VELAYUDHAN versus NATIONAL INSURANCE CO. LTD. & ANR.
[2022] 7 S.C.R. 222, Supreme Court of India, 2022
Outcome: Case Partly allowed (Granted)
Segment: Ratio
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SUPREME COURT REPORTS
[2022] 7 S.C.R.
VELAYUDHAN
v.
NATIONAL INSURANCE CO. LTD. & ANR.
(Civil Appeal No. 6164 of 2022)
SEPTEMBER 07, 2022
[M. R. SHAH AND KRISHNA MURARI, JJ.]
Compensation – Vehicular Accident – Appellant-Claimant
sustained very serious injuries resulting into 68% permanent
disability – Held: Tribunal and High Court awarded Rs.50,000/-
only towards pain and suffering – Further, High Court erred in
awarding the future economic loss treating the income of the claimant
at Rs. 3,000/- per month only – Claimant was working as a Mason
– Permanent disability assessed by the High Court is at 100% –
Even considering the minimum wages payable to the Mason and
the future rise in income, the claimant is entitled to the economic
loss past as well as future considering the income at Rs. 5,000/- per
month – Claimant was 40 years of age, multiplier of 15 applied –
Impugned order passed by the High Court modified – Rs. 24,000/-
awarded towards loss of earing, Rs. 9,00,000/- towards future
economic loss (instead of Rs. 5,40,000/- as awarded by the High
Court) and Rs. 4,00,000/- towards pain, shock, and suffering –
Claimant entitled to Rs. 15,42,800/- with 7.5% interest p.a. from the
date of the claim petition, till satisfaction – Respondent-Insurance
Company to pay the enhanced amount of compensation.
CIVIL APPELLATE JURISDICTION: Civil Appeal No. 6164
of 2022.
From the Judgment and Order dated 23.10.2018 of the High Court
of Kerala at Ernakulam in MACA.No.
2601 of 2008.
A. Karthik, Sajith P., Ms. Anupriya, Alok Kr. Dwivedi, Ms. Sarika
Verma, Advs. for the Appellant.
[2022] 7 S.C.R. 222
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The Judgment of the Court was delivered by
M. R. SHAH, J.
1. Feeling aggrieved and dissatisfied with the impugned judgment
and order dated 23.10.2018 passed by the High Court of Kerala at
Ernakulam in MACA No. 2601/2008, by which, the High Court has
partly allowed the said appeal and enhanced the total amount of
compensation to Rs. 8,24,800/-, the original claimant has preferred the
present appeal.
2. In a vehicular accident, the appellant herein – original claimant
sustained very serious injuries resulting into 68% permanent disability
(the High Court assessed the same as 100%). The appellant sustained
head injury with right temporal contusion with SDH and brain stem injury,
fracture multiple metatarsal bones, fracture medial malleolus left foot,
pneumothorax left with fracture ribs left side, lacerated wound occipital
scalp, contusion left upper arm mid outer side with limited movement of
upper limb, burns injury left leg antero medially mid part lacerated wound
leg mid anteriorly with adjacent abrasion, lacerated wound between little
toe and fourth toe, edema left foot dorsal side multiple bodily injuries.
The claimant filed claim petition before the learned Tribunal towards
compensation. The learned Tribunal awarded the compensation under
different heads as under: -
The learned Tribunal assessed the income of the claimant at
Rs. 2,000/- per month and accordingly, awarded actual economic loss as
well as future economic loss. The learned Tribunal
awarded
Rs. 50,000/- towards pain and suffering. In the appeal, the High Court
VELAYUDHAN v. NATIONAL INSURANCE CO. LTD. & ANR.
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SUPREME COURT REPORTS
[2022] 7 S.C.R.
though assessed the permanent disability at 100% for working out of the
compensation, enhanced the amount of compensation with respect to
the future economic loss considering the income of the injured – claimant
at Rs. 3,000/- per month. The High Court did not enhance the amount of
compensation under other heads.
2.1 Feeling aggrieved and dissatisfied with the impugned judgment
and order of the High Court, the original claimant – injured has preferred
the present appeal.
3. We have heard learned counsel appearing on behalf of the
appellant. At the outset, it is required to be noted that in the vehicular
accident the appellant sustained very serious injuries referred to
hereinabove and suffered trauma and suffering. The learned Tribunal
and the High Court assessed and awarded Rs. 50,000/- only towards
pain and suffering. Considering the serious injuries suffered by the
appellant – claimant and prolonged hospitalisation and the pain and
suffering and trauma suffered by the appellant due to the accident, we
are of the opinion that the amount of Rs. 50,000/- awarded towards pain
and suffering can be said to on a lower side. We are of the opinion that
in the facts and circumstances of the case and looking to the serious
injuries, prolonged hospitalisation and the pain, shock and suffering and
trauma, which might have been suffered by the appellant – claimant, it
would be just and proper to award Rs. 4,00,000/- under the
head of pain,
shock, and suffering.
4. Similarly, the High Court has erred in awarding the future
economic loss treating the income of the claimant at Rs. 3,000/- per
month only. The claimant was working as a Mason. The permanent
disability assessed by the High Court is at 100%. Therefore, even
considering the minimum wages payable to the Mason and the future
rise in income, the claimant shall be entitled to the economic loss past as
well as future considering the income of the claimant at Rs. 5,000/- per
month. Looking to the age of the claimant that was 40 years, multiplier
of 15 is required to be applied.
5. In view of the above, the present appeal is allowed. The
impugned judgment and order passed by the High Court is modified
awarding Rs. 24,000/- towards loss of earing; Rs. 9,00,000/- towards
future economic loss (instead of Rs. 5,40,000/- as awarded by the High
Court) and Rs. 4,00,000/- towards pain, shock, and suffering. Thus, the
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claimant shall be entitled to a total sum of Rs. 15,42,800/- with 7.5%
interest per annum from the date of the claim petition, till satisfaction.
The respondent – Insurance Company is directed to pay/deposit the
enhanced amount of compensation as per the present judgment and order
within a period of eight weeks from the date of receipt of a copy of this
judgment. The present appeal is partly allowed to the aforesaid extent.
No costs.
Divya Pandey
Appeal partly allowed.
(Assisted by : Roopanshi Virang, LCRA)
VELAYUDHAN v. NATIONAL INSURANCE CO. LTD. & ANR.
[M. R. SHAH, J.]