FAO-4764-20 XOBJC-88- '()& #" * / 2017 (O&M) & 2019 FAO-47 XOBJC , " ! "# '( % *+%'$ #0&$1 & +" 2 #3&$1 + 2! 45 67! 5..8-) 22 ,- ./ %" "! !" #$ " 6+"& :" %! ;) +"#," $ &-. + ! -1- 4764-2017 (O&M) & OBJC-88- 2019 $ "# $%& %) "%&%0&1 2 &(33 %'$ $%&3 5 +("9 %! &6< " + -..&"(+( ( "(" & " 4 4 GAURAV ARORA 2026.03.27 16:13 I attest to the accuracy and integrity of this document FAO-4764-20 XOBJC-88- 4 4 55 ! 4 06.04.2017 pa Judge), Mohal Section 166 o " += " + > = ? ! + 9 , *("& (9 ! >" %" " ( 2017 (O&M) & 2019 9 " ! 5 ,6 %" 2! " 6 5 " passed by the learned Motor Accid Mohali (for short, 'the Tribunal’) in 166 of the Motor Vehicles Act, 1988 + &(" =&? &42 (9"@ " *(" # , * " + !" + !" 4 2! ! " 4 55,6 >+ + + " " (9"9(( !( ( >=2$ *("9( 91! ( ( $ ! .? -2- " " ! + ! 2 ) ( " 9 r Accident Claims Tribunal, (District l’) in the claim petition filed under t, 1988 !" %! &+ " 2! 4 " @A + ," $ & " 2 (+" %! & "+& 1" ( " =& >" (#" +""& $2 ?& 1 ! " &"(" ? & 9" " " 2 strict nder " + 2 GAURAV ARORA 2026.03.27 16:13 I attest to the accuracy and integrity of this document FAO-4764-20 XOBJC-88- !9 1( " 9" & + 9 "# 3 1 0 &"( * -&# !" = "+ +!" " 2017 (O&M) & 2019 "(&3"#" " ( ( (!"++" & + & 9" " # ("" 1 B & "2& #" & + ("&+%"+&" #" &+!&! " C + " + + D " ( + " " %! 2 ! ( % ! '(,-$./, -0 & '' "!) ! * * * '' -3- &"&9" 1 "(" & & "!3+" 9"+& >" *(" " & ( >"*("9 & + 9"& " 9 + &"93#B & " 11 2 & & " + 9( 9 ! "!"#$ % & ! 1 *+ & " & 2 GAURAV ARORA 2026.03.27 16:13 I attest to the accuracy and integrity of this document FAO-4764-20 XOBJC-88- 2 2 2 & " =&? &42 >" " + " . " " ! %! " ( (1 "D 9 <<9 !" 2017 (O&M) & 2019 203 '4! 253! '4! 2$34 !6 $+3( " %! " 9 2 (9"@A *("" 2 1 +" ( 9 ! " ! ! !B " ("" 1(+"++(1" 9(9" " &9" "& (" " -4- & ! 1 * * " ("1 " + +"+ 9" ! B &" 8 " %! ( +"("" "" +"! " ( &! " * + + GAURAV ARORA 2026.03.27 16:13 I attest to the accuracy and integrity of this document FAO-4764-20 XOBJC-88- - " 9&! ""(" %! " + " 4 2! " 9 " ! %"+&" + ! " ? 9" 2017 (O&M) & 2019 B+" "& " (+ +"( ( " !("" +" 9"++ !B+ 9( =A9+ + " & A "("+"+ ! 9"( + "" 91!" %! " (" " " " """ 2! " 2 !" 9 "1 " + +" -5- " 1 ! & +"++(1" 6 ) ! ! "1 "/+ "! +" "" + &9"&" & " (" "1! !&" (9!! + + " 5 !" %! " B+" " " 2 4 5 ! ! 9 ! + + " " & ) " + " GAURAV ARORA 2026.03.27 16:13 I attest to the accuracy and integrity of this document FAO-4764-20 XOBJC-88- 1 2017 (O&M) & 2019 >+ (+"&9 +"92 7)8! #! 9 & * "* +!'":.! +!'":.* ! "!" 1 !'(-$,./, -0 ( ! ; & ! *<< * * * ( * & & * -6- ! " + 4 ', :.!9 , & , "!"#$!; , & -0* * , & , *! 1 & ! ' ! * , * =! "!"#$!; ! * " , , , , , , ! , * GAURAV ARORA 2026.03.27 16:13 I attest to the accuracy and integrity of this document FAO-4764-20 XOBJC-88- 2017 (O&M) & 2019 & -0!>*' * ( !( * & 1 * ! 9 * & *! 1 & && * ! "! * & & !) !%* * -7- ! '(-$,./, * !"* & !" , +!':(!* ??4 +!':>* & ! & ! , *&* *!) * &, !'("0,%, -0* * &+ & & & , **, !)*>)4& *! * ??4* & , , ! , ) , , , GAURAV ARORA 2026.03.27 16:13 I attest to the accuracy and integrity of this document FAO-4764-20 XOBJC-88- 2017 (O&M) & 2019 & ! !) * & ! 0 ;* & * >)4 * &! 1 ,@ !) >)4 ! ! 9 && * & ??4 !) & ! @ * !) * -8- * & ) * &, & !** & , !&* & * & * & >)4 & , , * , !)* ! *&* , ??4& ! 1 * , , * @ & 1 &, , &* * & , , , , , , GAURAV ARORA 2026.03.27 16:13 I attest to the accuracy and integrity of this document FAO-4764-20 XOBJC-88- 2017 (O&M) & 2019 ?? !) * @& *',"4 & & ! . & & * & * !% ** * %* ! &+ & !.* ! 5! ) 4 * -9- ??4*& & !) * !. , , ! '(-$,./, -0* & & * & & * ,+ ! * & & ',"* ', , , & ! GAURAV ARORA 2026.03.27 16:13 I attest to the accuracy and integrity of this document FAO-4764-20 XOBJC-88- 2017 (O&M) & 2019 * * & & ! 1 ( !. $! * @ * +/ * & & -! > * * & ( & A B' & ! 9 & * A,"$ * ! * * (/ . . / -10- * & * !'(-$,./, -0 ! !.* ! & *+ * & , ! ! ) & * !* '1:(* & = ! 9* * ( * !) , (/.C!/ !% ! ( ! , * * ) , ! GAURAV ARORA 2026.03.27 16:13 I attest to the accuracy and integrity of this document FAO-4764-20 XOBJC-88- 2017 (O&M) & 2019 & & & 1 @ * & @ * * ; * ;& / 4 2/ 3* #* & * 9 * * * & & * !. /* E ! 9 / 4 * 2 / $#D & + F E 2 3 -11- +!' :?* (/. "# $! * ( * !/ * , &4! $*###:, ! *& !4 & *"# 02034/4 $#D , ! , ( ; , & , &* ( *& ;E& F F! ? !"##=2034/ , 3* + & * !. , $! , ! 4 , ! , , , , * , GAURAV ARORA 2026.03.27 16:13 I attest to the accuracy and integrity of this document FAO-4764-20 XOBJC-88- 2017 (O&M) & 2019 * & ! & ;E& "#02034/42/ 3* #* & /* * !& ( ! ;.? 2 3 2 3 $#D&& 2 3 :"!!2 3& + 2 3 / A 2F3 1 99.1/%'.9) ..4?? A . 1 & !'(-$,./,-0. 4* & *& -12- & * A< 4!4& * @ & & * 4! *##*###:,9* * * G, /.1/81.9) 4G$*###:,! 24!$*###H4! $##3 4!""*$##! 24!""*$##,*"$#3I 4!*"$#:, 24!*"$#+"+A3I 4G"5*0#*###:, 4!*##*###:, 4!"$*0#*###, @ * ! % * +! @ !" ! 9, * *, ! +! , , GAURAV ARORA 2026.03.27 16:13 I attest to the accuracy and integrity of this document FAO-4764-20 XOBJC-88- = %! ! " 29 + 2 E " 9" " "!(" ( @+ "+ 2017 (O&M) & 2019 * * & !. $ + + " 1 ! "(" "" +""( ( 21+"++( " " & 9" " + " + 1 5"( "1&" %" %! " + F2 ( 9" " ! " D"& " ( (" !" % "#," $ & ( %" + !! -13- ** , * * !6 "9 " " " / 1(+"++(2 (1" %" %! + F2 *("& ( ! " ! ( ( " ! " 2 + 3 1 & " " + " ( 2( + " D %! 9 " & ((+D "++ " + ! ! , " 2 "& " " 2 & " GAURAV ARORA 2026.03.27 16:13 I attest to the accuracy and integrity of this document FAO-4764-20 XOBJC-88- !%" ! . +"<< 9 ( ++( 1 ! %" 1 ! - ++(1" " ( "(" & "" 23" "+>" " + 4 55 4 2017 (O&M) & 2019 &" &" G/ &" %! " !( ! 21 " +& 1" " "& " !" *(+ &23"1 1" "!E &+ " 1 (" " 91+ ( 19+" ( !" %! 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" + &" " " + " " " 2 2 " " GAURAV ARORA 2026.03.27 16:13 I attest to the accuracy and integrity of this document FAO-4764-20 XOBJC-88- 9" " 2017 (O&M) & 2019 +3( " 7 B;! *" 8-6/ " 9+ 2 H!9 + 9 /* ! ; &@ / + 2:03& "0*,2:53 & 5-*, &+ !& * & * * +* & & & & !> * & ! ) -15- " 9 + ! 6/0*" 2 %0"('! !,,9& " 1+ & & * ; /* * * & , & & 2:$3& +! & ! ) * $#D & ! * * 23 & *& & ) & & + , ) & GAURAV ARORA 2026.03.27 16:13 I attest to the accuracy and integrity of this document FAO-4764-20 XOBJC-88- ? !"# " 9 "+ 9 2017 (O&M) & 2019 * & * & * *& ! 9 & * * $#D & +& !;* , & + & &, ! % % % & / 253 9J* 9 $"#""$ * %, 0$ *%,$0-5# %,05-$# * * *%,$ *%, --$ B;! * " # "$8- * & ?2$ . 9( 2 -16- & & ! & & & & $#D & & * & * , & ! % % % & & & & 2 & J* 9 / / 3* A 2 "$ 3*& "-0# *%, -0 *%, 55 5$ * & $ $$ *%,=$--# %,$-- # ! " + '( 8- , /, 5 9" + .+"#," $ &-..& & & 3* -# ( ..& GAURAV ARORA 2026.03.27 16:13 I attest to the accuracy and integrity of this document FAO-4764-20 XOBJC-88- 2017 (O&M) & 2019 2.3 ? K 2(3 2/3 . & 2?3 4 & * K 23 > G ! %" 1+" ( H) . (* 4 L! ) + *4 *##*### *##*### ! 9 + !9 ? * & & @ ! . @ ! 9 & +* & & & ! 9 ! * -17- + K K * * + * &K , + ( 2 * * + 4!"$*### 4 !94 ! 9 * * & & & ! 8 * & & & * !9 9 & & &+ & * 4 * & GAURAV ARORA 2026.03.27 16:13 I attest to the accuracy and integrity of this document FAO-4764-20 XOBJC-88- 2017 (O&M) & 2019 * & & & !9* ! ) * 4!5#*### 4! $*### & & @ & #D & ! M M )+! * && 9 &0 & 5# $# &$#- $D!. +! )+&!) + * & & 5# -18- @ * & +& & * * + & 4! $*###* ## !9 & !( , @, ! & & & ! & M M M * $#D 5# * &! 0#D* ! ) -# * & & , 23 5#D & !. "$D & #* ! & D ! & GAURAV ARORA 2026.03.27 16:13 I attest to the accuracy and integrity of this document FAO-4764-20 XOBJC-88- &!0"'&1 (= "! 8,5 "'&': (= +" 2017 (O&M) & 2019 & & !9& +! )+)! > & F )+,9 9& F ! )+-! 9 ! )+.!4& * & 4 $*###* !9 #D B;! * " %2*'&: ;2;( $ <! '&0 ,5-,5/ ,39 + (=;-0*"'/" " 9 2 7!./ ( & !) -19- 5#$# #D & $# -# & * +* & & 0#0" &! & N 5" & & * * + #* 4 5#*### 4 $*### & !6 " + '>2' & "'+ 0 '2 '+;'! =0="0 '2 . ( '"+' < "2'-!0*"'/ (( 1 / ' L ! *O O O D -# * ## '+ . L GAURAV ARORA 2026.03.27 16:13 I attest to the accuracy and integrity of this document FAO-4764-20 XOBJC-88- 2017 (O&M) & 2019 O* O O!9 * * * * "! !'('! O * * "!"!('! * * O! "!0! ('! !. !9 * * ! ! / & % E ! % & -20- O* O * * * ! * + ! '! &, * * O! '! * O * * * !/ ! , + ! * ! GAURAV ARORA 2026.03.27 16:13 I attest to the accuracy and integrity of this document FAO-4764-20 XOBJC-88- = >" %! 9 2017 (O&M) & 2019 * ! 9 % F * & & ! &! 9 & ' *4 ! $ + " ( 9 *("9-+( 1 "(""# ! "(" " -21- !9 * ! . & * !) * & !' .!.; / ! ;* & & & O O L!)* 45#*### 9 1 " " & "+" &9" " #6GEF4>)%"+" +." * * & " " GAURAV ARORA 2026.03.27 16:13 I attest to the accuracy and integrity of this document FAO-4764-20 XOBJC-88- ! + " " ! " "9" " ( 9(+ " %" 2017 (O&M) & 2019 $ +" + " ((+>$+0 & "! ! "( " " / / + "" + " (" / +( "B;! /*0 ,+) ( ! 1 +((+ + " ! %" 1+" 75! 9 + !9 ) !99 & 0*00=:,& ! 9 ; / * * / / A -22- 1 "" 9 01 (&#" " " " 9 + B91& " +" = / + +" ;! "* 0 /1) ,&23 1" (2 + ! + " ! + " (!/ ) /., & 4! & / @ , / /.!9; 4!0*0$":,! 9 & * ; / , & / ( &23 2 , ! , , GAURAV ARORA 2026.03.27 16:13 I attest to the accuracy and integrity of this document FAO-4764-20 XOBJC-88- 2017 (O&M) & 2019 ) / 2"# 3-//-A#! $!99 & ! @ *"5*#0":, ; / + 4! & ; / -! 9 / / ! 9 / * ! & ! 9 / & & & -23- 1 ! ' * 4! A*#0*$ ":, & , & 4! !9; / 4! ##D & ! 9 4! 5 * *, * , * *""*0$-:,!9 , / 4!0"*5-*0AA:,! / , & / . + , ) / ? & , & @ , , "## ! / . * , , ! ! , , , , , , , , # GAURAV ARORA 2026.03.27 16:13 I attest to the accuracy and integrity of this document FAO-4764-20 XOBJC-88- . 4/ 5 " 2017 (O&M) & 2019 + / . & * & 4!$*###:, & 0*0$":,!. 4!$*### * & & ##D & 24!$*###:,P 5#DP "P 4! 5 *""*0$-:, 4 Q=D * ; /& !6 D"&B;! 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ORIENTAL INSURANCE CO. LTD. v. RAMANJIT KAUR AND OTHERS

Judgment text