MAC.APP.No.406/2009 Page 1 of 5 22 * IN THE HIGH COURT OF DELHI AT NEW DELHI + MAC.APP.No.406/2009 % Date of decision: 26th October, 2009 HARVINDER SINGH ..... Appellant Through : Mr. B.P. Shukla, Adv. versus NATIONAL INSURANCE CO. LTD. ..... Respondent Through : Mr. Pradeep Gaur and Mr. Amit Kumar Pandey, Adv. CORAM :- THE HON'BLE MR. JUSTICE J.R. MIDHA 1. Whether Reporters of Local papers may YES be allowed to see the Judgment? 2. To be referred to the Reporter or not? YES 3. Whether the judgment should be YES reported in the Digest? JUDGMENT (Oral) 1. The appellant has challenged the award of the learned Tribunal whereby the compensation of Rs.4,000/- has been awarded to the appellant. The appellant seeks the enhancement of the award amount. 2. The accident dated 24th March 1993 resulted in damage to bus bearing No.DL-1P-4090. The appellant is the owner of the said bus. 3. The accident in question was caused by the rash and negligent driving of the bus bearing No.DL-1P-3303 and the appellant filed the claim petition before the learned Tribunal claiming the compensation for damage suffered for repairs of bus MAC.APP.No.406/2009 Page 2 of 5 No.DL-1P-4090. 4. The appellant spent a sum of Rs.68,503/- on the repairs of his bus. The appellant’s bus was duly insured with New India Assurance Co. Ltd. and, therefore, the appellant claimed the aforesaid amount from New India Assurance Co. Ltd. who paid a sum of Rs.32,674/- to the appellant leaving a balance of Rs.35,829/- which was deducted under various heads including depreciation, etc. The appellant filed the claim petition before the learned Tribunal claiming Rs.90,730/- including the balance amount of Rs.35,829/-. 5. The learned Tribunal rejected the claim of the appellant towards the compensation for repairs of vehicle on the ground that the original bills for Rs.68,503/- have not been proved by the appellant. The learned Tribunal observed that the appellant has proved only two bills for Rs.26,650/- and Rs.18,000/- as Ex.PW3/1 and Ex.PW3/2. The appellant also claimed compensation for loss of earning of eight days at the rate of Rs.1,000/- per day against which the learned Tribunal awarded Rs.4,000/- at the rate of Rs.500/- per day. The appellant also claimed compensation on account of loss due to no claim bonus, extra premium paid, mental shock, agony and harassment which were not awarded by the learned Tribunal. 6. The findings of the learned Tribunal are not based on evidence on record. The appellant has filed a detailed affidavit by way of evidence before the learned Tribunal in which he has deposed that he has spent a sum of Rs.68,503/- on the repair of MAC.APP.No.406/2009 Page 3 of 5 the vehicle. The complete break-up of the said amount item wise has been given in the affidavit. The appellant has further stated that all the original bills were submitted by him to New India Assurance Co. Ltd. who paid a sum of Rs.32,674/-. The original bills are in possession of New India Assurance Co. Ltd. and the appellant placed on record the photocopies as secondary evidence. Although all the bills were photocopies and were duly proved as secondary evidence under Section 65 of the Indian Evidence Act, the learned Tribunal had put exhibit number on only two bills and marked the remaining. The finding of the learned Tribunal that the appellant has not proved the two bills is contrary to the record. The appellant has successfully proved that he has incurred a sum of Rs.68,503/- on the repairs of the vehicle against which he has received Rs.32,674/- from his own insurance. The appellant is clearly entitled to the balance amount of Rs.35,829/- which was withheld by the respondent without any justification. The finding of the learned Tribunal in this regard is set aside and Rs.35,829/- is awarded to the appellant. 7. The appellant claimed loss of income @Rs.1,000/- per day against which the learned Tribunal awarded Rs.500/- per day. No concrete evidence was placed on record by the appellant for claiming loss of income and, therefore, the finding of the learned Tribunal in this regard is not disturbed. 8. The learned Tribunal has not awarded any compensation to the appellant towards mental harassment suffered by him due to MAC.APP.No.406/2009 Page 4 of 5 the respondent. Under the Claims Procedure Manual of the Insurance Companies, the respondent is duty bound to appoint an investigator immediately upon receipt of the claim and to compute the compensation payable on the basis of the investigator’s report. The Procedure Manual further provides that the amount computed by Insurance Companies on the basis of the investigator’s report shall be offered to the claimant. The respondent has not placed any material on record to show that it processed the appellant’s claim in accordance with their Procedure Manual. The attitude of the Insurance Companies is to contest every case as a result of which the claimants are deprived of the compensation when it was due and the Courts are burdened with the litigation. 9. The learned counsel for respondent No.1 submits that the appellant has only claimed Rs.1,000/- towards mental agony and harassment. It is well settled by the judgment of this Court in the case of Virender Singh vs. Anand Prakash, 2008 ACJ 2519 that the claimants are entitled to just compensation and they can be awarded the amount over and above the amount claimed. In the opinion of this Court, the appellant is entitled to the compensation of Rs.15,000/- towards mental agony and harassment suffered by him due to the acts of the respondent. 10. Considering the facts and circumstances of this case, Rs.15,000/- is awarded to the appellant as compensation for harassment, mental agony and other loss suffered by him. MAC.APP.No.406/2009 Page 5 of 5 11. The appeal is allowed and the award amount is enhanced from Rs.4,000/- to Rs.54,829/- (Rs.4,000 + Rs.35,829 + Rs.15,000). The learned Tribunal has awarded interest @9% per annum which is not disturbed on the original award amount of Rs.4,000/-. However, on the enhanced award amount, the rate of interest shall be @7.5% from the date of filing of the petition till realization. 12. Copy of this judgment be sent to CMD of National Insurance Co. Ltd. to bring to his notice that the Insurance Companies are not at all following the Claims Procedure Manual which is resulting in the avoidable litigation. If the Insurance Companies appoint the investigator immediately upon the receipt of notice and thereafter compute and offer the compensation payable in accordance with law to the claimant, much of the litigation can be resolved at the initial stage. 13. The enhanced award amount along with interest be deposited by respondent No.1 with UCO Bank A/c Harvinder Singh. 14. Upon such deposit being made, the UCO Bank is directed to release the said amount to the appellant by transferring the same to his Saving Bank Account. 15. Copy of this order be given ‘Dasti’ to learned counsel for the parties under the signature of Court Master. J.R. MIDHA, J OCTOBER 26, 2009 aj