Karnataka High Court
M/S The Oriental Insurance Co Ltd vs Kum.G.Navya D/O Gopal Reddy on 1 June, 2011
Bench: K.L.Manjunath, H.S.Kempanna
1 "
IN I--{IGH COURT OF KARNATAKA AT BAE'€.C§A}'{Q:R':§ - M
DATED THIS 'mg: 18'? DAYOF"JUNf}§ 2_f>fL. "
Paasamrg _ n _ . __
THE: HONBLE MR. K;1,, h€1ANJi,INA:'f'H'
THE: HQNBLE MR. JUsi*i<:.é:~£.s. iigzi/i1:>gx;N;\i;:L
M.F.A. NQ.3664 M01?-2_oa5 (Mv}«
M.F.A. Nos. 3863_[2006
M.F.A. No.3664 or-* 2ooa_;g' V
BETWEEN:---
34/5. The Orficiritai 'I;1s§.uf.:3:';:;é' C9.-._'LCfiv.§ .
No.2}, SawéVma;1ig.a1a"Co " "
Hosur Main RQa'G,'~i.g__ _ V' " «
Adugodi. Bafigalore ' _ _
Rep. by7}")<:;5*uiy R?:;3;'z';ager;-. _ _
Regional' --Qff§.<::e: Bai1g'ak5:<:_, '*~ .. 4'
44/45, Leak Sh0pp"ing"f:L;mp3Vex.
Residency Rdad'; .V "V "
Ba11g:§I€>1*€ »« 566 £325.
" " ..... .. ' Appguan/[
{By Advocate}
1. A K3211
1:},?:f; Gaga} Rs:-zddy,
Agggii 4 years,
" * 4_ Minor by fathér Sri Gepal Reddy,
AIR/G. Hebbagerig
' Eisczrozzis Cit}; Pas; Arzekal "faluii,
Earizgamré E}§si:é<%§;§
"E
'~ ..VBar;géi1o}:g:A --~ .560 -------- ~ "
(Bf 'S%£v'i_ ; Advocate)
P»)
2. SE1: 8. Manjula.
'N/0. Sri JCT. V€:nkat€sh,
N0.83§, Jigani 511" Phase.
Ankciai Taluk,
Bangaiore Rural District.
[By Sm' RV. Chandrashekar, Adxrocaiie fcfif'
{By Sri NI/S. Sathya Raj Asseciateg fer F:j§2.}A.
This MFA. is {fled U/sv.'i::«--3(:} ck'-.;'vi.1:. A§t";;.1ga.i_nVs:3 the
Judgment and Award dated 8,Q."11.2OD§. pas_s;ed'";ir1V MVC
N03172/2004 an the file of the"=.18'E."V Add'i',._SCJ, Member,
MACT14, Court of Small C9;u.<;:§:=.s,V"-»E;\/Ietropohtan Area,
Bangalore, {SCCH4}, aiazafding cQmp'e_nEa't§on of Rs.37,€)O0/«
with interest @ 6% 13.8" frGh:'E:he_dia};e Q'f"p'C'§;ifiOI1 till deposit,
M.F.A. No.3663 (51? 2oc:é:"4"5'; _
BETWEEN» "
M/s. The Oiien%j2i1_.VIns't;r3:i<:.i€-CC};--Lt§'~.3,
No.2 1, Sa.r\gfafi:.ai1g'i;%E::1V. _c;a.mp1ex, ' -. V
Hosur EX/Iain'Ra;:e;i, '
Adugodi, B-.9u'1gai"<3::""€-.» 4' _ ..
Rep. by Deputy Ma1éz§;ger;.._
Regional O'ffic::*: B%1ngé:,10r<:';"*
44/45, Leo Slaoppiyfig C':gmp3€x,
R€Sid§3fi(::J Road', ._
Appeflani
[mm
Z. N..V§§rishna Raddy,
A S,:"v{:.~f late Nanjappa,
' ._Ag€:& 56 years,
A/Iaiisghpaiya {Tirumaia ESXEIL}
KEg'gadasapu:~a Main Road,
Bangaiare;
Oggfi
7 H RéSp:)§1<i£:;1t;~:;_ V
Q25.
lo.)
:3. Smi. B. Manjula,
W/0. $11 JET. Verzkatezsh,
N0835, Jigam 4"} Phase,
Ankeai Taluk,
Banga2c::>2'<:': Rurai District.
[By Sri RV. Chandrashekar, Advocafle fi:>i*'R_1
{By Sri M/S. Sathya Raj Associates f'<3_r R23} .. '
This M.F.A. is med U/s;i:><3{1) 5:'-Mfix. =:3€'a.ga.:;:s:_.'3:he
Judgment and Award dated '3-.Q'L"11,2{)O5.f3'aVs$_ed":Vin'"MVC
No.3171/2004 on thfi: ffle cxf the'=.18"? Add}. ._SCJ, Member,
MACT4, Court of Small Qauévés,"'-»_Meir0po-High Area,
Bangalore (SCCH~4},__ aWar§3i:i'g*.__ "cijmpensation of
Rs,3,3'7",OO{)/»with :n:erestT-@'*%_8j%.v p'a;g.tjmm the date of
petiti«3nti1}d€posiit. " ._ vv ' ._
M.F.A. No.36a5"O;§l'2oc§5:-a
BETVVEZEN:-5' V ' ' ' ' V'
M/s. The Ofiarhial Iri$V1:rang;é Co._L€d.,
No.21, Sarvamaiiga_ *f:<§n?;;:§1ex; ~
Hosur Main Road, ~
Adugodi, BVanga10:'€-V " '
Rep. by Deputy Manager, "
Reg1<>;:a} Q;ffi<:e:"Bahga1o';7e,
-" '~ ._44»/ La) $h0pp'i'r1g...C sgmpiex,
Resitienéjjg R0343},
.. Appézflant
(B53? Sri PCB; Advecate}
; A;\:D§L ..
K 4_ S:;§N. Venkatesh,
':23/Q, late: Nanjappag
'figsd 38 years?
E"~E0.§ C, Byrasaadra Viiiagfig
' " "Re$'p0 r:c1€.:1t:3g '
CV. Raman Nagar Post,
Bangaiore.
2. Smt. B. Manjuia.
W/0, Sm' JTI'. Venkatesh,
330.835; Jigem: 4113* Phase}
Ankeal Taiuk.
Bangalore Rural District. , "V . s
Re'e.penC3en:s.
(By Sr: PE'. Chandrashekar, Advecaie for R1} " V' =
(By Sr: M/S. Sathya Raj Ass0cViai;es {of
This M.F.A. is filed U/s.173_{1} of MR7. Act against the
Judgment and Award __dated 3.Q._:.1._.23QO5 pé1ss_e€i_.'in MVC
N03173/2004 on the vfiIe_of_«zihe_ ':'-S¥yAc1d1. SCJ, Member,
MACTM4, Court of Sfn311., fZaL,1sfes';--eeV"' Metropolitan Area,
Bangalore, (SCCH~4), awarding e'QIf1per.1.Sati0n_'.-of Rs.37,000/~
with interest @ 63% pa, f:"<':'>fzi--i:}'1e tiaie cf :;}eti"i:i0n iii} deposit.
These aare 'Ci{31fVVI1iI7._§;V fieéiring on this day,
MANJUNATH, Veieiiverecif?£l'ie._f;;;II0syir1g:
%%%% ~ eq.:;».:1;LG T
ffiese _ fareferred by the Qriental
insurance ehafienging the liability saddled
'en t_:w:ia.». ap_fpc1;an: im~.x1fv'.<<; No.317i., BN2 3: 3123/2004 on the
fi1;e"c~.f V ti:e"Ev'I;:_AC« 'E ,__Bar1gaI0re dated 3{).E}.2005. The admitted
f:ic:tS'--if1 bi':-éf as under:~
Sums: bearing' regisiraitien N0*KA~O5/M436-49
g:>\lv':*:eg§E respondent-Manguia has been insured with the
. a'"p§"e§ie.r:t/e<:;:mpany. Cir: :24.G};2GG§~ at about H.353 pm. The 3, .«»¢ 5%»?
' \ u said vehicle met with an accident near Chitioer, 21$ 3 result ef which, the Wife «:35 c}a§mani~Krishnaredd}I byV ::;i:;1e Sanzpangamma éied en the spot The C£ain1a::f:'"'iej_~;i'§¥f*§5i3 ' Ne.3I?'2/2004, Kum. G. Navya and "
933.3173/2004 ~ Mg Venkatesh sus::;Aain¢§' g;rig;r&;.':;s--.:irigugiés, f Therefore? the husband ef S_an1pe:j1gan1ma".3/,f§§.e:e£"
No.3I71/2004 elaiming e0mpee"S.:;z:f;i'en fax: his wife. V' ' ' V
2. The :'aeTi'se.t}e_e'iontenti0n that the vehicle in ievas ey the deceased and the 8: 3173/2004' As the veh:viVe'1eVix;eV.L.;s. f,g}f could not have been used eff' feward and therefore, it was Contemied {HatVtI"1€%IiaBffify--"'eanr1ot be saddied. The considering the evidence iet in by the«"p:>;Ar*Lei.eS~ e:a ihe gmund that the insurance eompany has ee1.iei:fed Vof RS.?C0/~ 3 premium ':0 cover the risk ef 3"" puarfiee eeddleé the liability on the appeliam/insuraezee V' Chaiienging {he same, the present appeals are is?
:3 4». The mziin eenieriiien ei" ihe appellant befere us is {hat when the eiaimanis ihemseivee have adniiiietifijieti; {he vehicle was taken an hire, the Qu€S11iOi"1-',"5fVS£§{ii{flifi§' V' liability can the appeliarii deee not .:"i1"i'S'€.,' ihe eress«e;x:a:minaii0n ef PW3, 'eonieridsu. iribunai has eemrriitieé se:io_{i:t~f, err§:'>':fl he1C§i:1g"':.__iiiaiihe " V company has collected extra p;ieViii§.i;::2._VLio risk cf hired passengers. Aceovrd.iiigAteL. and the deceased could neiv ha»§e--::.§.ei§« 31" parties as they are V
5. 31:; wcross~examinaii0r1 of PW3, Ei?:iR'3_ _"'we had hired Tata Sumo Vehicle eifigi travelling in the vehicle and said Vehicle iufileci 5d0i1iIn "and {hay he cannot say how the Viarehiele Eifurflegi (jOV'1.iii"i'!"'H€ was shifted to Govt. Hospitai, .C§:;iei'§:zb:e;}»ie.j:5i;:;fix?'_}.Relying upon this piece ef evidence he requests vzhiejeeuri to sei: aside ihe findings ef the iribunai 'and exerieraie the eempany from paying the eempeiieaiieii. The learned eeuneei {Cir ihe appeiiani has {alien iheeugii eeiumii $39.22 ef the eiaim peiiiien aiié submits v I i that ihe CL':1ii'I'££if1iS in the peiitieri itself have ~ the vehicie was hired by ihem. Ir;,.1;,he ci1i--c3L£1'1*:s3.T_:';L:1VeeS'; . he requests {his court to afiew the agqpeglagie.:§r1d=.se1;:"a3i'é:1§5,...:he_' findings of the tribunal with refgarei 1:0 hahiiity g;§;d§:::e.c:;;n3 the ' appellant.
7. The Iearr1ecii.._c'§;--L:gr1:¥_;e1 ':he:A'cLa_§marh:s made an attempt ta ccnvihce this having issued policy awarded is the claimanis. ;
8; """ H.$€'%;'in§A§fii1eafd.V»the 1eé;me"<:i counsel for the parties the 01113,?'-.;;3Q'i:it thjaiihefinfiseeévhhtflefhcffnhsideration in this appeal is:~
(a) '\.Vh€thV.€3_' t}1e'.f§"ibunaE is justified in fixing the V _ V Iiahhilityvghjghe insurance company. Fxicm the pleadings of the pariies and the
-rie}f.:<3sVi'1:1:_j::':._Ao1" F*"\-?_\.{'.'_§1 it is clear that the vehicle in question was hireefbyV.:h:e:;pexrties ta travel frcm Bahgalcre to Tirupathig 'V.which mL::. with an accident near Bangarupalem. We have E«'x,R1 ~ the poiicy issued by the insurance company. It ' hzfige ce}Eec%;eé §I'€1'fi§§1Fi"i cf Re.'?GG;'- under Ehe he/ad basic Eiabiiily. it is net exéra garemium tewarde gariga The e' l 8 passengcisrs in a vehicle CE1I'lI1€)l; be C3OI1SiCl€I'€Cl a§§""3"i?V'p:l1't3,r. Themfore. we are ef thfs apinion that 'Lhe~...,t;'lfi'§z)}ir:l.:§i ._h9,$"
comrniifed an errar in interpreting"; if2._ that the exppellant/Conzpany is l*--li.§:l:"sle compensation.
10. It is not in (l"li$.§LlT;€3'."Elllii'V~-llli%;Vlé"€?l'1iCl{% lllfiliiillastion is a private car. As per (_:filfl--:lj::i{§1§s of the policy {ha same canngt In thg _§ip§ea;.§ :fz;reH élllowed. The liability saddledv__Q;11»4.;;;,_ppella:3li}'illlsgygrlce company in l\/WC N0s.3l"lf__ , .3172 lare hareby set aside. The liability ié 'Vfiked oi} iljé of the V€hlCl€. The partias to bear4;tll*1cir 0w1"1.. V_l§:E>Vlsts.l' The amount in deposit shall be fefxlfid Appellant / Insurance Company. séfw 3l3§§E 3&5"
ill? EUSSE