Dismissed

Reliance General Insurance Co. Ltd. v. Raju Chettri & Ors.

Delhi HC24 Feb 2026MAC.APP./34/2020

Case brief

AI extract

What is this about?

The Delhi High Court dismissed an appeal filed by an insurance company challenging an award of compensation for an accident. The court upheld the assessed loss of future income and directed the release of the remaining balance.

What did the court decide?

The balance amount along with accrued interest be released to the claimant upon verification; pending applications rendered infructuous.

Reliance General Insurance Co. Ltd. Vs Raju… — Contract and Commercial Disputes | Delhi HC (2026)

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$~8

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IN THE HIGH COURT OF DELHI AT NEW DELHI

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- MAC.APP. 34/2020, CM APPL. 3038/2020 & CM APPL. 73991/2024

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RELIANCE GENERAL INSURANCE CO LTD.....Appellant

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Through: Mr. A.K. Soni, Adv.

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versus

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RAJU CHETTRI & ORS .....Respondents Through: Mr. Ritik Malik and Mr. Akhil Suri, Advs. for R-1.

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Mr. S.N. Parashar and Mr. Ritik Singh, Advs. for R-2.

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CORAM: HON'BLE MR. JUSTICE ANISH DAYAL

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O R D E R % 24.02.2026

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This appeal has been filed assailing the impugned award dated 10^th October 2019, passed by the MACT, Saket Courts in MACT No.70/2018.

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Mr. A.K. Soni, counsel appearing on behalf of appellant/Insurance Company, submits that the impugned award dated 10^th October 2019 was passed after remand by this Court by order dated 11^th September 2017 for further inquiry.

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The original award was passed on 31^st March 2016, awarding compensation of Rs.14,45,000/- to the claimant along with 9% per annum interest. Post the remand, compensation of Rs.68,77,032/- was awarded after assessing the evidence.

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This is a digitally signed order.

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The authenticity of the order can be re-verified from Delhi High Court Order Portal by scanning the QR code shown above. The Order is downloaded from the DHC Server on 27/02/2026 at 13:00:43

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The main issue, which has been canvassed, is that Loss of future income should not have been assessed at Rs.55,12,032/-. As per deposition of the injured/claimant, PW1, dated 06^th July 2019 , he was earning Rs.16,00,000/- per annum at that time. PW1 stated that he was working at AXAXL Insurance as a Deputy Manager.

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Counsel for respondent no.1/claimant, however, states that at that point in time, he was working for a short while, and thereafter, he was terminated since his medical condition did not allow him to continue in any serious job.

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PW1 further stated that he was working as Assistant Operations Manager with Accenture at Level D in 2013 and would have had a promising career ahead. However, due to the accident, which resulted in 92% permanent physical impairment in relation to his left upper limb and visual impairment in his right eye to the extent of 30% , his employment had been seriously compromised.

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Counsel for respondent no.1/claimant further relies on the crossexamination of PW1 , where he stated that he has constantly faced problems and difficulties while performing at work and had to resign from organizations from time to time.

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He stated that at the time of the accident, he was working at Accenture and receiving a package of Rs.7-8 Lakhs per annum and was an Income Tax Assessee.

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He stated that he had resigned from Cognizant company as well in 2017.

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Reference has also been made to the Income Tax Returns filed in the Assessment Years 2012-2013 till 2018-2019, which show a dip in

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This is a digitally signed order.

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The authenticity of the order can be re-verified from Delhi High Court Order Portal by scanning the QR code shown above. The Order is downloaded from the DHC Server on 27/02/2026 at 13:00:43

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the income. Assessment Year 2018-2019 shows a gross total income of only Rs.20,632/- .

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To this, learned counsel for respondent no. 1/claimant submits that the testimony sufficiently establishes that the employment of respondent no. 1/claimant was severely compromised, and although he made repeated efforts to secure engagements from time to time, he was unable to sustain the same.

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The Court, having perused the impugned award of the MACT, where these aspects have also been considered, including the testimony of the claimant regarding his income, is not persuaded to allow the appeal and dilute the compensation, which has been provided.

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It seems from the record that the respondent no.1/claimant lost a promising career in Accenture , or a similarly placed company, due to the accident, which resulted in a severe disability.

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The Court has also perused the photographs placed on record by respondent no. 1/claimant and finds that they clearly show the level of impairment.

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As per the impugned award, Insurance Company is not entitled to recovery rights from the driver and owner. Mr. A.K. Soni , counsel for appellant/Insurance Company, contends that this ought to have been provided for.

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Mr. S.N. Parasha r, counsel appearing on behalf of the driver and owner, states that the matter is already covered by the judgment in Mukund Dewangan v Oriental Insurance Co. Ltd . 2017 14 SCC 66, and, therefore, this aspect will not subsist.

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Part of awarded amount was deposited by order dated 10^th

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This is a digitally signed order.

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The authenticity of the order can be re-verified from Delhi High Court Order Portal by scanning the QR code shown above. The Order is downloaded from the DHC Server on 27/02/2026 at 13:00:43

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February 2020, as informed by the counsel for respondent no.1/claimant, and approximately Rs.47,00,000/- has since been released in tranches on 20^th January 2022, 02^nd May 2023 and 01^st February 2024.

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Accordingly, the balance amount, along with accrued interest be released to the claimant upon verification.

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Statutory amount, if any, be refunded back to appellant/Insurance Company.

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Accordingly, the appeal is dismissed.

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Pending applications, if any, are rendered infructuous.

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Order be uploaded on the website of this Court.

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ANISH DAYAL, J

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FEBRUARY 24, 2026/MK

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This is a digitally signed order.

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The authenticity of the order can be re-verified from Delhi High Court Order Portal by scanning the QR code shown above. The Order is downloaded from the DHC Server on 27/02/2026 at 13:00:43

Reliance General Insurance Co. Ltd. v. Raju Chettri & Ors.

Case brief

What is this about?

What did the court decide?

Reliance General Insurance Co. Ltd. v. Raju Chettri & Ors.

Case brief

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