{"id":348158,"date":"2025-05-17T15:30:26","date_gmt":"2025-05-17T10:00:26","guid":{"rendered":"https:\/\/www.scconline.com\/blog\/?p=348158"},"modified":"2025-05-19T18:15:18","modified_gmt":"2025-05-19T12:45:18","slug":"providing-wrong-insurance-policy-doesnt-rule-out-insurance-companys-liability-jharkhand-hc","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2025\/05\/17\/providing-wrong-insurance-policy-doesnt-rule-out-insurance-companys-liability-jharkhand-hc\/","title":{"rendered":"\u2018Merely providing wrong policy number doesn\u2019t rule out insurance company\u2019s liability\u2019; Jharkhand HC refuses relief to Reliance Insurance for carpenter\u2019s death"},"content":{"rendered":"<div style=\"text-align: justify; line-height: 150%;\">\n<p style=\"margin-bottom: 3%;\"><span style=\"font-weight: bold;\">Jharkhand High Court:<\/span> In an appeal filed by Reliance General Insurance Company Limited (&#8216;Reliance&#8217;) against compensation of Rs. 20.49 Lakhs awarded to family of a deceased carpenter by the Motor Vehicle Accident Claim Tribunal (&#8216;the Tribunal&#8217;), a Single Judge Bench of Sanjay Kumar Dwivedi, J., dismissed the appeal, holding that a wrong policy number by the claimants could not rule out the liability of the insurance company.<\/p>\n<h3>Background<\/h3>\n<p style=\"margin-bottom: 3%;\">In 2010, when the deceased, husband and father of the claimants, was proceeding towards the market for purchasing household goods, he met with an accident due to the rash and negligent driving of the accused. It was contended that the deceased was a carpenter who used to earn Rs. 9,000\/- per month and the sole earning member of his family.<\/p>\n<p style=\"margin-bottom: 3%;\">Accordingly, a case was filed against the accused under Sections <a href=\"https:\/\/www.scconline.com\/DocumentLink.aspx?q=JTXT-0001561577\" target=\"_blank\">279<\/a>, <a href=\"https:\/\/www.scconline.com\/DocumentLink.aspx?q=JTXT-0001561649\" target=\"_blank\">337<\/a>, and <a href=\"https:\/\/www.scconline.com\/DocumentLink.aspx?q=JTXT-0001561650\" target=\"_blank\">338<\/a> of the <a href=\"https:\/\/www.scconline.com\/DocumentLink.aspx?q=JTXT-0002726960\" target=\"_blank\">Penal Code, 1860<\/a> (&#8216;IPC&#8217;). Vide the impugned order, the Tribunal awarded compensation of Rs. 20.49 Lakhs in favour of the claimants.<\/p>\n<p style=\"margin-bottom: 3%;\">Aggrieved, Reliance filed the present appeal contending that the correct policy was not produced before the Tribunal, and in spite of that, the compensation was awarded. Thus, liability could not be fastened upon Reliance, and the owner of the vehicle was liable to pay the amount.<\/p>\n<h3>Analysis<\/h3>\n<p style=\"margin-bottom: 3%;\">At the outset, the Court held that merely the claimants providing a wrong policy number could not rule out the liability of the insurance company, as the claimants are not supposed to know the exact policy number and they have gathered the same somehow and produced it before the Tribunal.<\/p>\n<p style=\"margin-bottom: 3%;\">The Court further noted that in paragraph 20 of the impugned judgment, the Tribunal observed that the insurance company did not produce any evidence to establish that the accident took place due to rash and negligent driving by the driver of the offending vehicle. The fact remained that the accident took place, and the death occurred; accordingly, the charge sheet was submitted.<\/p>\n<p style=\"margin-bottom: 3%;\">Regarding the absence of a post-mortem procedure, the Court stated that the post-mortem not being conducted was not the fault of the claimants; it was the job of the police administration to conduct the post-mortem. In this regard, the Court placed reliance on <span style=\"font-style: italic;\">Raghunandan Prasad<\/span> v. Vijay <span style=\"font-style: italic;\">Chaubey<\/span>, <a href=\"http:\/\/www.scconline.com\/DocumentLink\/k4qbfpK6\" target=\"_blank\">2002 SCC OnLine Jhar 115<\/a>.<\/p>\n<p style=\"margin-bottom: 3%;\">Rejecting the contention that the charge sheet was not submitted under relevant sections, the Court held that merely because the relevant sections were not mentioned in the charge sheet, it did not mean that the accident did not take place. The Court stated that the oral evidence of the witnesses was consistent on the point of the accident and the earnings of the deceased.<\/p>\n<p style=\"margin-bottom: 3%;\">Accordingly, the Court held that the grounds taken by Reliance had to be proved, but it failed to do so, thus, the Tribunal has rightly passed the judgment and award.<\/p>\n<p style=\"margin-bottom: 3%;\">So far as the multiplier was concerned, the Court found that the age of the deceased was 34 years at the time of the accident, and while placing reliance on <span style=\"font-style: italic;\">Sarla Verma<\/span> v. <span style=\"font-style: italic;\">DTC<\/span>, <a href=\"http:\/\/www.scconline.com\/DocumentLink\/Fw1n751r\" target=\"_blank\">(2009) 6 SCC 121<\/a>, held that the multiplication was required to be of 16 instead of 17. The Court modified the award accordingly and upheld the impugned judgment. The Court also directed that the statutory amount deposited by Reliance shall be transmitted to the Tribunal, which would be utilised to satisfy the award in favour of the claimants.<\/p>\n<p style=\"margin-bottom: 3%;\">Accordingly, the appeal was dismissed.<\/p>\n<p style=\"margin-bottom: 3%;\">[<span style=\"font-weight: bold; color: #632423;\">Reliance General Insurance Company Limited v. Lilmuni Madaiyan, <a href=\"http:\/\/www.scconline.com\/DocumentLink\/gf7tplAm\" target=\"_blank\" rel=\"noopener\">2025 SCC OnLine Jhar 1897<\/a>, decided on 16-04-2025<\/span>]<\/p>\n<hr\/>\n<p>Advocates who appeared in this case:<\/p>\n<p style=\"margin-left: 18pt;\"><span style=\"font-weight: bold;\">For the petitioner:<\/span> Sahay Gaurav Piyush<\/p>\n<p style=\"margin-left: 18pt;\"><span style=\"font-weight: bold;\">For the respondent:<\/span> Kaushik Sarkhel<\/p>\n<h3 style=\"color: #000080;\">Buy Penal Code, 1860 &nbsp; <a href=\"https:\/\/www.ebcwebstore.com\/product_info.php?products_id=1158\" target=\"_blank\">HERE<\/a><\/h3>\n<p style=\"margin-bottom: 3%;\"><a href=\"https:\/\/www.ebcwebstore.com\/product_info.php?products_id=1158\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/06\/penal-code-1860-300x200.jpg\" alt=\"penal code, 1860\" width=\"300\" height=\"200\" class=\"aligncenter size-large wp-image-294601\" srcset=\"https:\/\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/06\/penal-code-1860-300x200.jpg 300w, https:\/\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/06\/penal-code-1860-768x511.jpg 768w, https:\/\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/06\/penal-code-1860-440x293.jpg 440w, https:\/\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/06\/penal-code-1860-650x433.jpg 650w, https:\/\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/06\/penal-code-1860.jpg 886w, https:\/\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/06\/penal-code-1860-60x40.jpg 60w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p style=\"font-style: italic;\">&#8220;The claimants are not supposed to know the exact policy number, and they have gathered it from somewhere and produced it before the Motor Vehicle Accident Claim Tribunal.&#8221;<\/p>\n","protected":false},"author":67011,"featured_media":333852,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3,10],"tags":[82177,5791,30951,37847,82174,82176,47050,82175],"class_list":["post-348158","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-casebriefs","category-highcourts","tag-insurance-company-liability","tag-jharkhand-high-court","tag-mact","tag-motor-accident","tag-reliance-general-insurance-company-limited","tag-reliance-insurance","tag-third-party-insurance","tag-wrong-insurance-policy-number"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.4 (Yoast SEO v26.4) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Providing wrong insurance policy doesn&#039;t rule out insurance company&#039;s liability Jharkhand HC | SCC Times<\/title>\n<meta name=\"description\" content=\"Jharkhand HC refused relief to Reliance Insurance for carpenter&#039;s death; 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An FIR was lodged by the owner of a vehicle wherein it was stated that a person (deceased) was authorized to\u2026","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":216689,"url":"https:\/\/www.scconline.com\/blog\/post\/2019\/07\/10\/hp-hc-insurer-shall-not-be-exonerated-from-payment-of-compensation-in-case-of-vehicle-not-bearing-permanent-registration-certificate\/","url_meta":{"origin":348158,"position":1},"title":"HP HC | Insurer shall not be exonerated from payment of compensation in case of vehicle not bearing permanent registration certificate","author":"Bhumika Indulia","date":"July 10, 2019","format":false,"excerpt":"Himachal Pradesh High Court: Jyotsna Rewal Dua, J., partly allowed an appeal and declared that insurance company does not have the right to absolve itself from payment of compensation in absence of valid registration number. In the present case, due to rash and negligent driving of respondent, an individual named\u2026","rel":"","context":"In &quot;Case Briefs&quot;","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\/2019\/11\/Himachal-HC_1.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2019\/11\/Himachal-HC_1.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2019\/11\/Himachal-HC_1.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2019\/11\/Himachal-HC_1.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2019\/11\/Himachal-HC_1.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":216691,"url":"https:\/\/www.scconline.com\/blog\/post\/2019\/07\/10\/raj-hc-insurer-directed-to-first-compensate-the-claimants-and-thereafter-recover-the-same-from-the-insured-party\/","url_meta":{"origin":348158,"position":2},"title":"Raj HC | Insurer directed to first compensate the claimants and thereafter recover the same from the insured party","author":"Bhumika Indulia","date":"July 10, 2019","format":false,"excerpt":"Rajasthan High Court: P.K. Lohra J., in an appeal under Section 173 of the Motor Vehicles Act, 1988 upheld the decision of the impugned judgment and directed the insurer to first pay the compensation amount to the claimants and then recover from the insured. In the present case, the appellants\u2026","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":353399,"url":"https:\/\/www.scconline.com\/blog\/post\/2025\/07\/15\/sik-hc-deceased-workeman-compensation-for-son-motor-accident-death\/","url_meta":{"origin":348158,"position":3},"title":"\u2018Deceased a workman, not gratuitous passenger\u2019; Sikkim HC awards Rs 21.89 lakh compensation to parents for son\u2019s accidental death","author":"Editor","date":"July 15, 2025","format":false,"excerpt":"\u201cThe deceased was a gratuitous passenger based on hearsay knowledge from persons who did not enter the witness box, but, on a preponderance of probabilities, the evidence on record clearly suggest that the deceased was a workman working with the owner.\u201d","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"compensation for son\u2019s motor accident death","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/07\/compensation-for-sons-motor-accident-death.webp?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/07\/compensation-for-sons-motor-accident-death.webp?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/07\/compensation-for-sons-motor-accident-death.webp?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/07\/compensation-for-sons-motor-accident-death.webp?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":287185,"url":"https:\/\/www.scconline.com\/blog\/post\/2023\/03\/18\/insurance-company-liable-satisfy-award-death-bodily-injuries-of-unauthorised-passenger-jammu-and-kashmir-and-ladakh-high-court-legal-news-updates\/","url_meta":{"origin":348158,"position":4},"title":"Motor Accidents Claim| Can Insurance claim be recovered in case of death\/bodily injuries of unauthorised passengers? J&amp;K and Ladakh High Court answers","author":"Sucheta","date":"March 18, 2023","format":false,"excerpt":"While deliberating over several appeals, the Jammu and Kashmir and Ladakh High Court decided the questions of liability and \u2018pay and recover\u2019 in favour of the appellant Insurance Company","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"Jammu and Kashmir and Ladakh High Court","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/03\/MicrosoftTeams-image-742.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/03\/MicrosoftTeams-image-742.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/03\/MicrosoftTeams-image-742.png?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/03\/MicrosoftTeams-image-742.png?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":220904,"url":"https:\/\/www.scconline.com\/blog\/post\/2019\/10\/16\/ph-hc-%e2%94%82claimants-in-proceedings-under-mv-act-have-to-prove-their-case-on-the-touchstone-of-preponderance-of-probabilities-and-not-beyond-reasonable-doubt\/","url_meta":{"origin":348158,"position":5},"title":"P&#038;H HC | Claimants in proceedings under MV Act have to prove their case on the touchstone of preponderance of probabilities and not beyond reasonable doubt","author":"Bhumika Indulia","date":"October 16, 2019","format":false,"excerpt":"Punjab and Haryana High Court: Lisa Gill, J. dismissed the appeal filed by insurance company challenging the amount of compensation granted by the Motor Accidents Claim Tribunal (\u2018MACT\u2019). In the present case, one Dalip Singh and Aslam (deceased), met with a motor vehicle accident which led to their fatal death.\u2026","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/348158","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\/67011"}],"replies":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/comments?post=348158"}],"version-history":[{"count":0,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/348158\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/media\/333852"}],"wp:attachment":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/media?parent=348158"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/categories?post=348158"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/tags?post=348158"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}