10. From perusal of the impugned award, it is seen that admittedly on the date of accident the deceased was driving the vehicle pick up bearing no. CG16-A-2546 which was owned by his father nonapplicant no.1 and duly insured with non-applicant no.2. Though, the claimants have pleaded that the deceased was working as a driver in the vehicle owned non-applicant no.1, however, the same has not been proved by the claimants as required under the law. The Tribunal considering the over all evidence on record held that the deceased stepped into the shoes of the owner and, therefore, the compensation cannot be assessed as per structured formula given under Section 163A of the Act. In para 21 of the impugned award the Tribunal has recorded a finding that the Insurance Company had taken premium of Rs.100/- towards PA coverage of owner-driver and its limited liability in the event of death of ownerdriver was Rs.2 lacs only. In para 22 the Tribunal has observed that though the amount of compensation towards limited liability of PA coverage can be recovered from the Insurance Company directly or through other forum but the claimants have been contesting the claim case before the Tribunal for more than a year and in these circumstances it would not be appropriate to direct the claimants to take recourse to appropriate forum for getting compensation. Hence, the Tribunal considering the over all facts