High Court of KeralaDivision BenchAppeal allowed; enhanced compensation and depos...

Ravi s/o Padmanabhan v. G. Renjith Das, B. Suresh and United India Insurance Co. Ltd.

Case / Petition Number:MACA No.1595 of 2010

Case Details & Bench

Court
High Court of Kerala
Hon'ble Judges
  • T. R. Ramachandran Nair
  • P. V. Asha
Judgment Date
2015-02-05
Court Decision / Holding
Appeal partly allowed; revised total compensation fixed at Rs. 14,84,800. Enhanced sums awarded for loss of earnings, medical expenses, bystander expenses, pain and suffering, loss of amenities, and permanent disability (now treated as 100%). Interest on the enhanced amount at 9% per annum from the date of the petition, following Supe Dei (Smt.) & Ors. v. National Insurance Co. Ltd. and Anr. The insurer is directed to deposit the entire enhanced amount, less amounts already deposited, within three months from receipt of this judgment.
Final Disposition
Appeal allowed; enhanced compensation and deposit directions.

Parties to the Case

Appellants / Petitioners

  • Ravi, S/o Padmanabhan

Respondents

  • G. Renjith Das
  • B. Suresh
  • The United India Insurance Co. Ltd.

Legal Representation & Advocates

Counsels for Petitioners

  • • Sri. George Mathew

Counsels for Respondents

  • • Sri. T. A. Unnikrishnan
  • • Sri. K. Satheesh Kumar
  • • Sri. Rajan P. Kaliyath

Case Synopsis & Summary

Ravi, the injured claimant, challenged the Motor Accidents Claims Tribunal's award of Rs. 3,35,000 for injuries sustained in a road accident on 6 February 2002. He sustained severe head injuries including subdural hematoma, fractures, and later permanent disability; he underwent neurosurgical procedures and long hospitalization. The claim petition sought Rs. 6 lakhs, but the Tribunal awarded a much lower amount. The appellant supported enhanced compensation on the basis of extensive medical evidence (Exts. A4–A9, A12–A18) showing a severe head injury with C2–C3 subluxation, lamina fracture, subdural hematoma, cerebral edema, and subsequent cognitive impairment. Medical certificates and disability assessments indicated significant disabilities, with a Medical Board report (3 January 2014) initially classifying him with substantial impairment and later indicating severe permanent functional disability due to frontal brain damage and post-concussive syndrome. The appellant, a carpenter by occupation, earned about Rs. 5,000 per month pre‑accident; the Tribunal’s assessment of income and losses under heads such as pain and suffering, loss of amenities, bystander expenses, and medical costs was found inadequate. The High Court re-evaluated the evidence, granted substantial enhancements across heads—loss of earnings, medical expenses, bystander expenses, pain and suffering, loss of amenities, and permanent disability—resulting in a total of Rs. 14,84,800, with interest. It directed the insurer to deposit the enhanced amount within three months, citing Supe Dei (Smt.) & Ors. v. National Insurance Co. Ltd. and Anr. for the 9% interest rate from the petition date.

Submissions & Arguments

Contentions of Appellants / Petitioners

The appellant contends that the Motor Accidents Claims Tribunal undervalued the injuries and lifelong disability suffered. Evidence including Exts. A4–A9 and disability certificates show a severe head injury with subdural hematoma, cervical subluxation, brain damage, and significant cognitive impairment. A 2014 Medical Board certifies 60% disability and eventual 100% permanent functional disability, confirming total incapacity to work. The appellant had been a skilled carpenter, earning about Rs. 5,000 per month; the Tribunal’s calculation undervalued income and lost earning capacity. Medical expenses (Exts. A9, A20) and ongoing treatment were substantial, while loss of earnings, pain and suffering, loss of amenities, and bystander expenses deserved larger sums in light of substantial care needs and lifelong consequences. Citing Supe Dei (2009) 4 SCC 513, the appellant seeks upward revision of compensation with 9% interest from the petition date, reflecting the true impact of the injuries and rehabilitation costs.

Contentions of Respondents

The respondents argue that the Tribunal’s award was grounded in the evidence before it and should largely be preserved. They challenge the later 100% permanent disability as based on post hoc medical board findings and contend that the insured’s liability remains within policy limits and statutory guidelines. The evidence does not conclusively establish total permanent incapacity as of the date of the accident; the income assessment and loss under various heads must be kept within reasonable bounds. Introducing new medical certificates and higher disability percentages after years of litigation could distort the compensation. The insurer emphasizes that the award should reflect pre‑accident earnings, actual medical expenses as supported by records, and the Tribunal’s objective assessment without overcompensation. They rely on the existing record and factual matrix to argue against sweeping enhancements.

Cited Precedents (1)

Case NameCitationTreatmentExplanation
Supe Dei (Smt.) & Ors. v. National Insurance Co. Ltd. and Anr.[(2009) 4 SCC 513]PositiveThe High Court relied on this Supreme Court decision to award 9% interest on enhanced compensation from the petition date.

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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 T.R.RAMACHANDRAN NAIR & THE HONOURABLE SMT. JUSTICE P.V.ASHA** **THURSDAY, THE 5TH DAY OF FEBRUARY 2015/16TH MAGHA, 1936** **MACA.No. 1595 of 2010 ( ) --------------------------** **AGAINST THE AWARD IN OPMV 1064/2002 ON THE FILES OF THE MOTOR ACCIDENTS CLAIMS TRIBUNAL, ALAPPUZHA DATED 10-04-2008** **APPELLANT/PETITIONER.:** **-------------------------RAVI, S/O.PADMANABHAN, RAVI SADANAM, PULINCUNNU, ALAPPUZHA.** **BY ADV. SRI.GEORGE MATHEW** **RESPONDENTS/RESPONDENTS.: -------------------------1. G.RENJITH DAS, S/O.N.GURUDAS, THADATARAKUTHU PUTHENVEEDU, JAWAR COLONY, TRIVANDRUM PIN - 695 041. 2. B.SURESH, S/O. N.BHANU, VAYALIMPARAMPIL HOUSE, CHARUMOODU P.O., MAVELIKKARA PIN - 690 505. 3. THE UNITED INDIA INSURANCE CO.LTD., DIVISIONAL OFFICE, SARADA COMPLEX, MULLACKAL ALAPPUZHA, PIN - 688 001. R,R1 BY ADV. SRI.T.A.UNNIKRISHNAN R,R1 BY ADV. SRI.K.SATHEESH KUMAR R3 BY ADV. SRI.RAJAN P.KALIYATH** **THIS MOTOR ACCIDENT CLAIMS APPEAL HAVING COME UP FOR ADMISSION ON 05-02-2015, THE COURT ON THE SAME DAY DELIVERED THE FOLLOWING:** **AL/-** ## **T.R.RAMACHANDRAN NAIR & P.V.ASHA, JJ.,** **- - - - - - - - - - - - - - - - - - - - - - - - - - - -** M.A.C.A. No.1595 of 2010 **- - - - - - - - - - - - - - - - - - - - - - - - - - - - -** Dated this the 5[th] day of February 2015 ## **JUDGMENT** ## **Asha, J.,** The appellant is the injured in a motor vehicle accident which occurred on 6.2.2002 at about 2 a.m. While he was travelling in a jeep bearing Registration No. KL 4/H-7280, it overturned and he sustained very serious injuries. He was immediately taken to the Medical College Hospital, Alappuzha. Then he was referred to Medical Trust Hospital, Ernakulam and was admitted there. He underwent treatment there as inpatient from 6.2.2002 to 27.3.2002. During this period, he underwent surgeries and various courses of treatment. 2. The claim petition was filed seeking compensation to the tune of Rs. 6 lakhs. But the Tribunal awarded only a sum of Rs. 3,35,000/-. This appeal is filed seeking enhancement of compensation pointing out that quantum awarded under various heads are insufficient. M.A.C.A. No.1595 of 2010 :2: 3. We heard the learned counsel appearing for the Insurance Company also who opposed the claim for enhancement of compensation. 4. It was claimed that the appellant was working as a carpenter engaged in boat building earning a sum of Rs. 6,000/per month. Before the Tribunal oral evidence was adduced examining PW1 and PW2 and documentary evidence by Exts.A1 to A21 series. As per Ext.A4, the injury sustained by the appellant are as follows: _“Head injury with C2,C3 subluxation with C2 Lamina fractured, disoriented restlem, bleeding from mouth, surgical emphysema right side of chest, abrasion lateral to right hip, biparietal contusion, fracture right 8[th] rib, lung contusion, diffuse cerebral Oedema, subdural heamatoma, contusion in both frontoparietal and left temporal region”._ 5. In Ext.A8, treatment undergone by him has been explained. On 16.2.2002, he underwent bilateral frontal burrhole evacuation of subdural Hygoma under general anesthesia. He was put on Halter traction, this did not correct subluxation for which MRI cervical spine was taken and he was advised to undergo surgical correction. At this stage, the appellant was discharged on 27.3.2002. Ext.A9 certificate issued by the Psychologist, Medical Trust Hospital, Ernakulam shows M.A.C.A. No.1595 of 2010 :3: that the working memory of the appellant was moderately impaired, his verbal and visual learning functioning were mildly impaired and his visuao spatial planning were mildly impaired. In Ext.A9 disability certificate, it was stated that there was moderate severe impairment present in the lobe functioning of the appellant. Ext A12 to A18 certificates issued by various medical officers of various hospitals show that appellant had to continue the treatment and he was unable to attend to any work. Appellant's wife who was examined as PW1 also deposed as to his income out of the carpentry work he was doing before the accident and as to his plight consequent to the injuries including the psychiatric problems, visual impairment, etc. Appellant's employer -the Proprietor of the Boat building yard was examined as PW2 to prove his income. Appellant had produced Ext A17 certificate before the Tribunal, issued from the Medical College Hospital, Kottayam on 6.10.2007, in which his disability was certified as 20%. In that certificate it was also certified that the appellant was having delayed memory re-call, occasional poor comprehension, emotional disturbances and concentric contraction of visual field bilateral. The Tribunal fixed M.A.C.A. No.1595 of 2010 :4: his disability as 15% and assessed the compensation. The appellant had to undergo treatment regularly even during the pendency of the claim petition as well as of this appeal. 6. When the appeal came up for hearing, this Court had by order dated 15.11.2013 in I.A. 342/2013, directed that the appellant should be subjected to an examination by a Medical Board, to be constituted including a Neurologist. The Superintendent of the Medical College Hospital, Thiruvananthapuram, as per his letter NO. G2.12456/2013/MCH dated 7.1.2014, forwarded the medial certificate dated 3.1.2014 to this court. The certificate reads as follows. “ Disability Certificate No G2/12456/2013/MCH/TVM Dated 03/01/2014 Special Medical Board constituted as per the direction of Ho'ble High Court of Kerala, Ernakulam. MACA No. 1595/10 We, the members of the Medical Board. Medical College Hospital, Thiruvananthapuram have examined Sri. Ravi, aged 42 years, S/o Padmanabhan, residing at Ravisadanam, Pulinkunnam, Alappuzha (Dist) on 02/12/2013 and subsequently as inpatient from 04/12/2013 to 16/12/2013, found him as a person with disability by reason of psychiatric impairment due to: “1. F.06.32 Organic Depressive Disorder current episode severe without psychotic symptoms. M.A.C.A. No.1595 of 2010 :5: ## 2. F.07.2 Postconcussional syndrome. (Excessive sadness (depression) and cognitive impairment due to head injury leading to destruction of various areas of brain mainly both sides of front of brain and left side (temporal) which controls emotions and intellectual functions.) ## Identification Marks ## 1. Healed scar3 cm long, over right eyebrow ## 2. Black mole above iliac- crest about 10 cm from midline The following consultants in different specialities were included in the Medical Board and they have examined the patient to assess the disability and it has been found that the disability is permanent in nature. The degree of disabilities have been found as 60% (sixty percentage)“ 7. It can be seen that the appellant continued treatment even after discharge from the Medical Trust hospital on account of the injuries and degree of disability has been certified as 60%. It has been stated that due to the head injury, various areas of brain on both sides of front brain and left side which controls emotions and intellectual functions have been destructed. It is clear that the appellant who was aged 32 at the time of accident, has been totally incapacitated to undertake any work and he has incurred 100% functional disability, apart from the inconveniences and discomforts due to the disabilities M.A.C.A. No.1595 of 2010 :6: incurred. 8. The Tribunal has awarded a sum of Rs. 12,000/- towards loss of earnings reckoning his income as Rs. 2,000/- for a period of six months. Having regard to the wage structure prevailing in the State in respect of carpenters especially those engaged in boat building,which needs special skill and expertise, we fix the monthly income of the appellant at the rate of Rs. 5,000/- per month. 9. In the light of the medical certificate issued by the Medical Board on 3.1.2014, we find that appellant has incurred 100% functional disability and therefore we reckon his disability as 100%. Similarly, we also find that the amount awarded under various heads like pain and suffering, loss of amenities, bystander expenses, the cost of medicines, treatment charges,etc, awarded by the Tribunal are thoroughly inadequate. We therefore, enhance the same. 10. Towards loss of earnings, the appellant will be entitled to a sum of Rs. 30,000/- reckoning his income as Rs. 5,000/- for a period of six months. The Tribunal has already noticed the Exts.A9 & A20 series of the bills pertaining to purchase of M.A.C.A. No.1595 of 2010 :7: medicines and treatment charges of the appellant for a sum of Rs. 2,07,902/-. But the Tribunal awarded only a sum of Rs. Two lakhs, excluding the amount covered by the bills produced Ext.A20 series for a sum of Rs. 46,910/- towards charges for Ayurvedic treatment. We find that the appellant resorted to Ayurvedic treatment soon after the discharge from the hospital. We enhance the compensation towards medical expenses by a sum of Rs. 50,000/-. Towards bystander expenses, Rs. 4,500/alone has been granted. The appellant was under in-patient treatment in Medical Trust Hospital itself for a period of 50 days Reckoning Rs.150/- per day, we enhance the bystander expenses to Rs. 7500/-. 12. The Tribunal has awarded a sum of Rs. 15,000/towards pain and suffering. The appellant was aged 32 years at the time of the accident. The injury sustained by him and the disability incurred are explained in various documents. Having regard to the nature of injuries, ongoing treatment, the discomfort and inconvenience being experienced by the appellant eversince the date of accident, we find it just to award a sum of Rs. 1 lakh towards pain and suffering. Similarly, he has M.A.C.A. No.1595 of 2010 :8: permanently lost all the enjoyments in life, at the early age of 32, which cannot be recouped in terms of money. Therefore, we award an amount of Rs. 1 lakh towards loss of amenities in life. The Tribunal awarded a sum of Rs. 61,200/- towards compensation for permanent disability and loss of earning power, reckoning the disability as 15% and Rs. 2000/- was taken as his monthly income. Reckoning his disability as 100%, the monthly income as Rs.5,000/- and adopting the multiplier as 16, the appellant will be entitled to a sum of Rs. 9,60,000/towards permanent disability. Accordingly, we modify the award as follows: |**_Sl.No._**|**_Heads_**|**_Amount awarded (in Rs)_**|**_Amount modified (in_**<br>**_Rs.)_**| |---|---|---|---| |1|Compensation for loss of<br>earning|12000|30000| |2|Cost of medicine and treatment<br>charges|200000|250000| |3|Transportation charges|35000|35000| |4|Bystander expenses|4500/-|7500| |5|Extra nourishment|2000|2000| |6|Damage to clothing and articles|300|300| |7|Compensation for pain and<br>suffering|15000|100000| |8|Compensation for loss of<br>earning power|61200|960000| |9|Compensation for loss of<br>amenities|5000|100000| ||Total|335000|14,84,800| M.A.C.A. No.1595 of 2010 :9: Thus the appellant will be entitled to a total compensation of Rs. 14,84,800/-. The enhanced compensation will carry interest at the rate of 9% per annum from the date of petition, in the light of the judgment of the apex court in **Supe Dei(Smt.) & Ors. v. National Insurance Co. Ltd. and Anr.** [(2009)4 SCC 513]. The Insurance Company is directed to deposit the entire amount, less the amount already deposited, within a period of three months from the date of receipt of a copy of this judgment. Sd/- **T.R.RAMACHANDRAN NAIR (JUDGE)** AL/- True copy **Sd/P.V.ASHA (JUDGE)** P.A to Judge