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  4. 2024/
  5. September

Abul Hussain vs. the Branch Manager, United India Insurance Co. Ltd. and 2 Ors.

Decided on 30 September 2024• Citation: MACApp./674/2019• Gauhati High Court
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                                                                  Page No.# 1/11    
        GAHC010283642019                                                            
                                                              2024:GAU-AS:10000     
                             THE  GAUHATI    HIGH   COURT                           
          (HIGH COURT OF ASSAM, NAGALAND, MIZORAM AND ARUNACHAL  PRADESH)           
                             Case No. : MACApp./674/2019                            
                 ABUL HUSSAIN                                                       
                 S/O- LATE KASHEM ALI, R/O- VILL. AND P.O. GOBINDPUR, P.S. AND DIST.-
                 GOALPARA, ASSAM, PIN- 783101.                                      
                 VERSUS                                                             
                 THE BRANCH MANAGER, UNITED INDIA INSURANCE CO. LTD. AND 2          
                 ORS.                                                               
                 GOALPARA BRANCH, P.O. AND DIST.- GOALPARA- 783101, ASSAM.          
                 2:GOLBHANU BEGUM                                                   
                 W/O- ABUL HUSSAIN                                                  
                 R/O- VILL. AND P.O. GOBINDPUR- 783101                              
                 P.S. AND DIST.- GOALPARA                                           
                 ASSAM                                                              
                 3:HEBZUR RAHMAN                                                    
                 S/O- SONTESH ALI                                                   
                 R/O- VILL. AND P.O. GOBINDPUR- 783101                              
                 P.S. AND DIST.- GOALPARA                                           
                 ASSA                                                               
        Advocate for the appellant : Mr. A.R. Agarwal                               
        Advocate for the respondents : Mr. A.J. Saikia                              

                                                                  Page No.# 2/11    
                                      BEFORE                                        
                      HON’BLE  MRS.  JUSTICE  MARLI  VANKUNG                        
                            JUDGMENT    AND ORDER   (CAV)                           
        Date of hearing : 10.09.2024.                                               
        Date of judgment : 30.09.2024                                               
             Heard Mr. A.R. Agarwal, learned counsel for the appellant along with Mr.
        A.J. Saikia, learned counsel for respondent No. 1/Insurance Company.        
        2.  This is an appeal against the Judgment and award dated passed by the    
        learned Member, Motor Accident Claim Tribunal (MACT), in MAC Case No.       
        373/16 dated _The appellant is the claimant in MAC Case No. 373/16, who had 
        filed the claim application before the learned Member, Motor Accident Claims
        Tribunal, Goalpara claiming compensation of Rs. 10,00,000 (Rupess ten lakhs)
        only for injuries sustained by him due to a motor vehicular accident that   
        occurred on 06/10/2016.                                                     
        4.   The claimant’s case, in brief, is that on 06.10.2016 at about 10:00 AM,
        while the claimant/appellant Abdul Hussain was going on  foot towards       
        Gobindapur Bazar, on reaching near Gobindapur LP School, he was knocked     
        down by a truck having registration No. AS-18-C-6405, which was driven by its
        driver, in a rash  and  negligent manner, as  a  result of which  the       
        appellant/claimant sustained grievous injuries. He was taken to Solace hospital,
        but was later shifted to GMCH, Guwahati as an indoor patient till 27.10.2016.
        The case was registered under the Goalpara PS vide Goalpara PS Case No.     

                                                                  Page No.# 3/11    
        505/16 under Section 279/338 IPC and the driver of the offending vehicle was
        charge sheeted  accordingly. The claimant/appellant had filed the claim     
        application claiming for compensation of Rs. 10,00,000/- for the injuries   
        sustained by him in the accident. The opposite party No. 1, United India    
        Insurance Co. in their Written Statement denied that the alleged accident   
        occurred due to rash and negligent driving by the driver of the offending vehicle
        having Registration No. AS-18-C-6405 and also denied all the averments made 
        in the claim petition. The owner of the vehicle/opposite party No. 2 stated that
        at the time of the accident, the vehicle was duly insured with the opposite party
        No. 1 having a valid policy No. 1306043115P112226680. The opposite party No.
        3, the driver of the offending vehicle in his written statement, claimed that the
        accident did not occurred due to his rash and negligent driving and that at the
        time of the driving, the said vehicle was having a valid driving license No. AS-
        1820150015031, valid upto 07.03.2018.                                       
        From  the pleadings of both the parties, the learned Tribunal framed the    
        following issues:-                                                          
            (i) Whether the claimant Abdul Hussain sustained injuries in the alleged
        motor accident dated 06.10.2016 involving the vehicle bearing registration No.
        AS-18-C-6405 (Truck) and whether the accident had taken place due to rash   
        and negligent driving of the aforesaid vehicle.                             
           (ii) Whether the claimant is entitled to compensation? And if yes to what
        extend and by whom amount  the opposite parties, the said compensation will 
        be payable?                                                                 

                                                                  Page No.# 4/11    
        5.  The claimant examined two witnesses and the claimant/PW-1, exhibited    
        Exhibit No. 1 to Exhibit No. 165, which included certified copy of the FIR, 
        certified copy of the charge sheet, certified copy of the MVI report, certified
        copies of the medical report along with the cash memos and investigation done
        for the treatment of the claimant. The nature of injury sustained by the claimant
        is multiple fracture of right ribs and shattered Spleen. The claimant also  
        exhibited disablement certificate as Exhibit No. 151. The claimant/appellant also
        stated that he was an agriculturist having 5 bighas of land and earned Rs.  
        8000/- per month as a cultivator. He was the only earning member of the family
        and had suffered 70% disability affecting him in his work, as a result of the
        accident. PW-2 is Dr. S. Ali, who proved the Disability Certificate (Exhibit No.
        151) by adducing his evidence. None of the opposite parties adduced any     
        evidence before the Tribunal.                                               
        6.  The learned Tribunal on considering the materials on record decided issue
        No. 1 in favour of the claimant and held that claimant Abdul Hussain sustained
        injuries in the motor accident dated 06.10.2016 involving the vehicle bearing
        registration No. AS-18-C-6405 (Truck), due to the rash and negligent driving of
        the aforesaid vehicle.                                                      
        7.  With regard to the quantum of the award, the learned Tribunal noted that
        the  claimant sustained multiple fracture of ribs of  right side and        
        Haemoperitonnium with grade iv splenic laceration (shattered spleen) for which
        the claimant claimed he spend Rs.1,86,979/-, by submitting the medical      
        documents and  vouchers. The learned Tribunal on careful scrutiny of the    
        medical documents held that the claimant spent Rs. 37,000/- in his treatment
        and had also incurred some expenditure towards conveyance, maintenance      

                                                                  Page No.# 5/11    
        attendant, food etc. and therefore, the claimant is entitled to some amount of
        pecuniary damages as accidental expenditure as the claimant had sustained   
        grievous injury. The learned Tribunal also observed that Dr. S.Ali /Pw2 stated
        that on, 24.01.2017, he was one of the member of the District Standing Medical
        Board, which issued a 70%   disability certificate to the appellant on the  
        examination of the physical injuries sustained by the appellant. The learned
        Tribunal observed that injuries have caused disability which may be calculated
        at 40% permanent partial disability, which would definitely reduce the earning
        capability of the claimant and hence held that the claimant is entitled to 40%
        loss of earnings due to the disability along with other damages.            
        8.   The learned Tribunal relied on the medical documents and held that the 
        age of the claimant was 40 years at the time of the accident. The learned   
        Tribunal also observed that though the claimant had said that he was an     
        agriculturalist by profession, from which he used to earn Rs. 8000/- per month,
        however, since there were no supporting evidence produced by him to prove   
        his monthly income, thus, considering the minimum wage structure prevailing,
        the learned Tribunal held that the income of the claimant would be Rs. 4000/-
        per month. The multiplier used was 15, since the age of the claimant was    
        taken in the age group of 36-40 years.                                      
        9.    The learned Tribunal thus held  that the claimant is entitled to      
        compensation as assessed herein under:-                                     
        Medical Expenses……………………………………             Rs. 37,705.00                    
        Loss of earnings p.a…………..Rs. 48000 x40%x15 = Rs. 2,88,000.00               

                                                                  Page No.# 6/11    
        Accidental expenditure  ……………………………             Rs.  25,000.00              
        Pain, Shock and suffering :……………………….      Rs.  25,000.00                   
        Total              ……………………………             Rs. 3,75,705.00                  
        10.  The learned Tribunal also found that the driver of the offending vehicle AS-
        18-C-6405 (Truck) was having a valid driving license at the time of the accident.
        It was also found that the offending vehicle was validly insured with the   
        opposite party No. 1 at the time of the accident and therefore, held that the
        opposite party No. 1 was  liable to pay compensation to  the claimant.      
        Accordingly, the learned Tribunal directed that the awarded amount of Rs.   
        3,70,705/- with interest of 6% p.a from the date of the institution of the claim
        petition till the date of the payment, was to be borne by the Insurance     
        Company/respondent No. 1.                                                   
           Aggrieved by the above judgment and award, the claimant has filed the    
        instant appeal for enhancement of the compensation amount awarded by the    
        learned Tribunal.                                                           
        11.  Mr. A.R. Agarwal, learned counsel for the appellant submits that the   
        learned Tribunal had failed to take into consideration the evidence on record in
        its proper perspective while deciding the case and that the awarded amount is
        inadequate and unjust. The learned counsel submits that the learned Tribunal
        had erred in taking Rs. 4000/- only as the monthly income of the insured victim,
        while it is clear that the victim was an agriculturalist earning Rs. 8000/- per
        month at the time of the accident, that the earnings of the insured victim which
        is proved by the oral evidence and cross examination of PW-1/claimant. He   

                                                                  Page No.# 7/11    
        further submitted that the insured victim had suffered 70% disablement and the
        learned Tribunal had erred in not making proper assessment of the pecuniary 
        loss suffered by the claimant and had assessed the loss of earnings only as 40%
        without giving any reason or justification. The learned counsel submits that due
        to the serious injuries sustained by the claimant, wherein he himself used to
        work towards cultivation, his earning capacity has reduced to 100%. For the 
        above reason, the award is liable to be modified and enhanced. His Disability
        Certificate is exhibited as Exhibit 151, issued by the District Standing Medical
        Board Goalpara . The permanent disability is 70% but the learned Tribunal had
        not taken into consideration the physical disability as assessed by the Medical
        Board and had erred in finding that the loss of earning capacity is only 40% .
        12.  The learned counsel for the appellant further submits that the learned 
        Tribunal had erred in awarding only Rs. 37,705/- as medical expenses in spite of
        the fact that the claimant/appellant had incurred more than Rs. 1,86,979/- in his
        treatment and medical bills/vouchers were duly submitted. The learned counsel
        also submits that non-acceptance/non-consideration of some medical bills and
        reduction from the bills and vouchers submitted is unwarranted and without any
        reason.                                                                     
        13. The learned counsel thus submits that the awarded amount made by the    
        Tribunal is on the lesser side and should be enhanced. The learned counsel for
        the appellant has relied on the judgment of the Apex Court in Syed Sadiq Vs.
        Divisional Manager, United India  Ins. Company,  reported in (2014) 2       
        SCC 735,  Smt. Neeta  vs.The Divisional Manager,  MSRTC  reported  in       
        2015(1)  T.A.C 340(SC),  (Principal Seat) in Colap Lata Goswami  and        
        Anr vs. Ajit Deka and ors. reported in (2016) 4 GLR1                        

                                                                  Page No.# 8/11    
        14.  The  learned counsel also relied on the following rulings for the      
        enhancement of the award due to the permanent disability suffered by the    
        claimant/appellant ; Raj Kumar Vs. Ajay Kumar & Anr., reported in (2011)    
        1 SCC  343, Sanjay  Batham  Vs. Munnalal  Parihar &  Ors., reported in      
        (2011) 10 SCC 665, Basappa  Vs. T. Ramesh & Anr., reported in 2014 (4)      
        T.A.C 663   (S.C), Sri Laxman   Vs. Divisional Manager,   Oritl. Ins.       
        Company   Ltd. & Anr., reported in (2012) 1 TAC 376. The judgment of a      
        Coordinate Bench of this Court (Agartala Bench) in Narayan Chandra Banik    
        Vs. Siddarthan Sankar Ray & Ors., reported in (2013) 2 GLR 522. Sanjay      
        Verma  Vs.  Haryana  Roadways,   reported in (2014)  3 SCC  210,  the       
        judgment of the Allahabad High Court in Oriental Insurance Company Ltd.     
        Vs. Surendra Umrao   & Anr., reported in 2007 (3) T.A.C 40 (All.). MD       
        Goffar Ali Vs. MD Golam Ali, reported in 2015 (2) T.A.C 197 (Gau),          
        15.  Mr. A.J. Saikia, learned counsel for respondent No. 1/Insurance Company,
        on the other hand  submits there were no grounds to interfere with the      
        judgment of the learned Tribunal since the learned Tribunal had rightly assessed
        the amount to be awarded to the appellant as per the documents produced and 
        available on record. The learned counsel also submits that in the medical   
        documents  submitted and the deposition of PW-2, it is stated that the      
        claimant/appellant can be cured slowly. That the injury is on the ribs and thus,
        the nature of disablement is temporary and is not a permanent disability as 
        claimed by the claimant/appellant. The learned counsel also submits that since
        no documents to prove the income of the claimant is produced, the learned   
        Tribunal has rightly taken the income of the claimant at Rs. 4000/- per month
        which is a reasonable amount.                                               

                                                                  Page No.# 9/11    
        16. I have heard the contentions of both the parties and have also perused the
        documents on record. The instant appeal is with regards to the quantum of the
        award granted by the learned Tribunal. It is seen that the claimant/appellant
        has claimed that he owned  5 bighas of land and earned his living as a      
        cultivator/agriculturist earning an income of Rs.8000/ per month. However since
        no income certificate was produced, the learned tribunal had taken the income
        at Rs.4000/- per month.                                                     
             The coordinate bench of this court in Smt. Neeta vs.The Divisional     
        Manager,  MSRTC(supra)  had held that the court would be entitled to resort 
        to rational guess work so as to ascertain the income of the deceased when no
        definite materials are available so as to establish the same by applying the ratio
        laid down by the Apex Court in Aswini Kumar Mishra v.P.Muniam   Babu        
        reported in (1999)SLT 447, wherein it was held that whenever a tribunal is  
        required to fix the amount of compensation in cases of accident, it involves
        some guess work, some hypothetical consideration, some amount of sympathy   
        linked with the nature of disability caused. However all such elements are  
        required to be viewed with objective standards. While assessing damages, the
        court cannot base  ots opinion merely on  speculation or fancy though       
        conjectures to some extent is inevitable.                                   
             It is seen that the Apex court in Syed Sadiq ETC  vs. Divisional       
        Manager,United  India INS  Co.(supra) held that a labour involved in an     
        unorganized sector doing his own business is not expected to  produce       
        documents to prove his monthly income. Going by the present state of economy
        and rising prices in agricultural products held that a vegetable vendor is  
        reasonably capable of earning Rs.6,500/- per month.                         

                                                                  Page No.# 10/11   
            This court is thus of the considered view that the learned Tribunal has 
        assessed the income of the claimant on the lower side and find it appropriate to
        enhance the income of the claimant/appellant from Rs.4000/- to Rs. 6500/- per
        month.                                                                      
        17.  This court also finds that the learned tribunal held that the claimant spent
        Rs.37,705/- without giving any reasons, as to why, the medical bills and    
        vouchers duly exhibited, have not been accepted in total, thus, this court finds it
        fit to accept the medical bills and vouchers amounting to Rs.1,86,979/- for the
        treatment of the grievous injury sustained by the claimant, wherein, he is shown
        to have sustained multiple fracture of ribs if right side and Haemoperitonium
        with grade iv spleen laceration (shattered spleen) and was hospitalized from
        06.10.2016 to 27.10.2016.                                                   
        18.  This court however finds that there is no mention in the disablement   
        certificate exhibited as Ext.No.151, that the disability is of permanent nature,
        but on considering the nature of the injury sustained by him, wherein, the  
        claimant being a cultivator will require active physical activity, the 70%  
        disablement is likely to affect his earning capacity to a great extend and  
        therefore this Court find it fit if 50% is taken as functional disability. This Court
        also find it appropriate if the amount for pain, shock and suffering is increased
        to Rs. 50,000/- from Rs. 25,000/-. Accordingly, the awarded amount is       
        enhanced as below:-                                                         
        Medical Expenses……………………………………             Rs. 1,86979.00.                  
        Loss of earnings p.a…………..Rs.6500x12 x50%x15 = Rs. 5,85,000.00              

                                                                  Page No.# 11/11   
        Accidental expenditure  ……………………………             Rs.  25,000.00              
        Pain, Shock and suffering :……………………….      Rs.  50,000.00                   
        Total              ……………………………             Rs. 8,46,979.00                  
        19. The enhanced award with an interest of 6% per annum from the date of    
        the institution of the claim petition till the date of the payment, is to be borne
        by the Insurance Company/respondent No. 1. The enhance awarded amount of    
        Rs. 8,46,979/- (Rupees eight lakh forty six thousand nine hundred and seventy
        nine) only should be deposited into this registry after adjusting the original
        awarded amount, if already received by the claimant, and the appellant is at a
        liberty to withdraw the same after due verification by the registry.        
           The award granted by the learned Tribunal would thus stand modified in the
        above manner by granting the aforesaid enhancement.                         
             Accordingly, MAC Appeal No. 674/2019 stands allowed to the extent      
        indicated above.                                                            
             No order as to costs.                                                  
                                                             JUDGE                  
        Comparing Assistant