very same day. When the accident took place, with regard to whether timber was loaded in the lorry or not, nothing is mentioned in the spot mahazar, except the fact that the lorry was capsized at the spot. It has to be noted that the P.W.1 in his evidence and also in the claim petition has stated that he was traveling along with timber in the lorry and in the complaint also, it is stated that, at the time of the accident, there was timber in the lorry. Merely because the same is not mentioned in the spot mahazar, the same cannot be a ground to arrive at a conclusion that there was no timber. No doubt, the Insurance Company also examined one witness as R.W.1, he also reiterates their contention. But, in the cross-examination, he admits that, in order to transport silver tree, no permit is required. Apart from that, he also admits that, in order to come to an conclusion that he was an unauthorized passenger, nothing is placed on record. When such admission is available before the Court and in the immediate document of complaint which was given on the same day it is specifically mentioned that at the time of the accident, he was proceeding along with the timber, the Tribunal ought not to have accepted the contention of the Insurance Company, in