High Court of KeralaSingle JudgeAppeal allowed; enhanced compensation and liabi...

MACA No. 514 of 2010 (Appellants) vs OP(MV) 1281/2000 (Respondents), Irinjalakuda

Case / Petition Number:MACA 514/2010

Case Details & Bench

Court
High Court of Kerala
Hon'ble Judges
  • Ziyad Rahman A.A.
Judgment Date
2023-11-30
Court Decision / Holding
The appeal is allowed. The award dated 18.09.2009 in OP(MV) 1281/2000 is modified by increasing compensation: reassessed dependency calculation yields Rs.6,04,800, with additional amounts for funeral (Rs.12,000), loss of estate (Rs.15,000), and enhanced loss of consortium (Rs.1,40,000), leading to a total enhanced compensation of Rs.6,27,000. The 6th respondent insurer is directed to deposit this amount with interest at the rate ordered by the Tribunal from the petition date to 20.06.2006 and from 04.08.2009 to realization, with proportionate costs, within three months of receipt of a copy of this judgment.
Final Disposition
Appeal allowed; enhanced compensation and liability directed to insurer; deposit with interest within three months.

Parties to the Case

Appellants / Petitioners

  • SHYLAJA P., KAMALADHARAN, POOKODE, ALAGAPPANAGAR.P.O, THRISSUR
  • SHYAMLAL S/O. PUTHENVEETIL SHYLAJA (AGED 7), KAMALADHARAN, POOKODE, ALAGAPPANAGAR.P.O, THRISSUR — rep. by mother SHYLAJA
  • SALIMA D/O. PUTHENVEETIL SHYLAJA (AGED 6), POOKODE, ALAGAPPANAGAR.P.O, THRISSUR — rep. by mother SHYLAJA
  • NANIKUTTIAMMA (DIED) W/O. LATE PUTHENVETTIL RAMAN NAIR, POOKODE, ALAGAPPANAGAR.P.O, THRISSUR
  • ADDL.5 P. BALACHANDRAN, S/O RAMAN NAIR, AGED 70 YEARS
  • ADDL.6 P. N. RADHAKRISHNAN MENON, S/O RAMAN NAIR, AGED 69 YEARS
  • ADDL.7 SUMATHI P. N., D/O RAMAN NAIR, AGED 68 YEARS

Respondents

  • MANOJ GEORGE, S/O. THATTIL UMBAVU GEORGE, VARANDARAPPILLY, THRISSUR
  • AJITH GEORGE, S/O. THATTIL UMBAVU GEORGE, VARANDARAPPILLY, THRISSUR
  • THE BRANCH MANAGER UNITED INDIA INSURANCE CO. LTD., IRINJALAKUDA BRANCH
  • KESAVAN NAIR (DIED) S/O. PALLIPURATH GOVINDAN NAIR, POOKODE,VATTANATHARA, ALAGAPPANAGAR, THRISSUR
  • K.V. GANGADHARAN, KALIYAN HOUSE VATTANATHARA, ALAGAPPANGARA, THRISSUR
  • THE BRANCH MANAGER NATIONAL INSURANCE CO. LTD., THRISSUR BRANCH

Legal Representation & Advocates

Counsels for Petitioners

  • • SRI.N.P.SAMUEL
  • • SRI.K.P.SURESH KUMAR

Counsels for Respondents

  • • P.MURALEEDHARAN
  • • SMT. K.S. SANTHI

Case Synopsis & Summary

This is a Motor Accident Claims Appeal arising from the death of Kamaladharan, who was a pillion rider in a bike accident on 24.11.1999. The appellants (widow, minor children, and legal representatives of the deceased) challenged an award of Rs. 2,76,500 plus costs passed by the Motor Accident Claims Tribunal, Irinjalakuda, in OP(MV) 1281/2000, contending that compensation was inadequately calculated under several heads and that negligence was attributed to the rider of the other motorcycle. The Tribunal held the 6th respondent insurer liable and assessed the deceased’s monthly income at Rs. 1,800 with no future prospects. The appellants argued for higher income (claimed Rs. 4,500), 40% future prospects, and a 1/4 deduction for personal expenses for four dependents. They sought higher awards under heads such as funeral expenses, loss of estate, and loss of consortium; and contended that decisions like Pranay Sethi, Magma, and Satinder Kaur support enhanced compensation. The High Court found merit in increasing the monthly income to Rs. 3,000, applying 40% future prospects, and revising deductions, while also increasing several heads of damage. It upheld the insurers’ responsibility and, citing Pranay Sethi and subsequent judgments, granted a further Rs. 6,27,000 as enhanced compensation, directing deposit within three months with accrued interest. The judgment reflects a careful, principle-based recalibration of dependency loss and ancillary heads.

Legal Doctrines & Maxims

  • Future prospects in dependency calculations (40%)
  • Deduction for personal expenses (1/4) for four dependents
  • Loss of consortium as a head of compensation ( Rs.40,000 to wife, two children, and mother)
  • No separate 'loss of love and affection' when loss of consortium is awarded
  • Pranay Sethi standard for funeral expenses (Rs.15,000)
  • Magma General Insurance Co. Ltd. v. Nanu Ram – principle supporting loss of consortium
  • Satinder Kaur – guidance on loss of love/affection vs. consortium

Submissions & Arguments

Contentions of Appellants / Petitioners

The appellants contend that the Tribunal erred in calculating compensation, notably by applying an income of Rs.1,800 instead of the claimed Rs.4,500 and by omitting 40% future prospects. They urge recalculation of dependency loss with Rs.3,000 monthly income (1999 standards), 40% future prospects, and 1/4 deduction for four dependents. They demand higher awards under funeral expenses (Rs.15,000), loss of estate, and loss of consortium (Rs.40,000 to each family member), and argue against separate awards for love/affection when loss of consortium is granted, aligned with Pranay Sethi, Magma, and Satinder Kaur.

Contentions of Respondents

The respondents Insurance companies concede coverage but contest the quantum and negligence, maintaining the Tribunal’s award as an appropriate baseline. They emphasize that compensation should reflect evidence and statutory limits; they resist large upward revisions and argue that the trial court’s findings on negligence and the quantum require careful scrutiny in light of the insurer’s liability and the circumstances of the accident.

Cited Precedents (3)

Case NameCitationTreatmentExplanation
National Insurance Company Ltd. v. Pranay Sethi2017(4) KLT 662PositiveCited to justify higher funeral expenses (Rs.15,000) and other heads as per Pranay Sethi standard.
Magma General Insurance Co. Ltd. v. Nanu Ram @ Chuhru Ram(2018) 18 SCC 130PositiveCited to support loss of consortium awards to wife, children, and mother.
United India Insurance Co. Ltd. v. Satinder Kaur @ Satwinder Kaur(2021) 11 SCC 780PositiveCited to align on loss of love and affection versus loss of consortium and to justify Rs.40,000 per person for consortium.

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Extracted Judgment Text

Exact text extracted from official judgment records.

## **`IN THE HIGH COURT OF KERALA AT ERNAKULAM`** ## **`PRESENT`** ``` THE HONOURABLE MR.JUSTICE ZIYAD RAHMAN A.A. THURSDAY,THE 30[TH] DAY OF NOVEMBER 2023/9TH AGRAHAYANA, 1945 ``` ## **`MACA NO. 514 OF 2010`** ## **`OPMV 1281/2000 OF MOTOR ACCIDENT CLAIMS TRIBUNAL,`** ## **`IRINJALAKUDA`** ## **`APPELLANTS/PETITIONERS:`** - `1 SHYLAJA P., KAMALADHARAN, POOKODE, ALAGAPPANAGAR.P.O,, THRISSUR.` - `2 SHYAMLAL S/O. PUTHENVEETIL SHYLAJA AGED 7, KAMALADHARAN, POOKODE,, ALAGAPPANAGAR.P.O, THRISSUR., REP. BY NEXT FRIEND MOTHER SHYLAJA` - `3 SALIMA D/O. PUTHENVEETIL SHYLAJA AGED 6, POOKODE,, ALAGAPPANAGAR.P.O, THRISSUR., REP. BY NEXT FRIEND MOTHER SHYLAJA` - `4 NANIKUTTIAMMA (DIED) W/O. LATE PUTHENVETTIL RAMAN NAIR,, POOKODE,, ALAGAPPANAGAR.P.O, THRISSUR.` - `ADDITIONAL APPELLANTS 5 TO 7 ARE IMPLEADED.` - `ADDL.5 P. BALACHANDRAN, S/O RAMAN NAIR, AGED 70 YEARS, PUTHENVEETTIL HOUSE, VATTANATHARA P. O., AMBALLUR, THRISSUR DISTRICT - 680302.` - `ADDL.6 P. N. RADHAKRISHNAN MENON, S/O RAMAN NAIR, AGED 69 YEARS, PUTHENVEETTIL HOUSE, PIDIKKAPARAMBU, MUPILYAM P. O., THRISSUR DISTRICT - 680312.` - `ADDL.7 SUMATHI P. N., D/O RAMAN NAIR, AGED 68 YEARS, PALAKKATH HOUSE, ACHUTHAN NAIR MOOLA, MADAYIKONAM P. O., THRISSUR DISTRICT - 680 712.` ``` (ADDITIONAL APPELLANTS 5 TO 7 ARE IMPLEADED AS THE LEGAL REPRESENTATIVES OF THE DECEASED 4TH APPELLANT, AS PER ORDER DATED 12.07.2023 IN IA NO. 1/2023 IN MACA 514/2010 ). ``` ``` BY ADVS. SRI.N.P.SAMUEL SRI.K.P.SURESH KUMAR ``` M.A.C.A. No.514/2010 : 2 : ## **`RESPONDENTS/RESPONDENTS:`** - `1 MANOJ GEORGE, S/O. THATTIL UMBAVU GEORGE, VARANDARAPPILLY, THRISSUR.` - `2 AJITH GEORGE, S/O. THATTIL UMBAVU GEORGE,, VARANDARAPPILLY, THRISSUR.` - `3 THE BRANCH MANAGER UNITED INDIA INSURANCE CO. LTD., IRINJALAKUDA BRANCH.` - `4 KESAVAN NAIR (DIED) S/O. PALLIPURATH GOVINDAN NAIR, POOKODE,VATTANATHARA, ALAGAPPANAGAR, THRISSUR.` ``` THE STATUS OF THE FOURTH RESPONDENT IS UPDATED AS "DIED" AS PER ORDER DATED 04.12.2019 IN MACA-514/2010. ``` - `5 K.V. GANGADHARAN, KALIYAN HOUSE VATTANATHARA, ALAGAPPANGARA, THRISSUR.` - `6 THE BRANCH MANAGER NATIONAL INSURANCE CO. LTD.,, THRISSUR BRANCH. BY ADV P.MURALEEDHARAN-R3` ``` SMT. K.S. SANTHI-R6 ``` ## **`THIS MOTOR ACCIDENT CLAIMS APPEAL HAVING COME UP`** ``` FOR ADMISSION ON 30.11.2023, THE COURT ON THE SAME DAY DELIVERED THE FOLLOWING: ``` M.A.C.A. No.514/2010 : 3 : ## JUDGMENT The claim petition was submitted by the appellants herein seeking compensation for the death of one Kamaladharan, who died due to the injuries sustained in a motor accident that occurred on 24.11.1999. The accident occurred when the deceased was travelling as a pillion rider on a motorcycle bearing registration No.KL-8D-4924, it collided with another motorcycle bearing registration No.KL-8F-4364. The motorcycle on which the deceased was travelling was owned by the 1[st] respondent, ridden by the 2[nd] respondent, and insured by the 3[rd] respondent. The motorcycle bearing registration No.KL-8F-4364, was owned by the 4[th] respondent, ridden by the 5[th] respondent, and was insured with the 6[th] respondent. 2. According to the appellant, the deceased was working as a mason aged 30 years and the monthly income claimed was Rs.4,500/-. The claim petition was submitted in such circumstances. 3. The insurance companies contested the claim petitions even though they admitted the insurance coverage over M.A.C.A. No.514/2010 : 4 : the respective vehicles. They also disputed the quantum of compensation as well as negligence. The said claim petition was tried along with OP(MV) No.190/2000, which arose from the very same accident. 3. The evidence in this case consists of Exts.A1 to A11 from the side of the claimants and Exts.B1 and B2 were marked from the side of the respondents. 4. After the trial, the tribunal came to the conclusion that the accident occurred due to the negligence on the part of the rider of motorcycle bearing reg No KL-8F-4364 and being the insurer, the 6[th] respondent herein was held liable to pay the compensation. The quantum of compensation was fixed as Rs.2,76,500/- and the said amount was directed to be deposited by the 6[th] respondent, with interest at the rate of 7% per annum from the date of petition till 20.06.2006 and thereafter from 04.08.2009 till realisation and also with proportionate costs. This appeal is submitted in such circumstances seeking enhancement of compensation by the appellants. 5. Heard Sri. K.P. Suresh Kumar, the learned counsel appearing for the appellants, Sri .P. Muralidharan, the learned M.A.C.A. No.514/2010 : 5 : counsel appearing for the 3rd respondent insurance company and Smt. K.S. Santhi, the learned counsel, appearing for the 6[th] respondent insurance company. 6. The only dispute relates to the quantum of compensation. The main contention raised by the learned counsel for the appellant is that, the compensation awarded by the tribunal under the head of loss of dependency was grossly inadequate. On perusal of the records, I find some force in the said contentions. It is seen that, even though a monthly income of Rs.4,500/- was claimed, the tribunal took the same as Rs.1,800/-, which appears to be on the lower side. Moreover, no addition towards future prospects was also made. As far as the monthly income is concerned, as the accident occurred in the year 1999, I deem it appropriate to fix it as Rs.3,000/- which would be in tune with the standards prevailing at the relevant time. Since it has come out in evidence that he was a person aged about 35, an addition of 40% of the monthly income was made towards future prospects. With regard to the deduction made towards personal expenses, the same has to be ¼, since he left behind four dependents, i.e., his wife, two children and his M.A.C.A. No.514/2010 : 6 : mother. 7. While reassessing the compensation with the aboverevised criteria, the amount would come to Rs.6,04,800/- [(3000 +40%) x 12 x 16 x3/4]. The amount already awarded by the tribunal is Rs.1,44,800/-; thus, the additional amount would come to Rs.4,60,000/-. When moving on to the other heads, it can be seen that the tribunal awarded only Rs.3,000/- towards funeral expenses, whereas the actual amount receivable under this head would come to Rs.15,000/- as per National Insurance Company Ltd. v. Pranay Sethi 2017(4) KLT 662. Therefore, a further sum of Rs.12,000/- is awarded under the said head. Similarly, no amount is seen granted towards loss of estate and therefore, Rs.15,000/is awarded. The other head is the loss of consortium. The tribunal awarded Rs.10,000/- towards the loss of consortium and a further sum of Rs.10,000/- under the head of love and affection. As per the observations made in Magma General Insurance Co. Ltd. v. Nanu Ram @ Chuhru Ram [(2018) 18 SCC 130] and United India Insurance Company Ltd. v. Satinder Kaur @ Satwinder Kaur [(2021) 11 SCC 780] , the petitioners, who were wife, two children and the mother of the deceased, are entitled to M.A.C.A. No.514/2010 : 7 : compensation for loss of consortium, at the rate of Rs.40,000/each. As regards the amount of Rs.10,000/- awarded by the tribunal towards loss of love and affection, it is to be noted that, in the light of the observations in Satinder Kaur, the same cannot be granted, as it was held in the said decision that when compensation for loss of consortium is awarded, no separate amount needs to be granted for loss of love and affection. Therefore, the said amount can be adjusted towards the amount awarded by this Court towards the loss of consortium. Thus, the additional amount under the head of loss of consortium is determined as Rs.1,40,000. Thus, the total additional compensation receivable by the appellant as compensation would come to Rs.6,27,000/-(460000 + 12000 + 15000 + 140000) In the light of the aforesaid observations and findings, this appeal is allowed. The award dated 18.09.2009 passed by the Motor Accident Claims Tribunal, Irinjalakuda in OP(MV) No.1281/2000 is hereby modified by granting an additional amount of Rs.6,27,000/- (Rupees six lakhs twenty-seven thousand only) and the 6[th] respondent insurance company is directed to deposit the same amount along with interest at the M.A.C.A. No.514/2010 : 8 : rate as ordered by the tribunal from the date of petition till 20.06.2006 and thereafter from 04.08.2009 till realization (interest calculation as per the award) with proportionate costs. The said amount shall be deposited within a period of three months from the date of receipt of a copy of this judgment. Sd/ZIYAD RAHMAN A.A. JUDGE ncd/