A perusal of the decision of the Hon'ble Apex Court in B.V.
Nagaraju (supra) would show that at the time the vehicle met with an accident,
it was carrying not only 9 persons including the driver of the vehicle but also
the goods belonging to the persons who were travelling in the vehicle. The fact
that the vehicle was carrying only the goods and the owners of those goods
clearly shows that primarily it was being used as a goods carrying vehicle and
not as a passenger vehicle. The learned counsel for the petitioner draws my
attention to para 7 of the decision whether the Hon'ble Apex Court interalia
observed that the workmen who were travelling in the vehicle are assumed not
to have increased any risk from the point of view of the insurance company on
occurring of an accident and therefore, they could not have contributed to the
causing of the accident. It was also noticed by the Hon'ble Apex Court that it
was not the case of anybody that the driver was responsible for the accident.
"8. After having gone through the award of the Claims Tribunal and the
judgment and order National Insurance Co. Ltd. V. Savitri Devi, FAO No.143
of 2000, decided on 28-7-2005 (HP), passed by the learned Single Judge of the
High Court, we are not able to understand as to how it has been found that
the appellant Insurance Company can still be held liable to pay the amount of
compensation as there has been a categorical finding by both the courts
recording that the vehicle in question was insured only as "goods carrying
vehicle". The custom of carrying barat in the village on the said truck will not
be sufficient to hold the appellant Insurance Company liable to pay the
amount of compensation. Admittedly, the appellant Insurance Company
would not know unless the accident takes place as to for what purpose the
vehicle in question was being used. The terms and conditions of the insurance
policy are very clear and categorical and it creates a specific bar on carrying of
any passengers, except the employees other than the driver, not exceeding six
// 14 //
(6) in number, who should also come under the purview of the Workmen's
Compensation Act.
In the case of S.G. Shivamurtheppa vs Reliance General Insurance
Company Limited I (2012) CPJ 175 (NC), Hon'ble National Commission has
observed that "Motor vehicle was registered for carriage of passengers not
exceeding to 12 - At time of accident, vehicle was instead carrying 16 persons