M/S Mandovi Motors Pvt Ltd vs K Ramu on 18 February, 2011

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Karnataka High Court

M/S Mandovi Motors Pvt Ltd vs K Ramu on 18 February, 2011

Equivalent citations: 2011 AAC 2181 (KAR), (2011) 106 ALLINDCAS 520 (KAR), 2011 (3) AIR KANT HCR 71, (2011) 4 KANT LJ 345, (2012) 4 ACJ 352, (2012) 3 ACJ 1584, (2012) 1 CURCC 152, (2012) 1 TAC 584

Bench: Subhash B.Adi

XN '{'E"I.E }:*iIC§i""E COURT OF ii/~§;RNA'TAKA AT BANGALORE

If)A"IT{§{3 THIS TE-{E5 18" DAY OF I9-'EBRUARY 203 1___

B E3};-'OR.}E

Tm; E'-EONBL-E MEz.JUS':'1<:E~:, SUESHASH ;3¥i.}$;:3'1'w'.' _

  

MISCELLANEOUS FIRST [email protected] N0. 15355/2'o.ogV 

BEZ'E"vVE'3 EN :

M/S Evffandovi Meters Pvt;':. Ltd"  
Baimatia Road. Mar1ga]0re 
Represexaﬁsd by its Director
,:5\.Sa:/xjay R210.

[By Sr.E.._K,Sriha1"i, Adv.)

AND:

1. K.Ran1L_J.~ 4' 
S/*'0 Bahia ; " ' é 
Ag<::iV__egbd*;;1,"e1E=.:gyegars'  ' A'

MIT; T-ulezséi ' *  
VV/O'K.¥?.f:iIB;i,'!_ ' 4' 
Aged zi":)_0ui:._4?' years , 

E523

_ V 3. ,,!5%Tiss?'.Pra1thi'x1:--21«

_ V-.L1f):/<::,;A*-L}€Z.13£2f;.rI1u  """ 
' V. 3 Aged Vz:;i3<:'.~:;z.t 20 years

4;" ._  ..;_\.rfi.z;"2.éE.s:§ij.S1:3:§Ti'V
* V S/0 I?_{..§f%E;a--.,;:<111.
ﬂggerfi aboiii I8 y<§211's

' .. _l'v'Ii9S"An1.'1sooy21

V 13*/0 I{.Ramu

V"-ﬂgad abazzi: £6 yeara
Fa-":if1G§". Rfip. by G:4:a;'{ii..v;m E§.R.ar::'::
§?.€'f:'5§I}' E?'«}'{}.E

A' ' '  z'{£;'PEI-IJAN'F



x
F. J
\

The ReSpt:mde"nlf.s are reesidirlg 2311'.
\?ee.ra1'121ga1" House.

Kaxaxwm 'v"3lii:;1g€ :3: 13031
Mar1ga1c>::é:. Téilllk.

E373

 New India Assxxraarizéii C0. Ltd"
F'a1ir:1a1* HCJLiS(i', §\le11i.1~;ai Road.
Mzingealcms.

{£33f Sz'1'.G.B.Sha.rat.h Gawda, Adv. f{}1'

M,/S Sharath 31 Assign Advs. for R1. tg:s..R5: _
Sri. Hariprasad MS. Adv for :  H "
Sri. BC. S€:<:3Ehara1na R210, Adv. fer R6) V

This M.F.A. is filed t,:11der*S¢cEiori._E.'?'3(1.} r:§7"vi':i"?«ff:¢"§ct' 

the juclgmem. f;i1"1.d award d21i€:d""~O9.EO'.2QG?VV paé;';3€'dwif1 MVC
No.546/2004. on the ﬁle of 'n1eL'<p_:~es:c£i;ag~-Qfﬁeer,'fast. Track
Court. & Member, MAUI', Mar1ga3_o:'<%:, Da1ksh.iI'1.?! Kaﬁﬂada,
awarding a C011ape;1saté0_ri"~0fFis.2.0'2-._.OQO~,%'; w1't.h inierest @ 6%
P,A.fr<:}m the date of petmibilii §'*r§:fg1iivsaii:§1;§ M 

T§"1iS Appeaﬁ.€cm1if:1g'*o.:j* fo'r_ h;=:a1?iv_r1g'" this day. the Cour':
deiivered the fQ1v}c'u.;'ir}g:  '   

 J ti_,'_I;_  N '1'

"ifhiﬁ 2,1p§T)V<'--:ai .r:;\22=-'1*1<=:r questioning {he imbiliiy heid

agai.:1st_h3;1I1 §:"i tV'l'E1£'VVjvi,iCAiA§:;f:_I»31 t'i'I£5I. and award in M°VaC.I\§0.546/2004

 '<'31':v---i--h.'e file of M.A.C.'.lL'.. E\/TIar1ga10re., Dakshi'na

' §{31"i'r13d'a_ Ebig;-Erica

 f~*'2'1'a'§i:::.T:;§<::;1ciiz:sg,g§ £10 this C2158 are that. cEai:11aI1ts ~ 't'h:3

 _parer1tss, ¥:;fr0t§/gar and s;::s;1.e:r§ of the ciecezzaszizd filed a ci.21ir11 petimm
v~ '<:ia.i:i'1-131g; mr:1per1ss21*£,17.<:rn Qf §{s'18¥Ci£3.00G,/~ wii'.h i:1§.ez'es;£ for %h.::*,
'  <:ié::-_B';,h GE" {3r1é? Na:-*t3é.?::g wh{i> '€3££1§:§ t::"'a1"s;e%§"£1':5...§ in 21 x,«-'e.'r.':.i.a:'.2€ bté;1r§:':g,§

 ' H§::;:'§'if§€~KE§-'iE%~'2'{§f2{}{§2--{§i'§fE"? 21 I¥§m*a,:€'hi <:%a.:*, 2-i?h§{?}3 wags:

..

brand Imw C211' and was {mi yei p&33'n121né::1i.}y mégistzreci. The said w:hiCI.e dashed zzggziizasi. the Cu1veI"é: 21€EE.I' Hir€:aa1v'e lzobii on Ba;1ga10re»M2mga§are rcarh as 21 re:~:~u.I£. mi' W'hiCh, {l}'1£?'~,#§;1.'1Ti:%»'€.1i as 'W811 as Navs-:'3r1 died due to 'éhc injL1ri€s::, If. is cieceased was haée and heaithy 21t1d.;w;;s:'a13 (sf. {ha family.

3. The said eiaim p€tif1'fVﬁ 3"'~.§}§'E1S"AD-p%3t3S§3Ci :v'E)iﬁ. ighﬁi, --i;r1s1V.1r<3%' intieralia disputing its Ei;;biIi.t',y, the policy issued was enly for the Ap'«a_1r1:§_Q::;é4"a.fx:i i..here is no liability to pay {he ctonzpensaiign ('Sf :21 stranger, who was t"E'£1V{':11.'i1'1'§;VIi§ﬁ :'£'i'ﬁ:)L1.r13.1 01:1 the basis of these pIea1d1n.g.i§; :f_1.h<)uugh the conzpenszttion at Rs.2.{)2:;QOC1/~, i.i*Qt the ownrsr -- a'ppeEiar1t, herein is Iiable :.o"p;:y théi' r:,<3Vz71peri':g:ai.io:1 anti absolved the insurer from _ its 1i.a_1l3ﬂii§s. it iét» ~a_gé1ins1§ this finding_z, the Qwner of the vehicle is bééfare ??'.h'i;-1' Cd'LLrfi..

}*~€i:{':§',S;';§i;91;1i{fh. are 110:. in dispuie, are that the pane}: of the iﬁshiczlié isﬁa '§""ac:Ie pzﬁicy and it is also met, in dispute that {ha .L,de<::@;21s;s3ci"'was trawling in the: said VE1'}i£'.§f3- and éiaci due: E0 the _ i'?i",¥,§'E'§'"E"i'€é:'r",e ézhai. his: ssu.§'°i%:>:'6i:i in the read a::.::idem., E If fwgé:

. as', .;g_

5. 'Learz3ed <?c:>L.1§1se1 for the appellant subrlliﬂed t.hai:_.

thougla the peliey is 21 Lmde p01:i.ey, h.eweVer, the said p01:'{:}%' is Subject '[0 Clause 21, 24. 28, 41, 59 arlci 60 of the 1E\»1'_ET__21.r1ci in ierms sf Clause 51 zmd 60* it. czovers the rieis: {if E:}f3eV:f)i4i*eL:£,0r, Member, €31"}i1}Z)I€}j,-'€62? driver and use of {he vehicie demeetie/'pleasure §;3urpe:se» ]f)0mes*Lie 31311 means and izlcludes the ceverage of :--*i.:~3"1«:..Qf ' L. ear. fie also subz1m;'é;ed that. the e§;:ne1?1"t;£ 3+.he,. _§reh i'e1e'Vhae"*;1i's0 paid extra premium and as sueh_i'{ eei'e17S*..ihe fhepeireoia other than the risk of the d1'ixfe:=.M%andv. 'Vfizrthef sLtbrI3it't:ed that once the ;'_\:ehieIE§V_.er:):t:1.dhe L1.sed--fer ﬂixe pleasure er domeeiic: purpose, the». _ii§';s_u1te'r ;g:a.ri'ne't escape the liability on the grcﬂmd i£*1aj:£_ii, a. 't:r.eé_£de peﬁey and risk ef the persons iravellingis aiso {he 0€h'er £e3.m.ed Ceunsei fer the insurer 'sg~ubf:3i«f:ted'A tﬁat, t:ra1e§eWf501iey is granted omy for the purpoee of t_h.e_i:fai::'e"€--.:V1f t?iee._r:ﬁ.ete1' vehieie. it is net 21 pi"iVE}.{'.€ ear or a eubfie ﬁrm') If: xx.r3,.s.:.n::§'§; reggietereci, E'; is enly in facimate the eieaier ef 1I:0'i:;r'1~€ehic:1e is t.ransp::}r"t such vehicles, the israde policies _g;1'%2~:%I1 if durirlgg iyzi11e§3Q;."'£.ai.§Le1.1 ef the ear acteéderit €'.Et§={(f$ piece the :*'i.:s§»; G? the (Hive? is eevereeie €Iam:~:es 59 am? 8% aieess mei, <:e~2;e;%r the wee ef {he aiehiarie {er <1:'i.:"§*§;::z1g the paeeez3gk:%re er 2:33:31' 5 s+§%:*;f:*:w '.._.uE ' V' ";<)oiicg,1'?

~ rhsérétiizr. b€fi(}'.&--'f {}'{'ht'.I' perssrm in {hrs :~.:a.ici ear excepé. using it for dame 03: use by the 1i)ireCi,(}1' 01: M€'r1'1E)€:' 01* driver. L-i'{I}ii.(:'d risk (30Ve1'eCE undrér the ;3()Ei<:y 14-'i2:.. Etmployee, third party and dzrrnage to i.%1_a:-?._\:-Tshicle ii will not, Cf()'~:'f3'I' izhrir msk of any €}{hi:'.I' p€I'S{)I1. §"{€:_.'17é?fe:4Fr<3d to Clzmses 59 and 80 of the IE»-'I""E" and ss1.1bmiit.ed §)€1}7{11€'.Iﬁ. ii, {',OV'€'E"S the use of the vehicier far Ciériiﬁ }T)'§:1:I'}1"}(")5-3':.'.:' -i.i'1€:"

risk of ex p€1's<)'r1_, who has been per~miij1,e:d. 1.0; dr_i.vé'i..hri (tar With' permission of ihe: insured risk of SKICE1 péérsdh iZ§S~.CA{J'{IE.31'é':(ViI »vVéi--r1.cf-kfiot every person oc:c:upy'ing the C}.aL'113§3"59 F'-T3i'<E§§;3.v§)f1}j§:'_§i'0"U163 Member, Direc*.t0r and e111pE<3yeé"'r».i,é; dr*iVé'1'~.._ thig Case). the deceased was r1eiirhr:*r a driver r10r";1rf1"efr;*-ployerz;'ire was a mason and friend of driver and s"'u.(%n-p6-rs&§.r1:7S ifs :.n01. coverecf. ?','t._§:1 'rihe. Q1'.LI*ije_éazbmissions made above, the point. "that". arises R11' {:or3.%§i<.j1ei'a*g:iQ19i;~is:

W11ef£§e>r liar: risk' cf the o;:cupani:' Q1' Car is crovered zmder the trade 3 "fir disputrz $1121? tht-:= policy is 2-}. trade policy' £3c:.:'I1r:j5rVVreiézﬁxriiygrrrilihe cIaL1se:~:. 21, 24, 28, 41. 59 and 60. .Mon:«:

x::{:2£eva,r1é ::E_21:,rse:ss are c:E21usr-:5; $9 arrd €30, V»-'hiE(3h are ex'£.raci.ed

-EMT. 595, PRIVATE USE 01?' VEHICLE BY £$1,EIi»I8ERfDIRECTQRgE§:1IF'L{}YEE SF TEE I}iTSB'REﬁ {Mater fraae aralyj ,5"

In £?0!1Sid€rC1fiOI1 off the paymerii: Q,' (in additional premiimi cgf Rs .... .. and noi"wii'hsfm1dirig aiiyiiiiiig eemfaiiied herein ie {he contrary ii; is hereby imders-.f___0od and agreed zhai: i.'?i.i.s Peliey shat! be operative wht'i§~::_z.' the vehicle insured. is being used his the insiired or ii§ii:h"<£}1ie.A' permission of the insureasi by 5: Member ;'T;3ii':3eIi::_r_f" Liz;-_r_ empiegee Q?" {he rinsiirecifor social dcjmesiicfiéz" _p1eczs"i;z2'e'~i ' purpeses, Whiisi the vehicle iI1su.rer:Z is ijeing S(.:«.vz,i;«';_ec3' i;3<ze'*i{':vsi;iferf V will. in terms Qf and si.iZc3jeei' to the E.,i'm;i2',aiie1_IS* qf airiaijebr./_V the purpose Q)" Seei'r'{:~n 1.2 ef i:his%.pOlicy irefji as é':'h.0i;I,gfi he were the insured. per\s*0'r--:._'usiz"zg. the i:e!%;icEe'v«ir2.siireci provided {hat such person:

I, is noi. eniziiied. (_Aoi"Zi1tiez'21ri'i'€y iinder" any other Policy; 2

2. shaii as iitoiigihi-..iie}"si1e'-.fL;:e're {the insiireci cbserize kf'{._i.'l,.'<.'1;'I,1,_"€ZI'ZI<3{ ie the terms pF'.0.Ul'S{OflS! conéi:iiiefts.' ' -- and eridorsemenis of

3.'iIiS'i;1;é3OiiCy"~iiT. L-'-:<)'fc:iria5 i[iiey*a'ppZy. i*ic:,s"--V.ni;i"V beeri, re'fLi:;_e~d_ ' arzy Meier Vehicle 2 Irisi;_ran.L'e eor2'i:inu.;:ince ihereqf by any i _ "'ins1i':*e_r.._ Siiigjecii terms condiigions limitations and exeepiiesxsi Qf -ihi's.___POI"icy.

IMT.6Q1DEMONSfFRATION ~« DRIVIJNG EXTENSION {.7z'ippIicdbI.e 'm"Mox;'or Trade Policies Only) A '-.,..»iYi"l i,.Aeoz'i:~:ideraigieﬁ'Q)" the paymeni Q1" an addfi'i<:>rzaZ ;:>rerz:iii:'i1'::3j'f€s. . . . . and !?O{lL?i£}ISfCU'1df!1Q aziyihirlg io _ "the"'::;:)1'i.i.f'c?§r_i;'..eoniairieci herein it is hereby imdersiood _ ._<:ir1i:i' e{g.ree{i"ii1ai; the poZi.ey sfiaif be eperaiive whiisi: the ' , t;ehic_:"ie:sl_ ere "rieincirnstiifaigieii by perseriisj riei. in the employment: Q)" ihe being driven for the purpose czggf iri:=§i,:ir*eoI prevideci }i.e;'.s;§'ie/{hey 5.5;/are ::irivin.g wiih {he V . i:isi.i'red's permiseien. Cami. iefare aeeempariiee by the i'?Té$E.£f€€€f or by any pereenie} in the :'r2ei.ire&'s V ' * ei2'2;9£e;;riie3i:.i Suirgjecf arhz3rzuise* to the twms; ::rom§.z'.z:'t'0ns iz'mz'£:af?i.0ns cmd excepE;ion,s; Q1" this P0iiqz;.

9. U11c:ie1f c£aL1s€: 59 on payn'1.ez3é'. 01" 2iC§.€1i{.§()I'}é11 _;m7é'133iLJ._n1. a §3()1iCj,-' c:<::v:3;'s the risk if }§)i:**ect<:s1", Méitmber E3':V;}'_§'E"4Ci"'{':~'.'j.\}""~.__%}i'...._%£}3 etmploysa 01' the irisastlreci far Lise c:sfv€1"1ic::1:3 w§.i_E.'1' 'iiaééijfjéfrilizasiega oi', the 'ins;ured to use ihcé veh1'<:."§.e for ,f3i<)51';-3.6.%s~,;.!....i'r;:- purpose. It. does 110% mean i;i";3_._t ihe7§éaff1*, wh'i'C%h .i;-3 m béw 1'egistered as prim-*a1f;.e or pzrblié' used for tra:nspo1'1,a1.ioI1 of ;}asse§;gjé~;f. {iiaése 5h'3""'S 55 that, in case of payfmeni it covers the risk;

of the I)irector;_"cJi"M::n1}:$€r of 'the insured, who use the CE¥.I§'. V'«c'§v.§)r:*;;e:st.i{: or pleasure, wiih pe1"r;1issj (3'»'1;1--VTV<3"'f the accident tht: risk of such 1)-531z'A.5«x')u.:'1'*is;; "£10: in ciispute that the policy is imdrj pelicyx 'Tkgé (SE93-L'2€9;S€C1T in UIES {:a:s~;e wag z3.€ii:.her the directiox' ' "nor 'erz5i'p1Cs}I<«;«~;~-- pr ciri.vé'f"';"'I'11e1'e is no evidencte of any perm.issio:r1 of if hag. {tome in the: f3\-"iCi€1'1Cf3.' that the". deceased was a masgn and :23 5<::<:L1p21n€.¢ 1G,__AF:§v<:%11 Ciause 60 of the Ii\/IT referg to 21 pr::rson,, who has éI}€;T§"Ii¥"£i'E.§4€{§§ 1,0 {:86 ms x:€%E:.:%£;t1<3 fer driving; in €3Ei5:'sé':'. 0f V d€éz§1<}:1§§i:'21§,i<3:2. :'*~E21€1ur;~11.§§I in {E2186 :3? :ie::1:}n5sf.:'2:ti<>:1, {he vz:~%h:c:§€ 35?; g.i*=»;=:>:{2 is {Em §§zi.€'mf2§:":§.}; buyerz". whcrs :,23€=$ 'aim vé:%1i.<::Er;é far ihé: ':'.ria§ purpoise. st~3r..:Ch pe1'sci>n's risk is c<>ver€d. it is in t:hé:~S€ :::irc:ur:1si:a.m:es, Clauses 59 zmci 60 haxse :0 be zzzlderstocxi when it a €.1'8.d<';". §3c>1§cy, p:;1.r€.i<*.u§arEy :rr:f€:r£:a:acre to the: p;1i7pi<3:»;e%';--,Vthe Scrape of the paliciy czmriot be t:r1.1arged Qniy em fi?}__f;*2-iﬁiféfjffefgihi:-i{}1':.b of doniessfjct cu" p]ea.<s1m3. Scope of t.h¢_:3_;:1;111se_s59"salad.ofl.fhAé» EEX/ET does 110%: imriude t:h~:%~ risk of the (3~;?:?L1._p2;:.r:i; é£.:f1~r:_ Era?) 7- I1. Triburgai. r::o11siderixV3.g_i"E1es€: d1.a;1S€Sv2i§3€i~. (5{§I'1Sid€3'ir§;§;§ the premium. paid by tIj;_.<-.3 £1r1s1;V;V1".aE:e'VVi:'"haS.__'rig1ﬁ't.I3;--.ibu_:,;d that the inSurer is not iiabie to 'Even an I'€C(31"iSid€i"3.{iG1'i 0{"{'r;'e find there is any ﬂlegality in. i.1f1;€: I find HO gmund ta interfere.

AC<5>OI"di:1gEy,V ﬁr'? 'a;;§§a3a1V...is éismissed. The é1I1]O£If}i. in deposit be '1?_rans;'z'1ifi:i:e_d EC: £i2.r:VTrib1;.n.z11.

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