High Court of KeralaSingle JudgeAppeal allowed in part; enhanced compensation a...

Ayisha, Ammad, Hameed, Salam and Ashraf v United India Insurance Co. Ltd.

Case / Petition Number:MACA.No.3153 OF 2015(D)

Case Details & Bench

Court
High Court of Kerala
Hon'ble Judges
  • C. S. Dias
Judgment Date
2021-03-05
Court Decision / Holding
Appeal allowed in part. The court enhanced compensation by Rs. 30,500, resulting in a total award of Rs. 62,799 with interest at 9% per annum on the enhanced amount from the date of petition until realization, plus proportionate costs. The third respondent insurer is to deposit the enhanced amount before the Tribunal within two months from receipt of a certified copy of the judgment, and disbursement to appellants shall be in accordance with law.
Final Disposition
Appeal allowed in part; enhanced compensation and deposit terms; 9% interest on enhanced amount; funds to be disbursed as per law.

Parties to the Case

Appellants / Petitioners

  • AYISHA, AGED 65 YEARS W/O.ABDULLA, 466, PUTHANPURAYIL, MARUTHONKARA, VATAKARA, KOZHIKODE
  • AMMAD, AGED 48 YEARS S/O.ABDULLA, 277 A, AKKANTE PARAMBATH, CHANGAROTH, KOYILANDI, KOZHIKODE
  • HAMEED, AGED 45 YEARS S/O.ABDULLA, 466(2) 176, PUTHANPURAYIL MARUTHONKARA, ADUKKATH, VATAKARA, KOZHIKODE
  • SALAM, AGED 43 YEARS S/O.ABDULLA, 466(157) PUTHANPURAYIL, MARUTHONKARA, VATAKARA, KOZHIKODE
  • ASHRAF, AGED 40 YEARS S/O.ABDULLA, 466, PUTHANPURAYIL, MARUTHONKARA, VATAKARA, KOZHIKODE

Respondents

  • UNITED INDIA INSURANCE CO. LTD. WHITE LINES, KALLAI ROAD, KOZHIKODE 673001

Legal Representation & Advocates

Counsels for Petitioners

  • • Adv. Sri.AVM.SALAHUDIN

Counsels for Respondents

  • • Adv. Sri.N.S.MOHAMMED USMAN

Case Synopsis & Summary

This is a Motor Accident Claims Appeal from OP (MV) No.1678/2013 in the Principal Motor Accidents Claims Tribunal, Kozhikode. Abdulla, the deceased, sustained injuries when a jeep (KL-11-C-2179) allegedly driven rashly by the second respondent struck him on 15 December 2007 while he was walking near the KSEB office in Maruthonkara. He died on 10 February 2008, after being treated at Medical College Hospital, Kozhikode. The petitioners, as legal heirs, claimed compensation under Section 166 of the Motor Vehicles Act, arguing the death resulted from the accident and seeking damages for loss of dependency, medical expenses, pain and suffering, and other heads. The Tribunal ultimately awarded Rs. 32,299 as compensation and held that there was insufficient proof that the death was caused by the accident, with the third respondent (insurer) not liable for death compensation. In appeal, the High Court reexamined evidence, rejected the death causation finding, and, applying notional income principles from Supreme Court decisions (Ramachandrappa and Syed Sadiq), revalued several heads of damage. The court fixed the notional income at Rs. 5,000/month, recalculated losses (notably increasing pain and suffering), and increased total compensation to Rs. 62,799, with interest at 9% p.a. on the enhanced amount. The insurer is directed to deposit the enhanced amount within two months and to disburse the funds in accordance with law.

Provisions of Law Cited

Section 166, Motor Vehicles Act, 1988Sections 279 and 337, Indian Penal Code

Legal Doctrines & Maxims

  • Notional income doctrine in MACT claims (Ramachandrappa v. Manager, Royal Sundaram Alliance Insurance Co. Ltd., (2011) 13 SCC 236)
  • Notional income guidance from Syed Sadiq v. Divisional Manager, United India Insurance Co. Ltd., (2014) 2 SCC 735)

Submissions & Arguments

Contentions of Appellants / Petitioners

The appellants contend that Abdulla died due to injuries sustained in the accident on 15.12.2007. Exts A1 (F.I. statement), A2 (wound certificate) and A3 (death certificate) establish a causal link between the accident and death, and the Tribunal erred in denying death compensation. They rely on established Supreme Court guidance on notional income and loss of earnings, urging enhancement of damages under several heads, including pain and suffering. They argue that death occurred within two months of discharge but after serious injuries; the insurer is liable under the policy. They seek re-evaluation of compensation with appropriate heads and interest.

Contentions of Respondents

The insurer contends that Abdulla died due to natural causes; no postmortem was conducted, and there is no material proving death due to the accident. The delay between discharge and death, lack of postmortem, and absence of post-accident investigation undermine the link between death and accident. The Tribunal’s finding on causation should not be disturbed; liability is limited to the injuries compensable under the acts and evidence on record. The insurer disputes the quantum of compensation and submits that the evidence does not justify additional sums beyond the Tribunal’s award.

Cited Precedents (2)

Case NameCitationTreatmentExplanation
Ramachandrappa v. Manager, Royal Sundaram Alliance Insurance Co. Ltd.(2011) 13 SCC 236PositiveCourt applied the notional income framework from Ramachandrappa to fix the decedent’s notional monthly income at Rs. 5,000.
Syed Sadiq v. Divisional Manager, United India Insurance Co. Ltd.(2014) 2 SCC 735PositiveCourt followed Syed Sadiq for notional income guidelines in calculating compensation.

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Extracted Judgment Text

Exact text extracted from official judgment records.

1 MACA.No.3153 OF 2015 ## **IN THE HIGH COURT OF KERALA AT ERNAKULAM** ## **PRESENT** ## **THE HONOURABLE MR.JUSTICE C.S.DIAS** **FRIDAY, THE 05TH DAY OF MARCH 2021 / 14TH PHALGUNA, 1942** ## **MACA.No.3153 OF 2015(D)** **AGAINST THE AWARD IN OPMV 1678/2013 DATED 04-03-2015 OF THE PRINCIPAL MOTOR ACCIDENT CLAIMS TRIBUNAL ,KOZHIKODE** ## **APPELLANT/S:** - **1 AYISHA, AGED 65 YEARS W/O.ABDULLA, 466, PUTHANPURAYIL, MARUTHONKARA, VATAKARA, KOZHIKODE** - **2 AMMAD, AGED 48 YEARS S/O.ABDULLA, 277 A, AKKANTE PARAMBATH, CHANGAROTH, KOYILANDI, KOZHIKODE** - **3 HAMEED, AGED 45 YEARS S/O.ABDULLA, 466(2) 176, PUTHANPURAYIL MARUTHONKARA, ADUKKATH, VATAKARA, KOZHIKODE** - **4 SALAM, AGED 43 YEARS S/O.ABDULLA, 466(157) PUTHANPURAYIL, MARUTHONKARA, VATAKARA, KOZHIKODE** - **5 ASHRAF, AGED 40 YEARS S/O.ABDULLA, 466, PUTHANPURAYIL, MARUTHONKARA, VATAKARA, KOZHIKODE** **BY ADV. SRI.AVM.SALAHUDIN** ## **RESPONDENT/S:** **UNITED INDIA INSURANCE CO. LTD. WHITE LINES, KALLAI ROAD, KOZHIKODE 673001** **R1 BY ADV. SRI.N.S.MOHAMMED USMAN** ## **OTHER PRESENT:** ## **JOHN JOSEPH VETTIKAD SC** **THIS MOTOR ACCIDENT CLAIMS APPEAL HAVING BEEN FINALLY HEARD ON 5.3.2021, THE COURT ON 05-03-2021 DELIVERED THE FOLLOWING:** 2 MACA.No.3153 OF 2015 ## **C.S.DIAS, J. ====================== MACA No.3153 of 2015 ====================== Dated this the 5[th] day of March, 2021** ## **JUDGMENT** The petitioners in OP (MV) No.1678/2013 on the file of the Principal Motor Accidents Claims Tribunal, Kozhikode are the appellants. The third respondent in the claim petition is the respondent in this appeal. The parties are, for the sake of convenience, referred to as per their status before the Tribunal. 2. The petitioners had filed the claim petition under Sec.166 of the Motor Vehicles Act, 1988, claiming compensation on account of the death of Abdulla, who died in a motor accident on 15.12.2007. 3. The concise case of the petitioners in the claim petition, for the determination of the appeal, is that: On 15.12.2007 while Abdulla (deceased) was walking along the 3 MACA.No.3153 OF 2015 public road near KSEB office at Maruthonkara, a jeep bearing registration No.KL-11-C-2179 (offending vehicle) driven by the second respondent in a rash and negligent manner hit the deceased. The deceased was taken to the Medical College Hospital, Kozhikode where he was treated as an inpatient till 31.12.2007. Even though the deceased was discharged on 31.12.2007, he later succumbed to the injuries on 10.2.2008. The accident occurred due to the negligence of the second respondent. The offending vehicle was owned by the first respondent and insured with the third respondent. Therefore, the respondents are jointly and severally liable to pay compensation to the petitioners. 4. During the pendency of the proceedings, the first respondent - owner of the offending vehicle - died. His legal representatives were impleaded as supplemental respondents 4 to 9. 5. Although the respondents 2 to 9 entered appearance before the Tribunal, only the third respondent filed a written statement. The third respondent admitted the insurance policy but denied its liability. It was the case 4 MACA.No.3153 OF 2015 of the third respondent that the deceased died due to a natural cause. There is no material to prove that the deceased died due to the accident. No postmortem was conducted and the police have not investigated the death of the deceased. Therefore, the petitioners are not entitled for any amount as compensation from the third respondent. 6. The petitioners produced and marked Exts A1 to A6 in evidence. Neither the petitioners nor the respondents let in any oral evidence. 7. The Tribunal, after considering the pleadings and materials on record, allowed the claim petition, in part, by directing the third respondent to pay an amount of Rs.32,299/- to the petitioners as compensation. 8. Dissatisfied with the quantum of compensation awarded by the Tribunal, the petitioners are in the appeal. 9. Heard the learned counsel appearing for the appellants/petitioners and the learned counsel appearing for the respondent/third respondent – the Insurance Company. 10. The questions that emanate for consideration in this appeal are: 5 MACA.No.3153 OF 2015 (i) whether the Tribunal has committed any error in not granting any compensation on account of the death of the deceased, (ii) whether the compensation awarded by the Tribunal for the injuries sustained by the deceased is just and reasonable. ## **Question No.(i)** 11. The petitioners had contended in the claim petition that the deceased had died on account of the injuries that he sustained in the accident. Only Ext A1 FI statement dated 15.12.2007 was produced to prove the accident. Ext A3 death certificate establishes that the deceased expired on 10.2.2008. Ext A2 wound certificate establishes that the deceased had sustained injuries in the accident. On a reading of Ext A1, it can be gathered that Kuttiyadi Police station had registered crime No.393/2007 against the second respondent for offences punishable under Secs 279 and 337 of the Indian Penal Code. Admittedly, the petitioners had not intimated the police regarding the death of the deceased or conducted the postmortem of the 6 MACA.No.3153 OF 2015 deceased. The deceased passed away on 5.2.2008, nearly two months after the accident, that too after he has discharged from hospital on 31.12.2007. The petitioners also did not let in any oral evidence to assert their contention in the claim petition, that the deceased allegedly died due to the accident. It is after considering all the above relevant materials, that the Tribunal came to a conclusion that the petitioners have not proved that the deceased died on account of the accident. On a reappreciation of the pleadings and materials on record, I do not find any error or illegality in the findings arrived at by the Tribunal. Therefore, question No.(i) is answered against the petitioners. ## **Question No.(ii)** 12. Now coming to the question, whether the compensation awarded by the Tribunal for the injuries sustained by the deceased is reasonable or not. 13. The petitioners had pleaded that the deceased was a coolie worker and he was 48 years at the time of accident. The Tribunal fixed the notional income of the deceased at 7 MACA.No.3153 OF 2015 Rs.1,500/- per month. 14. Going by the well settled principles on notional income laid down by the Hon'ble Supreme Court in **Ramachandrappa v. Manager, Royal Sundaram Alliance Insurance Company Limited [(2011) 13 SCC 236]** and **Syed Sadiq v. Divisional Manager, United India Insurance Co.** **Ltd. [(2014) 2 SCC 735],** the Hon'ble Supreme Court has fixed the notional income of a coolie worker at Rs.4,500/per month, in the year 2004 and that of a vegetable vendor at Rs.6,500/- per month, in the year 2006, respectively. ## **Notional Income** 15. Following the parameters in the above decisions, I am of the considered opinion that the deceased's notional income can safely be fixed at Rs.5,000/- per month as the accident occurred in the year 2007, instead of Rs.1,500/per month as fixed by the Tribunal. ## **Loss of earnings** 16. In light of the refixation of the notional income of the deceased and that he was sick for a period of two months, I refix the loss of earnings of the deceased at 8 MACA.No.3153 OF 2015 Rs.10,000/- instead of Rs.4,500/- fixed by the Tribunal. ## **Pain and sufferings** 17. It is seen that the deceased had suffered serious injuries and had undergone craniotomy and evacuation as seen from Ext A5. In the said circumstances, the petitioner is entitled for an amount of Rs.40,000/- towards pain and sufferings as claimed in the claim petition, instead of Rs.15,000/- awarded by the Tribunal. Accordingly, I enhance the compensation under the said head by a further amount of Rs.25,000/-. ## **Other heads of claim** 18. With respect to other heads of claim, namely, transport to hospital, damage to clothing, extra nourishment, bystander expenses, medical expenses and loss of amenities, I find that the Tribunal has awarded reasonable and just compensation to the petitioners. Accordingly, question No.(ii) is answered in favour of the petitioners. 19. On an overall reappreciation of the pleadings, materials on record and the law laid down by the Hon'ble 9 MACA.No.3153 OF 2015 Supreme Court in the aforecited decisions, I am of the considered opinion that the petitioners are entitled for enhancement of compensation as modified and recalculated above and given in the table below for easy reference. |SI<br>No|Head of claim|Amount claimed<br>(in rupees)|Amount<br>awarded by the<br>Tribunal(in<br>rupees)|Amounts<br>modified and re<br>calculated by<br>this Court<br>(in rupees)| |---|---|---|---|---| |1|Loss of earnings|Nil|4,500/-|10,000/-| |2|Transport to hospital|8,000/-|500/-|500/-| |3|Damage to clothing|1,000/-|300/-|300/-| |4|Extra nourishment|9,000/-|500/-|500/-| |5|Bystander expenses|8,000/-|1,700/-|1,700/-| |6|Treatment expenses|10,000/-|4,799/-|4,799/-| |7|Pain and sufferings|40,,000/-|15,000/-|40,000/-| |8|Loss of amenities|Nil|5,000/-|5,000/-| ||Total claim||32,299/-|62,799/-| In the result, the appeal is allowed, in part, by enhancing the compensation by a further amount of Rs.30,500/- (Rupees Thirty Thousand Five Hundred only) with interest @ of 9% p.a on the enhanced compensation from the date of petition till the date of realisation with proportionate costs. The third respondent shall deposit the additional compensation, awarded in this appeal, before 10 MACA.No.3153 OF 2015 the Tribunal with interest and proportionate costs, within a period of two months from the date of receipt of a certified copy of the judgment. The disbursement of compensation to the appellants/petitioners shall be done, in accordance with law. **Sd/C.S.DIAS JUDGE** **SKS/5.3.2021**