Anil Paswan vs Dharmender Rawat on 2 July, 2026

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    Delhi District Court

    Anil Paswan vs Dharmender Rawat on 2 July, 2026

    IN THE COURT OF GUNJAN GUPTA, DISTRICT JUDGE-
       CUM-PRESIDING OFFICER : MOTOR ACCIDENT
    CLAIMS TRIBUNAL-01, (WEST), TIS HAZARI COURTS,
                        DELHI
    
                             AWARD/JUDGMENT
    
                                                 MACT Case No. 336/2022
                                              CNR No.DLWT010038132022
    
    
    
    
    Sh. Anil Paswan
    S/o Sh. Shekhu Paswan
    R/o Ward No.2, Bhansi, Post Office Kumharson,
    District Begusarai Bihar.
                                                             ...Petitioner
                                       Versus
    1.      Dharmender Rawat (Driver)
            S/o Sh. Ram Karan Rawat
            R/o Village & Post Office Paniyala, Tehsil Kothputli,
            District Jaipur, Rajasthan
            (Driver of vehicle no. RJ32GB7468, TATA 407)
    
    2.      Leela Ram           (Owner)
            S/o Sh. Sayar
            R/o Badi Poli, Village Sunderpura,
            Tehsil Kothputli, Jaipur,
            Rajasthan
            (Owner of vehicle no. RJ32GB7468 TATA 407)
    
    3.      TATA AIG Insurance Company (Insurer)
            F-3, Shreeji Towers, C-99, First Floor,
            Subash Marg, Jaipur,
            Rajasthan-302001
            (Insurer of vehicle no. RJ32GB7468 TATA 407)
    
    
                                                       .....Respondents
    
    
    Anil Paswan Vs. Dharmender Rawat & Ors.
    [MACT No. 336/2022]                                    Page No.1 of 29
    
                                                    GUNJAN Digitally signed by
                                                           GUNJAN GUPTA
    
                                                    GUPTA Date:  2026.07.06
                                                           17:12:08 +0530
        Date of Institution           : 25.04.2022
       Date of pronouncement         : 02.07.2026
                           FORM-XVII
       COMPLIANCE OF THE PROVISIONS OF THE
    MODIFIED CLAIMS TRIBUNAL AGREED PROCEDURE
    
      1. Date of the accident                       03.03.2020
      2. Date of filing of Form-I -                 25.04.2022
         First Accident Report (FAR)
      3. Date of delivery of Form-II                    --
         to the victim(s)
      4. Date of receipt of Form-III                    --
         from the Driver
      5. Date of receipt of Form-IV                     --
         from the Owner
      6. Date of filing of the Form-V-              25.04.2022
         Interim Accident Report
         (IAR)
      7. Date of receipt of Form-VIA                    --
         and Form-VIB from the
         Victim(s)
      8. Date of filing of Form-VII -               25.04.2022
         Detailed Accident Report
         (DAR)
      9. Whether there was any delay           Accident took place on
         or deficiency on the part of         03.03.2020 and the DAR
         the Investigating Officer? If        was filed on 25.04.2022
         so, whether any action/
         direction warranted?
     10. Date of appointment of the             Date not mentioned
         Designated Officer by the
         Insurance Company
     11. Whether the Designated WS filed by respondent no.
         Officer of the Insurance     3 on 02.08.2022
         Company submitted his report
         within 30 days of the DAR?
     12. Whether there was any delay                     -
         or deficiency on the part of
    
    Anil Paswan Vs. Dharmender Rawat & Ors.
    [MACT No. 336/2022]                                  Page No.2 of 29
    
                                               GUNJAN                      Digitally signed by
                                                                           GUNJAN GUPTA
    
                                               GUPTA                       Date: 2026.07.06
                                                                           17:12:12 +0530
            the Designated Officer of the
           Insurance Company? If so,
           whether any action/direction
           warranted?
     13. Date of response of the Legal offer was not filed in
         claimant(s) to the offer of the this matter
         Insurance Company
     14. Date of the award                      02.07.2026
     15. Whether the claimant(s)                    Yes
         was/were directed to open
         savings bank account(s) near
         their place of residence?
     16. Date of order by which                 25.04.2022
         claimant(s) was/were directed
         to open savings bank
         account(s) near his place of
         residence and produce PAN
         Card and Aadhaar Card and
         the direction to the bank not
         issue any cheque book/debit
         card to the claimant(s) and
         make an endorsement to this
         effect on the passbook.
     17. Date on which the claimant(s)          02.09.2025
         produced the passbook of
         their savings bank account
         near the place of their
         residence along-with the
         endorsement, PAN Card and
         Adhaar Card?
     18. Permanent          Residential Ward No.2, Bhansi, Post
         Address of the claimant(s).    Office Kumharson,
                                        District Begusarai Bihar
     19. Whether the claimant(s)                    Yes
         savings bank account(s) is/are
         near his/her/their place of
         residence?
     20. Whether the claimant(s)                    Yes
         was/were examined at the
    
    
    Anil Paswan Vs. Dharmender Rawat & Ors.
    [MACT No. 336/2022]                              Page No.3 of 29
    
                                              GUNJAN           Digitally signed by
                                                               GUNJAN GUPTA
    
                                              GUPTA            Date: 2026.07.06
                                                               17:12:14 +0530
            time of passing of the award
           to ascertain his/her/their
           financial condition?
    
                                      AWARD
    FACTUAL MATRIX OF THE CASE
    1.1             The present DAR was filed on 25.04.2022 by
    Investigating Officer (IO).
    1.2             This DAR pertains to road vehicular accident dated
    03.03.2020 which occurred at about 5:00 AM at near Punjabi
    Bagh underpass, Rohtak Road, New Delhi falling within the
    jurisdiction of PS Punjabi Bagh in which one Sh. Anil Paswan
    son of Sh. Shekhu Paswan (hereinafter referred as "petitioner")
    sustained grievous injuries. FIR No. 166/2020 under Section
    279/337 IPC was registered at PS Punjabi Bagh.
    1.3             Subsequently, a claim petition u/s 166 & 140 MV
    Act, 1988 was filed by the petitioner on 02.08.2022.
    BRIEF FACTS :-

    2.1 Brief facts of the case as set out in the petition are:-

    2.2 The petitioner was working as Helper on the Truck
    (TATA 407) bearing registration No. RJ32GB7468 (hereinafter
    referred as “Offending Vehicle), at Vikas Nagar, Uttam Nagar,
    New Delhi-110059. On 03.03.2020 at around 4:00 AM, after
    loading building material/dust in the offending vehicle from Tikri
    Border, they started their journey towards Delhi. The offending
    vehicle was being driven by respondent no.1 and petitioner was
    sitting in the cabin of the offending vehicle on the conductor side.

    The respondent no. 1 was driving the offending vehicle in rash
    and negligent manner and petitioner warned the respondent no.1
    regarding his rash and negligent driving and asked him to drive
    Anil Paswan Vs. Dharmender Rawat & Ors.

    SPONSORED

    [MACT No. 336/2022] Page No.4 of 29 signed by
    Digitally
    GUNJAN GUNJAN GUPTA
    GUPTA Date: 2026.07.06
    17:12:16 +0530
    carefully but he did not pay any heed to the same. At about 4:30
    AM when they reached near Punjabi Bagh Metro Station
    underpass Rohtak Road towards Jhakira, the respondent no.1 hit
    one stationary truck bearing registration no. HR38S5240. The
    said stationary truck had a punctured tyre and was on a jack with
    indicator and parking lights switched on. Due to the collision,
    the offending vehicle was badly damaged and the petitioner got
    stuck in its cabin and sustained multiple grievous injuries. After
    the accident, the petitioner was taken to Maharaja Agrasen
    Hospital where he remained admitted till 21.03.2020. Due to
    Covid 19 pandemic, he was discharged by hospital on 21.03.2020
    without complete treatment. Thereafter, he took further private
    treatment from Ortho Care Hospital, Najafgarh, Delhi and also at
    Advanced Orthopedic and Spine Centre, Begusarai, Bihar. FIR
    No.116/2020 was registered on 03.03.2020 U/s 279/337 IPC. In
    the final report annexed with the DAR, respondent no.1 was
    charged with the offences U/s 279/338 IPC .

    2.3 The petitioner was 35 years of age at the time of
    accident and was working as Helper and used to earn Rs.15,000/-
    per month. The incident happened solely due to rash and
    negligent driving of respondent no.01. It is averred that the
    respondent no.01 being driver, respondent no.02 being owner and
    respondent no.03 being the insurer of offending vehicle are
    jointly and severally liable to pay compensation to the petitioner.
    REPLY OF RESPONDENT NO.01 & 02.

    3.1 No WS was filed on behalf of respondent no.1 & 2.
    REPLY OF RESPONDENT NO.3
    3.2 Respondent no.03 filed the reply wherein it is

    Anil Paswan Vs. Dharmender Rawat & Ors.

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                                                     GUNJAN               Digitally signed by
                                                                          GUNJAN GUPTA
    
                                                     GUPTA                Date: 2026.07.06
                                                                          17:12:18 +0530
    

    admitted that the vehicle bearing No. RJ32GB7468 (TATA 404)
    was insured with it vide policy No. 01583910790100 for the
    period 14.06.2019 to 13.06.2020. As no valid permit has been
    filed with the DAR, therefore, the offending vehicle was not
    having a valid permit and respondent no.2 was plying the
    insured vehicle in violation of Section 66 of M.V. Act. The
    terms and conditions of the insurance policy have been violated
    by respondent no. 2 and hence, the insurance company is not
    liable to indemnify the insured.

    ISSUES

    4. After completion of pleadings, on 06.09.2022, Ld.
    Predecessor of this tribunal framed following issues: –

    1. Whether the injured Anil Paswan sustained
    injuries in the accident that took place on
    03.03.2020 at about 5:00 AM due to rash and
    negligent driving of vehicle bearing No. RJ-32-

    GB-7468 by respondent no.1 Sh. Dharmender
    Rawat, being owned by the respondent no.2 Sh.
    Leela Ram and insured with the respondent
    no.3? OPP.

    2. Whether the petitioner is entitled to
    compensation, if so, at what amount and from
    whom? OPP

    3. Relief.

    EVIDENCE
    5.1 The petitioner examined himself as PW-1 to
    establish his claim. He tendered his evidence by way of affidavit
    Ex.PW1/A. He relied upon photocopy of FIR as Ex.PW1/B,
    photocopy of MLC and summary dated 03.03.2020 as
    Ex.PW1/C, photocopies of medicines bills, dressing charges etc.
    as Ex.PW1/D and copy of discharge summary as Ex.PW1/E in

    Anil Paswan Vs. Dharmender Rawat & Ors.

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                                                          GUNJAN Digitally signed by
                                                                 GUNJAN GUPTA
    
                                                          GUPTA Date:  2026.07.06
                                                                 17:12:20 +0530
    

    his evidence. He was examined, cross-examined and discharged.
    5.2 No evidence was led by the respondents.

    ARGUMENTS OF LD. COUNSEL FOR PETITIONER
    6.1 It was argued by Ld. counsel for petitioner that the
    petitioner has proved that the accident happened due to rash and
    negligent driving of the offending vehicle by respondent no. 1. He
    further submitted that the petitioner was around 33 years of age at
    the time of accident and was working as Helper in Delhi and
    earning Rs.15,000/- per month at the time of accident but has now
    been rendered incapable due to his permanent disability in the
    right lower limbs. It was argued that despite passage of long time,
    the petitioner is still earning the same income as he used to at the
    time of the accident. It was submitted that keeping in view the
    same, the award may be passed as per his entitlement.
    ARGUMENTS OF LD. COUNSEL FOR RESPONDENT NO.

    1&2
    6.2 No arguments were advanced on behalf of
    respondent no. 1 & 2.

    ARGUMENTS OF LD. COUNSEL FOR RESPONDENT NO.

    &3
    6.3 It was argued by Ld. Counsel for respondent no.3
    that the petitioner is only entitled to reimbursement of the medical
    expenses of which the original medical bills have been filed. It
    was further argued that the petitioner has not proved his
    employment and, therefore, his income is to be calculated as per
    the applicable minimum wages prevailing in the State of Bihar.
    The counsel further argued that the earning capacity of the
    petitioner has not been effected due to his disability as admittedly
    the petitioner is still earning the same amount as he used to at the
    time of the accident. It was submitted that considering the above,

    Anil Paswan Vs. Dharmender Rawat & Ors.

    [MACT No. 336/2022]                                  Page No.7 of 29
                                                                      Digitally signed
                                                                      by GUNJAN
                                                       GUNJAN         GUPTA
                                                       GUPTA          Date:
                                                                      2026.07.06
                                                                      17:12:23 +0530
    

    the award may be passed as per the settled principles of law.
    ANALYSIS/FINDINGS ON ISSUES
    7.1 ISSUE NO.1

    1. Whether the injured Anil Paswan sustained
    injuries in the accident that took place on
    03.03.2020 at about 5:00 AM due to rash and
    negligent driving of vehicle bearing No. RJ-32-
    GB-7468 by respondent no.1 Sh. Dharmender
    Rawat, being owned by the respondent no.2 Sh.
    Leela Ram and insured with the respondent
    no.3? OPP.

    7.2 Before adverting to the facts of the present petition
    for deciding the above issue, at the very outset, it would be
    apposite to note here that strict rules of evidence are not
    applicable in an inquiry conducted by Motor Accident Claims
    Tribunal. The standard of proof is not as strict as in criminal
    cases and evidence is to be tested on the touchstone of
    preponderance of probabilities only. In fact, the burden of proof
    in a claim petition under the M.V. Act, is even lesser than a civil
    case. Reference in this regard can be made to the proposition of
    law laid down by the Hon’ble Supreme Court of India in case of
    Bimla Devi and others Vs. Himachal Road Transport
    Corporation and Ors.
    ” (2009) 13 SC 530, “Parmeshwari Vs.
    Amir Chand and Ors.
    ” 2011 (1) SCR 1096 (Civil Appeal
    No.1082 of 2011) and “Mangla Ram Vs. Oriental Insurance
    Co. Ltd. & Ors.”, 2018 Law Suit (SC) 303 etc.
    7.3 Keeping in mind the aforesaid legal preposition, this
    Tribunal has gone through the testimony of the witness and entire
    material available on record. This Tribunal has also given its
    thoughtful consideration to arguments addressed by Ld. Counsels
    for the parties.

    Anil Paswan Vs. Dharmender Rawat & Ors.

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                                                         GUNJAN         Digitally signed by
                                                                        GUNJAN GUPTA
    
                                                         GUPTA          Date: 2026.07.06 17:12:26
                                                                        +0530
     7.4             The petitioner has categorically deposed in his
    

    examination-in-chief that the respondent no. 1 was driving the
    offending vehicle rashly and negligently and continued to do so
    despite his warnings. He deposed that due to the rash and
    negligent driving of the offending vehicle, the respondent no. 1
    lost control on his truck and at a high speed hit a stationary truck
    bearing no. HR38S5240 which was parked on the side of the
    road. The petitioner has deposed that indicators and parking
    lights of the stationary truck were switched on and the vehicle
    was visible prior to the accident. The petitioner further deposed
    that due to the impact, the offending vehicle was completely
    damaged from the front and he suffered grievous injuries and was
    stuck in the cabin of the truck. The petitioner in his evidence has
    relied upon photocopy of FIR as Ex.PW1/B, photocopy of MLC
    and summary dated 03.03.2020 as Ex.PW1/C, photocopies of
    medicines bills, dressing charges etc. as Ex.PW1/D and copy of
    discharge summary as Ex.PW1/E in his evidence. The deposition
    of petitioner as to manner of the accident and the rash and
    negligent driving of respondent no.1/driver, remained unshaken
    during cross-examination of said witness by Ld. counsel for
    respondent no. 3. Nothing favourable to the respondents came on
    record in the cross-examination. The petitioner was not cross
    examined by respondent no. 1 as no one was appearing on their
    behalf during the inquiry proceedings.

    7.5 Further, the very fact that respondent no.1 was
    charge-sheeted for the offences punishable under Section
    279
    /338 IPC with respect to the accident in question/FIR
    No.166/2020 is in itself a strong circumstance to support the

    Anil Paswan Vs. Dharmender Rawat & Ors.

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                                                        GUNJAN Digitally signed by
                                                               GUNJAN GUPTA
    
                                                        GUPTA Date:  2026.07.06
                                                               17:12:28 +0530
    

    testimony of PW-1 and sufficiently proves the complicity of the
    respondent no.1 in driving the vehicle negligently and rashly.
    The copies of the FIR, charge-sheet, MLC, site plan, seizure
    memos of the vehicles, statements recorded u/s 161 Cr. PC,
    notices issued U/s 133 of M.V. Act and its reply and photographs
    on record, also corroborate the testimony of PW-1.
    7.6 Even otherwise, respondent no.01/driver was the
    best witness who could have rebutted the case of rash and
    negligent driving of the offending vehicle and could have thrown
    some light as to how and under what circumstances, the accident
    in question took place. However, respondent no.1/driver has not
    participated in the inquiry proceedings and has chosen not to step
    into the witness box during the course of inquiry. In the given
    circumstances, adverse inference is liable to be drawn against
    him, to the effect that the accident occurred due to his rash and
    negligent driving.

    7.7 In view of the above discussion and considering the
    evidence on record, this Tribunal is of the opinion that the
    claimant has on the scale of preponderance of probabilities
    proved that the petitioner sustained injuries in road accident on
    03.03.2020 which occurred at about 5:00 AM at Punjabi Bagh
    underpass, Rohtak Road, New Delhi falling within the
    jurisdiction of PS Punjabi Bagh due to rash and negligent driving
    of offending vehicle bearing registration number RJ32GB7468
    being driven by respondent no.1. Accordingly, issue no.01 is
    decided in favour of the petitioner.

    ISSUE NO. (ii) :

    Whether the petitioner is entitled to
    compensation, if so, at what amount and

    Anil Paswan Vs. Dharmender Rawat & Ors.

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                                                        GUNJAN Digitally signed by
                                                               GUNJAN GUPTA
    
                                                        GUPTA Date:  2026.07.06
                                                               17:12:31 +0530
                      from whom? OPP
    
    8.1              In view of the findings on issue no.1, the petitioner
    

    is entitled to get compensation for the injuries suffered by him
    and the loss suffered by him due to the injuries in the road
    accident. Before proceeding further to decide the present issue, it
    would be apposite to encapsulate the law laid down by Hon’ble
    Supreme Court of India in its. Judgment in “Raj Kumar Vs.
    Ajay Kumar & Ors.
    ” (2011) 1 SCC 343. It was held : –

    “General principles relating to compensation in injury cases

    4. The provision of The Motor Vehicles Act, 1988 (‘Act’ for short)
    makes it clear that the award must be just, which means that
    compensation should, to the extent possible, fully and adequately
    restore the claimant to the position prior to the accident. The object
    of awarding damages is to make good the loss suffered as a result of
    wrong done as far as money can do so, in a fair, reasonable and
    equitable manner. The Court or tribunal shall have to assess the
    damages objectively and exclude from consideration any speculation
    or fancy, though some conjecture with reference to the nature of
    disability and its consequences, is inevitable. A person is not only to
    be compensated for the physical injury, but also for the loss which he
    suffered as a result of such injury. This means that he is to be
    compensated for his inability to lead a full life, his inability to enjoy
    those normal amenities which he would have enjoyed but for the
    injuries, and his inability to earn as much as he used to earn or
    could have earned. (See C. K. Subramonia Iyer vs. T. Kunhikuttan
    Nair
    AIR 1970 SC 376, R. D. Hattangadi Vs. Pest Control (India)
    Ltd.
    – 1995 (1) SCC 551 and Baker vs. Willoughby – 1970 AC 467).

    5. The heads under which compensation is awarded in personal
    injury cases are the following :

    Pecuniary damages (Special Damages)

    (i) Expenses relating to treatment, hospitalization,
    medicines, transportation, nourishing food, and
    miscellaneous expenditure.

    (ii) Loss of earnings (and other gains) which the injured
    would have made had he not been injured, comprising :

    (a) Loss of earning during the period of treatment;

    (b) Loss of future earnings on account of permanent
    disability.

    (iii) Future medical expenses.

    Non-pecuniary damages (General Damages)

    (iv) Damages for pain, suffering and trauma as a
    consequence of the injuries.

    (v) Loss of amenities (and/or loss of prospects of
    marriage).(vi) Loss of expectation of life
    (shortening of normal longevity).

    In routine personal injury cases, compensation will be

    Anil Paswan Vs. Dharmender Rawat & Ors.

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                                                                     GUPTA Date: 2026.07.06
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    awarded only under heads (i), (ii)(a) and (iv). It is only in serious
    cases of injury, where there is specific medical evidence
    corroborating the evidence of the claimant, that compensation will
    be granted under any of the heads (ii)(b), (iii), (v) and (vi) relating to
    loss of future earnings on account of permanent disability, future
    medical expenses, loss of amenities (and/or loss of prospects of
    marriage) and loss of expectation of life. Assessment of pecuniary
    damages under item (i) and under item (ii)(a) do not pose much
    difficulty as they involve reimbursement of actuals and are easily
    ascertainable from the evidence. Award under the head of future
    medical expenses – item (iii) — depends upon specific medical
    evidence regarding need for further treatment and cost thereof.
    Assessment of non-pecuniary damages – items (iv), (v) and (vi) —
    involves determination of lump sum amounts with reference to
    circumstances such as age, nature of injury/deprivation/disability
    suffered by the claimant and the effect thereof on the future life of the
    claimant. Decision of this Court and High Courts contain necessary
    guidelines for award under these heads, if necessary. What usually
    poses some difficulty is the assessment of the loss of future earnings
    on account of permanent disability – item (ii)(a). We are concerned
    with that assessment in this case. Assessment of future loss of
    earnings due to permanent disability.

    6. Disability refers to any restriction or lack of ability to perform an
    activity in the manner considered normal for a human-being.
    Permanent disability refers to the residuary incapacity or loss of use
    of some part of the body, found existing at the end of the period of
    treatment and recuperation, after achieving the maximum bodily
    improvement or recovery which is likely to remain for the remainder
    life of the injured. Temporary disability refers to the incapacity or
    loss of use of some part of the body on account of the injury, which
    will cease to exist at the end of the period of treatment and
    recuperation. Permanent disability can be either partial or total.
    Partial permanent disability refers to a person’s inability to perform
    all the duties and bodily functions that he could perform before the
    accident, though he is able to perform some of them and is still able
    to engage in some gainful activity. Total permanent disability refers
    to a person’s inability to perform any avocation or employment
    related activities as a result of the accident. The permanent
    disabilities that may arise from motor accidents injuries, are of a
    much wider range when compared to the physical disabilities which
    are enumerated in the Persons with Disabilities (Equal
    Opportunities, Protection of Rights and Full Participation) Act,
    1995
    (`Disabilities Act’ for short). But if any of the disabilities
    enumerated in section 2(i) of the Disabilities Act are the result of
    injuries sustained in a motor accident, they can be permanent
    disabilities for the purpose of claiming compensation.

    7. The percentage of permanent disability is expressed by the
    Doctors with reference to the whole body, or more often than not,
    with reference to a particular limb. When a disability certificate
    states that the injured has suffered permanent disability to an extent
    of 45% of the left lower limb, it is not the same as 45% permanent
    disability with reference to the whole body. The extent of disability
    of a limb (or part of the body) expressed in terms of a percentage of
    the total functions of that limb, obviously cannot be assumed to be
    the extent of disability of the whole body. If there is 60% permanent
    disability of the right hand and 80% permanent disability of left leg,
    it does not mean that the extent of permanent disability with

    Anil Paswan Vs. Dharmender Rawat & Ors.

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                                                                           GUPTA Date: 2026.07.06
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    reference to the whole body is 140% (that is 80% plus 60%). If
    different parts of the body have suffered different percentages of
    disabilities, the sum total thereof expressed in terms of the
    permanent disability with reference to the whole body, cannot
    obviously exceed 100%.

    8. Where the claimant suffers a permanent disability as a result of
    injuries, the assessment of compensation under the head of loss of
    future earnings, would depend upon the effect and impact of such
    permanent disability on his earning capacity. The Tribunal should
    not mechanically apply the percentage of permanent disability as the
    percentage of economic loss or loss of earning capacity. In most of
    the cases, the percentage of economic loss, that is, percentage of loss
    of earning capacity, arising from a permanent disability will be
    different from the percentage of permanent disability. Some
    Tribunals wrongly assume that in all cases, a particular extent
    (percentage) of permanent disability would result in a corresponding
    loss of earning capacity, and consequently, if the evidence produced
    show 45% as the permanent disability, will hold that there is 45%
    loss of future earning capacity. In most of the cases, equating the
    extent (percentage) of loss of earning capacity to the extent
    (percentage) of permanent disability will result in award of either
    too low or too high a compensation. What requires to be assessed by
    the Tribunal is the effect of the permanently disability on the earning
    capacity of the injured; and after assessing the loss of earning
    capacity in terms of a percentage of the income, it has to be
    quantified in terns of money, to arrive at the future loss of earnings
    (by applying the standard multiplier method used to determine loss
    of dependency). We may however note that in some cases, on
    appreciation of evidence and assessment, the Tribunal may find that
    percentage of loss of earning capacity as a result of the permanent
    disability, is approximately the same as the percentage of permanent
    disability in which case, of course, the Tribunal will adopt the said
    percentage for determination of compensation (see for example, the
    decisions of this court in Arvind Kumar Mishra v. New India
    Assurance Co.Ltd
    .
    – 2010(10) SCALE 298 and Yadava Kumar v.
    D.M., National Insurance Co. Ltd. – 2010 (8) SCALE 567).

    9. Therefore, the Tribunal has to first decide whether there is any
    permanent disability and if so the extent of such permanent
    disability. This means that the tribunal should consider and decide
    with reference to the evidence: (i) whether the disablement is
    permanent or temporary; (ii) if the disablement is permanent,
    whether it is permanent total disablement or permanent partial
    disablement, (iii) if the disablement percentage is expressed with
    reference to any specific limb, then the effect of such disablement of
    the limb on the functioning of the entire body, that is the permanent
    disability suffered by the person. If the Tribunal concludes that there
    is no permanent disability then there is no question of proceeding
    further and determining the loss of future earning capacity. But if the
    Tribunal concludes that there is permanent disability then it will
    proceed to ascertain its extent. After the Tribunal ascertains the
    actual extent of permanent disability of the claimant based on the
    medical evidence, it has to determine whether such permanent
    disability has affected or will affect his earning capacity.

    10. Ascertainment of the effect of the permanent disability on the
    actual earning capacity involves three steps. The Tribunal has to
    first ascertain what activities the claimant could carry on in spite of
    the permanent disability and what he could not do as a result of the

    Anil Paswan Vs. Dharmender Rawat & Ors.

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    permanent ability (this is also relevant for awarding compensation
    under the head of loss of amenities of life). The second step is to
    ascertain his avocation, profession and nature of work before the
    accident, as also his age. The third step is to find out whether (i) the
    claimant is totally disabled from earning any kind of livelihood, or

    (ii) whether in spite of the permanent disability, the claimant could
    still effectively carry on the activities and functions, which he was
    earlier carrying on, or (iii) whether he was prevented or restricted
    from discharging his previous activities and functions, but could
    carry on some other or lesser scale of activities and functions so that
    he continues to earn or can continue to earn his livelihood. For
    example, if the left hand of a claimant is amputated, the permanent
    physical or functional disablement may be assessed around 60%. If
    the claimant was a driver or a carpenter, the actual loss of earning
    capacity may virtually be hundred percent, if he is neither able to
    drive or do carpentry. On the other hand, if the claimant was a clerk
    in government service, the loss of his left hand may not result in loss
    of employment and he may still be continued as a clerk as he could
    perform his clerical functions; and in that event the loss of earning
    capacity will not be 100% as in the case of a driver or carpenter, nor
    60% which is the actual physical disability, but far less. In fact, there
    may not be any need to award any compensation under the head of
    `loss of future earnings’, if the claimant continues in government
    service, though he may be awarded compensation under the head of
    loss of amenities as a consequence of losing his hand. Sometimes the
    injured claimant may be continued in service, but may not found
    suitable for discharging the duties attached to the post or job which
    he was earlier holding, on account of his disability, and may
    therefore be shifted to some other suitable but lesser post with lesser
    emoluments, in which case there should be a limited award under the
    head of loss of future earning capacity, taking note of the reduced
    earning capacity. It may be noted that when compensation is
    awarded by treating the loss of future earning capacity as 100% (or
    even anything more than 50%), the need to award compensation
    separately under the head of loss of amenities or loss of expectation
    of life may disappear and as a result, only a token or nominal
    amount may have to be awarded under the head of loss of amenities
    or loss of expectation of life, as otherwise there may be a duplication
    in the award of compensation. Be that as it may.”

    8.2 In view of the above law laid down by Hon’ble
    Supreme Court of India, in routine injury cases, award needs to
    be passed only under heads of medical expenses, loss of earning
    during treatment period and damages for pain, suffering and
    trauma. In cases of serious injuries, where there is specific
    medical evidence corroborating the claim/evidence of the
    claimant, award additionally needs to be passed under the heads
    of loss of future earnings on account of permanent disability

    Anil Paswan Vs. Dharmender Rawat & Ors.

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    suffered, future medical expenses, loss of amenities (including
    loss of prospects of marriage) and loss of expectation of life. In
    light of the above settled law, the amount of compensation to
    which the petitioner is entitled is determined as under:-

    MEDICAL EXPENSES
    8.3(i) The petitioner has filed photocopy of MLC &
    summary dated 03.03.2020 as Ex.PW1/C and photocopies of
    medicines bills, dressing charges etc as Ex.PW1/D and copy of
    discharge summary Ex.PW1/E on record.

    8.3(ii) In the cross-examination by counsel for respondent
    no. 3, it was admitted by the petitioner that he was treated under
    the DAK Scheme of the Govt. of Delhi and had not incurred any
    expenses on his treatment. Thus, the petitioner is entitled to
    reimbursement of only the bills of the medical expenses of which
    originals have been filed. The total expenses incurred by the
    petitioner on his treatment, as per the original medical bills filed
    on record is Rs.13,473.25/-. Thus, the petitioner is held entitled
    for a sum of Rs.13,474/- (after rounding off Rs. 13,473.25/-) on
    account of medical bills/expenses. Accordingly, petitioner is
    awarded Rs. 13,474/- on account of medical expenses.

    ASSESSMENT OF EXPENSES TOWARDS FUTURE
    TREATMENT
    8.4 Petitioner has not claimed any amount required for
    future treatment. Petitioner has also not filed any
    document/medical evidence on record to show that petitioner
    requires any future treatment, hence, petitioner is not entitled for
    any amount under this head.

    DETERMINATION OF LOSS OF INCOME DURING

    Anil Paswan Vs. Dharmender Rawat & Ors.

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     TREATMENT PERIOD
    8.5(i)          The petitioner has claimed that he was working as
    

    Helper with Mukesh Building Material Supplier and used to earn
    Rs.15,000/- per month. But no evidence has been led by the
    petitioner to prove his employment in Delhi or his income.
    8.5(ii) As per the Aadhar Card of the petitioner on record,
    the petitioner was a resident of Bihar. Hence, the income of
    injured/petitioner has to be assessed on the basis of chart of
    Minimum Wages of an Unskilled person in the State of Bihar.
    The minimum wages for an Unskilled person of Bihar on the
    date of accident i.e. 03.03.2020 were Rs.7620/- (Rs.254/- per
    day X 30 days) (refer: “Hitesh Nagjibhai Patel vs. Bababhai
    Nagjibhai Rabari & Anr.” Civil Appeal
    no.10278 of 2025
    decided by the Hon’ble Supreme Court of India on 08.08.2025)
    8.5(iii) Accordingly, the monthly income of the injured
    needs to be considered as Rs.7620/- per month on the date of
    accident.

    8.5(iv) As per the medical records relied upon by the
    petitioner as MLC & summary dated 03.03.2020 as Ex.PW1/C
    and photocopies of medicines bills, dressing charges etc as
    Ex.PW1/D and copy of discharge summary Ex.PW1/E, the
    petitioner was initially taken to Maharaja Agrasen Hospital,
    Punjabi Bagh, New Delhi where the petitioner remained under
    treatment uptil 21.03.2020. As per the record, the petitioner took
    further treatment at Ortho Care Hospital, New Delhi wherein he
    remained admitted from 20.11.2021 to 21.11.2021.
    8.5 (v) As per discharge summary issued by Maharaja
    Agrasen Hospital, the petitioner was diagnosed with fracture

    Anil Paswan Vs. Dharmender Rawat & Ors.

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    dislocation right knee, flail chest, fracture tibia right, lateral
    collateral ligament injury right knee, patella tendon avulsion right
    knee, common peroneal nerve palsy right knee and had
    undergone surgical procedure of 1. orif with 8 hole narrow LCP
    for fracture shaft tibia right under spinal anesthesia, 2. orif of
    patellar tendon using anchor screw & extenor mechanism repair
    under spinal anesthesia, 3. lateral collateral ligament repair right
    knee using anchor suture (titanium size 5 mm under spinal
    anesthesia and 4. common personal nerve exploration under
    spinal anesthesia .

    8.5(vi) Thereafter on 20.11.2021, the petitioner was again
    hospitalized at Ortho Care Hospital, New Delhi for one day for
    removal of his implant screw from head of right fibula. The
    petitioner was discharged on 21.11.2021. The diagnosis at the
    said hospital was “OPERATED CASE OF #TIBIA (rt) WITH
    PLATE IN SITU WITH FOOT DROP WITH SCREW OVER
    HEAD OF FIBULA (RT)”. As per the medical documents filed
    on record, the petitioner continued under treatment at Ortho Care
    Hospital till 02.12.2021. The petitioner has stated in his evidence
    that he had also taken treatment at Advanced Orthopaedic and
    Spine Center, Begusarai, Bihar. However, the petitioner has not
    filed any medical documents in this regard and has also not stated
    any details of the treatment taken at the said hospital and the time
    period for which the treatment was taken. Thus, as per the record,
    the petitioner remained under treatment uptil 02.12.2021.
    8.5(vii) In view of the above discussion, the petitioner is
    held entitled to compensation for loss of income during the
    treatment period 21 months. Accordingly, this tribunal grants

    Anil Paswan Vs. Dharmender Rawat & Ors.

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    compensation of sum of Rs.1,60,020/- (Rs.7620/- x 21) towards
    loss of income during treatment period.

    ASSESSMENT OF LOSS OF EARNING CAPACITY DUE
    TO PERMANENT DISABILITY
    8.6(i) As per disability assessment report on record, the
    injured has suffered 29% permanent disability in relation to right
    lower limb. The diagnosis is “post traumatic foot drop right with
    united fracture right both bone leg with implant in situ with
    ligamentous injury right knee with implant in situ”. The disability
    is opined to be non-progressive and not likely to improve.
    8.6(ii) The petitioner has deposed in his evidence that he
    was a Helper and used to help in loading and unloading building
    materials in the trucks and used to earn Rs.15,000/- per month.
    He further deposed that after the accident, he is unable to lift
    weights and is also unable to walk properly. He deposed that he
    is unable to perform his duties as a Helper like he used to do
    before the accident. In his cross-examination, the petitioner
    stated that presently he is not working at the same place and has
    become incapable of doing the said work. He further stated that
    he is presently earning Rs. 12,000/- to Rs. 15,000/-. The
    testimony of the petitioner in this regard remained unrebutted.
    8.6(iii) Since, the petitioner has suffered a permanent
    disability in right lower limb, the same is bound to impact his
    functional capability to some extent. Even if he is earning the
    same amount as he was earning at the time of accident, as argued
    by Ld. Counsel for respondent no.2, the same does not mean that
    there is no functional disability. His efficiency at work is bound
    to decline especially considering that he was working as a
    Helper performing the work of loading and unloading of building

    Anil Paswan Vs. Dharmender Rawat & Ors.

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    materials. With this kind of disability and with the foot drop, he
    would not be able to do his work and other routine activities, in
    the same manner as he could perform before the injuries
    sustained in the accident in question. In the considered opinion of
    this Tribunal, the petitioner would also find difficulty in
    procuring a good paying job for himself with this kind of
    disability, especially considering that he was performing
    unskilled work in which physical fitness is much required. Thus,
    the functional disability of the petitioner for the purpose of
    assessment of compensation is assessed at 50%.
    8.6(iv) The law is well settled that for ascertaining the
    quantum of compensation for loss of future earnings on account
    of disability, the multiplier method shall be applied. (Refer;

    Kajal vs. Jagdish Chand & ors.” Civil Appeal no. 735 of 2020
    decided by Hon’ble Supreme Court of India on 05.02.2020).
    8.6(v) As per the Aadhar Card of the petitioner available
    on record, the date of birth of the petitioner is 01.01.1987. The
    accident occurred on 03.03.2020. Thus, the petitioner was 33
    years, 2 months and 2 days at the time of accident and the
    multiplier of 16 would apply.
    The future prospects/benefits
    applicable to the present case would be 40% as per the Judgment
    of the Hon’ble Supreme Court of India in “”National Insurance
    Company Limited Vs. Pranay Sethi & Ors
    ” (2017) 16 SCC 680.
    8.6(vi) The income of injured has already been assessed as
    as Rs.7620/- and an addition of 40% needs to be made qua future
    prospects. Accordingly, the monthly income of the injured needs
    to be taken as Rs.10,668/- (Rs.7620/- + Rs.3048/- which is 40%
    of Rs.7620/-).

    Anil Paswan Vs. Dharmender Rawat & Ors.

    [MACT No. 336/2022]                                 Page No.19 of 29
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     8.6(vii)        Thus, the total loss of earning capacity/loss of future
    

    earning would be Rs.10,24,128/- (Rs.10,668/-x 12 x 16 x
    50/100).

    PAIN & SUFFERINGS
    8.7(i) Pain & suffering is a non pecuniary loss and cannot
    be arithmetically calculated. It is a settled law that while
    assessing compensation payable to petitioners on account of pain
    & suffering, special circumstances of claimant have to be taken
    into account including victim’s age, the unusual deprivation
    suffered by victim and effect thereof on his future life, nature of
    injury, parts of the body affected by the injury, surgery
    undergone, confinement in hospital, duration of treatment etc.
    The nature of the injuries suffered by the petitioner, the treatment
    undergone by him, the period of hospitalization and the
    permanent disability of the petitioner has already been discussed
    in the foregoing part of this judgment. As per the medical record
    of the petitioner, as already discussed above, the petitioner had
    suffered multiple fractures in the knees and the ribs and had to
    undergo surgical procedures for implants etc. As per the
    discharge summary of Ortho Care Hospital, New Delhi, the
    petitioner had pain in his knee even after the passage of around
    20 months after his treatment and was unable to move his foot
    upward. In 2021, the petitioner had to again undergo a surgery
    for removal of implant. Thus, clearly, the petitioner must have
    suffered acute pain & suffering during the treatment as well as
    post treatment during the time of recovery.

    8.7(ii) Further, the petitioner was 33 years of age at the
    time of accident and has suffered 29% permanent disability in

    Anil Paswan Vs. Dharmender Rawat & Ors.

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                                                                   GUPTA
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     relation to right lower limb.             As per the diagnosis in the
    

    permanent disability report of the petitioner as well as the
    discharge summary of Ortho Care Hospital, New Delhi, the
    petitioner also had a foot drop (right). With the said disability,
    with no chance of improvement, the petitioner would not be able
    to lead the same life as he used to before the accident. There will
    always be a feeling of loss. His disabilities may affect him
    worsely in the future years of his life.

    8.7(iii) In view of the same and considering the nature of
    the injuries, the suffering and the trauma undergone by him, the
    petitioner is held entitled for a compensation of Rs.70,000/-
    towards pain and sufferings to the petitioner.
    LOSS OF AMENITIES OF LIFE AND LOSS OF
    EXPECTATION OF LIFE
    8.8(i) The petitioner has suffered 29% permanent disability
    in relation to left upper and lower limb. The functional disability is
    assessed at 50% in this award.

    8.8(ii) When a person suffers from a disability, less or more,
    the same definitely impacts the mental psychology of the victim
    and causes mental trauma and feeling of loss. The person who
    suffers a disability definitely cannot lead his life in the same
    manner with same freedom as he used to before the accident. A
    person with disability as in the present case may become dependent
    upon others for his routine activities. In the facts of the present case
    and considering that the petitioner was 33 years of age at the time
    of accident, this Tribunal deems it appropriate to grant a notional
    sum of Rs.1,00,000/- towards loss of amenities of life to the
    petitioner. A notional sum of Rs.1,00,000/- is granted to the
    petitioner for loss of expectancy of life.

    Anil Paswan Vs. Dharmender Rawat & Ors.

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     COMPENSATION ON DISFIGUREMENT
    8.9              As per the diagnosis in the permanent disability
    

    report of the petitioner as well as the discharge summary of
    Ortho Care Hospital, New Delhi, the petitioner also had a foot
    drop (right). In view of the same, the petitioner is held entitled
    for a compensation of Rs.1,00,000/- under this head.
    SPECIAL DIET
    8.10 The nature of injuries and treatment undergone by
    the injured has already been discussed in the foregoing part of the
    judgment. Thus, considering the same and further considering
    that the petitioner must have required a long time to recover from
    the injuries and would have required a protean rich diet, this
    Tribunal deems it fit to grant compensation of Rs.1,00,000/-
    towards expenses incurred on special diet.

    ATTENDANT CHARGES
    8.11 Considering the nature of injuries suffered by
    petitioner which have already been discussed in the foregoing part
    of the award, this Tribunal is of the opinion that the petitioner must
    have required the assistance of some attendant during the period of
    hospitalization and recovery, may be that of his family members. It
    is a settled law that for grant of compensation for attendant charges,
    the necessity of employment of the attendant is not required and the
    petitioner is required to be compensated even for value of services
    of his family members. (refer: DTC & Ors. vs. Lalita, 1983 ACJ

    253). Accordingly, this Tribunal deems it appropriate to grant
    compensation of Rs.1,00,000/- towards attendant charges.

    CONVEYANCE CHARGES
    8.12 Though there is no cogent evidence on record of
    money spent by the petitioner upon conveyance, yet considering the

    Anil Paswan Vs. Dharmender Rawat & Ors.

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                                                                        GUPTA
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    nature of injuries suffered by the injured/petitioner and the follow
    up treatment taken at different hospitals for around 21 months, this
    Tribunal grants compensation of Rs.1,00,000/- towards expenses
    incurred on conveyance.

    THE TOTAL COMPENSATION AWARDED                                TO    THE
    PETITIONER IS AS UNDER:-
    
      S.No.       Heads of Compensation             Amount in Rupees
        1.     Reimbursement of medical               Rs.13,474/-
               expenses
         2.    Compensation on account of                   Nil
               future treatment
         3.    Loss of Income during                   Rs.1,60,020/-
               treatment period
         4.    Loss of earning capacity               Rs.10,24,128/-
         5.    Pain and Suffering                      Rs.70,000/-
         6.    Loss of amenities of life              Rs.1,00,000/-
         7.    Loss of expectation of life            Rs.1,00,000/-
         8.    Disfigurement                          Rs.1,00,000/-
         9.    Special Diet                           Rs.1,00,000/-
         10.   Attendant charges                      Rs.1,00,000/-
         11.   Conveyance                             Rs.1,00,000/-
                           Total                      Rs.18,67,622/-
    
    
    

    9. In view of the above discussions, the petitioner is held
    entitled to a compensation amount of Rs.18,67,622/- (Rupees
    Eighteen Lakhs Sixty Seven Thousand Six Hundred and
    Twenty Two Only) in favour of the petitioner against the
    respondents.

    LIABILITY :

    10. The respondent no.1 being the driver & respondent
    no.2 being the owner of the offending vehicle are held jointly and
    severally liable to pay the award amount to petitioner. However, in
    view of the foregoing discussions and since the offending vehicle
    was insured with respondent no.3 at the time of accident, the

    Anil Paswan Vs. Dharmender Rawat & Ors.

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    respondent no.3 is held liable to indemnify the respondent no.2 in
    respect of above liability.

    RELIEF/ISSUE NO.03

    11. In view of the above findings, this Tribunal hereby
    passes an award of Rs.18,67,622/- (Rupees Eighteen Lakhs
    Sixty Seven Thousand Six Hundred and Twenty Two Only)
    along with interest at the rate of 9% per annum from the date of
    filing the claim petition/DAR i.e. 25.04.2022 till the date of the
    payment of the award amount (excluding interest w.e.f.
    20.03.2023 to 08.04.2025 which was closed vide order dated
    20.03.2023) to be paid by the respondent No.03/Insurance
    Company. Respondent no.3/Insurance Company is hereby directed
    to deposit the award amount in favour of the petitioner(s) with
    State Bank of India, Tis Hazari Courts, Delhi in MACT Account of
    this Tribunal having Account No.40711767202, CIF
    No.90891362578, IFSC Code – SBIN0000726, Tis Hazari Courts,
    Delhi within a period of 30 days from the date of passing of this
    award together with the interest as stated herein above under
    intimation to this Tribunal and under intimation to the petitioners.
    In case of any delay, it shall be liable to pay interest at the rate of
    12% per annum for the period of delay.

    APPORTIONMENT & DISBURSEMENT OF AWARD
    AMOUNT
    12.1 Statement of the petitioners in terms of provisions of
    MCTAP was recorded on 02.09.2025 having regard to the facts
    and circumstances of the case and in view of the said statement,
    the compensation to the petitioners shall be distributed/disbursed
    as follows:-

    Anil Paswan Vs. Dharmender Rawat & Ors.

    [MACT No. 336/2022]                                    Page No.24 of 29
    
                                                        GUNJAN                Digitally signed by
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     Sr. Name Age/ Relatio               Award          Amount          Amount             Period of
    No     of   DOB n with              Amount         of award        kept in           FDRs with
     . petition     injured                              to be          FDRs             cumulative
           er/         /                               released                            interest
        claiman     decease
            t          d
    1.    Anil DOB:          Self     Rs.18,67,622 3,67,622/- 15,00,000/- Rs.
         Paswan 01.01                      /-                 along with 15,00,000/-
                .1987                                           accrued   along      with
                                                                interest  accrued
                                                                          interest shall
                                                                          be kept in the
                                                                          form of FDRs
                                                                          (fixed deposit
                                                                          receipts)     in
                                                                          the multiples
                                                                          of Rs.20,000/-
                                                                          each for a
                                                                          period of one
                                                                          month,      two
                                                                          months and
                                                                          three months
                                                                          and so on and
                                                                          so        forth,
                                                                          having
                                                                          cumulative
                                                                          interest.
             TOTAL                   Rs.18,67,622/-
    
    
           12.2            The amount of FDRs on maturity shall directly be
    

    released in petitioner’s Saving Bank Account.
    12.3 All the FDRs to be prepared as per aforesaid
    directions, shall be subject to the following conditions:-

    (a) The Bank shall not permit any joint name(s) to be added in the
    savings bank account or fixed deposit accounts of the claimant(s)
    i.e. the savings bank account(s) of the claimant(s) shall be an
    individual savings bank account(s) and not a joint account(s).

    (b) The original fixed deposit shall be retained by the bank in safe
    custody. However, the statement containing FDR number, FDR
    amount, date of maturity and maturity amount shall be furnished
    by bank to the claimant(s).

    (c) The maturity amounts of the FDR(s) be credited by Electronic
    Clearing System (ECS) in the MACT bank account of the claimant

    Anil Paswan Vs. Dharmender Rawat & Ors.

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           (s) near the place of their residence.
    

    (d) No loan, advance, withdrawal or pre-mature discharge be
    allowed on the fixed deposits without permission of the Court.

    (e) The concerned bank shall not issue any cheque book and/or
    debit card to claimant(s). However, in case the debit card and/or
    cheque book have already been issued, bank shall cancel the same
    before the disbursement of the award amount. The bank shall debit
    card (s) freeze the account of the claimant(s) so that no debit card
    be issued in respect of the account of the claimant(s) from any
    other branch of the bank.

    (f) The bank shall make an endorsement on the passbook of the
    claimant(s) to the effect that no cheque book and/or debit card
    have been issued and shall not be issued without the permission of
    the Court and claimant(s) shall produce the passbook with the
    necessary endorsement before the Court on the next date fixed for
    compliance.

    (g) It is clarified that the endorsement made by the bank along with
    the duly signed and stamped by the bank official on the
    passbook(s) of the claimant(s) is sufficient compliance of clause

    (g) above.

    13. Concerned Manager, State Bank of India, Tis Hazari
    Courts Branch is directed to transfer the award amount, in the
    above-mentioned manner, as per award in the saving bank
    account of claimant/petitioner, on completing necessary
    formalities as per rules.

    14. Copy of this award alongwith one photograph,
    specimen signature, copy of bank passbook and copy of
    residence proof of the petitioner, be sent to Nodal Officer of State
    Bank of India, Tis Hazari Courts Branch, Delhi for information
    and necessary compliance.

    15. Nazir of this Court shall prepare a separate file
    regarding the status of deposition/non-deposition of the award
    amount by the respondent(s) after making necessary entry on CIS
    on 07.08.2026.

    16. A digital copy of this award be given to the parties
    free of cost through email.

    Anil Paswan Vs. Dharmender Rawat & Ors.

    [MACT No. 336/2022]                                           Page No.26 of 29
    
                                                              GUNJAN Digitally signed by
                                                                     GUNJAN GUPTA
    
                                                              GUPTA Date:  2026.07.06
                                                                     17:13:11 +0530
    

    17. Ahlmad staff is directed to send the copy of award
    to Ld. Judicial Magistrate First Class concerned and Delhi Legal
    Services Authority as per the procedure of Modified Claims
    Tribunal Agreed Procedure (MCTAP).

    18. Ahlmad staff is also directed to e-mail an
    authenticated copy of the award to the insurer as directed by the
    Hon’ble Supreme Court of India in WP (Civil) No. 534/2020
    titled as “Bajaj Allianz General Insurance Co. Pvt. Ltd. Vs.
    Union of India & Ors.
    ” decided on 16.03.2021. Ahlmad shall
    also e-email an authenticated copy of the award to Branch
    Manager, State Bank of India, Tis Hazari Court Complex Branch
    for information.

    19. File be consigned to Record Room after due
    compliance.

    Announced in the open Court
    on 2nd of July, 2026
    (GUNJAN GUPTA)
    District Judge-cum-PO:MACT-01,
    West/THC/Delhi/02.07.2026

    Anil Paswan Vs. Dharmender Rawat & Ors.

    [MACT No. 336/2022]                                   Page No.27 of 29
                                                         GUNJAN Digitally signed by
                                                                GUNJAN GUPTA
    
                                                         GUPTA Date:  2026.07.06
                                                                17:13:14 +0530
                               FORM-XVI
    

    SUMMARY OF THE COMPUTATION OF AWARD AMOUNT IN
    INJURY CASE

    1. Date of accident : 03.03.2020

    2. Name of the injured : Anil Paswan

    3. Age of the injured : DOB: 01.01.1987

    4. Occupation of the injured : Not proved

    5. Income of the injured : Rs.7620/-

    6. Nature of injury : Grievous

    7. Medical treatment taken : 03.03.2020 to 02.12.2021

    8. Period of Hospitalization : 03.03.2020 to 21.03.2020
    and 20.11.2021 to
    21.11.2021

    9. Whether any permanent
    disability ? :

    If yes, give details : 29% permanent disability
    in relation to right lower
    limb

    10. Computation of Compensation
    S.N Heads Awarded by the Tribunal
    o.

    11. Pecuniary Loss :-

    (i) Expenditure on treatment Rs.13,474/-

    (ii) Expenditure on conveyance Rs.1,00,000/-

    (iii) Expenditure on special diet Rs.1,00,000/-

    (iv) Cost of nursing/attendant Rs.1,00,000/-

    (v) Loss of earning capacity Rs.10,24,128/-

      (vi) Loss of Income                          Rs.1,60,020/-
      (vii) Any other loss which may                    Nil
            require     any      special
            treatment or aid to the
            injured for the rest of his
            life
       12. Non-Pecuniary Loss :-
       (i) Compensation for mental                       NIL
            and physical shock
       (ii) Pain and suffering                       Rs.70,000/-
      (iii) Loss of amenities of life               Rs.1,00,000/-
      (iv) Dis-figuration                           Rs.1,00,000/-
       (v) Loss of marriage prospects                    NA
      (vi) Loss        of      earning,                  NA
            inconvenience, hardships,
            disappointment, frustration,
            mental stress, dejectment
    
    

    Anil Paswan Vs. Dharmender Rawat & Ors.

    [MACT No. 336/2022]                                    Page No.28 of 29
                                                         GUNJAN Digitally signed by
                                                                GUNJAN GUPTA
    
                                                         GUPTA Date:  2026.07.06
                                                                17:13:17 +0530
               and unhappiness in future
              life etc.
    

    13. Disability resulting in loss of earning capacity :-

    (i) Percentage of disability 29% permanent disability in
    assessed and nature of relation to right lower limb
    disability as permanent or
    temporary

    (ii) Loss of amenities or loss of Rs. 1,00,000/- (Expectation of
    expectation of life span on Life)
    account of disability

    (iii) Percentage of loss of 50%
    earning capacity in relation
    to disability

    (iv) Loss of future income – As above.

              (Income       x%     Earning
              Capacity x Multiplier)
      14.     TOTAL COMPENSATION                      Rs.18,67,622/-
      15.     INTEREST AWARDED                         9% per annum
      16.     Interest amount up to the                Rs.3,59,050/-
              date of award                  (w.e.f. 25.04.2022 to 02.07.2026
                                                 excluding interest w.e.f.
                                                20.03.2023 to 08.04.2025
                                               which was closed vide order
                                                dated 20.03.2023 i.e. i.e. 2
                                         years 1 month and 19 days)
      17.     TOTAL          AMOUNT             Rs.22,26,672/-
              INCLUDING INTEREST       (Rs.18,67,622/- + Rs.3,59,050/-)
      18.     Award amount released             Rs.3,67,622/-
    

    19. Award amount kept in Rs.15,00,000/- including accrued
    FDRs interest

    20. Mode of disbursement of Mentioned in the award
    the award amount to the
    claimant (s).

    21. Next date for compliance 07.08.2026
    of the award.

    (GUNJAN GUPTA)
    District Judge-cum-PO:MACT-01,
    West/THC/Delhi/02.07.2026

    Anil Paswan Vs. Dharmender Rawat & Ors.

    [MACT No. 336/2022]                                      Page No.29 of 29
    
                                                            GUNJAN Digitally signed by
                                                                   GUNJAN GUPTA
    
                                                            GUPTA Date:  2026.07.06
                                                                   17:13:20 +0530
     



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