Uttarakhand High Court
Insurance LawCivil Procedure and Evidence

Credible eyewitness testimony and prompt police intimation can prove an accident despite no FIR or post-mortem.

RELIANCE GENERAL INSURANCE COMPANY LIMITED vs AJMER SINGH

Uttarakhand High CourtJUDGMENT: September 17, 20263 MIN READSOURCE JUDGMENT
Credible eyewitness testimony and prompt police intimation can prove an accident despite no FIR or post-mortem.. RELIANCE GENERAL INSURANCE COMPANY LIMITED vs AJMER SINGH. Uttarakhand High Court. LawLens
THE ORIGINAL LAWLENS SUMMARY
01

Facts

On 5 November 2012, Navkirat Singh, aged about 16 years, was allegedly hit from behind by truck no. UK 06 CA 0331 while riding his bicycle home from school. He sustained injuries, remained in coma despite treatment at several hospitals, and died on 18 December 2012.

Source reference: p.1-2

An intimation of the accident was submitted to Police Station Sitarganj on 8 November 2012, bearing an acknowledgment and naming Dilbagh Singh and Satnam Singh as eyewitnesses; however, no FIR, inquest report, or post-mortem examination was conducted.

Source reference: p.2, 5-7

The claimants filed a motor accident compensation petition. The Motor Accident Claims Tribunal, Khatima, held that the accident resulted from the rash and negligent driving of the truck, found the driver’s licence and vehicle documents valid, and awarded Rs.9,80,388 with 6% annual interest.

Source reference: p.2-3

The insurer challenged the award under Section 173 of the Motor Vehicles Act, contending that the accident was fabricated or unproved, particularly because an FIR was not registered and a subsequent police inquiry allegedly found that no accident had occurred.

Source reference: p.3-5
02

Issues

1. Whether the claimants proved that the accident occurred on 5 November 2012 due to the rash and negligent driving of truck no. UK 06 CA 0331?

Source reference: para. 20; p.6-7

2. Whether the absence of an FIR, inquest report, and post-mortem report, together with the subsequent police inquiry, rendered the accident and the compensation claim doubtful?

Source reference: paras. 21-23; p.6-8
03

Law Applied

The appeal was governed by Section 173 of the Motor Vehicles Act, which permits an aggrieved party to challenge an award of the Motor Accident Claims Tribunal.

Source reference: para. 1

In adjudicating a motor accident claim, the Tribunal and appellate court must assess the evidence on record to determine whether the accident and the negligent conduct of the offending vehicle’s driver have been established. The Court treated a contemporaneous, acknowledged police intimation and credible eyewitness testimony as relevant corroborative evidence; the absence of a formal FIR, inquest, or post-mortem report was not regarded as conclusive proof that no accident occurred.

Source reference: paras. 17, 23-24

The Tribunal had assessed compensation by treating the deceased’s notional income as Rs.4,500 per month and relying on Rajesh v. Rajbir Singh.

Source reference: para. 9
04

Reasoning

The Court found that the acknowledged intimation submitted only three days after the accident corroborated the claimants’ account and specifically named Dilbagh Singh as an eyewitness.

Source reference: paras. 16-17, 23

Dilbagh Singh’s testimony gave a direct account of the truck striking Navkirat’s bicycle from behind and established the manner of the accident.

Source reference: paras. 15, 22-23

Although the insurer relied on the evidence of DW-1 concerning the later police inquiry and emphasized the absence of formal investigative documents, that evidence did not directly disprove the eyewitness account or establish that the accident had not occurred.

Source reference: paras. 10-13, 21, 23

Since the eyewitness had been identified in the earliest police intimation and the insurer produced no cogent contrary evidence, the Tribunal’s finding of rash and negligent driving was supported by the record. The High Court therefore found no error warranting appellate interference.

Source reference: paras. 23-24
05

Holding

The Court answered the central issue in favour of the claimants and held that the accident involving truck no. UK 06 CA 0331 was duly proved to have occurred due to the rash and negligent driving of its driver.

The absence of an FIR, inquest report, or post-mortem report did not by itself invalidate the claim, particularly in light of the contemporaneous police intimation and reliable eyewitness testimony.

Source reference: para. 23

The appeal was dismissed, the Tribunal’s award of Rs.9,80,388 with 6% annual interest was left undisturbed, and the Registry was directed to remit the statutory amount to the Tribunal and transmit the original record.

Source reference: paras. 25-26
06

Acts & Sections Cited

1 provisions across 1 statute referred to in this judgment. Each provision opens on LawLens.

Motor Vehicles Act, 19881

Uttarakhand High Court

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RELIANCE GENERAL INSURANCE COMPANY LIMITEDvsAJMER SINGH

Uttarakhand High Court · September 17, 2026

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