High Court of KeralaSingle JudgeAppeal allowed; award modified with enhanced co...

Santosh v. M.L. Paul and Nagaraj M and National Insurance Co. Ltd.

Case / Petition Number:MACA NO.1403 OF 2013

Case Details & Bench

Court
High Court of Kerala
Hon'ble Judges
  • Ziyad Rahman A.A.
Judgment Date
2024-02-05
Court Decision / Holding
Appeal allowed. The Motor Accident Claims Tribunal’s award is modified by increasing compensation substantially: reassessed monthly income to Rs.4,500; disability to 15%; recalculated disability-related compensation to Rs.1,37,700; added Rs.18,000 for loss of earnings, Rs.20,000 for pain and suffering, Rs.18,000 for loss of amenities, and Rs.5,000 for discomfort, totaling an additional Rs.1,41,740. The insurer (3rd respondent) must deposit the enhanced amount with interest at the Tribunal’s rate and proportionate costs within three months, after which the claimant must furnish PAN, Aadhar, and bank details for deposit; failure to furnish may allow deposit before the Tribunal.
Final Disposition
Appeal allowed; award modified with enhanced compensation and deposit directions.

Parties to the Case

Appellants / Petitioners

  • Santosh

Respondents

  • M.L. Paul
  • Nagaraj M
  • National Insurance Co. Ltd.

Legal Representation & Advocates

Counsels for Petitioners

  • • Sri. P.V. Chandramohan

Counsels for Respondents

  • • Sri P.M.M. Najeeb Khan - R3

Case Synopsis & Summary

This Kerala High Court Motor Accident Claims Appeal arises from an award of the Motor Accident Claims Tribunal, Thrissur, in O.P.(MV) No.2150/2005, concerning injuries sustained by Santosh, a bus cleaner, in a Jan 21, 2005 motor accident with a tempo van owned by M.L. Paul and insured by National Insurance Co. The insurer resisted, arguing contributory negligence by the claimant and challenging the quantum; it admitted policy coverage for the tempo van, while contending the tempo driver lacked a license for the involved vehicle. The Tribunal held the 2nd respondent primarily negligent and the insurer liable, awarding Rs.2,24,200 with 8% interest and costs. On appeal, the High Court found merit in the appellant’s contentions: (i) the monthly income for calculating compensation should reflect Rs.4,500 (per Ramachandrappa v. Manager, Royal Sundaram Alliance Insurance Co. Ltd) rather than the Tribunal’s Rs.3,000; (ii) the percentage of disability should be 15% (up from 9%), given the prolonged treatment and functional impairment; (iii) re-calculation of disability-related compensation (~Rs.1,37,700) together with adjusted loss of earnings, pain and suffering, loss of amenities, and discomfort resulted in a total additional award of Rs.1,41,740. The appeal was allowed; the Tribunal’s award was modified to reflect enhanced compensation, to be deposited by the insurer within three months along with requisite claimant details. The decision reaffirms the causal link to the insured vehicle and grants relief for the claimant’s extended medical burden and diminished earning capacity.

Legal Doctrines & Maxims

  • Ramachandrappa principle (income of an ordinary worker to determine compensation)
  • Mc Bride Scale (disability assessment)
  • Functional disability consideration in MACT awards

Submissions & Arguments

Contentions of Appellants / Petitioners

The appellant contends that the Tribunal erred in fixing the monthly income at Rs.3,000 instead of Rs.4,500, misapplied disability assessment (9% vs 15%), and under-compensated for medical treatment, loss of earning, pain, and loss of amenities. Citing Ramachandrappa to adopt Rs.4,500 as reasonable income for 2004, the appellant seeks higher compensation across heads including disability, loss of earnings, and non-pecuniary losses in light of prolonged hospitalization (64 days in five spells) and surgeries.

Contentions of Respondents

The respondents contended that the accident occurred due to the appellant’s own negligence. They admitted policy coverage for the tempo van and argued the 2nd respondent lacked a license for the vehicle. They disputed the quantum of compensation and liability, maintaining that any liability should be constrained by policy terms and evidence of negligence.

Cited Precedents (1)

Case NameCitationTreatmentExplanation
Ramachandrappa v. Manager, Royal Sundaram Alliance Insurance Co. Ltd.[(2011) 13 SCC 236]PositiveThe Court relied on the Ramachandrappa principle to fix monthly income at Rs.4,500 for the year 2004, supporting an enhanced income basis for calculating compensation.

Diagnostic Tool

Beta

Does this judgment govern your specific facts?

Don't risk relying on a distinguishable precedent. Enter your facts or proposition below. We will test it against Santosh v. M.L. Paul and Nagaraj M and National Insurance Co. Ltd. and instantly map out authorities that support, challenge, or govern your position.

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. ``` ``` MONDAY, THE 5[TH] DAY OF FEBRUARY 2024 / 16TH MAGHA, 1945 ``` ## **`MACA NO.1403 OF 2013`** ``` FROM AWARD DATED 04.01.2013 IN O.P.(MV)NO.2150/2005 OF MOTOR ``` ## **`ACCIDENT CLAIMS TRIBUNAL, THRISSUR`** ## **`APPELLANT/PETITIONER:`** ``` SANTHOSH AGED 36 YEARS S/O.BALAN, PULIKKAPARAMBIL HOUSE, PONNUKKARA P.O., PUTHUR, THRISSUR DISTRICT ``` ``` BY ADV SRI.P.V.CHANDRA MOHAN ``` ## **`RESPONDENTS/RESPONDENTS:`** ``` 1M.L.PAUL PROP.FURNI FARU, KURIACHIRA, THRISSUR, PIN- 680 006 2NAGARAJ.M S/O.MANAPARAN, SREE RAM ESTATE, ATTAPADI, PALAKKAD DISTRICT, PIN-678 556 3M/S.NATIONAL INSURANCE CO.LTD. DIVISIONAL OFFICE, KOLLANNUR BUILDING, ROUND EAST, THRISSUR, PIN-680 001. ``` ``` BY ADV SRI.P.M.M.NAJEEB KHAN – R3 ``` ``` THIS MOTOR ACCIDENT CLAIMS APPEAL HAVING COME UP FOR ADMISSION ON 05.02.2024, THE COURT ON THE SAME DAY DELIVERED THE FOLLOWING: ``` ``` MACA NO.1403 OF 2013 ``` ``` 2 ``` ## **`JUDGMENT`** The appellant was the petitioner in O.P.(M.V.) No.2150/2005 on the files of the Motor Accident Claims Tribunal, Thrissur. The said claim petition was submitted by him, seeking compensation for the injuries sustained to him in a motor accident that occurred on 21.01.2005. According to him, the accident occurred when the motorcycle ridden by him was hit by a tempo van driven by the 2[nd] respondent in the claim petition. The said vehicle was owned by the 1[st] respondent and it was insured with the 3[rd] respondent. The appellant was a cleaner in a bus and was aged 28 years at the time of the accident. The monthly income claimed was Rs.4,500/-. According to him, he sustained very serious injuries in the accident and it resulted in physical disablement as well. The claim petition was submitted in such circumstances. 2. The 3[rd] respondent resisted the claim petition by contending that, the accident occurred due to the negligence on the part of the appellant himself. However, they admitted the coverage of policy for the tempo van. They further contended that the 2[nd] respondent was not having driving license for driving light ``` MACA NO.1403 OF 2013 ``` ``` 3 ``` vehicle at the relevant time. The quantum of compensation was also disputed by them. 3. The evidence in this case consists of oral testimony of PW1, the appellant himself and as documentary evidence Exts.A1 to A8 were marked. The Medical Board report was marked as Ext.X1. No evidence was adduced by respondents. 4. After the trial, the Tribunal found that the accident occurred due to the negligence on the part of the 2[nd] respondent in driving the tempo van and the 3[rd] respondent, being the insurer of the said vehicle was held liable to pay compensation. The quantum of compensation was fixed as Rs.2,24,200/- and the said amount was directed to be deposited by the 3[rd] respondent with interest at the rate of 8% per annum from the date of petition till realisation with proportionate cost. This appeal is submitted by the appellant in such circumstances seeking enhancement of compensation. 5. Heard Sri.P.V. Chandramohan, learned counsel appearing for the appellant and Sri.P.M.M. Najeeb Khan, learned ``` MACA NO.1403 OF 2013 ``` ``` 4 ``` counsel appearing for the 3[rd] respondent. 6. The learned counsel for the appellant contends that the amounts awarded by the Tribunal under various heads, particularly under the head of disability, were grossly inadequate. The learned counsel brought the attention of this Court to the prolonged treatment the appellant had availed, consequent to the injuries, which included hospitalization of 64 days in five spells and various surgical procedures which he had undergone. It was further pointed out that the Medical Board itself found the percentage of disability to be 9%. But the Tribunal accepted only 8%. It is also the case of the learned counsel for the appellant that the monthly income taken by the Tribunal was only Rs.3,000/- as against the claim of Rs.4,500/-. 7. After considering all the relevant aspects, I find some force in the contention put forward by the learned counsel for the appellant. As regards the monthly income, as rightly pointed out by the learned counsel for the appellant, the amount of Rs.3,000/accepted by the Tribunal appears to be on the lower side considering the fact that the accident occurred in the year 2005. It ``` MACA NO.1403 OF 2013 ``` ``` 5 ``` is to be noted in this regard that, in **Ramachandrappa v. Manager, Royal Sundaram Alliance Insurance Co.Ltd** [(2011) 13 SCC 236], the honourable Supreme Court was pleased to take the monthly income of an ordinary worker even without any evidence as Rs.4,500/- for the year 2004. Therefore, under no circumstances the monthly income of Rs.4,500/- claimed by the appellant could be treated as unreasonable. Therefore, the said amount can be accepted and it is ordered accordingly. 8. The next aspect is the percentage of disability. Ext.X1 is the disability certificate issued by the Medical Board wherein the percentage of disability was certified as 9% as per Mc Bride Scale. The documents would indicate that the appellant sustained an inter-trachantric fracture with an impsilateral fracture shaft of the femur. He was admitted on 21.01.2005 and thigh born implants were fixed and implants for the hip portion to knee portion. On that occasion, he had undergone inpatient treatment for a period of 28 days. Thereafter, on several occasions, he was admitted to hospital for further treatment and on 17.07.2007, it was found that the screws of the implant were seen broken. ``` MACA NO.1403 OF 2013 ``` ``` 6 ``` Therefore, he underwent a surgical procedure for nail removal, and the implants were removed and refixed by conducting a born grafting for the second occasion. Thus, it could be seen that he had undergone inpatient treatment for a total period of 64 days in five spells. The specific contention put forward by the learned counsel for the appellant is that the percentage of disability, which is mentioned as 9% in Ext.X1, is not sufficient because the disability sustained by the appellant resulted in a functional disability which is higher than the same. The learned counsel brought the attention of this Court to the observations made by the Tribunal in the award that the appellant appeared before the Tribunal and the Tribunal noticed that he had some difficulty in walking. He used to walk with the help of a walking stick, and considering the physical condition of the appellant, certainly, a higher percentage of disability than certified in Ext.X1 towards functional disability needs to be taken. After carefully going through the materials placed on records, I am of the view that the said contention as such cannot be discarded. Of course, in Ext.X1, it is mentioned that the femur and trachantric fractures are ``` MACA NO.1403 OF 2013 ``` ``` 7 ``` united with good callus. But at the same time, it is also mentioned therein that the plate has now broken and there are broken screws from the interlocking nail as well. The aforesaid observations would, to some extent, justify the contention put forward by the learned counsel for the appellant and also fortify the observations made by the Tribunal as to the physical incapacity of the appellant when he was brought to the Tribunal. It is not in serious dispute that the appellant was a person working as a cleaner on a bus, and therefore, the nature of disabilities as referred to above will have some impact on his earning capacity. In such circumstances, I am convinced of the fact that a slightly higher percentage of disability than mentioned in Ext.X1 could be taken for considering the functional disability which he suffered consequent to the injuries sustained in the accident. In the facts and circumstances of the case, I deem it appropriate to fix it as 15%. 9. Thus, while reassessing the compensation, with the above revised monthly income and the percentage of disability, the amount of compensation for disability would come to ``` MACA NO.1403 OF 2013 ``` ``` 8 ``` Rs.1,37,700/- (4,500 x 12 x 17 x 15/100). The amount already awarded by the Tribunal under this head is Rs.48,960/- and the balance amount would come to Rs.88,740/-. The next head is compensation for loss of earnings. The Tribunal awarded compensation under this head for a period of one year which appears to be reasonable considering the prolonged treatment which the appellant had availed. Consequent to the revision of monthly income, the appellant would be entitled to some additional amount in this head. Thus, the additional amount is fixed as Rs.18,000/- [(4,500 x 12) – 36,000]. 10. The next head which requires consideration is pain and suffering. The Tribunal awarded an amount of Rs.20,000/under the said head. This is an accident that occurred in the year 2005. The evidence would clearly indicate that the appellant had undergone a prolonged treatment, which included inpatient treatment on five occasions and also had undergone various surgical procedures. The records further indicate that even after his discharge, he was subjected to review on several occasions till 08.02.2008, which is three years after his discharge. In such ``` MACA NO.1403 OF 2013 ``` ``` 9 ``` circumstances, I deem it appropriate to grant a further sum of Rs.20,000/- under the head of pain and suffering. The amount awarded towards loss of amenities and enjoyment of life was Rs.18,000/- and a further sum of Rs.5,000/- was granted towards discomforts. Considering the serious nature of the injuries, the physical disability arising therefrom, and the impact that may have on the quality of the life of the appellant, I deem it appropriate to grant a further sum of Rs.15,000/- under the said head. Thus, the total additional compensation is determined as Rs.1,41,740/-. In the result, this appeal is allowed. The award dated 04.01.2013 passed by the Motor Accident Claims Tribunal, Thrissur in O.P.(M.V.) No.2150/2005 is hereby modified by granting an additional compensation of Rs.1,41,740/- (Rupees one lakh forty one thousand, seven hundred and forty only) and the said amount is directed to be deposited by the 3[rd] respondent with interest at the rate as ordered by the Tribunal and with proportionate costs. The said amount shall be deposited by the 3[rd] respondent within a period of three months from the date of receipt of a copy of this judgment. It is further clarified that the ``` MACA NO.1403 OF 2013 ``` ``` 10 ``` claimant shall furnish the details of the PAN card, Aadhar Card and bank details to enable the Insurance Company to make the deposit as ordered above, within period of two months from the date of receipt of a copy of this judgment. In case, he fails to furnish the said details, it shall be open for the insurance company to deposit the same amount before the Tribunal. ``` Sd/- ZIYAD RAHMAN A.A. JUDGE ``` scs