Partly allowed

Sri H Keshava Gowda v. Future General India Insurance Company Ltd.

Karnataka HC24 Mar 2026MFA/7033/2025

Case brief

AI extract

What is this about?

High Court allowed motor accident compensation appeal in part, enhancing award from Rs.17.44 lakhs to Rs.27.37 lakhs by correcting disability assessment from 35% to 60%, while confirming medical and pain and suffering components.

What did the court decide?

Compensation enhanced from Rs.17,44,416 to Rs.27,37,916; excess of Rs.9,93,500 directed to be deposited by Insurance Company with interest.

Sri H Keshava Gowda Vs Future General India… — Motor Accident Claims | Karnataka HC (2026)

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1 - NC: 2026:KHC:16775 MFA No. 7033 of 2025

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HC-KAR

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IN THE HIGH COURT OF KARNATAKA AT BENGALURU

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DATED THIS THE 24^TH DAY OF MARCH, 2026

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BEFORE

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THE HON'BLE MRS. JUSTICE P SREE SUDHA MISCELLANEOUS FIRST APPEAL NO. 7033 OF 2025 (MV-I)

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BETWEEN:

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SRI H KESHAVA GOWDA S/O A HANUMANTHAIAH, NOW AGED ABOUT 52 YEARS RESIDING AT NO 1187, 18TH MAIN ROAD, NEAR JALAGERAMMA TEMPLE, AVALAHALLI MAIN ROAD, SRINAGARA, BENGALURU 560050

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…APPELLANT

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(BY SRI. GIRI MALLAIAH.,ADVOCATE)

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AND:

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FUTURE GENERAL INDIA INSURANCE COMPANY LTD SHARAVANEE KRISHNA MANSION 100 FEET ROAD, 2ND BLOCK, JAYANAGAR, BANGALORE 560011 BY ITS MANAGER

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Digitally signed by SHARADAVANI B Location: High Court of Karnataka

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SMT GOWRI MAHESH KUMAR W/O T N MAHESH KUMAR, MAJOR (AGE NOT KNOWN TO APPELLANT) FLAT NO 002, GF SSK ENCLAVE, 12TH CROSS, RAGHAVENDRA LAYOUT, PADMANABHANAGAR, BENGALURU 560070

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GO DIGIT GENERAL INSURANCE COMPANY LTD PIONEER ATLANTIS, NO 94-95, 4TH B CROSS, 5TH BLOCK, KORAMANGALA, BENGALURU 560095 BY ITS MANAGER

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…RESPONDENTS

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(BY SRI. MURALIDHAR NEGAVAR - ADVOCATE FOR R3;

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V/O. DT.23.09.2025, NOTICE TO R1 AND R2 D/W.)

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2 - NC: 2026:KHC:16775 MFA No. 7033 of 2025

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HC-KAR

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THIS MFA IS FILED U/S.173(1) OF MV ACT, AGAINST THE JUDGMENT AND AWARD DT. 10.07.2025 PASSED IN MVC NO. 4278/2022 ON THE FILE OF THE XXIV ADDITIONAL SMALL CAUSES JUDGE AND THE MOTOR ACCIDENT CLAIMS TRIBUNAL AND ACJM (SCCH-26), BENGALURU, PARTLY ALLOWING THE CLAIM PETITION FOR COMPENSATION AND SEEKING ENHANCEMENT OF COMPENSATION.

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THIS APPEAL, COMING ON FOR FINAL HEARING, THIS DAY, JUDGMENT WAS DELIVERED THEREIN AS UNDER: CORAM: HON'BLE MRS. JUSTICE P SREE SUDHA

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ORAL JUDGMENT

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Heard the arguments of both sides.

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This appeal is filed against the award of the Tribunal in MVC No.4278/2022 dated 10.07.2025.

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Brief facts of the case are that, the injured claimant/petitioner met with an accident on 03.04.2022 and filed claim petition claiming compensation of ₹50.00 lakhs. Tribunal considering the entire evidence on record granted an amount of ₹17,44,416/- with interest at the rate of 6% per annum from date of petition till realisation.

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Aggrieved by the said amount, this appeal is preferred, in which it is mainly contented that, the

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3 - NC: 2026:KHC:16775 MFA No. 7033 of 2025

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HC-KAR

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petitioner sustained grievous injuries and was admitted in the hospital for 36 days in a span of 8 months and the doctor assessed the disability of the whole body as 70%. As it is a case of amputation below knee, functional disability comes to 100% and the petitioner requires ₹15,00,000/- for prosthetic limb . The petitioner was aged 49 years earning ₹30,000/- per month by doing real estate business and due to the aforesaid injuries suffered in the road traffic accident, now he could not do his business. The Tribunal granted meagre amounts under all the heads. Therefore, requested for enhancement of the compensation.

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Considered the contentions and perused the material on record.

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The petitioner has stated that he was earning ₹30,000/- per month, but he has not filed any income proof. As he met with the road traffic accident in the year 2022, the Tribunal has rightly taken the notional income of ₹15,500/- as per the chart prepared by the Karnataka

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NC: 2026:KHC:16775 MFA No. 7033 of 2025

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HC-KAR

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State Legal Services Authority, which this Court concurs. The petitioner was aged 49 years and the applicable multiplier is "13" which is also correct.

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However, due to the injuries suffered in the road traffic accident, the petitioner underwent multiple surgeries and he examined the doctor as PW.3 and he has stated that the petitioner underwent amputation for left above knee proximal 1/3^rd (upto 8 cm. from knee joint) and thus assessed the whole body disability as 70%. But the Tribunal erred in taking the disability as 35% which is incorrect and as it is a case of amputation, this Court finds it reasonable to take the disability as 60%. Further, as the disability is more than 20%, petitioner is also entitled for addition of 25% towards future prospects. Thus, compensation towards loss of future income towards disability comes to Rs.18,13,500/- (15,500+25%x12x13x60%) as against Rs.8,46,300/-

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awarded by the Tribunal.

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5 - NC: 2026:KHC:16775 MFA No. 7033 of 2025

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HC-KAR

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The petitioner has incurred ₹4,49,416/- towards medical expenses as per Exhibit P.11 and the Tribunal has rightly granted the said amount and it is confirmed. The petitioner was hospitalised for a period of 36 days on different spells. Considering the nature of injuries sustained by the petitioner, tribunal has awarded Rs.1,00,000/- towards pain and suffering, which is just and proper and is confirmed. However, considering the period of hospitalisation, occupation and other relevant factors this Court finds it reasonable to grant Rs.60,000/- towards loss of amenities and Rs.60,000/- for transportation, extra nourishment and attendant charges. Compensation granted towards loss of income during laid up period at Rs.1,55,000/- (Rs.15,500 x 10m) is just and reasonable and is confirmed. Further, as artificial limb is to be fixed and changed periodically, compensation granted by the Tribunal towards future medical expenses at ₹1,00,000/- is also confirmed.

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6 - NC: 2026:KHC:16775 MFA No. 7033 of 2025

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HC-KAR

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The total compensation comes to Rs.27,37,916/- . Compensation awarded by the Tribunal is Rs.17,44,416/and the enhanced compensation comes to

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₹9,93,500/- , as per the table below :

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Particulars	Amount in Rs.
Loss of future income due to disability(15500+25%x12x13x60%)	18,13,500.00
Pain and suffering	1,00,000.00
Loss of amenities	60,000.00
Transportation, extra nourishment, & attendant charges	60,000.00
Medical expenses	4,49,416.00
Loss of income during laid down period (Rs.15500x10m)	1,55,000.00
Future medical expenses	1,00,000.00
Total	27,37,916.00
Enhanced compensation	9,93,500.00

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Respondent No.3-Insurance company has already deposited the compensation amount awarded by the Tribunal and is directed to deposit the enhanced compensation of ₹9,93,500/- with interest at the rate of 6% within one month from the date of this order.

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NC: 2026:KHC:16775 MFA No. 7033 of 2025

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HC-KAR

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On such deposit, petitioner is permitted to withdraw

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the entire amount along with interest.

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Accordingly, the appeal is allowed in part .

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Sd/(P SREE SUDHA) JUDGE

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RS List No.: 1 Sl No.: 46

Sri H Keshava Gowda v. Future General India Insurance Company Ltd.

Case brief

What is this about?

What did the court decide?

Sri H Keshava Gowda v. Future General India Insurance Company Ltd.

Case brief

What is this about?

What did the court decide?

What the court decided

A compact analysis

Issues for consideration

Statutes considered

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