i°e§exf, the §.;1su:*er Calmcai g}esi.;3<:>:1le' il1eVassiizzigiticza of risk, otimr max; £1132: £1326 date ami té;;:,ae:~r:«f fé:<:éi:;f .9?'-j3rémi11m. Qfizamviss, 'flat: inaumxd Wm:ig:?; '§;§(;+.gi1il{}"'Q.f'ébatifig the use of vfiiiicfis in 3. pzflaiic piaiifi §~'v%~, "i--::bV£;'ij5fiE1:S!.:a11§ C'3S€ the mcfiipt at EXRE 1. §,§€}€S am: m€1'}--%:j;§0:: _ 7g§zf: ¥;1T::3§% 23$" paggzmafit of pmmiumx it §S s;u?<;za§§:*?£-:ai§ u"'€E1at iT.'€£lf3,__ $3-Efitée §>:*a<::i§(:e cf €135 izlsureif is iii; E'€Ci3§'i£€ {figs fmm E§'{}=3a.m. is} :%.{}G p,m. Whig}: aimasz u C§E;:E'€S}30fi€§S {E13 ha;:1}<3i:1~ hears, "E116 a<:c.i:?_::3;1: has e~cs3'z1r:~esi