High Court of KeralaDivision BenchAppeal allowed; impugned award modified; insure...

Thampi K. v. Sukumaran

Case / Petition Number:MACA.No. 2831 of 2008

Case Details & Bench

Court
High Court of Kerala
Hon'ble Judges
  • Pius C. KuriaKose
  • A.V. Ramakrishna Pillai
Judgment Date
2012-08-08
Court Decision / Holding
The appeal is allowed and the impugned award is modified accordingly. The appellant is entitled to an additional 26,600, with interest at 7% per annum from the date of petition. The first respondent driver’s negligence remains; however, the third respondent Insurance Company is directed to pay the modified amount and to recover the same from the registered owner of the offending vehicle. The liability framework is clarified in light of Swaran Singh, ensuring insurer liability notwithstanding absence of license, with recovery from the owner where appropriate.
Final Disposition
Appeal allowed; impugned award modified; insurer liable to pay and recover from owner.

Parties to the Case

Appellants / Petitioners

  • Thampi K., s/o. Kolangara Chathukutty, Kuzhikattusssery Post, Thrissur District

Respondents

  • Sukumaran, s/o Balakrishnan Vaidyar, Sapna, Thiruthiyad, Near Azhayamkudy Devi Temple, Kasba Village, Calicut
  • The Managing Partner, Vimala Smaraka Pharmacy, Perinthanmanna Malappuram District
  • The Manager, New India Assurance Company Ltd., Malappuram Branch, Uphil Catholic Centre

Legal Representation & Advocates

Counsels for Petitioners

  • • Sri. T.N.Manoj

Counsels for Respondents

  • • Smt. Anu Sivaraman
  • • Smt. P.V.Asha
  • • Sri M.Jacob Murickan

Case Synopsis & Summary

This High Court of Kerala appeal arises from MACA No. 2831 of 2008 against MACT award No. 1219/2002. The appellant, Thampi K., a 42-year-old Second Grade Overseer in the Irrigation Department, sustained serious injuries when his motorcycle collided with an Omni van on 18-07-2002. The Tribunal found negligence by the van driver but exonerated the insurer on the ground that the insured vehicle lacked a valid driving license at the relevant time. The appellant challenges both the liability allocation and the quantum of compensation. Medical records show cerebral edema, minimal subarachnoid hemorrhage, and a fracture of the temporal bone, with a 29-day hospital stay. While the Tribunal awarded 12,000 for pain and suffering, the High Court increases heads of compensation: an additional 3,000 for pain, 5,000 for loss of amenities, 2,800 for loss of earning (one month), and 5,800 for bystander expenses, plus 10,000 for continuing discomfort, totaling 26,600 with 7% interest from the petition date. The court rejects Ext.A5’s 30% disability certificate as properly linking to the accident, noting evidence to the contrary, but recognises ongoing discomfort. Citing National Insurance Co. Ltd. v. Swaran Singh, the court holds that the insurer can be directed to pay and recover from the owner. The appeal is allowed and the award modified accordingly, with the insurer liable to pay and recover from the owner.

Legal Doctrines & Maxims

  • Swaran Singh principle (insurer liability with cogent evidence; insurer not automatically absolved due to absence of license)

Submissions & Arguments

Contentions of Appellants / Petitioners

The appellant argues that the Tribunal erred in exonerating the Insurance Company and inadequately assessed compensation. Given the serious head injuries (cerebral edema, subarachnoid hemorrhage, temporal bone fracture) and a 29-day hospital stay, the appellant seeks increased compensation across heads for pain and suffering, loss of amenities, loss of earnings for at least one month (supported by Ext. A9 showing admissible salary of 7,800), bystander's expenses, and continuing discomfort. The Ext. A5 certificate on 30% disability is rejected as lacking a proper nexus to the accident. The decision in Swaran Singh is invoked to hold insurer liable and to recover from the owner.

Contentions of Respondents

The respondents contend the Tribunal rightly exonerated the insurer given the lack of a valid driving license and that the award already reflects consideration of the evidence. They challenge the additional heads of compensation, arguing the medical evidence does not justify substantial enhancement and that liability should not be expanded beyond what the Tribunal determined. They rely on the absence of a direct, proven link between the alleged 30% disability certificate and the 2002 accident, and maintain that the insurer’s liability should align with the Tribunal’s findings and the established law.

Cited Precedents (1)

Case NameCitationTreatmentExplanation
National Insurance Co. Ltd. v. Swaran Singh2004(1) KLT 781 (SC)PositiveThe apex court decision is cited to support the view that without cogent evidence linking lack of license to the accident, the insurer cannot be absolved; hence insurer liability is affirmed and recoverability from the owner is allowed.

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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 PIUS C.KURIAKOSE & THE HON'BLE MR. JUSTICE A.V.RAMAKRISHNA PILLAI** **WEDNESDAY, THE 8TH DAY OF AUGUST 2012/17TH SRAVANA 1934** **MACA.No. 2831 of 2008 ( ) -----------------------------------OPMV.1219/2002 of MOTOR ACCIDENTS CLAIMS TRIBUNAL, IRINJALAKUDA .........** ## **PETITIONERAPPELLANT(S):** **-----------------------------------------** **THAMPI.K, S/O. KOLANGARA CHATHUKUTTY, KUZHIKATTUSSERY POSTE, THRISSUR DISTRICT.** **BY ADV. SRI.T.N.MANOJ** ## **RESPONDENT(S)/RESPONDENTS:** **------------------------------------------------** **1. SUKUMARAN, S/O. BALAKRISHNAN VAIDHYAR, SAPNA, THIRUTHIYAD, NEAR AZHAYAMKUDY DEVI TEMPLE, KASBA VILLAGE, CALICUT.** **2. THE MANAGING PARTNER, VIMALA SMARAKA PHARMACY, PERINTHANMANNA MALAPPURAM DISTRICT.** **3. THE MANAGER, NEW INDIA ASSURANCE COMPANY LTD., MALAPPURAM BRANCH UPHIL CATHOLIC CENTRE.** **BY ADV. SMT.ANU SIVARAMAN BY ADV. SMT.P.V.ASHA BY ADV. SRI.M.JACOB MURICKAN** **THIS MOTOR ACCIDENT CLAIMS APPEAL HAVING BEEN FINALLY HEARD ON 08-08-2012, THE COURT ON THE SAME DAY DELIVERED THE FOLLOWING:** **tss** ## **PIUS C. KURIAKOSE & A.V.RAMAKRISHNA PILLAI, JJ.** -------------------------------------------------------------- MACA. No. 2831 of 2008 ----------------------------------------------Dated this the 8[th] day of August, 2012 ## **J U D G M E N T** ## **Ramakrishna Pillai, J.** The appellant a 42 year old Second Grade Overseer in the Irrigation Department met with an accident on 18-72002 while he was riding his motorcycle which collided with an Omni Van coming from the opposite direction. The learned Tribunal found negligence on the first respondent who was at the wheels of the Omni Van. However, finding that the first respondent was not holding any valid driving license at the relevant time the third respondent who admitted the policy of the offending vehicle was exonerated from making compensation. In this appeal, the appellant is challenging the finding of the learned Tribunal exonerating the third respondent Insurance Company as well as the adequacy of the compensation awarded to him. 2. We have heard the learned counsel for the appellant, MACA.2831/08 -2- the learned counsel for the first respondent and the learned counsel for the third respondent Insurance Company. The impugned award was also perused. 3. Medical records reveal that the appellant was admitted to hospital with symptoms of cerebral oedema, minimal subarachnoid haemorrhage as well as fracture of the temporal bone. These were confirmed as per CT scan. He was hospitalised for a period of 29 days. The learned Tribunal has awarded a sum of `12,000/- as compensation for pain and suffering. Considering the nature of injuries sustained by the appellant as well as the period of hospitalisation we award an additional sum of `3000/- under that head. 4. We notice that no amount has been awarded by the Tribunal towards loss of amenities in life during the period of treatment and convalescence. Undoubtedly the appellant might have been forced to take rest on account of the MACA.2831/08 -3- injuries sustained. He has to be compensated for the loss of amenities during that period. We award to the appellant a sum of `5000/- under that head. 5. According to the appellant, he was earning a monthly salary of `8191/- he being a Second Grade Overseer in the Irrigation Department. To prove the same he has produced the salary certificate before the Tribunal. But it was not admitted in evidence. Now the appellant has produced the salary certificate and the same is allowed to be marked as Ext.A9. From Ext.A9 we see that the admissible salary of the appellant is `7800/-. Though the appellant has not produced any evidence to show that he was on leave, it is only reasonable to presume that he might not have been able to go for work at least for a period of one month and the learned Tribunal has awarded a sum of `5000/- towards loss of earning. We find that the appellant is entitled to get an additional sum of `2800/- towards loss MACA.2831/08 -4- of earning for one month. 6. As noticed above the appellant was hospitalised for a period of 29 days. But no amount was awarded by the learned Tribunal towards bystander's expenses. As the accident was in the year 2002 he is entitled to get bystander's expenses at the rate of `200/- per day. Thus we award to the appellant a sum of `5800/- towards bystander's expenses. 7. The learned counsel for the appellant relied on Ext.A5 medical certificate issued by a Medical Board which states that the appellant is having a residual disability of 30%. But going through the medical certificate we notice that the certificate was issued by the Medical Board taking into account another injury also sustained by the appellant in October 2002. We cannot see any proper nexus between the accident and the injuries sustained by the appellant in the month of October 2002. So we are not inclined to MACA.2831/08 -5- accept the percentage made mention of in Ext.A5. Taking into account the fact that the appellant had sustained a head injury it is only reasonable to hold that the same would cause some discomfort to the appellant at least for few more years. He has to be compensated for the same. In the absence of any convincing evidence regarding the exact percentage of disability, we award to the appellant `10,000/- towards continuing discomfort on a rough and ready estimate. 8. Thus in total the appellant is entitled to get an additional sum of `26,600/- over and above what has been awarded by the Tribunal, which will carry interest at the rate of 7% per annum from the date of petition till realisation. 9. It is in evidence that the first respondent who was the driver of the mini van was not holding any valid driving license at the time of the accident. The learned Tribunal on MACA.2831/08 -6- the basis of absence of driving license exonerated third respondent Insurance Company from the array of parties. It is well settled after the decision of the apex court in National Insurance Co. Ltd. v. Swaran Singh, 2004(1) KLT 781 (SC) that unless there is convincing evidence to show that the absence of driving license itself has contributed to the accident which has to be proved by cogent evidence by the insurer, the insurer cannot be absolved of the liability of paying compensation to the innocent victims. Following the aforesaid decision we are of the view that this is a fit case where the third respondent Insurance Company should have been directed to pay the compensation, reserving the right to recover the same from the second respondent registered owner of the offending vehicle. Accordingly we direct the third respondent Insurance Company to pay the amount and recover the same from the registered owner after effecting the payment. MACA.2831/08 -7- The appeal is allowed and the impugned award shall stand modified as above ## **(PIUS C.KURIAKOSE, JUDGE)** ## **(A.V.RAMAKRISHNA PILLAI, JUDGE)** ksv/-