Punjab and Haryana High CourtCivil LawInsurance Law

P&H HC Upholds ₹26.35 Lakh Award to Widow and Son, Retaining One-Third Deduction for Married Deceased Despite Son’s Earnings

Universal Sompo General Insurance Co. Ltdv.Raghubir Singh & Ors

P&H HC Upholds ₹26.35 Lakh Award to Widow and Son, Retaining One-Third Deduction for Married Deceased Despite Son’s Earnings. Universal Sompo General Insurance Co. Ltd vs Raghubir Singh & Ors. Punjab and Haryana High Court. LawLens
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In brief

The question

Whether the deceased’s son, having admitted that he was self-dependent, should be treated as not dependent on the deceased

The court held

The Court held that the son was not dependent on the deceased but that this did not justify a one-half deduction.

It also directed

It found no infirmity or illegality in the Tribunal’s award and dismissed the insurer’s appeal; pending applications were also disposed of.

01Facts

Dinesh Kumar died after his motorcycle struck a dumper parked in the middle of the road.

¶ 2

The Motor Accident Claims Tribunal awarded his widow and son ₹26,35,904, applying a one-third deduction for his personal and living expenses.

¶ 5

The insurer appealed, arguing that the son had admitted earning ₹7,000–₹8,000 per month and being self-dependent; it contended that a one-half deduction should therefore apply.

¶ 7

02Issues

i.Whether the deceased’s son, having admitted that he was self-dependent, should be treated as not dependent on the deceased

¶ 7

ii.Whether, because the son was not dependent, the deceased’s personal and living expenses should be calculated using a one-half deduction rather than a one-third deduction

¶ 11

03Law Applied

In Sarla Verma v. Delhi Transport Corporation, the Supreme Court prescribed standard deductions for a married deceased: one-third where there are two or three dependent family members, one-fourth where there are four to six, and one-fifth where there are more than six; for an unmarried deceased, the usual deduction is one-half.

¶ 12

In The New India Assurance Company Ltd. v. Smt. Ramesh Kanta Sharma, the Punjab and Haryana High Court held that a married deceased with only one dependent should not be equated with a bachelor and applied a one-third deduction.

¶ 12

The Court also relied on Daya @ Dayawanti v. Arjun, which applied a one-third deduction where the deceased’s widow was the sole dependent.

¶ 13

The Motor Vehicles Act is beneficial legislation, and compensation must be just.

¶ 12

Provisions in the judgment · 2 · Linked ones open on LawLens

Indian Penal Code, 1860 Section 283Section 427

04Reasoning

The Court accepted that the son’s admission established that he was not dependent on the deceased.

¶ 10

It nevertheless rejected the insurer’s proposed one-half deduction.

¶ 11

The deceased was married, and the cited decisions supported applying a one-third deduction even where only one claimant was dependent; a married person could not be treated like a bachelor merely because the number of dependents was limited.

¶ 13

The Tribunal had therefore correctly calculated the deduction.

¶ 13

05Holding

The Court held that the son was not dependent on the deceased but that this did not justify a one-half deduction.

¶ 10

It found no infirmity or illegality in the Tribunal’s award and dismissed the insurer’s appeal; pending applications were also disposed of.

¶ 15
Punjab and Haryana High Court

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Universal Sompo General Insurance Co. LtdvsRaghubir Singh & Ors

Punjab and Haryana High Court · November 05, 2026

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