Dismissed¶27

(O&M) N.I.Co. Ltd. v. Smt. Amarjit Kaur etc.

Motor accident claim appeal – recovery rights

Punjab & Haryana HC25 Feb 2026FAO/301/1998

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What is this about?

National Insurance Company Ltd., Amritsar (appellant) v. Smt. Amarjit Kaur and others (respondents; respondent No.4 driver Beer Singh); FAO-301-1998 (O&M), High Court of Punjab and Haryana at Chandigarh, decided 25.02.2026 (neutral citation 2026:PHHC:029919), Justice Deepak Gupta (oral). Key terms: fake driving licence; recovery rights; onus to prove breach of policy on insurer; non-examination of surveyor/licensing authority official; appeal dismissed. Related: SLP against this Court's order dated 12.12.2025 dismissed by the Supreme Court.

What did the court decide?

The learned Tribunal rightly held that the onus to prove the breach of the policy was upon the Insurance Company. ¶26

(O&M) N.I.Co. Ltd. Vs Smt. Amarjit Kaur etc. — Punjab & Haryana HC (2026) — LawSathi Research

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IN THE HIGH COURT OF PUNJAB AND HARYANA AT CHANDIGARH

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106

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FAO-301-1998 (O&M) Date of decision: 25.02.2026

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National Insurance Company Limited, Amritsar

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. . . . Appellant

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Vs.

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Smt. Amarjit Kaur and others

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. . . . Respondents

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CORAM: HON’BLE MR JUSTICE DEEPAK GUPTA

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Present: - Mr.Neeraj Khanna and Mr.Ravinder Arora, Advocates, for the appellant.

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Mr.Nagar Singh, Advocate, for respondents No.1 to 3.

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DEEPAK GUPTA, J. (ORAL)

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Learned counsel for respondents No.1 to 3 submits that the Special Leave Petition filed before the Hon’ble Supreme Court against the order dated 12.12.2025 passed by this Court, has since been dismissed.

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Arguments on the main appeal [FAO-301-1998] have been heard.

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Learned counsel for the appellant-Insurance Company has raised only one issue. It is contended that driving license of the driver-Beer Singh (respondent No.4 herein) was fake and therefore, Insurance Company was entitled to recovery rights.

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A perusal of the award would reveal that the driver had relied upon a copy of the driving license (Mark Z) along with the report of licensing authority, Raipur (MP) (Mark Z1), showing that he was having a valid driving license. On the other hand, Insurance Company had relied upon copy of the report of the licensing authority (Mark Y) along with copy of the surveyor report (Mark X), in order to contend that driving license produced by driver had in fact been issued in the name of one Brij Lal Bhola.

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However, as conceded by learned counsel for the appellantInsurance Company, neither the surveyor nor any official from the licensing

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VIVEK PAHWA 2026.02.25 14:03 I agree to specified portions of this document Chandigarh

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FAO-301-1998

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2026:PHHC:029919

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authority was examined so as to prove the reports relied upon by the Insurance Company.

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In view of the above, learned Tribunal has rightly held that onus to prove the breach of the policy was upon the insurance company. Since the said onus was not discharged by the Insurance Company, having failed to examine any official from the licensing authority, therefore, the Tribunal has rightly declined the recovery rights to the Insurance Company.

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No other point is involved. The appeal stands dismissed.

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25.02.2026 ��

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(DEEPAK GUPTA) JUDGE Whether Speaking/reasoned Yes Whether reportable No

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VIVEK PAHWA 2026.02.25 14:03 I agree to specified portions of this document Chandigarh

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Page 2 of 2

(O&M) N.I.Co. Ltd. v. Smt. Amarjit Kaur etc.

Case brief

What is this about?

What did the court decide?

(O&M) N.I.Co. Ltd. v. Smt. Amarjit Kaur etc.

Case brief

What is this about?

What did the court decide?

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