was not possessing the effective and valid driving licence, the appellant/insurer has examined one Ramkaran Ratre, as Non-applicant witness No.2, who is working as Assistant Grade-II in the Office of the Regional Transport Authority, Jagdalpur. A bare perusal of his statement would show that said driver (Shyamlal Sahu) was authorized to drive the light motor vehicle and was authorized to drive the heavy goods vehicle only with effect from 31.07.2009, i.e., much after the occurrence of the alleged accident. It is true that when the alleged accident has taken place, at that particular time, the driver was authorized to drive the light motor vehicle and was not authorized to drive the heavy goods vehicle as stated by the said witness. It is, however, pertinently to be noted here that the alleged offending vehicle “Mahindra Jeep” bearing its registration No. CG17/ZT/0193 insured as “Passengers Carrying Commercial Vehicle” was not a heavy goods vehicle. It is a light motor vehicle as defined under Section 2(21) of the Act. Therefore, merely on this ground, it cannot be held that the driver of it, i.e. Shyamlal Sahu, who was possessing the driving licence (Ex.D.-2) to drive the light motor vehicle, was not entitled to drive the said offending vehicle. Even no endorsement as such is needed. Even otherwise, the burden to prove that the driver was not possessing the effective and valid driving licence to drive the said offending vehicle was heavily upon the Insurance Company. However, the Insurance Company has failed to produce any cogent and reliable evidence to prove the same. 9. At this juncture, the principles laid down in “ Mukund Dewangan Vs. Oriental Insurance Company Limited” reported in (2017) 14 SCC 663 , is to be noted, wherein Hon'ble the Supreme Court, has held that even in absence of any endorsement as such, the driver who was