Facts
On May 20, 2022, Ramprakash Yadav died after his motorcycle was hit by a negligently driven Scorpio (CG-13-Z-5967).
Source reference: para 2The claimants (widow, children, and parents) filed a claim under Section 166 of the Motor Vehicles Act on January 2, 2023, approximately seven months after the accident.
Source reference: para 2, 8The Insurance Company challenged the Tribunal’s award of Rs. 16,99,000/-, contending that the claim was barred by the six-month limitation period under Section 166(3) and that the offending vehicle was not involved in the accident.
Source reference: para 1, 4Issues
1. Whether the claim petition was maintainable despite being filed after the six-month limitation period prescribed under Section 166(3) of the Motor Vehicles Act.
Source reference: para 4, 82. Whether the Insurance Company established the non-involvement of the offending vehicle in the accident.
Source reference: para 4, 7Law Applied
The court applied Section 166(3) of the Motor Vehicles Act, 1988, which prescribes a six-month limitation for filing claim petitions.
Source reference: para 4However, the court primarily relied on the Supreme Court’s interim directions in ICICI Lombard General Insurance Co. Ltd. vs. Ayiti Navaneetha & Ors. (SLP(C) No. 8412-8413/2023), which directed that Tribunals and High Courts should not dismiss claim petitions on grounds of limitation under Section 166(3) during the pendency of the matter before the Apex Court.
Source reference: para 9Regarding the burden of proof, the court applied the principle that the party alleging non-involvement or breach of policy must lead evidence to substantiate such claims.
Source reference: para 7Reasoning
The court rejected the insurer's plea regarding the non-involvement of the vehicle, noting that while the FIR was registered on July 10, 2022, following a merg enquiry, the police had seized the vehicle and arrested the driver without any protest or counter-complaint from the owner or driver to superior authorities.
Source reference: para 7Furthermore, the Insurance Company failed to examine any witnesses to prove the alleged non-involvement.
Source reference: para 7Regarding the limitation period, the court acknowledged a 47-day delay beyond the six-month threshold.
Source reference: para 8However, following the mandate of the Hon’ble Supreme Court in ICICI Lombard, the court held that the delay could not be a ground for dismissal while the specific legal issue of limitation under the amended Act is under consideration by the Apex Court.
Source reference: para 9, 10Holding
The court answered the first issue in the affirmative, holding the petition maintainable despite the delay, and the second issue in the negative, finding no evidence to support the insurer’s claim of non-involvement.
The High Court upheld the Tribunal’s award of Rs. 16,99,000/- with 7% interest and dismissed the appeal filed by the Insurance Company.
Source reference: para 10Original Court PDF
Branch Manager, Chola Mandalam M.S. General Insurance Company Limited v. Santra Devi & Others [2026:CGHC:11291 (MAC No. 1691 of 2024)]
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