Delhi High Court

Functional disability must account for vocational requirements; masons qualify for skilled worker minimum wages.

Sh. Harphool vs Cholamandalam Ms Gen Insurance Co. Ltd. And Ors

Delhi High CourtJUDGMENT: March 19, 20262 MIN READSOURCE JUDGMENT
THE ORIGINAL LAWLENS SUMMARY
01

Facts

The appellant, a 49-year-old individual, sustained injuries in a motor vehicle accident on January 31, 2017

Source reference: p. 2

The medical evidence established a "Malunited Fracture Proximal Right Tibia and Fibula," resulting in a certified 48% permanent disability in the right lower limb

Source reference: p. 2

The Motor Accident Claims Tribunal (MACT) awarded a total compensation of Rs. 8,20,000, calculating loss of income based on the minimum wages of an unskilled worker (Rs. 9,724/-) and assessing functional disability at 24%

Source reference: p. 1, 2

The appellant preferred this appeal seeking enhancement, contending that he was a skilled mason earning Rs. 16,000–17,000 per month and that his functional disability was significantly higher given the physical nature of his vocation

Source reference: p. 1, 2
02

Issues

1. Whether the minimum wages for compensation should be calculated based on a skilled worker (mason) rather than an unskilled worker

Source reference: p. 1-2

2. Whether the assessment of functional disability at 24% was appropriate considering the claimant’s vocation and the 48% permanent limb disability

Source reference: p. 2-3

3. Whether the compensation awarded under non-pecuniary heads was adequate

Source reference: p. 2-3
03

Law Applied

The court applied the principles of just compensation under the Motor Vehicles Act, 1988.

Source reference: no citation

It established that where a claimant’s testimony regarding their vocation remains unrebutted, the court may accept the stated profession for wage determination

Source reference: p. 2

It followed the precedent in Neelam Devi & Ors v. Bikramjeet Singh & Ors. (2014:DHC:1172), which held that in the absence of documentary evidence of income, a mason is entitled to the minimum wages of a skilled worker

Source reference: p. 2-3

Further, the court applied the principle that functional disability must be assessed relative to the claimant's specific trade and the impact of the physical impairment on their ability to perform that trade

Source reference: p. 3
04

Reasoning

The Court observed that the appellant’s deposition as a mason was consistent and not rebutted by the Insurance Company during cross-examination

Source reference: p. 2

Given that masonry requires physical activities like squatting, climbing, and mobility across sites, the Court held that a 48% disability in the right lower limb would severely erode the earning capacity of a 49-year-old worker

Source reference: p. 3

The Court found the MACT’s assessment of 24% functional disability to be inapposite for such a vocation and revised it to 40%

Source reference: p. 3

The Court determined that the minimum wage for a skilled worker (Rs. 11,830/-) was the correct benchmark

Source reference: p. 3

Regarding non-pecuniary damages, the Court found the previous awards for pain, suffering, and loss of amenities to be insufficient and enhanced them to reflect the claimant's actual hardship

Source reference: p. 3
05

Holding

The Court allowed the appeal and enhanced the compensation from Rs. 8,20,000 to Rs. 13,63,000

The Court ordered the Insurance Company to deposit the enhanced amount along with 9% interest per annum within four weeks

Source reference: p. 4

The Court clarified that the Insurance Company’s right of recovery granted by the MACT would remain unaffected

Source reference: p. 4

All pending applications were disposed of, and the statutory deposit was ordered to be refunded to the appellant

Source reference: p. 4
Delhi High Court

Original Court PDF

Sh. HarphoolvsCholamandalam Ms Gen Insurance Co. Ltd. And Ors

Delhi High Court · March 19, 2026

Click to open original judgment

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

Click to open original judgment