Karnataka High Court
Transport, Maritime, and Aviation LawCivil Law

Whole-body disability is assessed by taking one-third of lower-limb disability and one-fourth of upper-limb disability.

SRI. NAGABHUSHAN K vs LIBERTY GENERAL INSURANCE CO.LTD.,

Karnataka High CourtJUDGMENT: October 01, 20262 MIN READSOURCE JUDGMENT
Whole-body disability is assessed by taking one-third of lower-limb disability and one-fourth of upper-limb disability.. SRI. NAGABHUSHAN K vs LIBERTY GENERAL INSURANCE CO.LTD.,. Karnataka High Court. LawLens
THE ORIGINAL LAWLENS SUMMARY
01

Facts

The claimant, aged 64, sustained injuries in a road traffic accident on 11 January 2023 involving a Royal Enfield motorcycle.

Source reference: pp. 2–4

The MACT awarded him ₹4,43,600 in compensation.

Source reference: pp. 2–4

Seeking enhancement, he appealed under Section 173(1) of the Motor Vehicles Act.

Source reference: pp. 2–4

The appeal was heard with the consent of counsel for the claimant and the insurer.

Source reference: pp. 2–4

The Tribunal had assessed whole-body disability at 18%; the medical witness assessed disability at 26% to the lower limb and 45% to the upper limb.

Source reference: pp. 5–6
02

Issues

Whether the compensation awarded by the Tribunal required enhancement in light of the claimant’s injuries, period of hospitalisation and recovery, and future medical needs.

Source reference: pp. 5–7

Whether the Tribunal’s assessment of whole-body disability and resulting loss of future earnings required revision.

Source reference: pp. 6–7
03

Law Applied

The appeal was brought under Section 173(1) of the Motor Vehicles Act, which provides for an appeal against an award of the Claims Tribunal.

Source reference: p. 2

In assessing compensation, the Court applied the multiplier method, retained multiplier 7 for the claimant’s age of 64, used the Karnataka State Legal Services Authority’s 2023 notional income of ₹16,200 per month, and converted limb disability to whole-body disability by applying one-third to lower-limb disability and one-fourth to upper-limb disability.

Source reference: pp. 4, 6
04

Reasoning

The Court found the Tribunal’s multiplier appropriate but substituted the applicable notional income and recalculated loss of future earnings using whole-body disability of 19.91%: 8.66% from the lower limb and 11.25% from the upper limb.

Source reference: pp. 4–7

It enhanced compensation for pain and suffering, loss of amenities, attendant and related expenses, loss of income during recovery, and future medical expenses, while affirming the medical-expense award.

Source reference: pp. 4–7

These adjustments increased the total award to ₹6,10,122.

Source reference: p. 7
05

Holding

The Court partly allowed the appeal and awarded enhanced compensation of ₹1,66,522, with interest at 6% per annum from the date of the claim petition until realisation, except for the 219-day delay period in filing the appeal.

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

Source reference: pp. 7–9
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

SRI. NAGABHUSHAN KvsLIBERTY GENERAL INSURANCE CO.LTD.,

Karnataka High Court · October 01, 2026

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

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