Kumari Prajakta Ashok Patil vs Branch Manager, Royal Sundaram Alliance Insurance Company through Mr. Sandip Jadhav and Ors.

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272-2-FA-1375-25 WITH FA-1123-16.doc

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IN THE HIGH COURT OF JUDICATURE AT BOMBAY CIVIL APPELLATE JURISDICTION

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FIRST APPEAL NO.1375 OF 2025

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Digitally signed by NILAM NILAM SANTOSH SANTOSH KAMBLE KAMBLE Date:2025.08.11 17:44:52 +0530

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Prajakta Ashok Patil } Age-21 Years, } Occ: Student and Milk vending } R/o. Yedenipani, Taluka-Walwa, } District-Sangli } ...Appellant Versus Branch Manager } Royal Sundaram Alliance Insurance Co. Ltd. } Subramaniam Building, II nd Floor, No.1 } Club House Road, Annasalai, } Chennai-600002 } Thr. Mr.Sandip Jadhav, Manager Legal } 2. Ujwala Vijay Kokare } Age-Major, Occ: Business } R/at 324/25, Dattadarshan Apartment, } Guruwar Peth, Satara, District-Satara } (owner of Truck) } 3. Prashant Parshuram Kadam } Age-40, Occ: Service, } R/o. Malegaon, Taluka & District-Satara } (Driver of Truck) } ...Respondents WITH

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FIRST APPEAL NO.1123 OF 2016

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Branch Manager } Royal Sundaram Alliance Insurance Co. Ltd. } Subramaniam Building, II nd Floor, No.1 } Club House Road, Annasalai, }

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N.S. Kamble page 1 of 7

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272-2-FA-1375-25 WITH FA-1123-16.doc

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Chennai-600002 } Thr. Mr.Sandip Jadhav, Manager Legal } District-Sangli } ...Appellant Versus 1. Prajakta Ashok Patil } Age-21 Years, Occ: Student and Milk } vending, Minor, Thr. Her Guardian } } Rajshri Ashok Patil } Age-42, Household } Both R/o. Yedenipani, Taluka-Walwa, } District-Sangli } 2. Ujwala Vijay Kokare } Age-Major, Occ: Business } R/at 324/25, Dattadarshan Apartment, } Guruwar Peth, Satara, District-Satara } (owner of Truck) } 3. Prashant Parshuram Kadam } Age-40, Occ: Service, } R/o. Malegaon, Taluka & District-Satara } ...Respondents (Driver of Truck) ---Mr.Akshay Kulkarni a/w Mr.Avesh Ghadge i/b Mr.Sharad Bhosale, for the Appellant in FA No.1375/2025.

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Mr.Akshay Kulkarni a/w Mr.Avesh Ghadge, for Respondent Nos.1 and 2 in FA No.1123 of 2016.

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Mr.Nikhil Mehta i/b KMC Legal Venture, for Respondent No.1 in FA No.1375 of 2025 and for the Appellant in FA No.1123 of 2016.

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N.S. Kamble page 2 of 7

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272-2-FA-1375-25 WITH FA-1123-16.doc

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CORAM : SHIVKUMAR DIGE, J. DATE : 25^th JULY 2025

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ORAL JUDGMENT :-

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. This Appeal is preferred by the Appellant-Insurance Company against the judgment and order passed by the Motor Accident Claims Tribunal (‘The Tribunal’ for short), Islampur.

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The Respondents-Claimants have also preferred Cross Appeal for enhancement of compensation as, Appeal and Cross Appeal are against the same judgment and order. I am deciding it by this common judgment.

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It is contention of learned counsel for the AppellantInsurance Company that, the Tribunal has considered monthly income of the Claimant at Rs.6,000/- per month, which is on higher side. The Tribunal has considered disability of the Claimant on higher side and on that basis compensation is awarded, which is erroneous. The learned counsel further submitted that the Claimants must have been married, but the Tribunal has given Rs.1,50,000/- for loss of marriage prospects, which is on higher side and requested to allow the Appeal.

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N.S. Kamble page 3 of 7

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272-2-FA-1375-25 WITH FA-1123-16.doc

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The learned counsel for the Respondent fairly submitted that during pendency of the Appeal. The Claimant is married. The learned counsel further submitted that, the Claimant has completed diploma in Mechanic. She got 35% permanent physical disability due to accident. Because of the disability she is unable to get any job. The Tribunal has considered Rs.6,000/- per month income, which is on lower side. The Tribunal has not awarded future prospects and requested to allow the Appeal and dismiss the Appeal filed by the InsuranceCompany.

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I have heard both learned counsel. Perused judgment and order passed by the Tribunal.

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Admittedly, due to accidental injuries the Claimant has suffered 35% permanent physical disability. At the time of accident her educational qualification was diploma in Mechanical Engineering. The Tribunal has considered her monthly income at Rs.6,000/- per month. In my view, it is on lower side.

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It appears from record that, in 12^th standard she had secured 92%, it shows that, she is meritorious. Due to 35%

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N.S. Kamble page 4 of 7

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272-2-FA-1375-25 WITH FA-1123-16.doc

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permanent physical disability her movements are restricted and it will affect her life long. Considering these facts, I am considering her monthly income at Rs.11,000/- per month.

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The Tribunal has not awarded future prospects. As per view of the Hon’ble Apex Court in the case of National Insurance Co. Ltd. V/s. Pranay Sethi¹ , it should be 40%, hence, I am considering 40% future prospects.

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The Tribunal has awarded Rs.1,50,000/- for loss of marriage prospect, as it has come on record, the Claimant has got married, hence, she is not entitled for this amount. Considering above calculation’s the Claimant is entitled for following compensation.

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Particulars Amount

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Monthly Income Rs.11,000.00 Annual Income (Notional Income X Rs.1,32,000.00 12 months) (+) Future Prospects (40%) Rs.64,680.00 Annual Income After Future Rs,11,64,480.00 Prospects (18) Travelling Rs.21,240.00 Medical Expenses Rs.2,60,130.00 Loss of Marriage Rs.1,50,000.00

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1 2017 ACJ 2700 (SC)

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N.S. Kamble page 5 of 7

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272-2-FA-1375-25 WITH FA-1123-16.doc

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Pain & Suffering	Rs.1,50,000.00
Special Diet	Rs.10,000.00
Total Loss of Income	Rs.17,55,610.00
Interest 7.5%
Total Just Compensation Payable	Rs.17,55,610.00
Tribunal Awarded	Rs.10,44,970.00
Enhanced Compensation	Rs.5,60,640.00

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In view of above, I pass following order.

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ORDER

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(i) The Appeal No.1123 of 2016 is partly allowed.

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(ii) The Cross Appeal No.1375 of 2025 is allowed. (iii) The Claimant is entitled for enhanced amount of Rs.5,60,640/- @ 7.5% from the date of filing Claim Petition till realization of the amount.

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(iv) The statutory amount in Appeal No.1123 of 2016 alongwith interest be transferred to the Tribunal. Parties are at liberty to withdraw it, as per Rules.

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(v) Record and Proceedings be sent back to the Tribunal.

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272-2-FA-1375-25 WITH FA-1123-16.doc

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(vi) All pending Civil and Interim Applications are disposed of.

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(SHIVKUMAR DIGE, J.)

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N.S. Kamble page 7 of 7

Kumari Prajakta Ashok Patil v. Branch Manager, Royal Sundaram Alliance Insurance Company through Mr. Sandip Jadhav and Ors.

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Kumari Prajakta Ashok Patil v. Branch Manager, Royal Sundaram Alliance Insurance Company through Mr. Sandip Jadhav and Ors.

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