No. TN-04-A-4862 on the left side of the Cuddalore - Vridhachalam Road at Thondamanatham, the second respondent's Van bearing Registration No.TN-31-H-3363 came in the opposite direction at a very high speed in a rash and negligent manner, hit against the first respondent traveled moped and caused the accident. Due to the impact, the first respondent sustained grievous injuries and multiple fractures all over his body, and he became a permanent disabled in spite of the treatment given. Since the second respondent is the owner and the appellant is the insurer of the vehicle, the first respondent filed a Claim Petition against them before the Motor Accident Claims Tribunal (Special Subordinate Court), Cuddalore, claiming a sum of Rs.5,00,000/- as compensation for the expenditure made for the treatment.