Satyapal And Ors (Lrs Of Nepal Singh) vs Suraj on 10 July, 2026

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    Delhi District Court

    Satyapal And Ors (Lrs Of Nepal Singh) vs Suraj on 10 July, 2026

    MACP No. 467/19; FIR No. 83/19; PS. Narela                                          DOD: 10.07.2026
    
    
    
       IN THE COURT OF MS. RICHA MANCHANDA, PRESIDING
          OFFICER, MOTOR ACCIDENT CLAIMS TRIBUNAL,
              NORTH DISTRICT, ROHINI COURTS, DELHI
    MAC Petition No. 467/19
    UID/CNR No. DLNT01-007529-2019
    
              Sh. Satyapal,
              S/o Sh. Tara Chand,
              R/o Village Nanhera Khurd Aahat,
              Saharanpur, Baheda,
              UP.
              (Father of deceased)
                                                                         ..........Petitioners
                                                 VERSUS
    1.        Sh. Suraj,
              S/o Sh. Satish,
              R/o H.No. 339,
              Dahisra,
              Sonipat,
              Haryana.
              (Driver)
    
    2.        Sh. Ashok Kumar,
              S/o Sh. Chander,
              R/o H.No. 224,
              Balmiki Palla,
              Alipur,Delhi.
              (Registered owner)
    
    3.        TATA AIG General Insurance Co. Ltd.
              DTJ-415, 4th Floor,
              DLF Tower B, Jasola District Center,
              New Delhi.
              (Insurer)
                                                   ............Respondents

    Satyapal Vs. Suraj & Ors. Judge MACT -02(North) Page 1 of 37

    MACP No. 467/19; FIR No. 83/19; PS. Narela DOD: 10.07.2026

    SPONSORED

    Date of Institution : 07.08.2019
    Date of Arguments : 10.07.2026
    Date of Judgment : 10.07.2026

    APPEARENCE(S):

    Sh. Giriraj Singh, Ld. Counsel for petitioners/Lrs of deceased.
    Sh. Abhinav Shrivastav, Ld. Counsel for driver and owner.
    Ms. Shivani Kaushik, Ld. Counsel for insurance company.

    Petition under Section 166 & 140 of M.V. Act, 1988
    for grant of compensation

    AWARD

    1. By way of present judgment/award, I shall dispose of the
    DAR for compensation to LRs of the deceased Nepal Singh qua the fatal
    injury suffered by him in the road accident on 10.03.2019 at about 05:30
    am, on the Narela to Singhu Border road, near Ramdev Chowk, Narela,
    Delhi within the jurisdiction of PS Narela, involving alleged offending
    vehicle, motorcycle bearing registration no. DL 11SX 0347 which was
    being driven in a rash and negligent manner by its driver Suraj
    (Respondent no.1 herein) , owned by Ashok Kumar (Respondent no.2)
    and insured with TATA AIG GeneralCompany Ltd. ( Respondent no.3) at
    the time of accident.

    2. The concise material facts relevant to decide the present
    claim are that on 10.03.2019, on receiving DD no.35A regarding

    Satyapal Vs. Suraj & Ors. Judge MACT -02(North) Page 2 of 37
    MACP No. 467/19; FIR No. 83/19; PS. Narela DOD: 10.07.2026

    admission of deceased Nepal Singh in hospital, police officials reached
    the hospital where he was declared dead. Statement of eye witness Vishal
    @ Monu was recorded in the hospital who stated that on 10.03.2019 at
    about 05:30 am he along with deceased and Suraj were returning on
    motorcycle after attending a marriage and the same was being driven by
    Respondent no.1. Deceased and him were pillion riders where deceased
    was sitting in the middle. He stated that near the spot the motorcycle
    dashed against the road divider and motorcycle slipped. They all fell
    down and head of deceased struck against the tree and he became
    unconscious. He and Suraj took the deceased to hospital where he was
    declared dead. He stated that the accident took place due to rash and
    negligent driving of Suraj ( Respondent no.1) The FIR no. 83/19 u/s
    279
    ,304A IPC was registered. The petitioners have claimed that the
    accident has taken place due to rash and negligent driving of respondent
    no. 1 involving the offending vehicle bearing registration no. DL 11SX
    0347 owned by respondent no.2 and insured with respondent no.3.

    Charge sheet was also filed by the IO against respondent no.1 in the
    court of concerned Ld. JMFC.

    3. Respondent no. 1 & 2 filed their joint written statement
    stating Respondent no.1 was not driving the vehicle and rather the
    deceased was driving the vehicle. It is stated that vehicle was borrowed
    by Monu@Vishal and after attending marriage, deceased was driving the

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    MACP No. 467/19; FIR No. 83/19; PS. Narela DOD: 10.07.2026

    vehicle at the time of accident. It is stated that the IO has falsely stated
    name of respondent no. 1 as the driver of the vehicle. It is further stated
    respondent no.2 gave the vehicle to Vishal @ Monu upon seeing his
    Driving License. Therefore they prayed for dismissal of petition.

    4. Respondent no.3 filed written statement stating that driver
    of offending vehicle was not having valid Driving License at the time of
    accident therefore there is no liability of insurance company. It is further
    stated that there is no dependent on the deceased as the only LRs are
    father and brother and they both are major and earning. However they
    admitted the valid insurance policy of the offending vehicle at the time
    of accident

    5. From the pleadings of the parties and the documents,
    following issues were framed vide order dated 25.09.2019 :-

    1) Whether the deceased Nepal died in road traffic
    accident on 10.03.2019 at 06:00 am at Main road,
    near Ramdev Chowk, Delhi within the jurisdiction
    of PS Narela, due to rash and negligent driving of
    motorcycle no. DL11 SX 0347 by its driver namely
    Suraj / R1 owned by Sh Ashok Kumar /R2 and
    insured with TATA AIG General Insurance
    Company Ltd/R3? OPP.

    2) Whether the LRs of the deceased are entitled to
    any compensation, if so, to what amount and from
    whom ? OPP

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    3)Relief

    6. To substantiate their claim, the petitioners have examined
    two witnessi.e., PW1 Satyapal (Father of the deceased) and PW2 SI Anil
    Kumar/IO. PE was closed on 09.10.2024. On the other hand,
    Respondents no.1 &2 have not lead any evidence in the support of their
    contentions. Respondent no.3 examined R3W1 and RE was closed on
    06.08.2025.

    7. This Tribunal has carefully perused DAR, evidence led by
    petitioners has been duly appreciated. All documents and material relied
    upon perused and considered. Arguments addressed by counsels for the
    petitioners and insurance company considered. Legal position, both
    statutory and binding applicable precedents, has been appreciated. The
    issue wise determination is as under:-

    ISSUE NO. 1

    8. The onus to prove the aforesaid issue was placed on the
    petitioner. PW2 has deposed on the lines of averments made in DAR. In
    his cross examination he stated that he recorded the statement of the
    eyewitness Monu@Vishal on the same day of the accident in the hospital
    but had not arrested the accused Suraj though he was present in the
    hospital. He denied the suggestion that he had not arrested Suraj as there
    was no negligence of Suraj.

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    9. Nothing has come out in the cross examination of PW2 so
    as to discredit his testimony. The delayed arrest (2 days after the
    accident) of the respondent no.1 cannot be seen as an advantage to him
    for the reason that despite filing of chargesheet and FIR against him, no
    steps were ever taken by him against false implication. He has also not
    bothered to enter the witness box in the present case. Nothing has been
    brought on record to disprove the investigation conducted by the IO.

    10. Regarding non examination of eye witness , it is well settled
    legal position as laid down by Hon’ble Apex Court as well as by various
    High Courts in plethora of judgments delivered from time to time that in
    claim petitions preferred U/s 160/144 M.V Act, the claimants have to
    prove on the basis of preponderance of probabilities that accident was
    caused due to rash and negligent driving of alleged offending vehicles by
    its drivers. Same is the essence of legal position discussed by Hon’ble
    Apex Court in celebrated case of Meena Variyal mentioned supra. At the
    same time, it is no more res-integra that claim petition filed under
    relevant provisions of M.V Act, is the outcome of social welfare
    legislation and the proceedings are summary in nature and do not require
    strict compliance of rules of evidence and pleadings. It needs no
    emphasis that in case replies filed by respondents, are evasive then it is
    deemed that they have admitted the averments made by the claimants.
    The purpose of granting compensation is to ameliorate the sufferings of

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    the victims of Motor Vehicle Accidents and the niceties, hyper
    technicalities, procedural wrangles and tangles and mystic maybes have
    no role to play and same should not be any ground to dismiss the claim
    petitions and to defeat the rights of the claimants. While saying so, I am
    fortified by the decisions rendered by Hon’ble Apex Court in the cases
    titled as ” N.KV. Bros (P) Ltd Vs. M. Karumai Ammal“, 1980 ACJ 435
    (SC); ” Sohan Lal Passi Vs. P. Sesh Reddy“, 1996 ACJ 1044 (SC) and “

    Dulcina Fernandes Vs. Joaquim Xavier Cruz“, 2013 ACJ 2712 (SC) . It is
    also relevant to mention here that while deciding claim petition under
    M.V Act, it is the duty of Claims Tribunal to follow the principles of
    justice, equity and good conscience and to adopt more realistic,
    pragmatic and liberal approach.
    Reliance is also placed on judgment
    passed in case titled “Ranjeet & Anr. Vs. Abdul Kayam Neb & Ors.”,
    SLP( C ) No.
    10351/2019 decided on 25.02.2025, by Hon’ble Apex
    Court. 16.
    The aforesaid issue later on came up for discussion before
    Hon’ble Apex Court in the case of “Vimla Devi & Ors. Vs. National
    Insurance Company Limited & Ors.”, Civil Appeal No.
    11042 of 2018 ,
    decided on 16.11.18. After referring to the previous judicial precedents
    on the point in issue and the fact that M.V. Act is a social welfare
    legislation, Hon’ble Apex Court held in para 29 of its judgment as
    under:-

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    MACP No. 467/19; FIR No. 83/19; PS. Narela DOD: 10.07.2026

    xxxxx

    29. In our view, what more documents could be
    filed then the documents filed by the appellants to
    prove the factum of the accident and the persons
    involved therein.

    xxxxx

    11. In the above cited decision, the claimants had not examined
    any eyewitness. Still, Hon’ble Apex Court held that in view of filing of
    criminal case record including charge-sheet showing that driver of
    alleged offending vehicle had been charge-sheeted for causing the
    accident due to rash and negligent driving of said vehicle and the driver
    himself did not enter into witness box, claimants were able to prove the
    issue of accident being caused due to rash and negligent driving of said
    vehicle by said driver on the basis of pre-ponderance of the probabilities.

    12. Now, turning back to the facts of the present case. No doubt,
    the petitioners have not examined any eye witness to prove the
    negligence on the part of driver of the alleged vehicle described above
    but nevertheless, there is ample material brought on record during the
    course of inquiry, which is sufficient to establish that the accident had
    taken place due to rash and negligent driving of offending vehicle by its
    driver/Respondent no. 1.

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    MACP No. 467/19; FIR No. 83/19; PS. Narela DOD: 10.07.2026

    13. Though petitioner has not examined any eye witness,
    However the FIR was recorded on the same day on the statement of
    eyewitness.

    14. After thorough investigation, IO concluded the same by
    filing of chargesheet against respondent no.1. There is no document to
    show that the respondent no.1 has filed any complaint qua his false
    implication.

    15. Further, respondent no. 1 has not shown any enmity with the
    petitioner so as to show any false implication by them. There is nothing
    on record to show that respondent no. 1 was in any way related to the
    petitioners so as to show any connivance

    16. There is no gainsaying that respondent No.1/driver of
    offending vehicle was the other material witness to throw light by
    testifying as to how and under what circumstances, the accident has
    taken place. However, he has preferred not to enter into the witness box.
    Thus, an adverse inference is liable to be drawn against him to the effect
    that the accident in question has taken place due to rash and negligent
    driving of the offending vehicle by the respondent no. 1. There is nothing
    on record to show that the petitioner had any enmity with the driver of
    the offending vehicle so as to falsely implicate him in this case. Reliance

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    placed on Cholamandalam MS General Insurance Co. Ltd. V. Kamlesh
    & Ors
    , MAC APP. No. 530/2008 passed by Hon’ble Delhi High Court on
    11.11.2008.

    17. Apart from above, Copy of MLC of deceased would show
    that he was admitted in the hospital on the same day of accident with
    alleged history of Road traffic accident and was declared dead. Copy of
    PM Report of deceased Nepal Singh shows death due to cerebral damage
    consequent to injury to the head. All injuries reported to be ante mortem
    in nature , fresh in duration prior to death caused by blunt force/surface
    impact. The injuries as noted in the relevant column as mentioned
    therein, are consistent with the injuries which are sustained in motor
    vehicular accident. Again, there is no challenge to the aforesaid
    document from the side of respondents

    18. In view of the aforesaid discussion and the evidence which
    has come on record, it is held that the petitioners have been able to prove
    on the basis of preponderence of probabilities that deceased Nepal Singh
    had sustained fatal injuries in road accident which took place on
    10.03.2019 near Ramdev Chowk, Narela, Delhi within the jurisdiction of
    PS Narela, involving alleged offending vehicle, motor cycle bearing
    registration no. DL 11SX 0347 which was being driven in a rash and
    negligent manner by its driver Suraj (Respondent no.1 herein) Thus,

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    issue no.1 is decided in favour of petitioners and against the
    respondents.

    ISSUE NO. 2

    19. Section 168 of the Motor Vehicle Act 1988 enjoins upon the
    Claims Tribunal to hold an inquiry into the claim to make an award
    determining the amount of compensation which appears to it to be just
    and reasonable. The guiding principles for assessment of “just and
    reasonable compensation” in fatal case has been laid down by Hon’ble
    Supreme Court of India, in case titled as Smt. Anjali & Ors., Vs.
    Lokendra Rathod & Ors
    , in Civil Appeal No. 9014 of 202, decided on
    06.12.2022 that: –

    “The provisions of the Motor Vehicles Act, 1988
    (for short, “MV Act“) gives paramount
    importance to the concept of ‘just and fair’
    compensation. It is a beneficial legislation which
    has been framed with the object of providing
    relief to the victims or their families. Section 168
    of the MV Act deals with the concept of ‘just
    compensation’ which ought to be determined on
    the foundation of fairness, reasonableness and
    equitability. Although such determination can
    never be arithmetically exact or perfect, an
    endeavor should be made by the Court to award
    just and fair compensation irrespective of the
    amount claimed by the applicant/s. In Sarla Verma
    & Ors. Vs. Delhi Transport Corporation & Anr.3
    ,
    this Court has laid down as under:

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    MACP No. 467/19; FIR No. 83/19; PS. Narela DOD: 10.07.2026

    “16.”Just compensation” is adequate
    compensation which is fair and equitable, on the
    facts and circumstances of the case, to make good
    the loss suffered as a result of the wrong, as far as
    money can do so, by applying the well settled
    principles relating to award of compensation. It is
    not intended to be a bonanza, largesse or source of
    profit.”

    20. The intent and objective of the Beneficial Legislation is to
    grant equitable compensation to the vulnerable victims of road accidents
    and dynamic law has evolved towards grant of just and fair quantum of
    awards and has brought consistency and uniformity towards the desired
    goal. The Hon’ble Apex Court in “Sarla Verma v. Delhi Transport
    Corporation
    ” (2009) 6 SCC 121, which was affirmed by a bench of three
    Hon’ble Judges in Reshma Kumari & Ors. Vs. Madan Mohan & Anr.,
    (2013) 9 SCC 65, held as under:

    “16. “Just compensation” is adequate compensation which
    is fair and equitable, on the facts and circumstances of the
    case, to make good the loss suffered as a result of the
    wrong, as far as money can do so, by applying the well
    settled principles relating to award of compensation. It is
    not intended to be a bonanza, largesse or source of profit.

    17. Assessment of compensation though involving certain
    hypothetical considerations, should nevertheless be
    objective. Justice and justness emanate from equality in
    treatment, consistency and thoroughness in adjudication,
    and fairness and uniformity in the decision making process
    and the decisions. While it may not be possible to have
    mathematical precision or identical awards, in assessing
    compensation, same or similar facts should lead to awards

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    in the same range. When the factors/inputs are the same,
    and the formula/legal principles are the same, consistency
    and uniformity, and not divergence and freakiness, should
    be the result of adjudication to arrive at just
    compensation…”

    21. The Hon’ble Apex Court has held that the compensation
    should be just and is not expected to be a windfall or a bonanza nor it
    should be niggardly or a pittance. Reliance is placed on 2012 (8) SLT
    676 titled K. Suresh Vs. New India Assurance Co. Ltd. The aforesaid
    Principle of law has also been reiterated by a landmark judgment of the
    Hon’ble Supreme court in 2017 (13) SCALE 12 : 2017 XI AD (SC) 113
    titled National Insurance Co. Ltd. Vs. Pranay Sethi and Ors.
    Accordingly
    , the quantum of appropriate and adequate compensation to
    the victims of road accident is to be derived after assessment of various
    relevant parameters, as per law. Hereinafter, assessment is divided into
    several criteria, as applicable to the facts of the present case.

    LOSS OF DEPENDENCY

    22. There are 2 claimants/ petitioners i.e. father and brother of
    the deceased. In his affidavit in evidence PW1 stated that apart from
    them there are no other legal heirs. It is further stated that deceased was
    27 yrs of age and was MA. B.Ed. He relied upon following documents :-

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    MACP No. 467/19; FIR No. 83/19; PS. Narela DOD: 10.07.2026

    S.No. Description of documents Remarks

    1. Copy of his Aadhaar Card Ex PW1/1(OSR)

    2. Copy of educational Ex.PW1/2(OSR)(objected to as to
    documents of the deceased the mode of proof)
    Nepal Singh

    3. Copy of Aadhaar Card of Ex.PW1/3(OSR)
    deceased

    4. DAR Ex.PW1/4(colly)

    23. Documents Ex PW1/2 (colly) were objected to mode of
    proof however the petitioner has not examined any witness to prove the
    said documents to remove the said objection. However considering that
    strict rules of evidence are not applied in MACT cases and that the said
    documents are educational documents of the deceased, the said objection
    is dismissed and the said documents are read for the purpose of this
    case.

    24. In his cross examination he stated that he has no document
    to show relationship of petitioner Jitender. He further stated that he is a
    farmer. He denied the suggestion that they were not financially
    dependent on the deceased.

    25. Apparently, nothing has been brought on record that Jitender
    was brother of deceased. Neither there is any identity proof on record nor
    he was examined as a witness. His name was also not mentioned in DAR
    as LR of the deceased. Hence he is not considered as dependent.

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    26. The learned counsel for the insurance company further made
    a strong pitch that father of deceased was not dependent upon the
    deceased as deceased was not contributing anything towards the family
    and as such he is not entitled to any compensation. As regards the
    dependency of father of deceased upon deceased, it is noted that in
    “Magma General Insurance Co. Ltd. V/s Nanu Ram”, (2018) 18 SCC
    130, the Hon’ble Supreme Court had reaffirmed the rights of parents to
    compensation in case of accidental death of a child. Furthermore, in case
    reported as, “(2021) 276 DLT 415”, titled as, “Indrawati V/s Ranvir
    Singh”, the Hon’ble High Court of Delhi has been pleased to hold as
    under:

    xxxxx

    12. This Court is of the view that the parents of the
    deceased are considered in law as dependent on their
    children, considering that the children are bound to
    support their parents in their old age, when the
    parents would be unable to maintain themselves and
    the law imposes a responsibility on the children to
    maintain their parents. Even if the parents are not
    dependent on their children at the time of the
    accident, they will certainly be dependent, both
    financially and emotionally, upon their children at
    the later stage of their life, as the children were
    dependent upon their parents in their initial years. It
    would therefore be unfair as well as inequitable to
    deny compensation for loss of dependency to a
    parent, who may not be dependent on his/her child

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    at the time of accident per se but would become
    dependent at his/her later age.

    xxxxx

    27. The contention of learned counsel for the insurance
    company to the effect that father of deceased should not be considered as
    dependent of deceased, stands rejected.

    28. Before arriving at any conclusion in respect of income of
    deceased, it is relevant to have a look on the observations made by
    Hon’ble High Court of Delhi in following two cases:

    a) MAC.APP No.136/2017, titled as, “New India Assurance
    Co. Ltd. V/s Dilip Kumar & Ors.” (Date of Decision:

    25.05.2018) and;

    b) MAC.APP No.376/2017, titled as, “Bharti AXA General
    Insurance Company Limited V/s Upender Kumar Shastri &
    Ors.” (Date of Decision: 07.03.2018).

    29. In case of New India Assurance Co.Ltd. V/s Dilip Kumar
    (supra), one Prateek, who had passed Class 12th with 82% marks and was
    pursuing B.Sc. (Nautical Sciences) six semsester course had met with a
    road traffic accident on 01.03.2012 and suffered 100% disability relating
    to post-traumatic paraplegia with B/B in involvement and loss of vision
    (left). Prateek was aged about 22 years at the time of accident. He
    ultimately succumbed to his injuries on 04.07.2014. The Hon’ble High

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    Court of Delhi after considering his professional qualification refused to
    take the minimum wages and instead went on to take the earning
    capacity of Prateek as Rs.25,500/- per month. The observations of
    Hon’ble High Court in this regard are re-produced hereunder:

    xxxxx

    16. The Claims Tribunal has taken the earning
    capacity of the deceased as Rs.40,000/- per month
    which is under challenge in this appeal. The law
    with respect to the earning capacity of a student
    pursuing a professional course is well-settled that
    the Claims Tribunal has to assess the earning
    capacity of the deceased considering the nature of
    the professional course being pursued by the
    deceased and the prospects of his income after
    completing the course. The relevant judgments on
    this principle are as under:

    16.1 In Oriental Insurance Company Ltd. v. Deo
    Patodi
    , (2009) 13 SCC 123, the accident dated
    12th June, 2003 resulted in the death of a 22 year
    old brilliant student who had completed Business
    Administration Course and had an offer of job
    from a US based company at the time of the
    accident. The Claims Tribunal took his earning
    capacity as Rs.18,000/- per month. The Supreme
    Court enhanced the earning capacity of the
    deceased from Rs.18,000/- per month to
    Rs.25,000/- per month.

    16.2 In New India Assurance Company Limited v.

    Ganga Devi, MANU/DE/3623/2009, the accident
    dated 12th August, 2003 resulted in the death of an
    MBBS graduate who was doing internship and

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    was getting a stipend of Rs.5,000/- per month. The
    Claims Tribunal took minimum wages of
    Rs.3,543/- per month in respect of a graduate. This
    Court rejected the principle of minimum wages
    applied by the Claims Tribunal and took the
    earning capacity of the deceased as Rs.18,000/-
    per month and added 50% was towards future
    prospects. This Court enhanced the compensation
    from Rs.9,60,352/- to Rs.21,36,000/-.

    16.3 In Ramesh Chand Joshi v. New India
    Assurance Company Limited MAC
    . APP. 212-
    13/2006 decided on 20th January, 2010, the
    accident dated 30th July, 2004 resulted in the
    death of a first year student of B. Tech in Delhi
    College of Engineering. The Claims Tribunal took
    the minimum wages of Rs.1,875/- per month which
    was challenged before this Court. This Court
    again rejected that principle of the minimum
    wages applied by the Claims Tribunal.
    Following
    the Supreme Court judgment in Deo Patodi,
    (supra), this Court assessed the earning capacity
    of the deceased after completing the graduation
    course to be Rs.38,333/- per month and the
    compensation was enhanced from Rs.3,25,000/- to
    Rs.22,78,980/-. The relevant portion of the
    judgment is as under:

    “7. The learned Tribunal has taken the notional
    income of the deceased as Rs.22,500/- per annum
    i.e. Rs.1,875/- per month which is less than even
    the minimum wages of a daily wager. The
    approach and finding of the learned Tribunal is
    absurd and without any basis. The law in this
    regard is well settled by catena of judgments. The

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    minimum wages are permissible to be taken where
    the deceased is illiterate and does not possess any
    professional or technical qualification. Where the
    deceased is educated or is pursuing the
    professional course, income has to be taken on the
    basis of his earning. Reference in this regard may
    be made to judgment of Oriental Insurance
    Company Ltd. v. Deo Pataudi
    , 2009 (8) Scale 194,
    in which case the deceased aged 22 years was a
    student having a brilliant career and offer of
    employment from a US Based Company at the time
    of accident. The learned Tribunal took his earning
    capacity to be Rs.18,000/- per month. The High
    Court in appeal upheld the earning capacity of the
    deceased at 18,000/- per month. The Hon’ble
    Supreme Court enhanced the earning capacity of
    the deceased from Rs.18,000/- to Rs.25,000/- per
    month.

    8. Section 168 of the Motor Vehicles Act provides
    that the learned Tribunal shall conduct an inquiry
    into the claim petition. Section 169 of the Motor
    Vehicles Act provides that the learned Tribunal
    shall follow such summary procedure as it deem fit
    to conduct such an inquiry. The inquiry stipulated
    in Section 168 of the Motor Vehicles Act is
    different from the civil trial. The learned Tribunal
    has not conducted any inquiry whatsoever for
    assessing the earning capacity of the deceased. Be
    that as it may, this Court in appellate jurisdiction
    has the same power of conducting such an enquiry
    into this matter and, therefore, vide order dated
    26th November, 2009, this Court issued a notice to
    the Dean of Delhi College of Engineering, Bawana
    to place on record the average salary of a fresh

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    Engineering graduate of Delhi College of
    Engineering, in pursuance to which the Joint
    Registrar of Delhi College of Engineering (now
    known as Delhi Technological University) has filed
    an affidavit along with the chart of average salary
    drawn by a fresh engineering graduates of Delhi
    College of Engineering. The chart contains the
    names of different Companies and salaries offered
    by them in the year 2009 to fresh graduates in Bio-
    Technology from Delhi College of Engineering.

    xxx xxx xxx

    9. The average salary of a graduate in Bio-
    Technology from Delhi College of Engineering
    during 2009 is 4.6 lacs per annum. The chart
    further shows that there were 18 eligible students
    who all got the job offers and the placement was
    100%. The chart further shows that the minimum
    salary offered was Rs.3. lacs per annum and
    highest salary offered to an Engineering graduate
    in Bio-Technology was Rs.9 lacs per annum. 10.
    From the inquiry conducted by this Court as to the
    earning capacity of the deceased, it is held that the
    earning capacity of the deceased after completing
    graduation course would have been Rs.4.6 lacs per
    annum i.e. Rs.38,333/- per month.” (Emphasis
    Supplied)

    16.4 In HDFC Ergo General Insurance Co. Ltd. v.
    Rattan Kumar Dwivedi
    , 2017 SCC OnLine Del
    9874, the accident dated 21st July, 2008 resulted
    in the death of a national level sportsperson who
    was a student of B. Com. (Hons.). The Claims
    Tribunal awarded Rs.10,40,000/- by taking the

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    earning capacity of the deceased as Rs.10,000/-
    per month which was challenged on the ground
    that minimum wages should have been applied by
    the Claims Tribunal. Applying the principles laid
    down by
    the Supreme Court in Municipal
    Corporation of Delhi v. Association of Victims of
    Uphaar Tragedy
    , AIR 2012 SC 100, this Court
    rejected the application of minimum wages to such
    cases. Considering the brilliant record of the
    student as a sportsperson, this Court determined
    the earning capacity of the deceased as
    Rs.25,000/- per month and enhanced the
    compensation from Rs.10,40,000/- to
    Rs.24,50,000/-. The relevant portion of the
    judgment is as under:

    “14. In the present case, the deceased Apoorva
    Dwivedi was a student of B.Com (Hons.) at Bharti
    College, Delhi University. She was a sports person
    having won 86 prizes/certificates in athletics, track
    and field, gymnastics, baseball, soft ball,
    basketball, cricket etc. The deceased had secured
    second place in team event at 40th Delhi State
    Gymnastics Championship, 2001; best athlete of
    the year 2003-2004 at school and zonal level and
    first position in baseball in 52nd National School
    Games conducted by School Games Federation of
    India held from 23rd December to 28th December,
    2006. The deceased was sports captain of Holy
    Child Senior Secondary School, Tagore Garden,
    New Delhi for the academic year 2007-08.
    Judicial notice is taken of the notifications for
    government job for sports persons as well as
    advertisements in private jobs for sports persons,
    under which a graduate sports person can secure a

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    job with a job in the pay scale of Rs.30,000/- to
    Rs.40,000/- per month. Considering that the
    deceased was a sports person with an
    extraordinary talent in various sports, namely,
    athletics, track and field, gymnastics, baseball, soft
    ball, basketball, cricket etc. and having been
    awarded 86 prizes/certificates, it is presumed that
    the deceased would have earned Rs.25,000/- per
    month after completing her graduation. Deducting
    50% towards the personal expenses of the
    deceased and applying the multiplier of 14
    according to the age of her mother, the loss of
    dependency is computed as Rs.21,00,000/-
    [(Rs.25,000- 50%)x12x14]. The compensation for
    loss of love and affection is enhanced from
    Rs.25,000/- to Rs.1,00,000/-; and compensation
    for pain and suffering is enhanced from
    Rs.25,000/- to Rs.1,00,000/-. Adding Rs.1,30,000/-
    towards medical expenses and Rs.20,000/- towards
    funeral expenses, total compensation is computed
    as Rs.24,50,000/- [21,00,000/- + 1,00,000/- +
    1,30,000/- + 1,00,000/- + 20,000/-]. The Claims
    Tribunal has awarded interest @ 7.5% per annum
    which is on a lower side considering that the
    Supreme Court as well as this Court are
    consistently awarding interest @ 9% per annum.
    The rate of interest is enhanced from 7.5% to 9%
    per annum.”

    16.5 In HDFC Ergo General Insurance Co. Ltd. v.
    Lalta Devi
    , 2015 ACJ 2526, the accident dated
    19th June, 2011 resulted in the death of a third
    year student of B. Tech. The Claims Tribunal
    awarded compensation of Rs.19,50,000/- by taking
    the earning capacity of the deceased as

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    Rs.25,000/- per month. The insurance company
    and the claimants both challenged the award
    before this Court. This Court held the earning
    capacity of the deceased to be Rs.26,815/- per
    month by relying on the basic pay of a junior
    engineer and the compensation amount was
    enhanced from Rs.19,50,000/- to Rs.22,94,871/-.

    16.6 In United India Insurance Company Limited
    v. Anita
    , 2017 SCC OnLine Del 11152, the accident
    dated 16th June, 2009 resulted in the death of a 21
    year old student of B. Tech. (Mechanical and
    Automation Engineering). The Claims Tribunal
    awarded Rs.34,65,689/- by taking the earning
    capacity of the deceased as Rs.26,815/- per month
    and 50% future prospects thereon, which was
    challenged by the insurance company. This Court
    upheld the award of the Claims Tribunal and
    dismissed the appeal. The relevant portion of the
    judgment is as under:

    “5. The Claims Tribunal took the income of the
    deceased as Rs.26,851/- following the judgment of
    this Court in HDFC Ergo General Insurance Co.
    Ltd. v. Lalta Devi
    , 2015 ACJ 2526 in which this
    Court took the income of a B.Tech third year
    student in a similar university as Rs.26,851/-
    according to the salary drawn by a Junior
    Engineer. The learned Tribunal has also taken into
    consideration that the deceased had passed the 5
    th semester in December 2008 and had received
    the approval for six weeks industrial training with
    Indian Airlines. The Claims Tribunal also
    considered the mark sheets of the deceased for 3rd,
    4th and 5th semester along with certificate of

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    excellence for 3rd semester and deceased had
    stood first in the 3rd semester examination in
    December, 2007. The Claims Tribunal also
    considered the statement of PW-2 who was a class
    fellow of the deceased and had initially joined
    Maxim Group in 2011 at a monthly salary of
    Rs.16,000/- as Production Engineer and thereafter,
    another company with a package of Rs.4,34,000/-
    per annum with 18% increment in the salary. 6.
    This Court is of the view that the income of the
    deceased computed by the Claims Tribunal and the
    future prospects added thereon are fair and
    reasonable and does not warrant any
    interference.”

    16.7 In Bharti AXA General Insurance Co. Ltd. v.
    Upender Kumar Shastri
    , 2018 SCC OnLine Del
    7855, the accident dated 01st September, 2014
    resulted in the death of an 18 years old student of
    B.A. (Hons.) in Kamla Nehru College, Delhi
    University. The Claims Tribunal awarded
    compensation of Rs.30,05,000/- by taking the
    earning capacity as Rs.40,000/- per month. This
    Court held that the earning capacity of Rs.40,000/-
    per month was on higher side and reduced the
    earning capacity of the deceased to Rs.27,600/-.
    The relevant portion of the judgment is as under:

    “2. The accident dated 01st September, 2014
    resulted in the death of Deepti. The deceased was
    aged 18 years at the time of the accident and was a
    student of B.A. (Hons) in Kamla Nehru College,
    Delhi University. The Claims Tribunal took the
    earning capacity of the deceased as Rs.40,000/-
    considering her brilliant academic record and her

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    aspiration to join Indian Police Service. Relevant
    portion of the award is reproduced hereunder: –

    “As far as the income of the deceased is
    concerned, admittedly she was a student when she
    met with an accident and died. In order to assess
    her notional income her academic record is
    required to be seen. PW-1 in his affidavit has
    alleged that he deceased was doing BA hon. 1st
    year course from Kamla Nehru College, she was
    brilliant in her studies and extraordinary in sport
    and since her childhood she was maintaining a
    good academic record and was doing very well at
    sports at state and national level and secured top
    positions. It is stated that the deceased has secured
    90% marks in her XIIth class and she secured 99%
    marks in Geography and secured all India top
    position, she was congratulated by the then HRD
    Minster Smt. Smriti Zuben Irani vide letter dated
    02.06.2014 i.e. Ex.PW1/5. It is stated that the
    deceased was sincere, hard working student and
    she was preparing for civil services examination
    as she wanted to join Indian Police Services. Her
    educational and sports record were proved as
    Ex.PW1/6 (Colly) which shows that the deceased
    was a brilliant student, both in education as well
    as in sports and it can be safely assumed that she
    was having a bright future. Her various
    certificates of merits have been proved on record
    with respect to her various achievements in sports
    and education. But it is known to all that life is full
    of probabilities and improbabilities and nothing
    can be said with certainly about anyone’s future
    and the same is with the deceased also but having
    regard to her achievements in her educational
    carrier as well as in supports and the fact that she

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    was studying in well reputed college of Delhi
    University, it can be said with certainly that had
    she lived longer she must have achieved success in
    her life. In the totality of facts and circumstances,
    of the case, the evidence on record and having
    regard to the uncertainities of life and the fact that
    the deceased was a girl and she would have
    married after completing her education and
    establishing in her carrier in all probabilities and
    the fact that her parents were not financially
    dependent upon her at the time of her death, I am
    of the opinion that it cannot be assumed at this
    stage that she in all circumstances, would have
    cleared civil services examination in future, but it
    can be said with some certainly that even if she
    would not have cleared he civil services
    examination, she would have had a great future.
    Even if she would have worked in a private sector
    or even if she would have cleared a clerical exam
    in Govt. Sector, after completing her education she
    must have got an initial salary of Rs.40,000/- per
    month. Therefore, the loss of estate would come to
    Rs.40,000/- x 12 x 18 = Rs.86,40,000/-. (Emphasis
    supplied)”

    xxx xxx xxx

    4. Learned counsel for the appellant in MAC APP.
    376/2017 urged at the time of hearing that the
    minimum wages be taken into consideration to
    compute the compensation. It is submitted that the
    earning capacity of Rs.40,000/- per month taken
    by the Claims Tribunal is on a higher side.

    xxx xxx xxx

    6. The present case relates to an accident dated
    01st September, 2014 whereas Rattan Kumar

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    Dwivedi (supra) related to the accident of the year
    2008. This Court is of the view that the earning
    capacity of Rs.40,000/- taken by the Claims
    Tribunal is on a higher side. The earning capacity
    of the deceased is reduced to Rs.27,600/- per
    month. The deceased was unmarried and,
    therefore, 50% has to be deducted towards her
    personal expenses. The deceased was 18 years of
    age, therefore the multiplier of 18 has to be
    applied according to the age of the deceased in
    terms of National Insurance Co. Ltd. v. Pranay
    Sethi
    2017 SCC Online SC 1270.”

    (Emphasis Supplied)

    17. There is no merit in the contention of the
    insurance company that the compensation be
    computed by taking the minimum wages of
    Rs.8,814/- per month as the income of the
    deceased. The law is well settled that it is not
    mandatory to resort to minimum wages to compute
    the compensation in each and every case.

    Reference is made to Municipal Corporation of
    Delhi v. Association of Victims of Uphaar Tragedy

    (supra), in which 59 persons died in 1997 and the
    Supreme Court granted compensation of
    Rs.10,00,000/- to the victims above 20 years of age
    by taking their income as Rs.8,333/- per month
    whereas the minimum wages at the relevant time
    were less than Rs.2600/- per month. The relevant
    portion of the judgment is as under:

    “38. … It can be by way of making monetary
    amounts for the wrong done or by way of
    exemplary damages, exclusive of any amount
    recoverable in a civil action based on tortuous

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    liability. But in such a case it is improper to
    assume admittedly without any basis, that every
    person who visits a cinema theatre and purchases
    a balcony ticket should be of a high income group
    person. In the year 1997, Rs. 15,000 per month
    was rather a high income. The movie was a new
    movie with patriotic undertones. It is known that
    zealous movie goers, even from low income
    groups, would not mind purchasing a balcony
    ticket to enjoy the film on the first day itself. To
    make a sweeping assumption that every person
    who purchased a balcony class ticket in 1997
    should have had a monthly income of Rs. 15,000
    and on that basis apply high multiplier of 15 to
    determine the compensation at a uniform rate of
    Rs. 18 lakhs in the case of persons above the age
    of 20 years and Rs. 15 lakhs for persons below
    that age, as a public law remedy, may not be
    proper. While awarding compensation to a large
    group of persons, by way of public law remedy, it
    will be unsafe to use a high income as the
    determinative factor. The reliance upon Neelabati
    Behera (AIR 1993 SC 1960 : 1993 AIR SCW 2366)
    in this behalf is of no assistance as that case
    related to a single individual and there was
    specific evidence available in regard to the
    income. Therefore, the proper course would be to
    award a uniform amount keeping in view the
    principles relating to award of compensation in
    public law remedy cases reserving liberty to the
    legal heirs of deceased victims to claim additional
    amount wherever they were not satisfied with the
    amount awarded. Taking note of the facts and
    circumstances, the amount of compensation
    awarded in public law remedy cases, and the need

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    to provide a deterrent, we are of the view that
    award of Rs. 10 lakhs in the case of persons aged
    above 20 years and Rs. 7.5 lakhs in regard to those
    who were 20 years or below as on the date of the
    incident, would be appropriate. We do not propose
    to disturb the award of Rs. 1 lakh each in the case
    of injured. The amount awarded as compensation
    will carry interest at the rate of 9% per annum
    from the date of writ petition as ordered by the
    High Court, reserve liberty to the victims or the
    LRs. of the victims as the case may be to seek
    higher remedy wherever they are not satisfied with
    the compensation. Any increase shall be borne by
    the Licensee (theatre owner) exclusively.”

    (Emphasis Supplied)

    xxxxx

    30. Somewhat, similar observations has been made by Hon’ble
    High Court of Delhi in case of Upender Kumar Shastri (supra), wherein
    the Hon’ble High Court has been pleased to take the earning capacity of
    a girl named Deepti, who suffered fatal injuries in road traffic accident
    on 01.09.2014 as Rs.27,600/- per month. She was aged about 18 years
    as the time of accident and a student of B.A (Hons.) in Kamla Nehru
    College, University of Delhi.

    31. Admittedly, the deceased was not working anywhere
    however, he had passed MA in Hindi from Delhi University in 1st
    division and had also passed 2nd Semester examinations of B.Ed. During
    the course of arguments it was admitted that deceased could not

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    complete B.Ed. It is also relevant to note here that deceased was only 27
    years of age at the time of accident and he could have sufficient
    opportunities to get the job in future if he would have survived. In view
    of the above judicial precedents and considering the exceptional
    qualification of deceased, this Tribunal is inclined to take his “earning
    capacity” as Rs. 22,000/- per month.

    32. As per his Aadhar card, deceased was residing in Uttar
    Pradesh, however as per the marksheet, he pursued his MA from
    University of Delhi in 2014-15 and his ID card from college from where
    he was pursuing B.Ed is also of Delhi, valid upto June 2018. Both his
    colleges were situated in Delhi. The accident took place on 10.03.2019
    and there is no document on record to show that he was resident of Delhi
    at the time of accident.

    33. As per his Aadhar card as well as educational documents on
    record his date of birth is 01.05.1992. Hence, it stands proved that he
    was 26 years 10 months of age at the time of accident. Hence, the
    multiplier of 17 would be applicable in view of the case “Sarla Verma
    Vs. Delhi Transport Corporation
    “, 2009 ACJ 1298 SC which has been
    reaffirmed by the pronouncement made by Constitutional Bench of Apex
    Court in the case titled as “National Insurance Company Ltd. Vs. Pranay
    Sethi & Ors.
    “, passed in SLP(Civil) No. 25590/14 decided on 31.10.17.

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    34. Considering the age of deceased, future prospects @ 40%
    has to be awarded in favour of petitioner in view of pronouncement
    made by Constitutional Bench of Apex Court in the case titled as
    National Insurance Company Ltd. Vs. Pranay Sethi & Ors.” Civil
    Appeal No.
    6961/2015 decided on 31.10.2017, as well as in view of
    decision of Hon’ble High Court of Delhi in appeal bearing MAC APP
    No. 798/2011 titled as “Bajaj Allianz General Insurance Company Ltd.
    Vs. Pooja & Ors
    “, decided on 02.11.17. 30.

    35. Considering the fact that deceased was unmarried and in
    view of the aforesaid discussion, there has to be deduction of one half as
    held in the case of Sarla Verma mentioned supra. Thus, the total of loss
    of dependency would come out to Rs. 31,41,600/- (Rs. 22,000/- X 1/2 X
    140/100 X 12 X 17). Hence, a sum of Rs. 31,41,600/- is awarded under
    this head in favour of the petitioners.

    LOSS OF CONSORTIUM

    36. In view of the judgment of Hon’ble Supreme Court of India
    in case titled as, Pranay Sethi case (supra), the Tribunal considers that
    petitioner/father of deceased is entitled for payment of Rs. 40,000/- each
    towards “loss of consortium”.
    By way of pronouncement of Pranay
    Sethi
    case (supra), the Hon’ble Supreme Court of India has been pleased
    to hold that there shall be an increase of 10% on account of ‘inflation’

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    after a period of three years. Applying, the afore-cited binding law the
    The Hon’ble Supreme Court in Hasina Yasmin & Ors. V. National
    Insurance Co. Ltd. & Anr., Special Leave Petition ( C ). No. 27285 of
    2025 vide judgment pronounced on 17.12.2025 has been pleased to
    direct the entitlement of dependents to 10% increase in the year 2020,
    only in those cases where the accident had occurred after 2017.
    Accordingly, petitioner/father of deceased is entitled to a sum of
    Rs. 40,000/- towards “loss of consortium” since the date of accident in
    the present matter is 10.03.2019.

    LOSS OF ESTATE & FUNERAL EXPENSES

    37. In view of the facts and circumstances of the present case
    and in view of decision of Hon’ble Apex Court in the case of Pranay
    Sethi
    (supra) which has been re-enforced in Hasina Yasmin (supra), the
    Tribunal considers that petitioner is also entitled for payment of
    Rs. 15,000/-on account of “loss of estate” and for equal payment of
    Rs. 15,000/- towards “funeral expenses” since the date of accident in the
    present matter is 10.03.2019.

    38. Therefore, on the basis of the above discussion, the
    compensation is quantified as below:

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    1. Loss of dependency Rs. 31,41,600/-

    2. Loss of Consortium Rs. 40,000/-

    3. Loss of Estate & Rs. 30,000/-

    Funeral Expenses
    Total Rs. 32,11,600/-

    Rounded off to Rs. 32,12,000/-

    39. This brings me down to the next question as to whether
    insurance company has been able to prove the statutory defence raised
    by it in its written statement, wherein it has claimed that respondent no. 1
    was not having valid DL at the time of accident in question. In order to
    substantiate the said plea, the insurance company has examined Sh.
    Aniket Sharma, Associate, Legal Claims, TATA AIG General Insurance
    Co. Ltd as R3W1. He deposed in his evidence by way of affidavit (Ex.
    R3W1/A) that respondent no. 1 was not having valid driving licence at
    the time of accident and thus, insurance company is not liable to pay any
    compensation to the petitioners. He has relied upon copy of insurance
    policy Ex. R3W1/2, copy of notice u/o 12 Rule 8 CPC Ex. R3W1/3;
    postal receipts in respect of dispatch of notice Ex. R3W1/4 and delivery
    report Ex. R3W1/5. During his cross-examination on behalf of
    petitioners, he admitted that the insurance policy of the offending vehicle
    was valid at the time of accident. He deposed that he was not present at

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    the spot at the time of accident. He deposed that he did not remember the
    date on which the insurance company had issued the notice u/o 12 Rule 8
    CPC
    to the driver and owner.

    40. As already noted above, the respondent no. 1/driver himself
    did not enter into witness box during the course of enquiry and he has
    failed to produce any valid DL in his favour as on the date of accident in
    question. Respondent no. 2 also failed to produce any valid DL in favour
    of respondent no. 1 as on the date of accident. Moreover, copy of charge-
    sheet filed in State case arising out of FIR No. 83/19 supra, would
    clearly show that respondent no. 1/driver namely Sh. Suraj also been
    chargesheeted for offence punishable u/s. 3/181 M.V. Act by
    investigating agency after conclusion of the investigation. Copy of said
    charge-sheet is also part of DAR, which carries presumption of
    genuineness of its contents as provided in Rule 7 of Delhi Motor
    Accident Claim Tribunal Rules, 2008. Even otherwise, the respondent
    no. 1 has not disputed the said document throughout the enquiry. Hence,
    I find substance in the submission made on behalf of insurance company
    that had there been any valid DL in favour of respondent no. 1 to drive
    the type of vehicle like the present one, copy thereof would have been
    provided by him to the police but no such copy of DL has been filed
    alongwith DAR or brought on record during the course of inquiry.

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    41. In view of the aforesaid discussion, I find substance in the
    plea raised on behalf of insurance company that for want of valid and
    effective DL in favour of respondent no. 1 being proved on record, it
    would be termed as breach in the terms and conditions of insurance
    policy. Thus, insurance company is entitled to recovery rights against
    both the respondents i.e. driver and registered owner jointly and
    severally. Issue no. 2 is decided accordingly.

    ISSUE NO. 3 RELIEF

    42. In view of my finding on issues no. 1 & 2, I award a sum of
    Rs. 31,12,000/- (including interim award amount, if any) alongwith
    interest @ 7.5% per annum w.e.f date of filing the claim petition i.e.
    07.08.2019 till the date of its realization, in favour of Lrs of
    deceased/petitioners and against the respondents. (Reliance placed on
    United India Insurance Co. Ltd. V. Baby Raksha & Ors, MAC APP. No.
    36/2023 passed by Hon’ble Delhi High Court on 21.04.2023).

    APPORTIONMENT

    43. Statement of petitioner was recorded on 21.05.2025 in
    compliance of directions of Hon’ble High Court of Delhi in FAO No.
    842/2023 in case titled Rajesh Tyagi & Ors. V. Jaibir Singh & Ors.,
    decided on 08.01.2021 as per clause 29 of MCTAP. Keeping in view the

    Satyapal Vs. Suraj & Ors. Judge MACT -02(North) Page 35 of 37
    MACP No. 467/19; FIR No. 83/19; PS. Narela DOD: 10.07.2026

    facts and circumstances of the case and the fact that petitioner is a senior
    citizen aged about 67 years, it is hereby ordered that a sum of
    Rs. 9,12,000/- (Rupees Nine Lakhs and Twelve Thousand Only) is
    directed to be immediately released to him through his saving bank
    account no. 32126383551 with State Bank of India, Budgaon, Tehsil
    Deoband, having IFSC Code SBIN0011462 and remaining amount is
    directed to be kept in the form of FDRs in the multiples of Rs. 30,000/-
    each for one month, two months, three months and so on and so forth,
    having cumulative interest. The said FDRs be released to the said
    petitioner on the monthly basis as aforesaid.

    44. Respondent no. 3/TATA AIG General Insurance Co. Ltd.,
    being insurer of the offending vehicle, is directed to deposit the aforesaid
    award amount in the aforesaid saving bank account of the claimant
    within 30 days from today failing which insurance company shall be
    liable to pay interest @ 12% p.a for the period of delay in terms of
    directions passed by Hon’ble Apex Court in its latest judgment titled
    Parminder Singh Vs. Honey Goyal & Ors.”, S.L.P. (C) No. 4484 OF
    2020, DOD:18.03.2025.

    45. Concerned Manager of petitioner’s bank is directed to
    release the amount to the petitioner as aforesaid, on completing
    necessary formalities as per rules. He is further directed to keep the

    Satyapal Vs. Suraj & Ors. Judge MACT -02(North) Page 36 of 37
    MACP No. 467/19; FIR No. 83/19; PS. Narela DOD: 10.07.2026

    remaining amount in fixed deposit, if any, in terms of aforesaid
    directions and send compliance report to this Court. He is also directed
    to ensure that no loan, advance or pre-mature discharge be allowed on
    the fixed deposits without permission of the Court. Copy of the award be
    given dasti to the petitioners and also to counsel for the insurance
    company for compliance. Petitioners are also directed to provide copy of
    this award to their bank Manager for compliance. Form XV & Form
    XVII in terms of MCTAP are annexed herewith as Annexure-A. Copy of
    order be also sent to concerned CJM/JMFC and DLSA as per clause 31
    and 32 of MCTAP.

    Digitally signed
    by RICHA

                                                                         RICHA     MANCHANDA
                                                                         MANCHANDA Date:
    Announced in the open                                                          2026.07.10
                                                                                   15:42:33 +0530
    Court on 10.07.2026
                                                                     (RICHA MANCHANDA)
                                                                       Judge MACT-2 (North)
                                                                         Rohini Courts, Delhi
    
    
    
    
    Satyapal Vs. Suraj & Ors.                    Judge MACT -02(North)             Page 37 of 37
     



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