Calcutta High Court
Civil LawInsurance Law

Unexamined hospital statements cannot establish that a deceased was a gratuitous passenger.

LIBERTY GENERAL INSURANCE LIMITED vs SAKILA MONDAL & ORS

Calcutta High CourtJUDGMENT: October 01, 20262 MIN READSOURCE JUDGMENT
Unexamined hospital statements cannot establish that a deceased was a gratuitous passenger.. LIBERTY GENERAL INSURANCE LIMITED vs SAKILA MONDAL & ORS. Calcutta High Court. LawLens
THE ORIGINAL LAWLENS SUMMARY
01

Facts

On 10 December 2014, Rafekul Mondal was injured when a Tata 207 mini vehicle allegedly overturned and fell on him while he was walking by the roadside. He died in hospital the following day.

Source reference: p. 2–3

His dependants brought a claim under Section 166 of the Motor Vehicles Act, 1988. The Tribunal awarded Rs. 6,74,800 with 6% annual interest, finding the insurer liable.

Source reference: p. 2–3

The insurer appealed, disputing liability on the grounds of delay in lodging the FIR and alleging that the deceased was a gratuitous passenger in the goods vehicle. The claimants cross-appealed, challenging the compensation awarded.

Source reference: p. 3–4
02

Issues

1. Whether the delay in lodging the FIR and the hospital record suggesting that the deceased was travelling in the goods vehicle undermined the claim or absolved the insurer of liability.

Source reference: p. 4

2. Whether the compensation awarded by the Tribunal required enhancement, including on account of the deceased’s income and future prospects.

Source reference: p. 4–5
03

Law Applied

The claim was pursued under Section 166 of the Motor Vehicles Act, 1988; the Tribunal’s award also directed deduction of any compensation already paid under Section 140.

Source reference: p. 3

The Court stated that delay in lodging an FIR is not invariably fatal, particularly where the circumstances explain the delay.

Source reference: p. 4

It also treated the hospital record as unreliable in the circumstances because the person who supplied the accident information was not examined, and assessed compensation by considering income, future prospects, personal expenses, multiplier, and conventional heads.

Source reference: p. 4–5
04

Reasoning

The Court rejected the insurer’s objections. It found that the nine-day FIR delay was explained in the FIR and observed that family members would ordinarily attend to the injured person at hospital rather than immediately go to the police station.

Source reference: p. 4

The hospital information was not relied upon because its source was not examined; the evidence of P.W. 2, together with the FIR and charge-sheet, supported the finding that the vehicle fell on the deceased.

Source reference: p. 4–5

On quantum, the Court assessed monthly income at Rs. 4,000, added 40% for future prospects, deducted one-third for personal expenses, and applied a multiplier of 17. It calculated dependency loss at Rs. 7,61,600 and conventional compensation at Rs. 84,000, then considered Rs. 8,50,000 just and reasonable.

Source reference: p. 5
05

Holding

The Court disposed of both appeals, affirmed the finding of the insurer’s liability, and modified the award to Rs. 8,50,000 with interest at 6% per annum from the date the claim case was filed.

The insurer was directed to deposit that amount with interest before the Registrar General within eight weeks; any amount already deposited pursuant to the Tribunal’s award was to be adjusted, and the claimants could withdraw the compensation after completing the necessary formalities.

Source reference: p. 5–6
06

Acts & Sections Cited

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

Motor Vehicles Act, 19882

Calcutta High Court

Original Court PDF

LIBERTY GENERAL INSURANCE LIMITEDvsSAKILA MONDAL & ORS

Calcutta High Court · October 01, 2026

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