this Court is IMV report, which is marked as Ex.P4. On perusal of Ex.P4, it is clear that the Maruthi car was damaged and its rear right body, rear right bumper and right side body has scratched, whereas, the left side of the auto was completely damaged, windshield glass damaged and top roof structure was bent. Hence, having taken note of the damage that had occurred to the Maruti car and auto, the auto was capsized and caused damages to the autorickshaw. All these aspects have been considered by the Tribunal while assessing the negligence on the part of the driver of the autorickshaw also. No doubt, the Insurance Company took specific defence in the written statement that the accident was on account of sole negligence on the part of driver of the autorickshaw but has failed to adduce any evidence to corroborate the same. Even in the absence of any evidence also, considering the material available on record, the Tribunal has come to the conclusion that the driver of the autorickshaw contributed negligence to the extent of 40%.