SCC 663 has been doubted and referred to Larger Bench for re-consideration as per the decision in Bajaj Alliance (sic Allianz) General Insurance Company Limited vs Rambha Devi & Others, (2019) 12 SCC 816. The reference was mainly for the reason that some of the significant provisions in the Motor Vehicles Act, 1988 and the Central Motor Vehicles Rules, 1989 (Section 4 (1) & 2; Section 7, Section 14 & proviso to Section 14(2)(a); Rule 5, Rule 31(2), (3), (4) etc were unfortunately not brought to the notice of the Court in Mukund Dewangan (supra). However, the Apex Court, still applied the law in Mukund Dewangan (supra) in M.S. Bhati vs National Insurance Company Limited, (2019) 12 SCC 248 which is virtually to the effect that the binding nature of the dictum in Mukund Dewangan (supra) continues, until the reference is answered by the Larger Bench, to the contrary.”