Kunjukuttanpillai vs Muhammad Hussain on 26 October, 2009
occurring in Sec.3 and "is not duly licensed" occurring in Sec.149
(2)(a)(ii) and it was held that it is not sufficient that the insurer
proves that the driver of the offending vehicle had no "effective
license" on the date of the accident but it has to be proved that
he was either not duly licensed or was disqualified from holding a
license or, other circumstances stated in Sec.149(2)(a)(ii) of the
Act existed and further, that the mere fact of there being no
M.A.C.A.Nos.1391 of 2011, 103, 942, 943, 1041, 1534, 1536, 1541, 1655, 1722 and
1797 of 2012, 567 and 1471 of 2013
22
effective license, in the sense that the driver was not authorised
to drive a transport/goods vehicle on the date of the accident by
itself, is not sufficient unless the insurer is also able to prove that
the breach of the condition of driving license is/are so
fundamental as is/are found to have contributed to the cause of
the accident. That is what the Division Benches of this Court
have pointed out in P.T Moidu Vs. The Oriental Insurance
Company Ltd. & Ors., New India Assurance Co.Ltd. Vs.
Balakrishnan and in M.A.C.A.No.105 of 2012. In other words,
that there was no authorisation/badge to drive a transport/goods
vehicle on the date of the accident may amount to an infraction of
Sec.3 of the Act opening the person concerned to prosecution
under the relevant provisions of the Act but, in the absence of
proof that absence of authorisation/badge has contributed to the
cause of accident, the insurer is not absolved of its liability to the
third parties or, its duty to indemnify the insured.