The Fifth Respondent namely, Jeya is the owner of the car bearing Registration No.TN-49 AT-0786. On 31.05.2014 at 11.15 p.m., the said vehicle was taken by her father Mahendran, along with his brother-in-law deceased/Neelakandan towards Trichy to Peravoorani Road. At that time, near Vadakadu AV Petrol bunk, the Mini Lorry, namely the insured lorry bearing Registration No.TN-55 AE-2460, was driven by the driver in a rash and negligent manner and dashed against the car, thereby the deceased sustained injuries. After treatment for 26 days, he died. Vadakadu Police Station registered a case in Crime No. 69 of 2014 against the lorry driver insured with the appellant. Thereafter, the wife of the deceased and his legal heirs filed MCOP No.721 of 2014 stating that the accident happened due to the negligence of both the drivers. The deceased Neelakandan was doing Coconut business earning more than Rs.20,000/- per month and claimed compensation of Rs.35,00,000/(Rupees Thirty Five Lakhs Only). The Income certificate/Ex.P.16 was marked and the Vice President of Cultivation and Marketing of Coconuts Association namely, P.W.3 was examined. P.W.3 stated that he is the vice president of Peravoorani Coconut Farmer Association. The 3/16