{"id":215831,"date":"2019-06-18T13:30:13","date_gmt":"2019-06-18T08:00:13","guid":{"rendered":"https:\/\/www.scconline.com\/blog\/?p=215831"},"modified":"2019-06-27T17:22:15","modified_gmt":"2019-06-27T11:52:15","slug":"jhar-hc-person-authorized-to-drive-a-vehicle-by-its-owner-when-dies-covered-under-the-insurance-policy-on-same-terms-and-conditions-as-applicable-to-the-owner-of-the-vehicle","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2019\/06\/18\/jhar-hc-person-authorized-to-drive-a-vehicle-by-its-owner-when-dies-covered-under-the-insurance-policy-on-same-terms-and-conditions-as-applicable-to-the-owner-of-the-vehicle\/","title":{"rendered":"Jhar HC | Person authorized to drive a vehicle by its owner, when dies \u2013\u00a0 covered under insurance policy on same terms and conditions, as applicable to the owner of vehicle"},"content":{"rendered":"

Jharkhand High Court<\/strong>: Anubha Rawat Choudhary, J. allowed an appeal made by an insurance company regarding their extent of liability towards a deceased as mentioned in the insurance policy.<\/p>\n

An FIR was lodged by the owner of a vehicle wherein it was stated that a person (deceased) was authorized to drive his vehicle. In order to save a cow while driving, that person met with an accident and died. His legal representatives (the claimant) filed a claim application, but the insurance company denied its liability. Motor Accident Claims Tribunal (MACT) allowed the claimant\u2019s application under Section 166 of Motor Vehicles Act, 1988 and held the insurance company liable to pay compensation of Rs. 11 lakhs with 6 per cent interest. Hence, this appeal.<\/p>\n

Issue:<\/strong> Whether the deceased, who was authorized to drive the vehicle, by the owner of the vehicle, is covered under the insurance policy and if so, to what extent.<\/p>\n

Learned counsel Ashutosh Anand, on behalf of the appellant submitted that the Tribunal did not consider the fact that the deceased was driving the vehicle with the permission of the owner so, he won’t be considered a 3rd<\/sup> party as he stepped into the shoes of the owner and thus claimant would be entitled to compensation only after proving that there was no rash driving or negligence on the part of the deceased.<\/p>\n

Learned counsel\u00a0 K. K. Singh, on behalf of the respondent submitted that the point raised by the appellant were raised for the first time and not mentioned in its written statement. It was further contended that the appellant did not make any plea about their extent of liability before the Tribunal and referred to a judgment of Supreme Court Ramchandra v. Regional Manager, United India Insurance Company Ltd<\/em>., (2013) 12 SCC 84<\/a>, in which it was rightly held that the appellant was estopped from raising the plea for the first time at the appellant stage.<\/p>\n

The Court noted that there was no rash and negligent driving on the part of the deceased as per the police report. It was noted that the reason for the appellant\u2019s denial of its liability to pay compensation, was that the deceased was neither a 3rd<\/sup> party nor a paid driver of the insured owner. It was opined that the liability of the appellant under the policy would be governed by the terms and conditions of the insurance policy. The insurance policy did not cover the list of any gratuitous passenger and no additional premium for such coverage was paid by the insured against the policy.<\/p>\n

It relied on the judgment in United India Insurance Co. Ltd. v. Sidharat Raju<\/em>, 2014 SCC OnLine P&H 3117<\/a> where it was held that the deceased steps into the shoes of the owner of the vehicle, and therefore the claimant cannot be said to a third party for the purposes of awarding compensation under the Act. Further reliance was placed on National Insurance Company Ltd. v. Ashalata Bhowmik<\/em>, (2018) 9 SCC 801<\/a> where it was held that liability of an insurance company would be only to the extent of personal accident coverage under the contract of insurance.<\/p>\n

In view of the aforesaid decisions, it was held that the extent of liability of the appellant could only be 2 lakhs with 6 percent interest from the date of filing the petition till the payment is made.[TATA AIG General Insurance Co. Ltd. v. Shakuntala Ganeriwal, 2019 SCC OnLine Jhar 642<\/b><\/a>, decided on 25-04-2019]<\/p>\n","protected":false},"excerpt":{"rendered":"

Jharkhand High Court: Anubha Rawat Choudhary, J. allowed an appeal made by an insurance company regarding their extent of liability towards a <\/p>\n","protected":false},"author":8808,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3],"tags":[2728,36095,31265,11661,36094,36093],"class_list":["post-215831","post","type-post","status-publish","format-standard","hentry","category-casebriefs","tag-compensation","tag-contract-of-insurance","tag-insurance-policy","tag-motor-accident-claims-tribunal","tag-section-166-of-motor-vehicles-act","tag-section-166-of-motor-vehicles-act-1988"],"yoast_head":"\nJhar HC | Person authorized to drive a vehicle by its owner, when dies \u2013\u00a0 covered under insurance policy on same terms and conditions, as applicable to the owner of vehicle | SCC Times<\/title>\n<meta name=\"robots\" content=\"index, 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Contractual & Statutory liability cannot be equated: HC elaborates","author":"Bhumika Indulia","date":"September 8, 2020","format":false,"excerpt":"Madras High Court:\u00a0S.M. Subramaniam, J., while addressing a motor accident claim, observed that, Once, the policy is contractual in nature and the parties have signed the agreement, then such a contract cannot be construed or brought within the ambit of statutory liability. The Cholamandalam MS General Insurance Company Limited is\u2026","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":236808,"url":"https:\/\/www.scconline.com\/blog\/post\/2020\/10\/06\/bom-hc-diverges-from-madras-karnataka-hcs-view-on-whether-mact-has-jurisdiction-over-personal-accident-claims-or-not-read-the-proposition\/","url_meta":{"origin":215831,"position":3},"title":"Bom HC diverges from Madras & Karnataka HC’s view on whether MACT has jurisdiction over personal accident claims or not: Read the proposition","author":"Bhumika Indulia","date":"October 6, 2020","format":false,"excerpt":"Bombay High Court:\u00a0S.M. Modak, J., examined the jurisdiction of the Motor Accident Claims Tribunal in regard to claim made by the insured\/owner under a personal accident claim against the insurance company. Liability of Insurance Company The circumstance involved in the present appeal about the liability of the insurance company to\u2026","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2016\/09\/Bombay-HC.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2016\/09\/Bombay-HC.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2016\/09\/Bombay-HC.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2016\/09\/Bombay-HC.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2016\/09\/Bombay-HC.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":240321,"url":"https:\/\/www.scconline.com\/blog\/post\/2020\/12\/08\/chh-hc-impugned-order-absolving-the-liability-on-insurance-company-was-set-aside-due-to-erroneous-dismissal-of-application-under-order-8-rule-13-cpc-regarding-production-of-license\/","url_meta":{"origin":215831,"position":4},"title":"Chh HC | Impugned order absolving the liability on insurance company was set aside due to erroneous dismissal of application under Order 8 Rule 1(3) CPC regarding production of license","author":"Editor","date":"December 8, 2020","format":false,"excerpt":"Chhattisgarh High Court: A Division Bench of P.R. Ramchandra Menon and Parth Prateem Sahu JJ., set aside the impugned order and fastened the liability for compensation on the insurance company. The facts of the case are such that on 16-11-2008 at about 06:30 p.m. Respondent 1\/ claimant was travelling on\u2026","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":309686,"url":"https:\/\/www.scconline.com\/blog\/post\/2023\/12\/19\/insurance-company-acts-as-indemnifier-has-no-contractual-relationship-with-transferee-of-offending-vehicle-dhc-legal-news\/","url_meta":{"origin":215831,"position":5},"title":"Insurance Company acts as indemnifier and has no contractual\/other relationship with transferee of offending vehicle: Delhi High Court","author":"Simranjeet","date":"December 19, 2023","format":false,"excerpt":"\u201cThe registered owner cannot absolve himself of the liability by contending that he has transferred the offending vehicle to a third person prior to the date of the accident.\u201d","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"delhi high court","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/10\/delhi-high-court.webp?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/10\/delhi-high-court.webp?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/10\/delhi-high-court.webp?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/10\/delhi-high-court.webp?resize=700%2C400&ssl=1 2x"},"classes":[]}],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/215831","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/users\/8808"}],"replies":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/comments?post=215831"}],"version-history":[{"count":0,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/215831\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/media?parent=215831"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/categories?post=215831"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/tags?post=215831"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}