The Icici Lombard General vs )Annakkili on 6 February, 2012
129. When the insurance company can be said to have discharged its initial burden of proving that the driver of the vehicle had no licence, has been considered by the Division Bench of this Court in G.Nagendra Devi and others Vs. Mosses 2)National Insurance Company Limited, T.Nagar, Chennai, 3)Dr.Ambedkar Transport Corporation Ltd., represented by its Managing Director, Chennai, reported in 2001 (3) L.W 261, wherein, this Court held that if the insurance company fails to verify the records from the concerned authority (R.T.A), as to whether the rider of the motor cycle was having a valid licence or not, then the insurance company cannot be said to have discharged its burden and proved that the rider of the vehicle did not possess a valid licence and in such circumstances, the Company is liable to pay compensation. Mere pleadings in the counter affidavit or written statement by the insurers before the Claims Tribunal, that the insured has committed breach of policy conditions or statutory provisions of the Motor Vehicles Act, alone is not sufficient to prove that they have discharged their burden of proof of non-possession of licence or breach/breaches, so fundamental to have contributed to the cause of the accident, so as to avoid its liability to the insured. Thus, it could be seen from the line of judgments stated supra, that despite pleadings and leading oral evidence by the Insurance Companies, the Supreme Court and High Courts have recognised only an authentic evidence from the office of the concerned Regional Transport Office, to speak about the fact, as to whether the driver did possess licence or not, at the time of accident. The proof required and given credence by Courts is in the form of record and not mere oral evidence.