Karnataka High Court
Transport, Maritime, and Aviation LawCivil Law

For upper-limb disability, one-fourth of the assessed limb disability is taken as whole-body disability.

SMT. GOWRAMMA vs HDFC ERGO GENERAL INS.CO.LTD.,

Karnataka High CourtJUDGMENT: October 09, 20262 MIN READSOURCE JUDGMENT
For upper-limb disability, one-fourth of the assessed limb disability is taken as whole-body disability.. SMT. GOWRAMMA vs HDFC ERGO GENERAL INS.CO.LTD.,. Karnataka High Court. LawLens
THE ORIGINAL LAWLENS SUMMARY
01

Facts

The claimant sustained a right proximal humerus fracture with dislocation in a road accident on 17 May 2023.

Source reference: pp. 3–5, paras. 3–5

The MACT awarded her ₹5,65,399, including ₹1,74,720 for loss of future earnings, and directed the insurer to pay with interest at 6% per annum.

Source reference: pp. 3–5, paras. 3–5

She appealed under Section 173(1) of the Motor Vehicles Act, 1988, seeking enhancement.

Source reference: p. 2

The High Court considered the appeal with the consent of counsel.

Source reference: p. 3, para. 2
02

Issues

Whether the compensation awarded by the Tribunal required enhancement, particularly in light of the claimant’s disability and the applicable notional income.

Source reference: pp. 4–6, paras. 7–8

Whether the claimant was entitled to increased compensation for pain and suffering, loss of amenities, and income during the laid-up period.

Source reference: pp. 5–6, paras. 7, 10
03

Law Applied

Section 173(1) of the Motor Vehicles Act, 1988 provides for an appeal against a Tribunal’s award.

Source reference: p. 2

In assessing loss of future income, the Court applied the calculation of monthly income × 12 × the appropriate multiplier × the percentage of whole-body disability; it treated one-fourth of the assessed upper-limb disability as the relevant whole-body disability in this case.

Source reference: p. 5, para. 8

The Court applied the multiplier of 13 for the claimant’s age of 50 and the 2023 notional monthly income of ₹16,250.

Source reference: p. 4, para. 7
04

Reasoning

The Tribunal had used a monthly income of ₹16,000 and assessed whole-body disability at 7%. The High Court substituted the 2023 notional income of ₹16,250 and, relying on the doctor’s evidence of 49% disability to the right upper limb, assessed whole-body disability at 12.25%—one-fourth of the limb disability.

Source reference: pp. 4–5, paras. 7–8

Applying multiplier 13, it calculated loss of future income at ₹3,10,538.

Source reference: pp. 4–5, paras. 7–8

It also enhanced pain and suffering from ₹40,000 to ₹70,000, loss of amenities from ₹25,000 to ₹50,000, and laid-up-period income to ₹48,750 for three months, while leaving the other awarded heads unchanged.

Source reference: pp. 5–6, paras. 7, 9–10
05

Holding

The appeal was allowed in part.

The Court enhanced the total compensation from ₹5,65,399 to ₹7,72,967, awarding an additional ₹2,07,568 with interest at 6% per annum from the date of the petition until realisation.

Source reference: pp. 6–8, paras. 11–14 and order

The insurer was directed to deposit the enhanced amount with interest before the Tribunal within six weeks, and the claimant was entitled to receive the entire enhanced amount with interest.

Source reference: p. 8, order
06

Acts & Sections Cited

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

Motor Vehicles Act, 19881

Karnataka High Court

Original Court PDF

SMT. GOWRAMMAvsHDFC ERGO GENERAL INS.CO.LTD.,

Karnataka High Court · October 09, 2026

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Original judgment, available to read, download and summarize on LawLens.in

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