The Oriental Insurance Co Ltd vs Naresh Kumar & Ors.

$ ~26 & 27
* IN THE HIGH COURT OF DELHI AT NEW DELHI

th
% Date of decision: 20 March 2026

+ MAC.APP. 281/2024, CM APPL. 32345/2024 CM APPL.
17971/2025
27

+ MAC.APP. 283/2024, CM APPL. 32485/2024 CM APPL.
17593/2025 & CM APPL. 7652/2026

THE ORIENTAL INSURANCE CO LTD .....Appellant
Through: Mr. A.K. Soni, Advocate


versus


NARESH KUMAR & ORS. .....Respondents

Through: Mr. Pankaj Kumar Tiwari, Adv.

CORAM:
HON'BLE MR. JUSTICE ANISH DAYAL
JUDGMENT

ANISH DAYAL, J (ORAL)
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1. These appeals have been filed assailing the impugned award dated 08
January 2024 passed by the Motor Accident Claims Tribunal, District
Shahdara, Karkardooma Courts, Delhi in MACT No.35/2014 (New MACT
Signature Not Verified
Digitally Signed
By:MANISH KUMAR
Signing Date:15.04.2026
14:29:22
MAC.APP.Nos. 281/2024 & 283/2024 Page 1 of 12

No.972/2016) (‘ MACT/Tribunal ’) and MACT No.34/2014 (New MACT
No.971/2016), respectively.

The Incident
2. On 05.11.2013, the deceased, late Priya , was travelling as a pillion rider
on a motorcycle and was proceeding towards Village Nangal Kesari from
West Vinod Nagar, Delhi, along with her husband, Naresh Kumar (claimant
herein in both the appeals). When they reached near Chaprauli Expressway,
Greater Noida , the offending vehicle, a TATA 909 bearing registration No.
UP-86D-9531 , allegedly came from behind at high speed and hit the
motorcycle.
3. Due to the forceful impact, both the riders fell onto the road and
sustained injuries. Thereafter, the injured persons were immediately taken to
Kailash Hospital, Greater Noida, for medical treatment. However, during the
course of treatment, the deceased, late Priya , succumbed to the injuries
sustained in the accident.

Impugned Award
4. The Tribunal framed the following issues in MACT No.34/2014:
“ (1) Whether the deceased Smt. Priya suffered fatal
injuries in the accident occurred on 05.11.2013 due
to rash and negligent driving of vehicle no. UP-

86D-9531 being driven by respondent no.1?
(2) Whether the petitioners are entitled for any
compensation, if so, to what amount and from

whom?
Signature Not Verified
Digitally Signed
By:MANISH KUMAR
Signing Date:15.04.2026
14:29:22
MAC.APP.Nos. 281/2024 & 283/2024 Page 2 of 12

(3) Relief ”

5. The Tribunal framed the following issues in MACT No.35/2014:
“( 1) Whether the petitioner suffered injuries in the
accident occurred on 05.11.2013 due to rash and
negligent driving of vehicle no.UP-86D-9531 being
driven by respondent no.1?
(2) Whether the petitioners are entitled for any
compensation, if so, to what amount and from
whom?
(3) Relief ”

6. Petitioners examined four witnesses, i.e. PW1, Naresh Kumar (husband
of the deceased and injured), PW2, Dr. Brijesh Kumar Jain, who proved the
disability certificate of Naresh Kumar , PW3, Sh. Rama Raman from S hri Ram
General Insurance Company, who proved employment, leave and salary
records of the injured, and PW4, Retired SI Dal Chand Tiwari, who produced
the case diary relating to the criminal case. On the respondents’ side,
respondent No.2, Bablu, appeared as R1W1, but his evidence was closed as
he did not present himself for cross-examination; respondent No.3, Jitender
Kumar, examined himself as R2W1 ; and the insurance company examined
Ms. Pallavee Thakral as R3W1 .
7. After considering the evidence and submissions, the Tribunal decided
the first issue in favour of the claimants and held that although there was some
discrepancy in police records regarding the registration number of the
offending vehicle, the material on record, including the testimony of PW1 , the
Signature Not Verified
Digitally Signed
By:MANISH KUMAR
Signing Date:15.04.2026
14:29:22
MAC.APP.Nos. 281/2024 & 283/2024 Page 3 of 12

investigation records, and admissions by the driver and owner, established that
the accident involved vehicle No. UP-86D-9531 . The Tribunal further
concluded, on the basis of the evidence and standard of preponderance of
probabilities, that the accident occurred due to the rash and negligent driving
of respondent No.2, and accordingly decided the issue of negligence in favour
of claimants and awarded a compensation of Rs.9,38,863/- to the injured,
Naresh Kumar along with interest @ 8% per annum in MACT No.35/2014
and Rs.31,76,448/- along with interest @ 8% per annum in MACT
No.35/2014.

Submission on behalf of Insurance Company
8. Mr. A.K. Soni , counsel for appellant, contends that the Tribunal has
erred in holding that the accident occurred due to the rash and negligent
driving of TATA 909 bearing registration No. UP-86D-9531 without any
cogent and reliable evidence establishing the involvement of the said vehicle.
9. It is submitted that the Tribunal has wrongly placed reliance upon the
testimonies of PW1 , Naresh Kumar , and PW4 as well as the criminal record,
while ignoring the material contradictions and the evidence led by the
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appellant in rebuttal. He further submits that the FIR dated 05 November
2013 lodged by Bhupender Singh , brother-in-law of Naresh Kumar, clearly
records that the accident was caused by an unknown vehicle and it was only
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on 22 December 2013, i.e. after about 47 days of the accident , when an
alleged informer informed the IO about the number of the offending vehicle.
Moreover, in the statement recorded under Section 161 Cr.P.C., the
Signature Not Verified
Digitally Signed
By:MANISH KUMAR
Signing Date:15.04.2026
14:29:22
MAC.APP.Nos. 281/2024 & 283/2024 Page 4 of 12

injured/Naresh Kumar, did not disclose the registration number of the alleged
offending vehicle, whereas during cross-examination before the Tribunal, he
deposed that he had noted the number of the vehicle at the time of the accident.
When put to question as to why he did not disclose the number of the alleged
offending vehicle earlier, he failed to explain.
10. Mr. A.K. Soni further submits that the police had initially seized vehicle
bearing registration No. UP-86D-9537 , and it was only later that the owner
stated that the correct number was UP-86D-9531 , therefore, it is contended
that the respondents/claimants were not entitled to compensation against the
appellant as the involvement of the insured vehicle itself has not been duly
established.

Submissions on behalf of respondents
11. Mr. Pankaj Kumar Tiwari , counsel for respondents, canvassed
arguments in support of award passed by the Tribunal. It was essentially
contended that the accident stood fully proved, as the FIR was registered
immediately after the accident and the death had occurred on the same day.
The post mortem report and medical records also confirmed the occurrence of
the accident. Moreover, a charge-sheet was filed against the driver, the vehicle
was seized by the police, the driver was arrested, and the owner admitted the
ownership of the offending vehicle.
12. It was further contended that the insurance company could not deny the
accident only on the ground that the FIR did not mention the registration
Signature Not Verified
Digitally Signed
By:MANISH KUMAR
Signing Date:15.04.2026
14:29:22
MAC.APP.Nos. 281/2024 & 283/2024 Page 5 of 12

number of the offending vehicle, since an FIR is usually lodged in emergency
situations and is not an encyclopedia of facts.
13. Registration of the FIR stating that the accident was caused by an
“ unknown vehicle ” is not fatal to the case, as the respondent-claimant was not
in a position to communicate due to the injuries sustained in the accident.
Moreover, the testimony of the eyewitness, PW1, Naresh Kumar , is reliable,
considering that he was the husband of the deceased and had also sustained
injuries in the same accident, as per the charge-sheet.
14. He submitted that Insurance Company’s contention that vehicle was
falsely implicated, on the ground that the Investigating Officer ( ‘IO’ ) recorded
a different vehicle number in the case diary ( ‘CD’ ), is not tenable. Moreover,
the Tribunal had already observed that although a different vehicle number
was recorded in the CD, the registration certificate and the insurance policy
available on record pertain to the same vehicle identified by the victim, i.e.,
UP-86D-9531 . Accordingly, the discrepancy in the CD appears to be merely
a clerical error.
15. Moreover, income assessment by Tribunal was correct based on
minimum wages, and future prospects have been correctly granted.

Analysis
16. It would be necessary to examine the sequence of events for a better
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appreciation of the submission to the parties. The accident took place on 5
November 2013 near Greater Noida , basis allegation that the offending
vehicle Tata 909, bearing registration UP-86D-9531, had come from behind
Signature Not Verified
Digitally Signed
By:MANISH KUMAR
Signing Date:15.04.2026
14:29:22
MAC.APP.Nos. 281/2024 & 283/2024 Page 6 of 12

and hit the motorcycle. Respondent, Naresh Kumar, husband of deceased,
who was also injured in the accident, was working as a Senior Executive in
Marketing with M/s. Shri Ram General Insurance Company Limited .
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17. FIR was registered on 5 November 2013 basis statement of Bhupender
Singh, brother-in-law of Naresh Kumar , stating that an unknown vehicle had
caused the accident.
nd

18. However, the surprising event occurred on 22 December 2013, when
after 47 days of the incident, the IO received information from “ some unnamed
informer ” that a vehicle bearing registration no. UP-86D-9531 was stuck in a
traffic jam at Haldwani Mo r and that the driver of the said vehicle, Bablu , was
present there and could be arrested. Acting on this information, the police
apprehended the driver and seized the vehicle. The said vehicle was thereafter
released to its owner, who clarified that the correct registration number of
vehicle was UP-86D-953 1 .
19. It has been noted by this Court that UP-86D-9537 was actually a ‘ bus’
whereas UP-86D-9531 was a ‘ TATA Truck’ . Accordingly, these are two
different vehicles with different registration numbers.
20. Mr. Soni vehemently contended that there were discrepancies and
apparent concoctions in the alleged identification of the offending vehicle
after 47 days that too with some confusion regarding registration number and
category of vehicle.
21. It is strange that the IO gets information from an unnamed informer
regarding the so-called offending vehicle being struck in a traffic jam in the
Signature Not Verified
Digitally Signed
By:MANISH KUMAR
Signing Date:15.04.2026
14:29:22
MAC.APP.Nos. 281/2024 & 283/2024 Page 7 of 12

State of Uttarakhand with driver Bablu, being there as well. How the IO or
the said informer came to know that the said vehicle was the offending vehicle
remains unexplained.
22. PW1, Naresh Kumar, in his evidence by way of affidavit, stated that
offending vehicle had registration no. UP-86D-9531 . In cross-examination by
the counsel for the driver and owner, as well as that of the insurance company,
before the MACT, he stated that he had noted down the number of the vehicle;
however, the same could not be mentioned in the FIR, as the same was
registered during the course of his treatment; he could also not convey the
vehicle number to his brother-in-law, who registered the FIR.
23. This conduct is not only surprising, but indigestible, particularly as he
stated in his testimony that he remained admitted to Kailash Hospital, Noida,
for only one day, and thereafter was admitted to Max Hospital, Patparganj,
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from 6 November 2013 to 11 November 2013. He further stated that the
police never came to inquire from him about the accident and volunteered that
the police never asked him about the registration number of the vehicle. He
also confirmed that he had not given the registration number to his brother-in-
law at the time of registration of the FIR.
24. It is surprising that throughout the record there is no mention of the
registration number of the offending vehicle , despite Naresh Kumar stating
that he knew the registration number. However, for reasons unexplained, he
chose not to share the number either with his brother-in-law who lodged the
Signature Not Verified
Digitally Signed
By:MANISH KUMAR
Signing Date:15.04.2026
14:29:22
MAC.APP.Nos. 281/2024 & 283/2024 Page 8 of 12

FIR or with the IO. It is equally surprising that the IO did not make any effort
to inquire about the registration number of the offending vehicle.
25. After 47 days of the accident, a vehicle bearing the said registration
number was allegedly seized, though there was considerable confusion
regarding the registration number itself. The case diary records a different
offending vehicle bearing registration number UP-86D-9537 .

26. The Court has also examined the case diary, which records that
information was received by the IO from an informer stating that a vehicle
bearing registration number UP-86D-9537 was standing at Haldwani Mor and
was stuck in a traffic jam, with one Bablu present in it. The basis of this
information, which suddenly appeared to be ‘ highly specific’ after 47 days
from the registration of the FIR, remains unexplained, not only in respect of
the registration number of the vehicle but also the name of the driver.
nd
27. The case diary further notes that at about 09.35 a.m on 22 December
2013, the car was seized and yet again the number is noted as UP-86D-9537 .
There seems to be consistency in the case diary about noting this registration
number, which was quite wrong, considering that even if the claimant's
assertion is to be believed, the registration number was UP-86D-9531.
28. Considering that claimant was in the hospital only for one day initially
in Kailash hospital and then for five days in Max hospital, Patparganj and
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thereafter, for one day between 5 January 2014 to 6 January 2014, and then
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yet another for 3-4 days from 28 April 2014 to 2 May 2014, getting his
treatment, there was no reason as to why, admist this, the most critical
Signature Not Verified
Digitally Signed
By:MANISH KUMAR
Signing Date:15.04.2026
14:29:22
MAC.APP.Nos. 281/2024 & 283/2024 Page 9 of 12

information about the registration number of the offending vehicle, was not
provided to the IO.
29. The Court also notes that the claimant was a senior insurance executive
and therefore, was obviously quite aware of the processes which are
undertaken in motor accident cases. It would be quite incredulous to imagine
that out of complete naivety and innocence, the claimant did not give the
registration number of the offending vehicle to the IO or ensure that the same
would be registered.
30. In the opinion of this Court, various parts of story do not fit. The mere
fact that a charge-sheet was ultimately filed against a vehicle that was later
seized, and against its driver, cannot, in the facts and circumstances of the
present case, be treated as conclusive proof that the death of the claimant’s
wife and the injuries sustained by the claimant were caused due to the rash and
negligent driving of the alleged offending vehicle bearing registration number
UP-86D-9531 .
31. MACT’s assessment that the evidence of PW1 would be determinative,
as well as that of PW4, Dalchand Tiwari , who investigated the FIR, may not
be tenable. It does seem that the alleged offending vehicle was falsely
implicated, possibly in collaboration and consultation between PW1 and
PW4 , and therefore the testimonies of both PW1 and PW4 cannot be relied
upon.
32. Even if the Court were to simplicitor rely on the case diary, then also
repeated mention of registration number UP-86D-9537 would come into
Signature Not Verified
Digitally Signed
By:MANISH KUMAR
Signing Date:15.04.2026
14:29:22
MAC.APP.Nos. 281/2024 & 283/2024 Page 10 of 12

question. The discrepancy is being explained by counsel for the claimants
stating that it was merely a clerical or typographical error. However, the police
records cannot be so off track as to record not only an entirely different
registration number but also a different type of vehicle, i.e. a bus rather than a
Tata 909 .
33. Nevertheless, the Court has not based its final conclusion solely on this
discrepancy and leaves open the possibility that the number may have been
incorrectly recorded. The MACT has noted that there exists a judicial order
passed by a Magistrate in Uttar Pradesh releasing vehicle bearing registration
number UP-86D-9537 on superdari . In the application moved before the
jurisdictional magistrate by the registered owner of the vehicle, the vehicle
number was mentioned as UP-86D-9537 . Subsequently, another application
was filed by the owner stating that the earlier mention of the number was due
to a clerical mistake.
34. Accordingly, the Court is inclined to allow the appeal filed by the
insurance company, and the finding of the Tribunal with regard to Issue No. 1
relating to negligence is held to be unsustainable and the impugned award is
set aside.
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35. Vide order dated 28 May 2024, this Court stayed the execution of the
impugned award in MACT No.35/2014 and MACT No.34/2014, respectively,
subject to appellant/Insurance Company depositing the entire amount of

compensation along with accrued interest with the Tribunal.
Signature Not Verified
Digitally Signed
By:MANISH KUMAR
Signing Date:15.04.2026
14:29:22
MAC.APP.Nos. 281/2024 & 283/2024 Page 11 of 12

36. Accordingly, the Tribunal is directed to release the amount of
compensation deposited by Insurance Company with the accrued interest to
the appellant/Insurance Company.
37. If any amount has been released to the claimant the same shall not be
recoverable from the claimant.
38. Considering that this is case of ‘ hit and run ’ by an untraceable vehicle,
the claimants is at liberty to approach Uttar Pradesh Legal Service Authority
(since the accident took place in Greater Noida ) to seek compensation, or
alternatively, claimants may seek compensation under Compensation to
Victims of Hit and Run Motor Accidents Scheme, 2022 , if applicable.
39. Appeal stands disposed of in above terms.
40. Pending applications, if any, are rendered infructuous.
41. Copy of this judgment be sent to the concerned MACT and bank.
42. Judgment be uploaded on the website of this Court.


ANISH DAYAL
(JUDGE)
MARCH 20, 2026 /sm / bp
Signature Not Verified
Digitally Signed
By:MANISH KUMAR
Signing Date:15.04.2026
14:29:22
MAC.APP.Nos. 281/2024 & 283/2024 Page 12 of 12