Karnataka High Court
M/S.Iffco Tokio General Insurance Co ... vs Master M M Bharath on 9 September, 2011
Author: Subhash B.Adi
Bench: Subhash B.Adi
N2'-'{§'°£E }j€gf-Xi. G ¥.JAR.I.) 153?»!
SR1. Ev-'E . {E . 3'v'EAE"~3aJ {E N£3(E"E"i
2. mg é\fI:%.E¥.3';'X{§i;N'C% :'>1'§2;_;9;€.:';*<>§~z
é{S.I.%2'§'{';, E{.}--§5I'{O§§§f}
SE---iA..N'E'§~§E?~E£a{3;'x£%.
13;-w<;.g:a.;J<3;rie:%: 5§3<} 32:?
:3. Sm.::m.Nwr~:'A*§':~-_:
S/O s;2_I._IA2<sz««%Az1: <;<>w'm
AG-E3: MAJCEEE "
we N0. .1 9?, 5-am')1335:;:JN'J'zf;+.iw,,'y*A " .
C:V.RAMANN2XC}AE'{ _ " '
mNc;;;xL,Q:-22:2 :'":360__€}95 _ ..,s<:?:$;-.>e3N:;3E§:N'r$
{$121, }<;."I'.GURUE)i%ZVA .E.3f%2";SAI§ 1_géi}E§>;i2g." R 1;
SR1'.2<.s.;3r-~LA,RA*:"H K'U_M.A;-2.,_VAJ::>_v.: :>«:>£2 R2; _
NO'F§C.E§TGR3_£j)j_'W] ' 1 ..
'_i'his§ _E§.riZ?_'_}'3a;_ %%%§2:s:§;£<gmm s;;;e<;::=.am: 1?3[i§ 9%" Mom:
VE?}1i(?i,Vf3E§--»..r'§(2'£i_ a.g2:»;;§§?:sE:--..::'§1cE j{1'ai;;§:£1eI1E: anti azwarci dafieci
1?. E2:,fi2(}O95"'g>€as3§§é:3<i 1'1-fig Mf \r"'4i",', ?€'<}.433/2839 an §h<~:~ {fie of
§:§'1<:>; XEE Aiigii. "f:§:m,z1}TE_%7£Z7;;2é;:5§e3s Juciggcé, E'v'ie_mb<:=.r, i'v'IAC'E',
§§2"iE'3§§£§i€}IT€? 2:31-'2:.s::i.i:"-i;§~ Qf}"§T1'i:)€?1'1E3Zii.i{}Z'1 of ?.<£,G€ja®QGf-- with
i:1'e.s3:"€:s§ _V £33'?/in -__;3.é:§. '«f:*V<:>:13 'ilhéf aiziiies af ;}:=3:E:i£'i<m iii:
z'€:a?;§§v:«§2?Zi.'§:3:2" " '
. 23 "" H
=- R - . V'
mg;';>:%;;e: ém §'Ez%.§%£1':'§'_Ei
:'§3;'{,'% sax:a:1;M';aEa:&;'a3:sJ.;a':"§»-E
- __ same-2: 5%; .%yj§«:;s,1:zs
'V V' §<;=::.;_ 5:5 2% ::§2:£>sss;;
1::<%;a§).§.*;a:;:,:~~§ :,.;s5{}:,s'§:*
'§%i7'E"%i§£'§§-E?%E5XEf§.E'-E§E?%{2.§.¥",£%
:.2:a§:<;;a_:j<>§%§s: fléaaé %iZ1:;Z%§%é
' ""?%3§.§'~§'{}E-E §EE7'_Z§-5' E???' §'{i':'E"E--§,E::-.E%. ,2'
N;'§."E'{,§'R.;'7§l, {E {}.A.E{'§3L'~'k?€
S19}. M. {E . T:/§.s-'§?\E;§ E3 I'€.5°&'1'§"1 , .. ;X'I:'3P§¥§ETzL,2XN'}'
{Ei%':' S§'%?;§.§{fE'I{§{§§€L§EL}§rZ'~ff': §'7'I2f£E§AE".§, .z7&§}'vC}
;°%_NI[}:
E; TE*IE#:- M'§7'&§'%fAGE.N{.} §:3I§€_E,§{,7"§"€3R
K-SE-(ETC; K, E?" Rflfali}
S E"i.:*-'kE'€'f'E' "f E E'~E}-5&5} AR
E3E\T\§(}13s.LC}E¥3.E%3 M 580 G2?
2:. M,' EF§%"f3{) ":'::::»<:@ G§%:N'£§§2m;u:3;':3z;RAN{i;g: T "
$0; 1:?-113.', .P€'{}.4ie E?'LO<;'2§'<:- _ "
C',Ri3S'.1"U C{}ME?3L.§i€';X' .. ' . ~
I_.2f6§.\ti/vi-f:}:J§;éE:: Roar} " "
:3;aNC;;x.:_,<)I{£§, M 3
:3' SE€§.?v'bXNJ§£NE§'7§fI'?i
8,./<3 SE{E_.£ji>gE§f553?j3II'fiH rG.;e:?2_w-':i}A .
g-aG§e:: M;-mQ:~z,' ' .
R,f{")'5 N0'; SifiiiiE')$%G:Ej'F€'I"}7:§-52§§fi'A
<1 .mzzz_rvzgaN ;'i£:,:*;::-_;;x;§2 " ~ _ -
::3;xN€;A:3_0 R132 4 «5:3o'@9T:3 g . .§:{P:8E?GN E')E'§:E'_\E'§'$
ism.m3,i%:»4':;x;;%,;§:':--1:: E§1}fv'§.A'_';1{. A3322. 9792?: R3.
;*E*':;?§'??£§",'s"T'3_fv"i'JE§':':§§?§.€F§'3zE;A.E%E;. .z*2,.Ef;}'%%'. §:a:;~§:2: $252
2-*\:'<;°r_:.f::::f:&:. '§.'£> :2;:--;«- :53 ,2' 1%'; V
'§'%f; §_;~;:.I'~e"§._§?';'3': :5 f§Ee::.% zznzigrr :%:;::%<:1?..'§.s::s:': E?3{£% <2? 1)\2'§{f;':,{:.zf
_ "%€':I:%T§jé' ;;z.§,§2>;§:'15;é. 3325 3;:,z::ig:m?;':.*é. 21:12:} &%'i¥E"i.§"{§ a'§aE.§,%::E
" ;:;':;:s.+;ez:§ 2;»: mfg: f'€:;:,I--3233,z"2C¥€iE§ <:';:':. m: EEEG {if
%?T.§fiz-?:' XE. .;"%g:§;s;"§_§§ Srgaaél CE§;?;,§§§é."?°?L-}% :,§';,§;{§§;§€x §r'§€:::'2E3m3 Ts-'.'£.,-%'§{TE'?
§§22:ig:2?a.i's§:"eé' pg-'::°E',E'§; 222§'§:}21:ing th:;é €:E:;»§.im p€%'§..;%.§'.'§€§}1'1 aim? Sé';€fK§1'"£§§
V :'~>f:":_§": 21:73 if?{?:'§7E1%';7'"'E'§'E'. 0? {'?{}iE"£§}fi?§1$2E3§i§{"§§'E,
" af:§';j;':::':?t::';'&:'=,s": {?{}FE1§§'7i§_.?; €32": :§%:;;* ::2:'<:ia':§"s.e; éE':§:--i;-2 fiiéifgfl 2:;_i:e
"'if:,}':,:':*%; {§€*:§§'%--'éiT*.Z'"&?{'§ ézém €"<%§§<322;'%:'1g:««
JUDGMENT
'E'E1Ei%:*a=? is; 22:. {§E?E£Ei.}? {£7 2 E {E2-1j;:<~':~; in §EE.§3.'":.;§; I'v'§§7.£1 i'€<>¢§2E%€*é_,f2{}§{), {Ta11.::':,;e, s:;E'*::,'m.-':T: is EE3.{1','~ijf£?i}'}i1t:?{7E3, I'}c>E;%:'; ':}jE%' giaggs in E'i§i;1g; tmm I\E<_>.52E§:%ééE,f2{}E{} «:;':<v>;)f:1:.V<'r;i.:3:<"';z~;': :;£--.A * A<:cé}r€.§1?:'1;gEy, '§'sf§i.;<~2sC.{iv.'LI\§'<). 341% E 5%,:/'.26 i 5.33 ' 21 "§xf":e:ss<% ;;1;'3p:::a_is fire":
§:,2_dgg:£":1:-Bzéi; emrfi zm?'a§"e:i {iai:.:";=;{§ l~7i2.,2L.G€39V uifé s€fi*v'£'J(f i'xT{:s,éE-3.3/2GiC}§ an ighevfiig' <}f§:§'*:%é: 'EE2fz":i;s;:':':i{}ii:%. MP-1% N033} E. X2010 Essa fiitfi =§:'2:.'s§_.i.t*é§;'.fig.1e;s~;'£,£€>n.i31g§ iihe; §i21fii}.i'i1§/' 3}:-3" 1 :g_:::'a":_;*:E:t_.m2_ {if :it€3z11;3€~::1§=;21'i:i(m. wE:e::.r'£-32.15; l"v'EFz§ N<:$5'28%$'/VZGQQ i--SA 'f7i'ie£': by the {IEEEEEEEEEEEZ s;£;*€'§:{'i3;:g,§ an E1as?<%::%m£;%i2€;_ <§f'ztvéiémgéss;fi§aa:;§<3:': 9 fT:',»_{}:.1 a1.§;&g§%'<%'<::iz;ii;imt: 95 E;E'1€~ z;:vi<§€:':§t.<: am §°s%<:<.}:'ci am:
_ ";'T';"§T_i*.§:,:'§"3;';»:2i. % i':é.~:.s;% "§=.m*;2.re:k:<.% a:<'};':'1§3é:?:3ss;a-2¢i.i:i>>:*: {>5 §:§§{}{}§{}{}{§,f» WE 31%": in ' .¢{IZ'E.é.:§:1";z2.313': *--; 72% ;§2g;jj§?{:§ :I2.E:}e:.mi5:' Z? }!€?'.EE§.§'8 :"'E§<-7: 'i'im{::=. {H5 V. :é.;:'€;:':'i..:i;§fizz, §"§{.' :~;:':T.:§"§'%:m:7i §'T:<%2a;{'§ §:";§2.:r:; ;,§:'é{'§ ::_>%;E"::-;>:;*' J" .
F?
J: ;;2 " '~ §3a;{fé:%:
' 3?; i{:':::.. c " :i::é1{;.;.;§ré%;<;
::§§:és2:a':>":'§..§*';'j§,;:; E:':2;2.::--.: am-'2,2.§*::i:é.{"E <'*<;::::2§Tés::*:§;;i:'£'Ea}:2 2:§f'4:§ :,.:':':z:§€=z': i:'1jm'ié:s;» 3:': &EX213E1iI}£iE.i{i}IL ié' i$ §"<:::,1:'1a:i ihat? 'tE":<?: <::i.22:§:":':ze.m:'. ET:.a_<§ s:ea::.§'§%;%':'ed; €:§i2s:;% '§%>§E<m.-*i:"2g§ §§'1_§i.31"§é'f§?;Z "§'~¥<:?:2:{i §':*:jm"*5 {EI~i€iE'§-'€;?'f€f§ wi'{:.h fexzitiai ;'m.e:§ "* Ea.<:<§§'25:E:i;<}:;':' (.7? §;€;%é%;§"§ $};':<>w<2'.{§ ~ t.@m§;<9ré1E/ parieizefl / <:2<:c:ig3it:"é1»§AA»V '3*:'<;:r11t>:z":"§:x_2:gf§.§:: _V _ " V' <7:<,>1'1i.1;.:s+:ic)'£': with €1UT'/ PCA §,}§§%E}1.;.sV<%.. <?.:3ré;=:b:'2i.1 «:3-dezna :"z1:1'E-€?.£:p}:1é:_ f1"2?iCT'{'.L,E§'€: irighi; '{.€2E3'7£},§)()ITE?1Vz§%>,V"'.§§£f§.E:Li(?'§.€:fi;' i;f{§%'}f.é}i§, o<:,c1ipit,a.§--{7:{313';r:3:;t;1'::21:&%dEl"' _ VA
4. Pia? Wag; é;.E"€;é21i::3€i__.;?zs; ir1p.;1t.§éai1éf"~£E)§,..g;e:re:f;1E iii§'::'1<3$.
fie :2_:'1_{i€rw§e;%1E: ;i>r§1::?%;"zu';.i:3f:_ u§'{>r :<€2§Eéa'£:i:":g '£,EEé3'.' bzme §1a}:>. ?{)st :>p'é§f21€;E§fl:3Ey {§fs::«1.:gE; Ehe 5<f'§;22§:':§.a1:2i 2.«=:a3 <::>:3.sCi:>u.s:~:, bui. i;her::é 2:16 *§g':31p+zt«:V:~i%"a?:T:é*;emi? in 't,_E1s: Eefi %1mTzip21.r<:és§5. Sifiifif' E.§':€<':.L::§a§1:r::u':*{:.ix;'2a;:§----+:}':*. r€§__§'L:Ez::' f{}§§z;>w up i'.1'{:%2}§,I}1€E§'{'., ii; §A"1iI,}E.33'"E'V{f%:~-.E:liTV'fi.E§;*::': iriaimamii hati si;z.3ff<*::'e{i Egtfi; E2-zztiaé L;:.,:§:=>.£":, ::~:;i{§<;3t'§2é;?%::":2.§.p£:::'<;é駧s§, 22é5;~;:':m i"§§.s:-%{:§ <§€:'f§<t:.§E:, E){:»:"::0:"
.€f._%12::':: §:§"::%'r':':% ise §ft§8% ::?:§s5;;2z%3§§.§iT§; .:»'::m:§ this: ezriéiifi ~ .. _§::a:.:_;:"s:.ii.:'3 2.: :21: 5% £:'i?'{,f;?§'"1{§£~E3'E{féE. "P'%": 6 "'E'rii:> :1 1': 3%, a2<::1%.«:e3:'p%;'.:j:é""§' '$13565: {i??'Ji{3€'3Z'§€;'i€:'i £3? %;:E::.£: §}{:%<:%:_:<}:' z?::'2{.§ bjg é:..z=;.§§.§.n;3; 3:fi{}"?r'£:
KN C3 ' ,,?5w'*"
E. Pa.i:'1.g1..r:d 2:1g<::'ay 2'. ?G,€3{}€3;'--
2. Laiasg <:>E'f:.:'z'1.m:-' i:T:<%<i>n:1a* am :=:<:«:::::>:.:2':i. of ;:>«:am":.2m:?:':i, {'iisg>&3§1it§;. 1.::':}za3;3;:}§r':e%:"es 5:21:51 §{:=$S it}? §"%..1.%:.1:.:'e-
駧T:€f§'}§i,.i.{?E?3 E'. E " .' : "
3 ?v'E<c{i§.c21.E 2.2.:";z:i §nci(§e:'1E'.2'1E __ ._ :%,.,;§:w:.z':&5<%:~s < $51 fiC*{§f»{3Q,?--v ':'{)9:*iAIj.: _T "é.4,TGf§%'; <;e 3;@.,}' " A . ._ Le'3:a:"2'2<;%c§ e:%<31zz':.s2:eE far iifiagfi' (",".1VE1iET12iE?{Z'Z$?.1b1;§§}.i.*£l§:% 1',h::1t:
31$»: :::iaim2m"£: Ema :0 ----E_i_i%:3 ?£,:«%1;:°<§;a;1._2§;Li';-{}é;.2%f"his; Eif<;=. with {he 21:3-_zs;i$E,21:1::e {>17 "a§3.§rc§ pé:;r::v::a.z:'+;1s§--.:'.E=aie1§%".is-}s"':3é.::3 .imprmremem- Ha zrfitsm 2":::::g;fi;=.f:%=. ' n.£;iI';:u.:i;..:_:s_ses :11::'%{--,§i::;:.i"ii%ea';.::1e-:13 §_'}€:': em "":é:':3"'F:§§'":*g;T §3}"E;.."i ?..'m::';:2.:€"fE':<3z,:§ é;'m:': Ei§1::*:, EH: fE".i.'c"£;"§':' E:::::
{:<>w'._:_§:2_é.:€: w'E;'§:E"_3V'::'§f%;£: :»3.$s;;'s£.am:<: Q? E'.E";_£r{£ §}£::"s5:§:'1 g~:,r:<i Em may .r'*§q.t,;;}E2w:=:: g§,;:i;.éE;:%.<::" <:<_>:r:p:=:§':s$;a;i.ic3:2 §,.i}'s%}'2.£§"{§S EES§$§.SflE"iE}{".fé?2 ai:":":::--2'§§€:§%<..:«;, %*§:;é::.":{_?s:: §i.€>"£Ué?i.i"{'§-:47"; §f}é:}_§"£': zgazzifé 3:-:e:.:§"§{'::°§:'1:g;;, E 'V §'in{i; §?ai:i€}§LE"%{?1' 7?.3€Lt{}{3{},i'w <':{:}:.2§{§ 'be am-"2:§*:?E<%<§. A5}: §;2::.:' 215;; z}§;.;:zz':<1:;2§EfE§%é:;§ §3<:::*m;2m.s:::':':1 a:§:';¢;;:-:§r:i§i§;§: E3 {.'ff_§§"£{fi€j?f"f"%;{'i§§? ii 3E%{En{}{E{};'~« z:.1_a:'2«i:"{:§<;%::§.. 2%;-*E'2§;%E': §'E.'§:E§:;' nééi E32 _§::_:*::§:2<:>:*£..é{::::;'§é2% R': é.§"2.s': §1;"::':.:§:;°<.i 9? mg»: §:";§2;:§'§: ;»2:'::% 21. Eéair '?
s~;~:<:.;E'f:%ri:'1g ihai izzhe ¢:%§a§1'm2::'1E _':";.;-2:9; 1:43 E,1§'E€i€?I.'§_{{i} i.h:"<in..:gh{;:.:'i. hifé iéfa. §--§:<w§':.':§; 3'§?g§§E?:.§'C§ ix.) éE'.:.<: ::~;2:::.m{: z1z3<;§§1e§' ?, EL ,{E{}§€Z!i'_}€§,..-»" -- :;.:{.>2,:E<.%. baa? a.w21r{.i:::<.i {m E.E'i§.E§ hc;;a{.§, €fE2g;.i':::2:':2i is éfifiié E-:::'1§'i*é.E<'éc.§ ii} ::%0n':gx>7::'1s§21i§:3:'§ <3? ?,'£'§e{}€}{};"~_.vi:«:§W;:._:i::is; icssssa uf <::~{i:.3::2:t:_i<:>:'1 a.;'1:"i §{'§E%3&z~} <55 EI2Eii'1'iEi§g{? _--}}:'<)$p»é%§;:'i11:'$.s--1' ~ %",5sG,:i)G€}/-- €:<;m-*2::_:"«:i::~; 2z.i.tc%miz::1'fst"s; <:?12:.:*gr;%.s5 _:1;::»:i...5@.;£3'Qi3,-{; *a.i:=*w21rcis-; fL,2':§'.i,1I'{;"; medmai cx;)e:'1$:;:5g _ifr":j. :::E1,': C§2;i_11:.21_:'1¥fi e3:m':i%is;%d £10 (?{}EI11;}€E'1Séii.i€I){} of V%.3,Of:§.__€}?D.Qf~ <:Vf<;$:f"'£:?:1r~: 21i:5€sx%::2". t:h::~*: <:{>:31;3em-:;z1"'{.i<>r2 e1a>v21rcié:;i"~~....by :';-.h:>. ._'I'f'§,vE}'t.2.;1'.>;:1... Wi%;}1= in'£;€re8':4D ;"§s§ "iZ;ifs;;__f gjzsg.€._E:§;§ 'Ei;;'::3i§§-éty (if t%'1:':*: KSRTC and "£316 §:1:s:-;::.:'e:u".iS <7:)V:":::€::'*:'§%:%.{E';'fifisg £-L'<>:,::"€: in ME?}% N<>,:3?'E}3 /' 218 1.9 :;:;:";_{§ <:2::;::z_1ué:»r,:~,;'f;,?€~:.»:§ r§*:2;1€:*i':¢§rs.«zéfissirzg (mi; (T2? '§'}'i:{':' f:§éi§1"é¢:": £i{f{':§{§fS:'§1'§',, Ezzzgégf Eée.}{§ €1.%i;:§,V_ V Q16" §{SE2f£'€ is; Eieaabie '{i{7} §}E£},f ithc °'«::g::§€§_;}€§é§:s2?z.'§fEz:3§2 3:} ihizi a=§:~:i:a::§, cf '§'§'5,%1/<2 zmai iiéze §_:'"2s_=;:.:.:*°é3%;' 2:i;::. §s:"§ E??'§'f{i?{}>T§€}E€§.{§ {}<:%:3e:*e1_§ §:'*::'+;m*2m{:§: {ii}, Lfgzis is»; §§a§3E:% '£153 §3'25§}?' éiifze":"ij;:::*£1§}é%T:':s;2s:f.i<;ez': E33 326,: §?*.;'3§§{€::':E":.'é'. :3? 25%. 961%,}: éh;'._<; m.<3d.ifi(':z-1é',im'1 zimci é3>;:1§'1z:z;:'1c:::r:1et::_":"{. sf {'f€"§ZI31§I§€'.E"i5§EE}1L'181'}. Ermiiiz the ;2.;>;'>e.2'.2E§;; ss--;%'.amd pa:"%:§§; _.;2.EE:{;a_s§é::§e :"m:<>L::":ti in {i€?p<:>:%;§£" is *:.r2a;;'1.$§3:1.%E:i:e:d in Ejhe 'E":'i':3:.~:Ti::g;:}," E95';--'