BEFORE THE MOTOR ACCIDENT CLAIMS TRIBUNAL-CUM-
PRINCIPAL DISTRICT JUDGE, KADAPA
Present: V. SRINIVASA ANJANEYA MURTHY,
CHAIRMAN, MOTOR ACCIDENT CLAIMS TRIBUNAL-CUM-
PRINCIPAL DISTRICT JUDGE, KADAPA.
Friday, this the 30 th day of June, 2023
M.V.O.P.No. 277 of 20 19
Between:
Jaladanki Rajesh, S/o Chandra Sekhar Achari, aged 22 years, Hindu, Painter now residing at D.No.2/305, Maruthi Nagar, Kadapa Town and City. Previously residing at 6/92, Girija Street, Railway Kodur Mandal, Kadapa District. … Petitioner And:
1. J.Sai, S/o Chandra Sekhar Achari, Hindu, age not known but Major, residing at D.No.8/163-3, Ram Near, Railway Kodur Town and Mandal, Kadapa District. (Owner of the Yamaha Motorcycle bearing No. AP 04-BX-1556).
2. The Reliance General Insurance Co. Ltd, rep. by its Branch Manager, Legal Branch Office, D.No.13-2-275, R.S.Road, Kadapa. (Insurer of the Yamaha Motorcycle bearing No. AP 04-BX-1556). … Respondents
This petition coming on 23.06.2023 before me for final hearing in the presence of Sri U.Subramanyam, Advocate for petitioner, Respondent No.1 remained exparte and Sri D.Raja Sekhar Reddy, Advocate for Respondent No.2 and upon perusing the material available on record and the matter having stood over for consideration till this day, this Court made the following :
O R D E R
01.This petition is filed under Section.166 of Motor Vehicles Act r/w Rule 455 of A.P.M.V. Rules claiming compensation of Rs.35,00,000/- for the injuries sustained by the petitioner/injured in the accident that was taken place on 18.10.2018 at about 10.15 PM near Chadalawada Ramanamma Engineering
College on Renigunta – Tirupati Main Road.
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02.The material averments of the petition in brief are as follows:-
(i) The Petitioner is the injured. The 1st Respondent is the Owner, 2nd respondent is the Insurer of the crime vehicle Yamaha Motor cycle bearing
No.AP04-BX-1556.
(ii) The injured was the pillion rider of the motor cycle of respondent No.1 which was driven by its driver who also died in the accident.
(iii) The injured was hale and healthy and was aged about 22 years and was working as painter and getting monthly income of Rs.18,000/-.
(iv) On 18.10.2018 at about 8.30 PM, the petitioner with his friend Hari
Varma went to Tirupati to attend marriage function on the motor cycle of respondent No.1. Hari Varma was the rider and the petitoner was pillion rider of their motor cycle. When their motor cycle reached near Chadalawada
Ramanamma Engineering College at about 10.15 PM, the rider of the motor cycle
Hari Varma drove the vehicle so rashly and negligently and while in the course of taking over the front going unknown lorry, hit the left side rear portion of the lorry and unable to control the motor cycle and hence, the rider and pillion rider of the motor cycle fell down and sustained injuries. The petitioner sustained grievous injuries over his right leg, right eye and the rider of the motor cycle Hari Varma sustained grievous injury on his head. Both injured were shifted to SVRR
Government Hospital, Tirupati and from there the petitioner was shifted to Purnas
Remedy Hospital on 19.10.2018 and the rider of the motor cycle was shifted to
DBR Hospital where he succumbed to injuries. The accident occurred due to rash and negligent riding of the motor cycle by its rider Hari Varma.
(v) Thiruchanur Police registered FIR in Crime No.226/2018 for the offences U/Sec.304(A) and 338 IPC, but later they filed Final Report closing the case since the case was abated on the death of Hari Varma/rider of the motor cycle.
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(vi) The petitioner sustained injuries 1) Compound Grade-II Supra
Condylar with Intracondylar Fracture Right Distal Femur, 2) Joint Effusion and surrounding Soft Tissue Edema seen, 3) Mild Surgical Emphysema, 4) D11,
D12space ribs posterior ends show Fractures, 5) Right Lower Lobe Posterior
Basal Segment shows Mild Subpleural Contusion, 6) Hairline Fracture of Fontal on Right Side extended to the Roof of Orbit, 7) Right Zygomatic Arch Fracture seen, 8) Right Maxillary Sinus Anterior and Lateral Walls shown Comminuted
Fracture with Hemosinus and 9) Right Frontal, Parietal and Periorbital Soft Tissue
Swelling seen and all the said injuries are grievous in nature. The petitioner underwent surgery on 19.10.2018 and he incurred medical expenses of
Rs.2,00,000/- and took treatment as inpatient for 9 days. The petitioner was bed ridden and was sick for 9 months and he is suffering with right leg shortening.
Due to imbalance the petitioner is permanently disabled and he is unable to walk as prior to the accident.
(vii) The Respondent Nos.1 and 2 since the owner and insurer of the motor cycle are jointly and severally liable to pay compensation of Rs.35,00,000/- with interest at 12% per annum to the petitioner.
03.The Respondent No.1 remained exparte. Respondent No.2 filed counter denying the material allegations of the petition. The Respondent No.2 submit that the petitioner being pillion rider of the motorcycle is not a third party to the policy and hence, the petitioner is not entitled to any compensation. It further submit that the petitioner is no other than the brother of the respondent No.1 and he borrowed the motor cycle from his brother and hence, he stepped into the shoes of the owner of the motor cycle and as such the petitioner is not a 3rd party to the policy. In fact, the petitioner was riding his motorcycle at the time of accident and due to his rash and negligent riding of the motor cycle only the accident occurred. Since the 4 accident occurred due to the own fault of the petitioner, the petitioner is not entitled to compensation. The petitioner has to establish the treatment taken by him and so also the medical expenses incurred by him.
04.The following issues are framed for trial :
1.Whether the petitioner sustained injuries in a motor vehicle accident which occurred on 18.10.2018 due to rash and negligent driving of driver of Yamaha FZ bearing No.AP 04- BX-1556?
2.Whether the petitioner is entitled for compensation, if so, what amount and from whom?
3.To what relief?
05. On behalf of the petitioner Pws.1 to 4 were examined and Exs.A1 to A14 are marked. RW1 was examined and Ex.B1 was marked for Respondent No.2
06. Heard the learned counsel for the petitioner and respondent No.2.
Besides addressing oral arguments, memo of arguments are filed for Respondent
No.2.
07. ISSUE No.1 :P.W.1/injured deposes that on 18.10.2018 himself and his friend Hari Varma went to Tirupathi to attend a marriage function on the motorcycle of the respondent No.1, that his friend Hari Varma was the rider of the motorcycle and he/PW1 was the pillion rider and when their motorcycle reached near Sadalavada Ramanamma Engineering College at about 10.15 pm, Hari
Varma/rider of the motorcycle drove the vehicle so rashly and negligently and tried to take over front ongoing unknown lorry and during that course the motorcycle hit the left side rear portion of the lorry and hence Hari Varma was unable to control the motorcycle and hence the said Hari Varma and P.W.1 fell on the road and sustained injuries. P.W.1 deposes that the accident occurred due to rash and negligent driving of the motorcycle by its rider Hari Varma only, that Hari 5
Varma succumbed to injuries and that he/P.W.1 sustained grievous injuries and
Tiruchanoor police registered F.I.R in Cr.No.226/2018 for the offences
U/Secs.304(A) and 338 IPC and subsequently final report was filed closing the case since abated on the death of Hari Varma/rider of the motorcycle. Ex.A1/F.I.R,
Ex.A3/final report support the evidence of P.W.1 that the accident occurred only due to the rash and negligent driving of deceased rider of the motorcycle belongs to respondent No.1. The respondent No.1/owner of the motorcycle remained exparte and did not dispute riding of his motorcycle by the deceased at the time of accident. Though respondent No.2 contested the matter, it also did not dispute the factum of the accident due to the rash and negligent riding of the motorcycle by the deceased rider Hari Varma. Hence, this Tribunal has no hesitation to hold that the accident occurred due to the rash and negligent riding of the crime vehicle by the deceased rider Hari Varma in which the petitioner while traveling as pillion rider of the motorcycle, sustained injuries. Accordingly, this issue is answered.
08. ISSUE Nos. 2 and 3: Now, it is to be decided what will be the quantum of compensation to be awarded to the petitioner.
(i)According to PW1, he sustained fractures as stated in his evidence and spent medical expenses of Rs.2,00,000/-, that he underwent surgeries and took bed rest for 09 months and to prove his injuries, he examined the doctors who treated him.
(ii)PW4 is the Consultant, Orthopedic Surgeon in Elite Hospital,
Tirupathi and he deposes that he examined PW1 who presented with pain right knee deformity and shortening of right lower limb two years back in a road accident and he underwent multiple surgeries, developed deformity and shortening and PW1 underwent surgery implant removal of deformity corrections with ortho fix right femur with corticotomy and PW1 was discharged from their hospital vide 6
Ex.A9 discharge summary and they have issued Ex.A10 bills. In his cross- examination, PW4 has stated that PW1 underwent surgery elsewhere prior to admission in their hospital on 11.12.2020 and the injury was corrected by way of surgery with regard to deformity and shortening.
(iii) PW3 is a professor of Department of Orthopedics, GMC, Kadapa and he deposes that Ex.A11 disability certificate was issued by District Medical Board and that he was one among the members of the Medical Board and that the
Medical Board issued Ex.A11 disability certificate of PW1 on 16.03.2020 certifying the percentage of disability to PW1 at 55% to the right lower limb. He further deposes that PW1 has been suffering from post traumatic sequel type II supra condylar fracture right side femur bone, operated implant in the bone in multiple scars deformed angulated varusole of formation of shortening right femoral component in 3 inches compart to left side and with extensor leg painful difficulty in walking without stick not able to sit, squat and climb and that they have verified X-rays and discharge summary of Purna’s Remedy Hospital,
Tirupathi and on clinical examination, they have issued Ex.A11. However he denied the suggestion that the fracture was united and that there was no deformity shortening of right femur 3 inches and extensor leg. From the evidence of PW3 coupled with Ex.A11/disability certificate, this Tribunal has no hesitation to hold that the petitoner is able to establish that he sustained fracture injury to his right femur and shortening of 3 inches of right femur and extensor leg and the percentage of his disability assessed at 55%.
(iv)PW4 is the Consultant Orthopedic Surgeon Elite Hospital, Tirupathi deposes that their hospital issued Ex.A10 bills for Rs.1,76,226/- for the treatment given to P.W.1 and hence PW1 is entitled to the said medical expenses of
Rs.1,76,226/- .
7 ( v) P.W.1 produced Ex.A7 medical bills for the treatment taken by him in
Purna’s Remedy Hospital, Tirupathi and MIOT Hospitals, Chennai for a total sum of Rs.40,593/- to which P.W.1 is entitled.
09.According to Ex.A2/Wound Certificate of PW1/injured, he was 22 years of age as on the date of accident. Hence, I assessed the age of the injured/PW1 as on the date of accident at 22 years.
10.P.W.1 in his evidence deposes that he is working as painter in Royal Play
Design in special wall and was earning Rs.18,000/- per month. To prove his earnings, PW1 examined PW2. P.W.2 deposes that he is the President of Paint
Workers Association, Railway Kodur town and that PW1 is a member of their association and he used to get Rs.18,000/- per month as net income and that he issued Ex.A14 certificate certifying the monthly income of PW1. In his cross- examination, PW2 admitted that the Labour Department will issue identification cards to all the workers who are members in the association for building construction workers in which the painters, plumbers and other construction related workers will be members and once the worker is registered in the said association, in case of any injury caused to the member worker, the Government would pay compensation to them. However, he denied the suggestion that there was no paint workers association in Railway Kodur town. On considering the evidence of PW2, this Tribunal is of the opinion that PW1 if really a member in the alleged paint workers association of Railway Kodur town, certainly he should have been a member in the Association for building construction workers and he should have been issued with an identification card but no such card was produced by PW1. Under these circumstance, I am unable to place reliance upon the evidence of PW2 and Ex.A14. When the evidence of PW2 and Ex.A14 are not considered, there is no other evidence to prove the monthly earnings of PW1 as 8 claimed by him. Hence, PW1 is treated as non earning member. Considering the age of the petitoner, his annual earnings are notionally assessed at Rs.1,00,000/-.
11. Since the petitioner was aged 22 years, the multiplier applicable to his case is ‘18’ (vide Sarala verma and others Vs. Delhi Transport Corporation and another (2009)6 SCC 121). Since the petitioner is suffering from 55% disability, the loss of his annual income will be Rs.55,000/- (55% on Rs.1,00,000/-). Hence, the loss of income of P.W.1 is estimated at Rs.9,90,000/- (Rs.55,000/- x 18).
12.The petitioner is further entitled to medical expenses incurred by him for his treatment which are shown in the table below:
S.No. Vide Exhibit No. Amount (Rs.)
1.Ex.A10 Medical Bill issued by Elite1,76,226-00 Hospitals, Tirupathi
2.Ex.A7 Medical bills issued by different40,593-00 hospitals
Total Medical Expenses incurred by PW1 2,16,819-00
13.Admittedly, as the petitioner is suffering with 55% disability, he has to visit hospital frequently in future for follow up treatment and as such in my considered opinion, he is entitled for Rs.50,000/- towards transportation charges. The petitioner is also entitled for a sum of Rs.50,000/- towards permanent disability (vide Subulaxmi Versus M.D.Tamilnadu State Transport Corporation and
Another (2013) 1 ALD 68 SC).
14.Since the petitioner needs medical treatment in future also for his injuries, I am of the opinion that Rs.1,00,000/- is to be granted towards future medical expenses in addition to the compensation granted supra.
15.I further opinion that a sum of Rs.1,00,000/- is also to be awarded as
additional compensation towards damages for pain, suffering and trauma as
consequence of injuries of the petitioner in view of the medical evidence (vide
Afnees (unconscious) Represented through Mother V/S Oriental Insurance
Co Ltd Vadakara and Others (2017) ACJ 2622 SC) 9
16.From the aforesaid discussion, I have no hesitation to hold that the petitioner is entitled for compensation under various heads as shown below:
S.No. Head Compensation
awarded Rs.
1.Towards loss of future income due to 9,90,000-00 permanent disability
2.Towards past medical expenses2,16,819-00
3.Towards transport charges50,000-00
4.Towards permanent disability50,000-00
5.Towards future medical expenses1,00,000-00
6.Towards pain, suffering and trauma as1,00,000-00 consequences of injuries
7.Total Compensation15,06,819-00
17.Admittedly, the respondent No.1 is the owner and respondent No.2 is the insurance company which issued insurance policy to the crime vehicle.
Admittedly, the insurance policy issued by respondent No.2 was in force on the date of the accident.
18.However, the respondent No.2 is denying its liability on the ground that the petitioner borrowed the motorcycle from the owner/respondent No.1 and stepped into the shoes of owner and as such he is not entitled to compensation against it. In his cross-examination, P.W.1 admitted that respondent No.1/owner of the motorcycle involved in the accident, is no other than his elder brother. Ex.A1 F.I.R was registered on the statement of P.W.1 recorded by the police in which P.W.1 has stated that himself and his friend deceased Hari Varma on his (P.W.1) motorcycle driven by Hari Varma while proceeding to Tirupathi, the accident occurred due to the rash and negligent driving of the motorcycle by the deceased Hari Varma.
19.The learned counsel for respondent No.2 submit that since P.W.1 borrowed the vehicle from his brother, he stepped into the shoes of the registered owner of 10 the vehicle and as such he is not entitled to compensation, as he is not a third party to the policy. In support of his argument the learned counsel for respondent No.2 relied on the following judgments: (A) ICICI Lombard General Insurance Com.
Ltd Vs Puri and others (2015 3 ACC 796) (Punjab and Haryana High Court) in which it was held that when the deceased was borrower of the motorcycle, he stepped into the shoes of the owner and he cannot be treated as third party and hence the claimants are not entitled to compensation. In that case also, the rider of a motorcycle died in the accident and the claim of his legal heirs was rejected on the ground that the motorcycle was owned by the son of the deceased therein and as such it was held that the deceased was not a third party to the policy as he being borrowed the vehicle from its owner, he stepped into the shoes of the owner. (B)
The Divisional Manager, United India Insurance Com. Ltd Vs T. Sangeetha
and others) (2021 2 TNMAC 344) (Madras High Court). In this case the deceased met with an accident while riding a motorcycle and the Hon’ble Madras
High Court held that the rider of the motorcycle who borrowed the motorcycle from the owner of the vehicle stepped into the shoes of the owner. (C) New India
Assurance Co.Ltd Vs Rama Vishram Gavas and Others 2022 ACJ 2723
(Bombay High Court) in which the Hon’ble Bombay High Court held that since the borrower of motorcycle who sustained fatal injuries when he lost control of the vehicle and fell down, since he is not a third party, claim for compensation is not maintainable. (D) Oriental Insurance Co.Ltd Vs Kanta Rani (2018) 4 ACC 811 (Punjab & Haryana High Court) in which the Hon’ble Punjab & Haryana High
Court held that the compulsory personal accident is for the benefit of only registered owner-driver and it cannot be interpreted to mean owner or driver and further held that the borrower could not get the benefit of the personal accident claim as it was restricted to the registered owner-driver.
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20.On the other hand, the learned counsel for the petitioner relied on the judgment of the Hon’ble Bombay High Court, Nagpur Bench in United India
Insurance Co.Ltd., Vs Shindutai Wasudeorao Thakare and others 2021 ACJ
1090 in which the Hon’ble High Court held that in case of comprehensive policy, the pillion rider when met with accident due to negligence of motorcyclist, is entitled to compensation and the risk of the pillion rider is covered under comprehensive policy and the insurance company is liable to pay compensation.
21.I have verified Ex.B1 copy of the Insurance Policy. Ex.B1 is a two wheeler package policy and not comprehensive policy. In view of the judgments relied on the respondent No.2/insurance company cited supra, this Tribunal has no hesitation to hold that PW1 borrowed the motorcycle of his brother/respondent
No.1 and hence as rightly pointed out by the respondent No.2, P.W.1 stepped into the shoes of the owner and as such he is not entitled to claim compensation from respondent No.2/insurance company as he is not a third party to the accident.
Hence, this Tribunal has no hesitation to hold that PW1 is entitled to compensation from respondent No.1/owner of the motorcycle only and his claim against respondent No.2/insurance company is not maintainable under law.
22.The learned counsel for petitioner requested to apply the principle of pay and recover. To which the learned counsel for respondent No.2 vehemently opposed. In Shivraj Vs Rajendra (2018 ACJ 2755 (SC) ) the Hon’ble Supreme
Court while considering of the facts in that case that the injured/claimant therein travelled in a tractor and met with the accident which occurred due to the rash and negligent driving of the driver of the tractor and claims Tribunal allowed the claim of the injured against the owner and insurer of the crime vehicle, that the insurer preferred appeal before the Hon’ble High Court, that the Hon’ble High Court in the appeal observed that no additional insurance was taken in respect of the trailer 12 and there was no evidence to demonstrate that the tractor was attached to a trailer, that the tractor could accommodate only one person namely the driver of the tractor and none else and as such the Hon’ble High Court observed that the injured/claimant travelled in the tractor in breach of the terms and conditions of the policy and held that the insurance company is not liable to compensate the owner or the claimant and under those circumstances in the appeal preferred by the injured/claimant against the order of the Hon’ble High Court before the
Hon’ble Supreme Court, in its Judgment, the Hon’ble Supreme Court in para
Nos.9 and 10 observed as under:
09. The High Court, however, found in favour of respondent
No.2 (insurer) that the appellant travelled in the tractor as a
passenger which was in breach of the policy condition, for
the tractor was insured for agriculture purposes and not for
carrying goods. The evidence on record unambiguously
pointed out that neither was any trailer insured nor was any
trailer attached to the tractor. Thus, it would follow that the
appellant travelled in the tractor as a passenger, even though
the tractor could accommodate only one person namely the
driver. As a result, the Insurance Company (respondent No.2)
was not liable for the loss or injuries suffered by the appellant
or to indemnify the owner of the tractor. That conclusion
reached by the High Court, in our opinion, is
unexceptionable in the fact situation of the present case.
10. At the same time, however, in the facts of the present case,
the High Court ought to have directed the Insurance
Company to pay the compensation amount to the claimant
(appellant) with liberty to recover the same from the tractor
owner, in view of the consistent view taken in that regard by
this Court in (1) National Insurance Co. Ltd. Vs. Swarna
Singh & Ors., (2) Mangla Ram Vs. Oriental Insurance Co.
Ltd., (3) Rani & Ors. Vs. National Insurance Co. Ltd. & Ors.,
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and (4) Manuara Khatun and Others Vs. Rajesh Kumar
Singh And Others. In other words, the High Court should
have partly allowed the appeal preferred by the respondent
No.2. The appellant may, therefore, succeed in getting relief
of direction to respondent No.2 Insurance Company to pay
the compensation amount to the appellant with liberty to
recover the same from the tractor owner (respondent No.1).
23.In the case on hand also, though the insurance company is not liable to pay compensation to the petitioner, as Ex.B1/package policy was in force on the date of the accident, since the legislation on Motor Vehicles Act is a beneficial legislation, this Tribunal by following the cited judgment of the Hon’ble Supreme
Court, treating this as a fit case where the principle of pay and recover can be applied directing the respondent No.2/insurance company to pay the compensation to the petitioner in the first place with a liberty to recover the same from respondent No.1/owner of the motorcycle.
24.From the aforesaid discussion, this Tribunal has no hesitation to hold that the petitioner is entitled to a total compensation of Rs.15,06,819/- with proportionate costs and interest @ 7.5% p.a. thereon from the date of claim petition till the date of realization towards compensation for his injuries as against respondent No. 1 and respondent No.2/insurance company is not liable to pay compensation to the petitioner and the petition is liable to be dismissed against respondent No.2/insurance company. However, the respondent No.2 insurance company can be directed to pay the above said compensation amount to the claimant in the first place with a liberty to recover the same from the respondent
No. 1 by executing the award. Accordingly, these issues are answered.
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25. In the result,the petition is allowed in part with proportionate costs.
A A total compensation of Rs.15,06,819/- (Rupees fifteen lakhs six thousand eight hundred and nineteen only) with proportionate costs and interest thereon at 7.5% p.a., from the date of the petition till the date of realization is awarded to the petitioner. The rest of the claim of petitioner is rejected.
B The respondent No. 1 is liable to pay the awarded compensation with interest and proportionate costs thereon as stated supra to the petitioner. The petition against respondent No.2/insurance company is dismissed.
However, respondent No.2/insurance company is directed to deposit the said compensation amount with interest and proportionate costs into Court within one month from the date of this Award in the first place and with liberty to recover the same from the respondent No. 1 by executing the award without initiating separate legal proceedings.
C On such deposit, the petitioner is permitted to withdraw a sum of
Rs.5,06,819/- along with costs and interest on the total compensation amount and the remaining amount of Rs.10,00,000/- shall be kept in F.D.R in any nationalized bank for a period of three years.
D The Advocate fee is fixed at Rs.3,000/-.
E The office is directed to collect the Court Fee, if any, from the petitioner and then to prepare decree.
Typed to my dictation by the Stenographer, corrected and pronounced by me in open court on this the 30th day of June, 2023.
Sd/-V.S.A.MURTHY,
CHAIRMAN, MACT – CUM-
PRINCIPAL DISTRICT JUDGE,
KADAPA.
APPENDIX OF EVIDENCE
Witnesses Examined:
For the petitioner: For respondent No.2:
P.W.1 : J.Rajesh.R.W.1 : Y.V.M.Saran Kumar. P.W.2 : T.Siva Prasad. P.W.3 : Dr.J.Nagesh. P.W.4 : Dr.C.Murahari.
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Documents marked for the petitioner: Ex.A1: Attested copy of FIR Ex.A2: Attested copy of Wound Certificate Ex.A3: Attested copy of Final Report. Ex.A4: Discharge Summary issued by Purnas Remedy Hospital, Tirupati, dt.23.10.2018. Ex.A5: Discharge Summary issued by Purnas Remedy Hospital, Tirupati, dt.08.07.2019. Ex.A6: Medical Prescriptions (17 in number) issued by Purnas Remedy Hospital, Tirupati, dt.23.10.2018. Ex.A7: Bunch of Medical Bills (18 in number) for Rs.40,593/-. Ex.A8: CT Scan Reports issued by Krishna Scan Center, Tirupati (3 in number) Ex.A9: Discharge Summary issued by Elite Hospital, Tirupati, dt.21.12.2020. Ex.A10: Bill for Rs.1,76,226/- along with I.T., Final Bill for Rs.1,45,000/- issued by Elite Hospital, Tirupati. Ex.A11: Disability Certificate issued by Medical Board, RIMS Hospital, Kadapa, dt.16.03.2020. Ex.A12: CT Scan Report along with OPD Initial Assessment issued by MIOT Hospital, Chennai, dt.03.09.2020. Ex.A13: Bunch of X-Ray Bills and MRI Bills (27 in number). Ex.A14: Certificate issued by Paint Work Association, Railway Kodur, dt.15.07.2021.
Documents marked for respondent No. 2:
Ex.B1: True Copy of Policy.
Sd/-V.S.A.MURTHY,
CHAIRMAN, MACT – CUM-
PRINCIPAL DISTRICT JUDGE,
KADAPA