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CDJ 2026 Ker HC 424
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| Court : High Court of Kerala |
| Case No : MACA No. 3701 of 2018 |
| Judges: THE HONOURABLE MRS. JUSTICE M.B. SNEHALATHA |
| Parties : B.N. Prabhakaran Versus The Branch Manager, The National Insurance Company Ltd., Kasaragod |
| Appearing Advocates : For the Petitioner: I.V. Pramod, K.V. Sasidharan, Advocates. For the Respondent: Abhijett Lessli, Advocate. |
| Date of Judgment : 17-03-2026 |
| Head Note :- |
Comparative Citation:
2026 KER 23457,
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| Summary :- |
1. Statutes / Acts / Rules / Orders / Regulations Mentioned:
- Circular No.3 of 2019 dated 06.09.2019
- O.M.No.D1/62475/2016 dated 07.11.2019
2. Catch Words:
- Compensation
- Permanent disability
- Loss of earning power
- Functional disability
- Multiplier
- Interest
- Insurance
- Motor accident
3. Summary:
The appellant, a permanent employee of KSEB, suffered a motor accident on 14‑02‑2014 due to the negligent driving of the defendant’s car. The Tribunal awarded Rs.1,05,550/- as compensation, omitting any amount for permanent disability despite a medical board certifying 28% disability. The Court recalculated the functional disability as 5% and, using the appellant’s net salary, future prospects, and a multiplier of 13, awarded Rs.2,43,462/- for permanent disability. All other heads of claim remained unchanged. The total enhanced award is Rs.3,49,012/-. The insurer is directed to pay the enhanced amount with interest at 7% per annum, subject to a 104‑day filing delay. The appellant must furnish bank details within a month.
4. Conclusion:
Appeal Allowed |
| Judgment :- |
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1. Appellant who is the claimant in O.P(MV) No.126/2016 of Motor Accident Claims Tribunal, Kasaragod [hereinafter referred to as ‘the Tribunal] has filed this appeal seeking enhancement of the compensation awarded by the Motor Accident Claims Tribunal, Kasaragod.
2. Appellant's/claimant's case is that on 14.02.2014 at 7 p.m while was he was riding a motorcycle bearing registration No.KL-14-C 5028 and when it reached at Nalam Mile a car bearing registration No.KL-14-F-6018 hit on his motorcycle. The accident occurred due to the rash and negligent driving of R1 in the O.P, who was the driver of the offending car. R2 in the O.P is the owner of the said car and R3 in the O.P is the insurer of the said vehicle.
3. By the impugned award, a sum of Rs.1,05,550/- with 9% interest from the date of petition was awarded by the Tribunal. Dissatisfied with the quantum of compensation, appellant/claimant has preferred this appeal contending that appellant who suffered grievous injuries was awarded only a meager sum as compensation by the Tribunal and the compensation awarded is not a just compensation. It was contended that though there is a definite finding that the appellant sustained 28% disability no compensation was awarded on that head. It was also contended the compensation awarded under all heads are very meager.
4. Now let us see whether the appellant/claimant is entitled to enhanced compensation.
5. It is an undisputed fact that the appellant met with a motor vehicle accident on 14.02.2014. Likewise, the case of the appellant that the accident occurred due to the rash and negligent driving of R1 in the O.P who was the driver of the offending car bearing registration No.KL-14-F-6018 is also not in dispute.
6. Admittedly the offending vehicle was insured with R3 in the O.P.
7. Appellant was a permanent employee of Kerala State Electricity Board (KSEB). Ext.A6 is the salary certificate.
8. Ext.A3 wound certificate and Ext.A4 discharge summary would show that appellant sustained fracture of shaft of right humerus middle third, abrasion over the right second toe with avulsion of nail. Ext.X1 report of the Medical Board would show that appellant sustained 28% permanent locomotor disability in relation to the right upper limb due to limitation of range movements of the right shoulder and right elbow.
9. The Tribunal has not awarded any sum under the head compensation for permanent disability. The salary certificate produced by the claimant would show that he was a permanent employee of KSEB and his gross salary was Rs.53,398/-. As he was a permanent employee of KSEB, the question of loss of earning power would arise only for the period after his retirement. The percentage of disability certified by the medical board was with respect to a particular limb. Therefore, taking into account the fact that he sustained 28% permanent locomotor disability in relation to the right upper limb due to limitation of range movements of the right shoulder and right elbow, the functional disability is taken as 5% for the purpose of assessing the compensation on account of permanent disability.
10. As per Ext.A6 salary certificate, out of the gross salary of Rs.53,398/-, an amount of Rs.5,379/- is seen deducted towards income tax. Therefore, the salary after deducting income tax is Rs.48,019/- (53,398 – 5,379). The victim was 46 years old at the time of accident. Therefore, 30% of the income is to be added towards future prospects (National Insurance Co. Ltd. v. Pranay Sethi [(2017) 16 SCC 680]. If 30% is thus added to this amount, the amount would come to Rs.62,425/- (48,019+14406). His notional income after retirement is taken as 50% of the said amount. Therefore, the income can be taken as Rs.31,213/- (62,425 X 1/2). The functional disability is taken as 5%. Since the victim was aged 46, the multiplier applicable to him is 13. Accordingly, an amount of Rs.2,43,461/- is awarded under the head compensation for permanent disability (31,213 x 12 x 13 x 5/100)
11. The compensation under all other heads awarded by the Tribunal remains unaltered.
12. In the result M.A.C.A stands allowed as above. No costs. The compensation payable to the appellant/claimant is as indicated in the tabular statement here below:
| Head of Claim
| Amount awarded by the Tribunal
| Amount modified by this Court.
| 1.
| Loss of earning
| -
| -
| 2.
| Partial loss of earnings
| -
| -
| 3.
| Transport to hospital
| 500/-
| 500/-
| 4.
| Extra nourishment
| -
| -
| 5.
| Damage to clothing and articles
| 500/-
| 500/-
| 6.
| Medical expenses and others. Bystander expenses
| 38,500/-
1,050/-
| 38,500/-
1,050/-
| 7.
| Compensation for pain and sufferings
| 15,000/-
| 15,000/-
| 8.
| Compensation for the loss of earning power and others
| -
| -
| 9
| Compensation for permanent disability
| -
| 2,43,462/-
| 10
| Compensation for loss of amenities and conveniences of life.
| 50,000/-
| 50,000/-
| | Total
| 1,05,550/-
| 3,49,012/-
| | Amount enhanced ₹2,43,462/- (₹3,49,012-1,05,550).
| 13. Insurance company/R3 in the O.P is liable to pay the award amount as enhanced by this Court at the rate of 7% per annum from the date of petition till payment. Since there was a delay of 104 days in filing the appeal, the appellant will not be entitled to interest on the enhanced amount for the period of 104 days.
14. The claimant shall produce the details of the bank account before the Motor Accident Claims Tribunal, Kasaragod within one month from the date of receipt of a certified copy of this judgment.
The deposit must be in terms of the directives issued by this Court in Circular No.3 of 2019 dated 06.09.2019 and clarified in O.M.No.D1/62475/2016 dated 07.11.2019 after deducting the liabilities, if any of the appellant towards tax, balance Court Fee and legal benefit fund.
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