1
IN THE COURT OF THE MOTOR ACCIDENTS CLAIMS TRIBUNAL
BEFORE THE IV ADDITIONAL DISTRICT JUDGE, FTC, ANANTAPUR
Present: Sri P.Subramanya Kumar,B.Sc.,B.L.,
MACT-Cum-IV Additional District Judge
Wednesday, the 7 th day of August, 2013.
Original Petition No. 514/2010
Between:
Bugada Siva Sankar. …. Petitioner.
AND
1. J.Srinivasulu.
2. The Manager, Legal Cell,
Bajaj Allianz Insurance Co., Ltd., Hyderabad.
(Policy No. Cover Note No.BZ-0 801523998, Valid up 10.7.2010).
…..Respondents.
This petition coming on this day for final hearing before me in the presence of Sri P.Chenna Reddy, Advocate for the petitioner and of Sri
C.Surendra natha Reddy, Advocate for the second respondent and the first respondent has remained ex parte and on perusing the material papers on record and the matter having stood over for consideration, this tribunal delivered the following:
O R D E R
This is a claim petition filed by the petitioner U/s. 140 and 163 (a) of
Motor Vehicles Act, 1988 and R.455 of A.P. Motor Vehicle rules, 1989 seeking compensation from the respondents for a sum of Rs.3,50,000/-.
2.Originally the petitioner has claimed compensation of
Rs.1,50,000/- which he has got enhanced to Rs.3,50,000/- by filing an application in I.A.1025/2011 vide Order, dt.14.12.2011.
3.The material averments of the claim petition are as follows:
The petitioner Bugada Siva Sankar was aged about 24 years on the date of accident. He was getting Rs.250/- per day and all the family members are depending on his income.
On 8.4.2010 the petitioner along with his son and his Junior Paternal
Uncle going on a cycle from Jammalamadugu town towards Duttaluru village 2 and while proceeding at about 8.30 p.m when they reached near Municipality
Office, at that time the tractor and trailer bearing No.AP04-H-4268 and 4269 (herein after referred as Offending Vehicle) came behind in a rash and negligent manner and dashed against their cycle which resulted falling of the petitioner and his junior paternal uncle and the tyres of offending vehicle ran over on the right leg of petitioner by causing fracture and multiple simple injuries. They were shifted to Government Hospital, Jammalamadugu where the petitioner took treatment for few hours and then he was shifted to the
Government General Hospital, Anantapur and from there he was shifted to the
Government General Hospital, Kurnool where he was inpatient for 15 days and then he was shifted to Pavani Hospital, Anantapur and his right leg was operated and inserted steel rods and now he became disabled person and not able to do any work. He incurred Rs.50,000/- towards medical, transportation and other expenses. He lost his Beldar work. The accident is occurred due to the rash and negligent driving of the driver of the offending vehicle. The case is registered by the Jammalamadugur Police station in Cr.No.65/2010
U/sec.337 and 338 of I.P.C against the driver of the tractor. The Ist respondent is the owner of the offending vehicle and second respondent is the insurer of the same as such both of them are liable to pay the compensation.
4.The Ist respondent has remained as exparte.
5.The material averments of written statement filed on behalf of the second respondent are as follows:
The petition averments are denied in toto. The person driving the vehicle has no relation in force as on the date of accident to drive the vehicle.
The driver of the offending vehicle Syed Basha was not holding valid effective driving licence at the time of the accident and as such the second respondent is not liable to pay compensation. As per the information of this respondent, the petitioner and his junior Paternal Uncle son were going in the cycle in the middle of the road and they themselves contributed the negligence, as such the respondent is not liable to pay the compensation.
3
6.The material averments of the additional counter filed on behalf of the second respondent are as follows:
There was no contract of Insurance between the Ist respondent
J.Sreenivasulu and the 2nd respondent to cover the risk of the offending. The second respondent/company have issued the cover Note bearing
No.BZ0801523998 to Tapan of West Bengal to cover the risk of the vehicle,
Bajaj Discover Motor cycle bearing No.WB 64 B 6048, but not to the offending vehicle Tractor and Trailer. This respondent has never insured the offending vehicle and there is no contact of motor insurance with the Ist respondent. As such this respondent is not liable to indemnify the first respondent.
7.The Second Additional counter filed on behalf of the second respondent are as follows:
The physically handicapped issued by the Government General Hospital showing 40% disability is excessive and it creates for the purpose of the petitioner. The claim of the petitioner at Rs.3,50,000/- is excessive.
8.Basing on the pleadings of both parties, the following issues are settled for trial:-
1. Whether the accident occurred on 8.4.2010 at about 8.30
p.m due to rash and negligent driving of Tractor and Trailer bearing
No.AP02-H-4268 and 4269 by its driver and caused the accident and
caused the injuries to the petitioner?
2. Whether the petitioner is entitled to any compensation? and if so, to what amount and from which respondent? And
3. To what relief?
9. In the present petition, the petitioner has examined himself as
P.W.1 and in support of his contention P.Ws.2 and 3 are examined and Exs.A.1 to A.9 documents are marked. On behalf of the 2nd respondent, R.W.1 and
R.W.2 are examined by marking Exs.B.1 to B.7.
4
10.Issue No.1::-
The petitioner himself examined as P.W.1 substantiating the petition averments in his chief affidavit filed in lieu of chief examination. The petitioner has got marked Exs.A.1 to A.9. Ex.A.1 is the attested copy of F.I.R.
Ex.A.3 is the attested copy of charge sheet which prima facie establishes the occurrence of the accident in dispute as pleaded by the petitioner. On behalf of the second respondent R.W.1 is examined who is Senior Executive-Legal of its company. It is disclosed by R.W.1 that he is deposing as per his office records. The petitioner by filing the documents under Ex.A1 and Ex.A3 prima facie established about the occurrence of the accident which is in dispute as contended by him. The correctness of the document has not been disputed by the contesting respondent No.2 while P.W.1 is in the witness box. Hence, the accident in dispute is occurred due to the rash and negligent driving of the driver of the offending vehicle. Accordingly issue No.1 is answered in favour of the petitioner.
11.Issue No.2::-
It is claimed by the petitioner that on the date of accident, he was aged 24 years and working as a Mason and thereby earning an amount of Rs.250/- per day. It is admitted by P.W.1 that he has not filed any record to show that his age is 24 years on the date of the accident and his income as Rs.250/- per day and that he is working as Mason. In the absence of any record to the above effect, it cannot be believed that the petitioner was earning Rs.250/- per day before the accident and he is aged about 24 years as claimed in the petition. Admittedly, the petitioner is a pillion rider in the motor cycle driven by his uncle son. The petitioner was treated in the Government General
Hospital, Kurnool for two weeks and subsequently he has taken treatment in a private hospital, Anantapur where he was operated.
12.The petitioner has filed Ex.A.2 wound certificate and Ex.A.4 bunch of medical bills for Rs.1,129/-, Ex.A.5 is X-ray films (7), Ex.A.6 is the original physically disabled certificate and Ex.A.7 is the bunch of medical prescriptions, 5 Ex.A.8 is discharge summary of Pavani Hospital, Anantapur and Ex.A.9 is the attested copy of cover note of offending vehicle. The petitioner apart from himself has also examined P.W.2 the Professor of Orthopedics in Government
Medical College, Anantapur who is one of the members of Medical Board and
P.W.3 who is also Assistant Professor in Government General Hospital,
Anantapur who operated the fractures suffered by the petitioner in the accident under Arogya Sree Scheme as per Ex.A.8 discharge summary of
Pavani Hospital.
13.As per Ex.A.2 wound certificate issued by Community Health
Center of Jammalamadugu, Kurnool District revealed that the petitioner has suffered deformity of right thigh and from where he was referred to
Government General Hospital, Kurnool.
14.The petitioner has examined P.W.3 the Assistant Professor of
Government General Hospital, Anantapur who is consultant of Pavani Hospital,
Anantapur has disclosed that he has examined P.W.1 on 26.4.2010 and found the following injury: Fracture femur at proximal middle third junction of right. He has disclosed that the fracture was operated under Arogya Sree
Scheme and the fracture is stabilized with interlocking nail. It is also disclosed by him that P.W.1 was admitted in Pavani Hospital on 26.4.2010 and discharged on 17.5.2010 as per the Ex.A.8 discharge summary. The operated injury is grievous injury. It is further disclosed by P.W.3 that in Arogya Sree
Scheme medicines will be given on free of costs for a period of one month. It has been elicited from P.W.3 by the learned counsel for the respondent/company under Arogya Sree Scheme operation will be done free of costs and medicines will be provided for period of one month after discharge.
P.W.3 has also disclosed that the fracture of femur united and at the time of discharge patient's general condition was good. Thus, the evidence of PW.3 reveals that the petitioner has taken treatment in Pavani Hospital under
Arogya Sree Scheme including getting operated to his fracture femur which is 6 free of costs with medicines provided by the hospital for a period of one month.
15.The petitioner though filed bunch of medical bills under Ex.A.4, but for the reasons best known to him, he has not examined the author of the bills nor substantiated through P.W.3 about the said bills and as such the bill amount mentioned under Ex.A.4 to a tune of Rs.1129/-, the petitioner is not entitled.
16.The petitioner has also examined the Professor in Orthopedics in
Government Medical College, Anantapur who examined the petitioner and issued physically handicapped certificate under Ex.A.6. It is disclosed by
P.W.2 that the petitioner had post traumatic sequalae of right lower limb due to R.T.A on 8.4.2010 and as per the wound certificate issued by Government
Community Health Center, Jammalamadugu and he was treated for segmental fracture upper third and middle third right femur at Pavani Hospital, Anantapur by interlocking nailing as per the discharge summary provided. It is further disclosed by P.W.2 that X-rays were taken, implants were inserted. He has also disclosed that united fracture femur segmental upper third and middle third were present with angulation at upper third and shortening 1 1/2 c.m.
He has further disclosed that wasting of thigh muscles and weakness present and the petitioner has difficulty in squatting, sitting cross leg, long standing, long and fast walking and he needs implants removal. P.W.2 has deposed that disability of the petitioner was assessed as 40% permanent in nature and he has issued disability certificate. In the cross-examination, he has been elicited from the learned counsel for the second respondent that the petitioner was ot treated by P.W.2. It is further elicited from him that the fractures sustained by the petitioner are united. The disability is only to the right lower limb, but he has not assessed the disability to the whole body and they have assessed only the functional disability.
17.In view of the evidence of petitioner and as per the evidence of
P.W.3 he has undergone surgery for one grievous injury sustained by him for 7 which he is entitled a sum of Rs.14,000/-. The petitioner is also entitled for a sum of Rs.10,000/- towards extra nourishment and pain and sufferance. He is entitled for that as the petitioner has taken treatment under Arogya Sree
Scheme under free treatment, he would have incurred some medical expenses which he could not have filed apart from Ex.A.4, bunch of medical bills in the ends of justice and a sum of Rs.6,000/- has been given to the petitioner for medicines.
18.As per the evidence of P.W.2 the petitioner suffered 40% disability to his light limb, for which he is entitled for a sum of Rs.40,000/-. Thus in total, the petitioner is entitled for compensation of Rs.70,000/- from the respondents. Accordingly, the Issue No.2 is partly answered in favour of the petitioner.
19. Though there is no issue in respect of cover note copy of the offending vehicle to show that on the date of the accident, the offending
Vehicle was issued to the second respondent, it is the duty of the Tribunal to give a finding on this aspect, as the second respondent has raised the same.
The second respondent has been contending that the offending vehicle was not insured on the date of the accident and as such the second respondent is not liable to pay compensation.
20.The learned counsel for the second respondent company has contended that the cover note bearing No.BZ 0801523998 to Mr Tapan S/o
Bimal Kumar Maitra, West Bengal to cover the risk of vehicle Bajaj Discover
Motor cycle bearing No.WB 64 B 6048 bearing Chasis No.MD2DSDVZZMJK 23527 and Engine No.DXEBMK 24086 but not to Tractor and Trailer bearing
No.AP.04.H.4268 and 4269. It is further argued by him that the Original cover note copy and Motor vehicle Insurance Certificate Cum Policy schedule of the above mentioned Motor cycle was marked on behalf of second respondent
Insurance company, which establishes that the second respondent/Insurance company had never insured the offending vehicle and there is no contract of 8 Motor Insurance with the first respondent's offending vehicle and as such the second respondent is not liable to pay compensation.
21.The learned counsel for the second respondent has further argued that on receipt of the above said claim of the second respondent/Insurance
Company has issued notice to the first respondent to submit the original cover note and policy copy of the offending vehicle in possession of him or it shall be deemed that he is one of the conspirators in making the fake cover note copies of this Insurance Company. It is further argued by him that the office copy of the letter sent to the respondent No.1, dt.21.12.2012 was marked under Ex.P.4 on behalf of the second respondent company. Inspite of receiving the said letter, the first respondent has not produced the original copy of insurance and as such he requested to pass adverse inference against the first respondent for not producing the policy issued by the second respondent to the offending vehicle.
22.The learned counsel for the second respondent has further argued that the second respondent company has got issued a registered notice to the
Superintendent of Police, Kadapa, dt.7.7.2012 and S.H.O of Jammalamadugu, dt.7.7.2012 registered the complaint on the culprits who have fabricated the cover note No.BZ0801523998 and the office copy of the same were marked as
Ex.B.5 and Ex.B.6.
23.The learned counsel for the second respondent has further argued that the cover note is consisting 10 cover note leaves and with same book number which is mentioned below every cover note further there are four copies to one cover note the first leaf of cover note is issued to insured who takes policy which is called as Insured copy, second leaf is called as office copy, third leaf is called as agent copy when cover note is issued by agents and fourth copy if Book copy. The cover notebook and cover note copies issued to various persons from the same book is marked as Ex.B.7.
24.The learned counsel for the second respondent has further argued that as there was no policy as on the date of the alleged accident and the 9 claim petition is bad for mis-joinder of second respondent and requested to dismiss the petition with exemplary costs.
25.On the other hand, the learned counsel for the petitioner has argued that by pointing out the evidence of P.W.1 in which P.W.1 has filed
Ex.A.9 attested cover note copy of the offending vehicle, which was given to him by Jammalamadugu P.S of Kadapa District and Ex.A.9 is marked subject to objection by respondent No.2. In the cross-examination of P.W.1, the learned counsel for the second respondent has elicited that on his oral request Ex.A.9 was supplied to him by the police and to that effect there is no record. It is further disclosed by P.W.1 that he does not remember the name of the owner of the offending vehicle. He denied a suggestion put to him that Ex.A.9 is created in order to claim mentioned in the petition. It is further denied by him that Ex.A.9 does not pertain to cover note relating to the offending vehicle and that it relates to some other vehicle and as such R.2 is alone liable to indemnify R.1 in paying compensation amount and that R.2 had not issued
Ex.A.9 cover note at all.
26.While R.W.1 Senior Executive while he was in the witness box relied on the photo stat copy relating to cover note shown to him stating that it relates to offending vehicle for which R.W.1 has disclosed that it cannot be compared by him with Ex.B.1. It is admitted by R.W.1 that the cover note number mentioned in the claim petition and the number mentioned in Ex.B.1 are one and the same. He denied the suggestion put to him that they have given a cover note number to respondent No.1 as per claim petition and that in order to escape from the liability from paying compensation amount, he is deposing falsely. But he has admitted that the cover note only in English
Language. It is admitted by R.W.1 that Ex.B.1 cover note bearing
No.BZ0801523998 does not depict the words cover note. It is further admitted by R.W.1 that the period of insurance commences from the date of cover note written on it and the period of insurance would not commence
before the date of cover note and that they will never issue such type of cover
10 notes. It is disclosed by him that Ex.B.1 covers the period from 26.2.2009 to 25.2.2010 and Ex.B.1 was issued on 25.2.2009. It is further admitted by him that Ex.B.1 reveals the branch office seal with date 3.3.2009 with signature of official and with the word accepted by the concerned office on the same date 3.3.2009. R.W.1 has admitted that they have not mentioned about Ex.B.1 in their counter as well as additional counter. He has pleaded ignorance that two wheeler cover notes and four wheeler cover notes including three wheeler cover notes of government forms are identical or not. He denied the suggestion put to him by the learned counsel for the petitioners that the cover note in the original petition and the same number have issued fraudulently to the another vehicle. R.W.2 who is office in charge of Bajaj Allianz, G.I.C Ltd.,
Kurnool has disclosed that Ex.B.7 cover note book of R.2 company bears his signature. He admitted that Ex.B.7 does not contain the particulars of issuing authority with its seal and signature and to whom the said cover note book alloted. He has further added that the same would be registered on line. He has further disclosed that the last page of Ex.B.7 is not filled up as it is not mandatory and it is for the agent or dealer to fill up the same. He has further disclosed that Ex.B.7 carbon copy forms does not disclose the signatures. He has disclosed that Ex.B.7 received from Sillguri branch office, West Bengal by their official mail. He has further disclosed that he has not filed e-mail copy relating to Ex.B.7. It is disclosed by him that Ex.B.7 relating to two wheeler vehicle. The cover note attested copy shown to him was not issued by their company. A suggestion has been put to R.W.2 that the above cover note shown to him issued by their company and that in order to escape from the liability he is deposing falsely and he has denied the same. After the evidence of R.W.2 the claim petitioner himself recalled and marked the attested copy of cover note under Ex.A.9 in respect of the offending vehicle which has said to be given to him by Jammalamadugu P.S of Kadapa District. In the cross- examination, it is disclosed by P.W.1 that on his oral request Ex.A.9 was supplied to him by the police. P.W.1 has pleaded ignorance in respect of the 11 name of the owner and the driver of the offending vehicle. He denied the suggestion put to him by the learned counsel for the second respondent that the second respondent/Insurance company has not insured the offending vehicle at all and that himself and owner of it created Ex.A.9 in order to claim mentioned in the petition. He has also denied another suggestion put to him that Ex.A.9 does not relating to cover note of offending vehicle and it is relating to some other vehicle and that R.2 is not liable to indemnify R.1 in paying compensation amount and Ex.A.9 cover note is not issued at all, which he has not denied at all. The perusal of Ex.A.9 reveals the registration number of the offending vehicle including year manipulating of it. It is mentioned under Ex.A.9 that it has motor vehicle cover note. Ex.B.7 filed by the second respondent is only a carbon copy and it does not contain the particulars of issuing authority with a seal and signature and it does not reveal fill up of last page and Ex.B.7 also does not disclose the signature in carbon copy form. It is stated by R.W.1 as disclosed supra that second respondent allegedly receive
Ex.B.7 from Silliguri Branch Office, West Bengal. For the reasons best known to the second respondent that Ex.B.7 copy is not filed with report. Thus, in view of Ex.B.7 does not depict the signature and seal of the company. As such no much credence given on Ex.B.7. On the other hand, Ex.A.9 filed by the petitioner reveals the name of the second respondent/company the date of issuing the same including registration number of the vehicle and as such the second respondent has been given Ex.A.9, still I am of the opinion that Ex.A.9 attested cover note copy of the offending vehicle has been insured with the second respondent. If really no cover note was issued by the second respondent/company nothing has been precluded. As such by taking any such plea in the counter filed originally or in the additional counter filed subsequently by the second respondent/company. Thus, by considering all the above circumstances also, it probablise that Ex.A.9 was issued by second respondent/Insurance Company, as such it has not taken a plea about the said company is not showing the cover note as pleaded by the petitioner. As per 12 Ex.A.9 premium was paid to the second respondent company and Ex.B.7 is introduced in order to avoid to pay compensation to the petitioner. The learned counsel for the petitioner by relying the judgment decided between
Retu and others Vs Dharmveer and others reported in 2012 ACJ 579.
Where under the Hon'ble Madhya Pradesh, Indore Bench held that "when no
evidence or ledger or any other document produced to prove that
cover note is forged or fabricated and Insurance company is liable to
pay compensation." The claim petition under consideration except Ex.B.7 to negative the contention of the petitioner that Ex.A.9 was not issued by its company, the second respondent has not summoned any other document to prove that cover note has produced by the claim petitioner is fabricated one.
In the absence of it as per Ex.A.9, the second respondent has to indemnify the first respondent in paying the compensation to the second respondent.
27.For the reasons discussed supra I hold that the claim petitioner is entitled for a sum of Rs.70,000/- from the respondent. Accordingly, the Issue
No.2 is answered partly infavour of the petitioner.
28.Issue No.3: In view of my observations on issue No.2 the claim petition has to be allowed partly with proportionate costs.
In the result, the claim petition is partly allowed for Rs.70,000/- with proportionate costs against the respondents 1 and 2 jointly and severally together with interest at 7.5% p.a., from the date of the petition till the date of respondent’s depositing the award amount to the credit of O.P. The respondents are instructed to deposit the awarded amount within three months from today to the credit of O.P. On such deposit made by the respondents, the petitioner has been permitted to withdraw a sum of
Rs.20,000/- at once and the rest of the awarded amount with costs shall be kept in F.D.R of any Nationalized bank for a period of two years. Advocate fee is fixed at Rs.2,000/-.
Dictated to the Personal Assistant, transcribed by her, corrected and
Pronounced by me in open Court this the 7th day of August, 2013.
Chairman, MACT-Cum IV Addl. District Judge,(FTC) Anantapur.
13
Appendix of evidence Witnesses examined for
Petitioner Respondents.
P.W.1: B.Siva Sankar. R.W.1: S.Anthervedi.
P.W.2: Dr B.Jayachandra Reddy. R.W.2: N.Satyamohan Reddy.
P.W.3: Dr K.Sathish.
Exhibits marked on behalf of the petitioners.
Ex.A.1 : Attested copy of the F.I.R.
Ex.A.2: Attested copy of Wound certificate.
Ex.A.3: Attested copy of Charge sheet.
Ex.A.4: Bunch of Medical Bills for Rs.1129/-
Ex.A.5: X-ray films (7)
Ex.A.6: Original physically disabled certificate.
Ex.A.7: Bunch of medical prescriptions.
Ex.A.8: Discharge summary.
Ex.A.9: Attested copy of cover note.
Exhibits marked on behalf of Respondents
Ex.B.1: Copy of cover note bearing No.BZ0801523998 issued to Motor cycle bearing No.WB 64 B 6048.
Ex.B.2: Motor Insurance policy issued on cover note.
Ex.B.3: Office copy of the notice to R.1.
Ex.B.4: Served Acknowledgment.
Ex.B.5: Office copy of the notice issued to Superintendent of Police. Kadapa along with postal receipt.
Ex.B.6:Office copy of the notice issued to SHO, Jammalamadugu, Kadapa.
Ex.B.7: Cover note book of R.2 company.
MACT-IV.A.D.J.
Anantapur.