Punjab and Haryana High Court
Employment and Labour LawCivil Procedure and Evidence

Unproved private investigation reports cannot discredit disability certificates without hospital records.

United India Insurance Co. Ltd. vs Mahesh And Anr

Punjab and Haryana High CourtJUDGMENT: September 15, 20263 MIN READSOURCE JUDGMENT
Unproved private investigation reports cannot discredit disability certificates without hospital records.. United India Insurance Co. Ltd. vs Mahesh And Anr. Punjab and Haryana High Court. LawLens
THE ORIGINAL LAWLENS SUMMARY
01

Facts

Mahesh, aged approximately 26 years, claimed that he was employed as a driver by respondent No. 1 on vehicle No. RJ-05-GB-0147 and suffered injuries in an accident on 9 August 2015 while performing his employment duties.

Source reference: p. 1; para. 8

The accident resulted in amputation of his right leg below the knee and a claimed permanent disability of 70%.

Source reference: p. 1; para. 8

He claimed compensation of ₹40,00,000, asserting a monthly salary of ₹10,000.

Source reference: p. 1

The Commissioner under the Employees’ Compensation Act, 1923 accepted the existence of the employer–employee relationship, assessed his monthly income at ₹8,000, treated his disability as 100% for computation purposes, and awarded ₹10,41,168 with interest at 12% per annum from the date of accident until payment.

Source reference: p. 2; para. 4

The Insurance Company challenged the award, disputing the employment relationship, the genuineness of the disability certificate, and the assessment of income.

Source reference: p. 2; para. 5

The Commissioner’s award was based, inter alia, on the claimant’s testimony, the FIR, the disability certificate, and the absence of defence evidence from respondent No. 1.

Source reference: p. 2; paras. 4.1–4.2
02

Issues

Whether the claimant established that an employer–employee relationship existed between him and respondent No. 1 and that the accident arose out of and in the course of employment.

Source reference: p. 2; paras. 4.1, 10

Whether the disability certificate produced by the claimant could be rejected merely on the basis of a private investigator’s report alleging that it was not genuine.

Source reference: p. 3; para. 8

Whether the Commissioner was justified in assessing the claimant’s monthly income at ₹8,000 for computing compensation.

Source reference: p. 3; para. 9

Whether the Commissioner’s award disclosed any error warranting interference in appeal.

Source reference: p. 5; para. 11
03

Law Applied

The Court applied the Employees’ Compensation Act, 1923 and the principles governing compensation for injuries suffered by an employee by accident arising out of and in the course of employment.

Source reference: no citation

It applied the evidentiary principle that a private investigator’s report, without production and proof of the underlying hospital records, could not by itself constitute primary evidence sufficient to discredit a disability certificate.

Source reference: p. 4; para. 8

The Court also applied the principle that uncontroverted testimony, particularly where the opposing party fails to effectively challenge a material assertion in cross-examination or lead contrary evidence, may be relied upon to establish employment, income, and the circumstances of the accident.

Source reference: pp. 2–4; paras. 4.1, 9–10

No specific judicial precedent was cited in the judgment.

Source reference: no citation
04

Reasoning

The Court found no merit in the Insurance Company’s challenge to the disability certificate because its objection rested on the report of a private investigator, while the hospital records allegedly forming the basis of that report were neither summoned nor proved.

Source reference: p. 4; para. 8

The certificate produced by the claimant therefore remained sufficient to support the assessment of disability.

Source reference: p. 4; para. 8

The assessment of income at ₹8,000 per month was also upheld because the claimant had asserted a monthly income of ₹10,000 in his claim statement and supported it through his own deposition; the Insurance Company merely put a suggestion in cross-examination and produced no effective rebuttal.

Source reference: p. 4; para. 9

The employer–employee relationship and the employment nexus of the accident were accepted because the claimant pleaded and deposed that he was driving the concerned vehicle, the FIR supported the occurrence involving that vehicle, no specific contrary suggestion was put to him, and respondent No. 1 led no defence evidence.

Source reference: p. 4; para. 10

Since the Commissioner’s findings were supported by the evidence and no substantial question of law or other legal infirmity arose, appellate interference was unwarranted.

Source reference: p. 5; para. 11
05

Holding

The High Court answered the issues in favour of the claimant.

It held that the employer–employee relationship and employment-related accident were sufficiently established; the private investigator’s report did not displace the disability certificate; and the assessment of income at ₹8,000 per month was justified.

Source reference: p. 5; paras. 11–12

Finding no substantial question of law or infirmity in the Commissioner’s award, the Court dismissed the appeal and affirmed the award of ₹10,41,168 with interest at 12% per annum from 9 August 2015 until actual payment.

Source reference: p. 5; paras. 11–12

Pending applications, if any, were also disposed of.

Source reference: p. 5; para. 12
Punjab and Haryana High Court

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United India Insurance Co. Ltd.vsMahesh And Anr

Punjab and Haryana High Court · September 15, 2026

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