Accident’ Includes Sudden Slipping, Involvement Of Another Vehicle Not Necessary For Claiming Compensation

1. This appeal is preferred by the appellants /claimants against the

dismissal of the claim petition.

 2. It is contention of learned counsel for the appellants that the

deceased was travelling on bike with her husband and children. While

proceeding on bike, her saree got entangled in the chain of the motorcycle,

due to which the motorcycle slipped on the road, and the deceased along

with her husband and children fell on ground. The deceased sustained

serious injuries and died while taking treatment. The offence was

registered against the husband of the deceased. Learned counsel further

submitted that the deceased died while travelling on bike. It was

accidental death, but the Tribunal has not considered this fact and has

dismissed the claim petition on the ground that there was no accident of

the vehicle and accident occurred due to sole negligence of the husband of

the deceased, which is erroneous. Learned counsel further submitted that

the deceased was doing milk business and earning Rs.4,000/- p.m. from

the said business but the Tribunal has not awarded compensation. Hence

requested to allow the appeal.

3. It is contention of learned counsel for the respondent

No.2/Insurance Company that four persons were travelling on the bike,

which was not permitted. The saree of the deceased got entangled in the

wheel of the bike, due to which bike slipped on road, the deceased

sustained injuries and died. So, it cannot be considered as an accident as

there was no involvement of the other vehicle in the said act. There was breach of terms and conditions of insurance policy as four persons were riding on the said bike. The Tribunal has passed well reasoned order, no interference is required in it. Hence requested to dismiss the appeal.

4. I have heard both the learned counsel, perused Judgment and order

passed by the Motor Accident Claims Tribunal, Kolhapur (for short “the

Tribunal”). It is claimants’ case that on 03.08.2011 at about 4:30 p.m., the

deceased along with her husband Ramchandra Patil was proceeding

towards Waghapur from Chafodi on motorcycle bearing No. MH-09/BJ434. Her husband was riding the motorcycle, whereas the deceased was a

pillion rider and their two minor sons were travelling with them on bike.

While they were proceeding on the road, due to the fast flow of wind, the

saree of the deceased got entangled in wheel of bike causing all of them to

fall along with the motorcycle. In the said accident, the deceased suffered

injury to her head. She was shifted to the hospital, but declared dead.

5. To prove income of the deceased, the claimant No.3- Smt. Akkatai

Patil, mother in law of the deceased has examined herself. She has stated

that the deceased was doing milk business and she was supplying milk to

Shri. Mahadeo Sahakari Dughadh Yavsaik Sanstha, Mandare and was

getting Rs.4,000/- per month. Nothing elicited in cross examination of this

witness. The claimants have examined PW-2 Krushnat Chavan, Secretary of

Mahadeo Sahakari Dughadh Yavsaik Sanstha, Mandare at Exhibit-40. He stated that the deceased was a member of their Doodh Sansthan, she used to supply milk to Sansthan and she was getting Rs.3,700/- to Rs.3,800/- per month. The milk supply bills are produced at Exhibit-41. In my view, it has been proved that the deceased was supplying milk to milk dairy, considering this fact, I am considering Rs.2,000/- as monthly income of the deceased.

While dealing with the issue of negligence, the Tribunal has observed that the police papers produced on record shows that on the fateful day, the fag end of the saree of the deceased got entangled in the rear wheel of the said motorcycle. As a result, the rear wheel got jam, causing said motorcycle to skid. At the relevant time, there were in all four occupants on the said motorcycle. The Tribunal has held that the claimants have not proved rash and negligent driving of the husband of the deceased. There is no question to grant any compensation on that ground, the Tribunal has dismissed the claim petition. I am unable to understand the observations of the Tribunal.

Admittedly at the time of accident, the bike was insured with the Insurance company and the insurance of pillion rider was covered in the said insurance policy. The term accident is not defined in the Motor Vehicles Act. As per the Lexis Nexis, “Accident” means, ‘a sudden unforeseen or unexpected event causing harm to a person. In my view, accident includes, collision, over turning or slipping. It is not necessary to have involvement of other vehicle to cause an accident like in present case. Admittedly, the deceased was going on motorcycle and her saree got entangled in the rear wheel of the motorcycle and she fell on the road. It shows that, the death of the deceased was an accident. At the time of accident, the motorcycle was insured with respondent /Insurance Company. The accident caused due to use of the motorcycle, hence Insurance Company is liable to pay the compensation. Though four persons were travelling on the bike, but it has come on record that the deceased, her husband and their two minor children around three years of age were travelling with them, so it cannot be considered as breach of terms and conditions of insurance policy.

5. Considering the above reasons, the claimants are entitled for

following compensation.

Particulars Rs. Amount

Monthly Income Rs. 2,000/-

40% future prospects Rs. 800/-

Multiplier 18 (2800 X 12 X 18) Rs. 6,04,800/-

Consortium (48000 X4) Rs. 1,92,000/-

Loss of Estate Rs. 18,000/-

Funeral Expenses Rs. 18,000/-

Total Rs. 8,32,800/-

Amount awarded by Tribunal Rs. 50,000/-

Enhanced compensation Rs. 7,82,800/-

 6. In view of above, I pass following order:

ORDER

i. The appeal is allowed.

ii. The claimants are entitled for enhanced amount of

Rs.7,82,800/- with @7.5% interest per annum from

the date of filing claim petition till realisation of the

amount.

iii. The Insurance Company shall deposit the amount of

compensation along with accrued interest thereon

within eight weeks from the receipt of this order.

iv. The claimants are permitted to withdraw the deposited

amount along with accrued interest thereon.

v. The claimants shall pay deficit court fees on enhanced

amount, as per rule.

vi. R & P be sent back to the Tribunal.

8. The appeal is disposed of. All pending applications, if any, also

disposed of.

( SHIVKUMAR DIGE, J.)