High Court of KeralaSingle JudgeAppeal allowed; enhanced the compensation.

Suneesh P.P. v. Oriental Insurance Company Limited

Case / Petition Number:M.A.C.A No.3803 of 2018
Neutral Citation:2025:KER:27353

Case Details & Bench

Court
High Court of Kerala
Hon'ble Judges
  • Jobin Sebastian
Judgment Date
2025-03-28
Court Decision / Holding
The appeal is allowed; enhanced compensation by Rs.8,16,000 with interest at 7.5% per annum on the enhanced amount from the date of petition till realisation, subject to deduction for period of delay during the appeal; the insurer is to deposit the enhanced compensation with proportionate costs within three months; on deposit, the Tribunal shall disburse the amount to the claimant.
Final Disposition
Appeal allowed; enhanced the compensation.

Parties to the Case

Appellants / Petitioners

  • Suneesh P.P.

Respondents

  • Owner of jeep KL-01-X-4485
  • Driver of jeep KL-01-X-4485
  • The Oriental Insurance Company Limited

Legal Representation & Advocates

Counsels for Petitioners

  • • K.V. Rashmi

Counsels for Respondents

  • • P. Jacob Mathew

Case Synopsis & Summary

Sunesh P.P., the claimant in MACA No.3803 of 2018, sustained serious injuries in a motor-vehicle accident on 11 November 2010 when his motorcycle KL-56B-5987 was struck by jeep KL-01-X-4485 driven rashly. He challenged the Motor Accident Claims Tribunal, Vadakara's award of Rs.5,87,130 with 9% interest and costs, arguing the compensation was grossly inadequate in light of the injury severity, permanent disability (50%), and disruption to his livelihood. The tribunal had fixed the claimant’s monthly income at Rs.4,000 and added 30% future prospects, yielding Rs.5,200, despite the absence of reliable evidence of occupancy and earnings; it relied on lower figures. The High Court examined the evidence and invoked Ramachandrappa v. Manager, Royal Sundaram Alliance Insurance Co. Ltd. and Sarla Verma v. Delhi Transport Corporation to recalibrate the assessment. The court concluded the claimant’s monthly income in 2010 should be notionally Rs.7,500; with a 50% disability and a 16 multiplier, permanent disability should be Rs.7,20,000. It recalculated loss of earnings, pain and suffering, and loss of amenities and concluded additional compensation of Rs.8,16,000 was warranted. The appeal was allowed, directing the insurance company to deposit the enhanced amount with proportionate costs within three months, with the tribunal to disburse upon deposit.

Submissions & Arguments

Contentions of Appellants / Petitioners

The appellant submits that the tribunal under-compensated the claimant. It erred in fixing monthly income at Rs.4,000 in 2010-2011 and in applying only a 30% future prospect, despite the absence of reliable evidence on occupation and income; using the notional figure mandated by Ramachandrappa v. Manager (2011) 13 SCC 236 and the multiplier rule from Sarla Verma v. Delhi Transport Corporation, the monthly income should be Rs.7,500. With 50% permanent disability and a multiplier of 16, the permanent disability component should be Rs.7,20,000. For loss of earnings, six months’ loss (Rs.7,500 x 6) amounts to Rs.45,000; after deducting the tribunal’s earlier Rs.24,000, the claimant should receive Rs.21,000 more. Pain and suffering should be Rs.50,000 rather than Rs.15,000; loss of amenities should be Rs.40,000 instead of Rs.10,000. With these adjustments, the total enhancement would be Rs.8,16,000; interest at 7.5% on the enhanced amount from the petition date till deposit and costs would follow. The insurer must deposit the enhanced amount within three months; upon deposit, the tribunal should disburse the amount.

Contentions of Respondents

The respondents contend that the award is just, fair, and adequate; there was limited evidence of actual income; the tribunal’s method including the 50% disability assessment is appropriate; there is no justification to apply Ramachandrappa’s 7,500 notionally since evidence is weak; the existing Rs.5,87,130 plus 9% interest already reflects reasonable compensation; enhancement is unwarranted.

Cited Precedents (2)

Case NameCitationTreatmentExplanation
Ramachandrappa v. Manager, Royal Sundaram Alliance Insurance Company Ltd.[(2011) 13 SCC 236]PositiveCited to justify notionally assessing income (Rs.7,500) and the concept of future prospects for assessment of compensation.
Sarla Verma v. Delhi Transport Corporation[2010 (2) KLT 802 (SC)]PositiveCited for applying the 16 multiplier for damages; used to determine appropriate multiplier considering age.

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Extracted Judgment Text

Exact text extracted from official judgment records.

``` 2025:KER:27353 ``` **==> picture [58 x 57] intentionally omitted <==** ## **`IN THE HIGH COURT OF KERALA AT ERNAKULAM`** ## **`PRESENT`** ``` THE HONOURABLE MR.JUSTICE JOBIN SEBASTIAN ``` ``` FRIDAY, THE 28[TH] DAY OF MARCH 2025/7[TH] CHAITHRA, 1947 ``` ``` MACA NO.3803 OF 2018 ``` ``` AGAINST THE ORDER/JUDGMENT DATED 07.10.2016 IN OPMV NO.510 OF 2011 OF MOTOR ACCIDENT CLAIMS TRIBUNAL VADAKARA ``` ## **`APPELLANT/CLAIMANT`** ``` SUNEESH P.P., AGED 35 YEARS, S/O LATE RAMAN, RESIDING AT PUTHAN PURAKKAL HOUSE P.O., NOCHAD, (VIA) NADUVANNUR, KOZHIKODE DIST-673624. ``` ``` BY ADV K.V.RASHMI ``` ## **`RESPONDENT/3RD RESPONDENT`** ``` THE ORIENTAL INSURANCE COMPANY LIMITED, D.O.II, PRAMOD BUILDING, CHEROOTTY ROAD, KOZHIKODE, REPRESENTED BY MANAGER-673101. ``` ## **`BY ADV JACOB MATHEW P`** ``` THIS MOTOR ACCIDENT CLAIMS APPEAL HAVING COME UP FOR ADMISSION ON 28.03.2025, THE COURT ON THE SAME DAY DELIVERED THE FOLLOWING: ``` ``` 2025:KER:27353 ``` ``` M.A.C.A No.3803 of 2018 ``` 2 **==> picture [58 x 57] intentionally omitted <==** ## **JUDGMENT** The petitioner in O.P.(M.V.) No.510 of 2011 on the file of the Motor Accident Claims Tribunal, Vatakara has preferred this appeal seeking enhancement of compensation awarded by the tribunal on account of the injuries sustained by him in a motor accident that occurred on 11.11.2010. 2. The case of the petitioner in brief is as follows:- On 11.11.2010, at 3.30 p.m., while the petitioner was riding a motorcycle bearing registration No. KL-56B-5987 through Ulliyeri to Perambra public road and when he reached at Theruvathkadavu (Naduvannur), a jeep bearing registration No.KL-01-X-4485 driven by the 2[nd] respondent in a rash and negligent manner hit on the motorcycle ridden by the petitioner. Due to the impact of the hit, the petitioner was thrown to the road causing him serious injuries. ``` 2025:KER:27353 ``` ``` M.A.C.A No.3803 of 2018 ``` 3 **==> picture [58 x 57] intentionally omitted <==** 3. The owner and driver of the offending Jeep were arrayed as the 1[st] and 2[nd] respondents respectively, whereas, the insurer of the said jeep was arrayed as the 3[rd] respondent. 4. The 3[rd ] respondent contested the petition by filing a written statement mainly disputing the quantum of compensation claimed in the petition. However, the 3[rd] respondent admitted the insurance coverage for the jeep involved in the accident. 5. During trial, from the side of the petitioner, Exts.A1 to A7 were marked and the permanent disability certificate issued by the medical board was marked as Exhibit C1. No evidence, whatsoever, was adduced from the side of the respondent. 6. After trial, the tribunal came to a conclusion that the accident occurred solely due to the rash and negligent driving of the jeep bearing registration No.KL01-X-4485 by the 2[nd] respondent and being the insurer ``` 2025:KER:27353 ``` **==> picture [58 x 57] intentionally omitted <==** ``` M.A.C.A No.3803 of 2018 ``` 4 the 3[rd] respondent was held liable to pay the compensation. The compensation was quantified as Rs. 5,87,130/- with interest at the rate of 9% per annum from the date of petition till realisation and proportionate costs. Seeking enhancement of the compensation awarded by the tribunal, the petitioner has come up with this appeal. 7. I heard Smt.Rashmi.K.V, the learned counsel appearing for the petitioner, and Sri.P. Jacob Mathew, the learned counsel appearing for the respondents. 8. The learned Counsel for the petitioner would submit that the compensation awarded by the tribunal under various heads is too meager. According to the Counsel it was without taking note of the serious nature of the injuries sustained by the petitioner and undermining the inconveniences and hardships caused to him due to the injuries sustained in the accident, the ``` 2025:KER:27353 ``` ``` M.A.C.A No.3803 of 2018 ``` 5 **==> picture [58 x 57] intentionally omitted <==** tribunal awarded such a meager amount. Per contra, the learned Counsel for the respondents contended that the compensation awarded by the tribunal under various heads is just, fair, reasonable, and adequate and warrants no interference. 9. From the rival contentions raised, it is gatherable that the main dispute that revolves around this appeal is with respect to the quantum of compensation awarded by the tribunal. A perusal of the award reveals that for the purpose of determining the compensation under the head of permanent disability and loss of earnings, the tribunal assessed the monthly income of the petitioner at Rs. 4,000/-. After making an addition of 30% towards future prospects the tribunal assessed the income of the petitioner at Rs.5,200/-. In the petition, it was contended that the petitioner was a tile worker by profession and was earning a monthly income of Rs.10,000/-. Though such a contention was ``` 2025:KER:27353 ``` **==> picture [58 x 57] intentionally omitted <==** ``` M.A.C.A No.3803 of 2018 ``` 6 taken, no evidence, whatsoever, was produced from the side of the petitioner to substantiate his claim regarding his occupation and income. Nonetheless, admittedly the accident occurred in the year 2010. Therefore, in view of the decision in _**Ramachandrappa v. Manager, Royal Sundaram Alliance Insurance Company Ltd. [(2011) 13 SCC 236]**_ **,** the tribunal ought to have assessed the monthly income of the petitioner at Rs.7,500/- notionally. As the petitioner was aged 35 at the time of the accident, in view the decision in **Sarla Verma v. Delhi Transport Corporation [2010 (2) KLT 802 (SC)]** , the multiplier to be reckoned is 16. 10. In order to prove the permanent disability, the disability certificate issued by a competent medical board is marked as Ext.C1. As evident from Ext.C1, the petitioner suffered a disability of 50% due to the injuries sustained in the accident. Considering the nature of injuries sustained by the petitioner, I am of the view ``` 2025:KER:27353 ``` **==> picture [58 x 57] intentionally omitted <==** ``` M.A.C.A No.3803 of 2018 ``` **==> picture [7 x 9] intentionally omitted <==** that the disability assessed by the medical board is justifiable and can be acted upon. If that be so the petitioner is entitled to get an amount of Rs. 7,20,000/(Rs. 7,500/- x 12 x 16 x 50/100) as compensation under the head of permanent disability. 11. Consequent to the enhancement in the monthly income, corresponding enhancement must be made towards compensation awarded under the head of loss of earnings. The petitioner had sustained the following injuries in the accident; - Hemorrhage left lateral ventricle subarachnoid Hemorrhage; - Inter fracture right- femur. 12. Give the nature of injuries, I am of the view that the the petitioner would have been prevented from doing any work or earning any income at least for six months. Hence the petitioner is entitled to get an ``` 2025:KER:27353 ``` **==> picture [58 x 57] intentionally omitted <==** ``` M.A.C.A No.3803 of 2018 ``` 8 amount of Rs.45,000/- (Rs.7,500/- x 6) as compensation under the head of loss of earnings. Already an amount of Rs.24,000/- has been awarded by the tribunal under the said head. After deducting the said amount, the petitioner is entitled to get an additional compensation of Rs.21,000/-(Rs. 45,000/- – 24,000/-) under the head of loss of earnings. 13. Considering the nature of the injuries sustained by the petitioner and the treatment procedures underwent by him, I am of the view that a reasonable amount is to be awarded under the head of pain and suffering also. However only a meager amount of Rs.15,000/- is seen awarded by the tribunal under the said head. The said amount is obviously on the lower side. The pain and sufferings endured by the petitioner in connection with the accident ought not to have been overlooked by the tribunal while awarding compensation under the said head. I am of the view that an amount of ``` 2025:KER:27353 ``` ``` M.A.C.A No.3803 of 2018 ``` 9 **==> picture [58 x 57] intentionally omitted <==** Rs.50,000/- is to be awarded under the head of pain and sufferings, entitling the petitioner get an additional compensation of Rs.35,000/- (Rupees Thirty-Five Thousand Only) under the head of pain and sufferings. 14. The compensation awarded by the tribunal under the head of loss of amenities also appears to be on the lower side. Only a meager amount of Rs.10,000/- is seen awarded by the tribunal under the said head. As I have already mentioned, the petitioner had undergone 33 days of inpatient treatment in connection with the accident. The petitioner had sustained several serious injuries including fractures. Moreover, the injuries resulted in a permanent disability of 50%. Therefore, the inconveniences and hardships endured by the petitioner in connection with the injuries sustained in the accident must be taken note of while awarding compensation under the head of loss of amenities. I am of the view that an amount of ``` 2025:KER:27353 ``` ``` M.A.C.A No.3803 of 2018 ``` **==> picture [58 x 57] intentionally omitted <==** 10 Rs.40,000/- is to be awarded as additional compensation under the said head also. 15. The compensation awarded by the tribunal under other heads appears to be reasonable and justifiable and no interference is warranted. Hence, an amount of Rs 8,16,000/- (Rs.7,20,000/-+ Rs.21,000+ Rs.35,000 + Rs.40,000) has to be added to the total compensation awarded by the tribunal. In the light of the aforesaid observations and findings, the appeal is allowed by enhancing the compensation by a further amount of Rs. 8,16,000/(Rupees Eight Lakhs Sixteen Thousand only) with interest at the rate of 7.5% per annum on the enhanced compensation from the date of claim petition till the date of deposit, after deducting interest for a period of 648 days, i.e., the period of delay in preferring this appeal and as directed by this Court on 10.04.2019 in C.M. Appln. No.1/2018. The respondent insurance ``` 2025:KER:27353 ``` **==> picture [58 x 57] intentionally omitted <==** ``` M.A.C.A No.3803 of 2018 ``` **==> picture [13 x 9] intentionally omitted <==** company is ordered to deposit the enhanced compensation with interest before the tribunal with proportionate costs within a period of three months from the date of receipt of the certified copy of this judgment. Immediately on the compensation amount being deposited, the tribunal shall, after deducting the liability of the appellant/petitioner towards the court fee, disburse the compensation amount to the appellant/petitioner in accordance with rules. **==> picture [404 x 33] intentionally omitted <==** **JOBIN SEBASTIAN** **JUDGE** Cak