FAO-1193-20 "# + , % . 2021 (O&M) # ! %&# +,#%" "/0 1%$ % "/+%$ % " 0"0%$ 2 33 * ( $ %&''()" % 5 *(67 4( - 2%8'%93 -" '3 9 -1- -.-/ 01 $ - ! "#$2.-.-2 #' #$#($)*$&.2. -.-2 #%""#$-. -.-2 1 4 !! "$ *(% () 4 1 14 :8.; # $ % )4 () % ) GAURAV ARORA 2026.03.12 15:12 I attest to the accuracy and integrity of this document FAO-1193-20 7 1 % )1 0 1 2 41 # ! % 0 2021 (O&M) 14 (4 %* $ % + =% 4 ( % 4 () / 4 < ) > - .&' '9 ? )1 > 1 3 , 1 #$%#&!#'(##)* ! + -)) %" !/ -)) 0" 3 2 -2- .'% - , 411 )4< $(!"%4) 4 11( ) % )1 / % +% 4 !' 4 1 923$ % 9 % *( ,2 4 ! 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' 9 1 !A)40+ ! + #'(##)*, 1 * :B 93 3 ! => , 1 -5- 4 ! +,4 >! 4 ?60 ! +,4#&54$#60 4 , 1 4 #$%#& ! 4 @ 1 9!#'(##)* 4 4 ! , 1@ 4 4 4 4 4 4 4 * 4 4 GAURAV ARORA 2026.03.12 15:12 I attest to the accuracy and integrity of this document FAO-1193-20 2021 (O&M) C @: + )409 1! ! 4A 6 D " , A) :):A)0D " " ! 1 ! D", / ! ! D)*,A & , B -6- 3 1 ! !!4A ! ! !! ! )409 1 !! D 60 , )40 9 B ! *9 : B 4 A)$ @ B % 4 60 4 @ 4 GAURAV ARORA 2026.03.12 15:12 I attest to the accuracy and integrity of this document FAO-1193-20 2021 (O&M) ! ? " *8 ! %# " !"#$!%&# !#! / : ! ! " +, - /( !%&0 ! +E! : / ! ! B ! ! ! ! / "+1 . / / -7- @ ! 8 9?&&@ 4 ! / #!!%&"'()*B ! : ! . ## ! " 4 4 B ! 4 ! ! 1 ) !%%2 '#* 4 4 4 4 '#* GAURAV ARORA 2026.03.12 15:12 I attest to the accuracy and integrity of this document FAO-1193-20 2021 (O&M) --'*0% " ! +E -!%&0 4, 5 * / ! ! " - . / !%&2 / 223 ! ! ! %# " 60=% ?60A)0 : " -8- ! +E! : ! ! ! !! ! ! ! E! 9A : / %&0/&&3#'. / !! -6 7 / - ! ! ! ! )09 1 0=%>:: )4 4 !A! 7 - 4 4 GAURAV ARORA 2026.03.12 15:12 I attest to the accuracy and integrity of this document FAO-1193-20 *(% % 3) 2 )34 4 $ . 1 )( 11 2021 (O&M) B ! $ 1 4 4 1) 11 )(11 /-3' *4 % 1 1 ) % 4 % ) 3)% 1 0 * )=3$0)+ 1 ( 1 ( 4 -9- !! ! ! 4 , 1 " 4 ” 4 4 ) B ) 1 % 'F3.8 =3$0)+ %4 ) 1 (1 () 3 )% ) ) 4 1 0 ( () < + % 1 3 1 3@ 3 / 4 4 ) 1 3 3 GAURAV ARORA 2026.03.12 15:12 I attest to the accuracy and integrity of this document FAO-1193-20 > ! 1 ) 41 4 11 8 )1 1% 1 1 1% 1 ' <1 2021 (O&M) ) ( () - 4 ( 1 3 ) 4 ) 11 % * 1 ( 11 ( ( ( 0 1 )% > - 1 1 % 1 11 1>1 111 )% % 1 A % 1 ( 4 -10- () 1 1 4 ( < % 4 %( ) 3 4 ) 1 ( )4 ) % % 1 * ( ( 1 4 1 1 $ 1 8 1 13 ) 1 1 1 % % 1 % 3 1 GAURAV ARORA 2026.03.12 15:12 I attest to the accuracy and integrity of this document FAO-1193-20 4 (@ ) 1 " 1 )( & ( ) 1 6( (!7,% ! ( 4 4 4 ) 1 1 1 * 2021 (O&M) @ ) )% 3 1 % () ( 1 1 4 4 11 B ) ! 6($8(8%**% #9%$% -. / ( ( 11 6(*% 767 %$!%8 4 ( 11 ( 4 ( % ( ( )11 1 = 1 )% ( ( 1 < ( -11- ) ( 3 11 ) 3 ( )11 % ( 0 3 ( ( 3 ) 11 78( / 1 22% /6( 3 ( %4 ) * 3 %88%$7$:9-.;/1 % ( 0 4 ( (3 3 ) ) () ( ( ) 3 ) 3 3 3 3 78( 3 3 % (3 ) 3 GAURAV ARORA 2026.03.12 15:12 I attest to the accuracy and integrity of this document FAO-1193-20 ( ( ) 5 8 % 4 B ) 1 1 ( 4* 1)% 0 ( @ 2 (4 2021 (O&M) ( ( 4 4 ) )11 4 () , %#%&!%! /6( ()11 %4( 1 * 4 ()*( ( 1 43 ) ) 41 $14 4 () *( $ 14 4<1 < -12- ()( 4 1 *( $'*70##70#3$!%!# 1 ) ( 4 01 % 11 )3 1 () (1 )% B ( 1 % 4 1 - 93 ) 4 4 !# 3 GAURAV ARORA 2026.03.12 15:12 I attest to the accuracy and integrity of this document FAO-1193-20 () . - .9 %4 26. 9( ) ( 1 ( 8 ' appellant–Insu in law by awar 2021 (O&M) () ( % 93 () 1 4% 4% :: / '!%!!*&&20 ) % 11 %( * $@ 1 4<%( ) 4 4 )%1 %4 ) 1 So far as the contention raised Insurance Company that the learned y awarding compensation separately u -13- 11 *(% ( ) 41 * ) 4% 4 () / ( +; &20% 4 41 )( ( @( ( % 1 1 %<1 % (0 %% ( - &<%%%=7 raised by learned counsel for the learned Tribunal committed an error ately under the heads of “loss of con- 1 ( r the error n- GAURAV ARORA 2026.03.12 15:12 I attest to the accuracy and integrity of this document FAO-1193-20 sortium” as w mission merits 29. 5>8 ) * 2021 (O&M) as well as “loss of love and affectio merits acceptance. */6( 8 1 41 *$@ 1 E ( 4( % @ %% " , = ! ! + : A => ! ) = $% 9 ,! =%#0>?:: A , -14- ffection” is concerned, the said sub- !%!" &#&% 1 3 1 )D % %4 B)% ( 3 => : ; 4 F ) => , A -! => ( A ,G, ::$7H",%$### , ##### b- 3 > ## GAURAV ARORA 2026.03.12 15:12 I attest to the accuracy and integrity of this document FAO-1193-20 2021 (O&M) ,##### B A B , G, $7H 3 " : 2 =%#%> ' B ! ! ! 9 / ! B ! ! - ! @ ! ! B @ ! ! , $### , 7#### F /4 @ / ! !#I -15- ,! =%#0> ? :: G 3 '::7%H ! ! < @ !/ ! B A ! @ ! B! - !A ! @ / @ ! A! " A , $### B ! ! 4 ! ! : @ @ ! GAURAV ARORA 2026.03.12 15:12 I attest to the accuracy and integrity of this document FAO-1193-20 2021 (O&M) ! %0B!/ =>J F 9 %7 B A B 4 A ! :K"" . * @ ) ) + %' " A : *L " B : ; @ -16- ! ! ) : F : B; " ! ! "9 ! ) , 7 4 ) ! ! ! ; B ! !/ :2,6 : A ! ; ! 6 GAURAV ARORA 2026.03.12 15:12 I attest to the accuracy and integrity of this document FAO-1193-20 2021 (O&M) ! B A ; ! B ( % 9 : F G ":2 '&#H ! " ; B A ,! =%#0>?::$7H % ;GF @E2 %% ) ;%0D -17- @ =%#&> & :: 0# ! ; ! B F : ) ) =%#6>':: - ; ; ; (G, $7H ! 4 2 3 =$?6?>H 9 @ B 0# : >H 9 GAURAV ARORA 2026.03.12 15:12 I attest to the accuracy and integrity of this document FAO-1193-20 2021 (O&M) : %%: ! 4 E A * B %0B*8 9 " ! ) + : G, + : J ::-2 ,0&7&.<@ )1%#0::- 1@ + : 2 : ??'::-2 ! %7B !! ; -18- * ! ! 99 J , , %#6 @+ : , , :-2 <%70$. 2@ : 167H+ ! ) " 9 6 " GAURAV ARORA 2026.03.12 15:12 I attest to the accuracy and integrity of this document FAO-1193-20 2021 (O&M) %6 " L " => ,#####M4 %&* 2 1& 4J *L " , ! : A 9 L " = > ! ! ( =%#% > :6&# 07 9 B ! + ! B : F -19- , 7# ### %$ * > , &# ###M4 : < " " : J F : ) = > = > ) = > * > : " B : + : ! F ) G 4 > GAURAV ARORA 2026.03.12 15:12 I attest to the accuracy and integrity of this document FAO-1193-20 Hon’ble Supre Tribunal unde 2021 (O&M) " : 2 ) ! A L " : 2 0#H : 0$ BB ! + B %? : ! : F 1=> * L " ! :/ 4 Supreme Court, the award of compen l under the separate head of “loss of -20- =%#6>'::'&#H N "*L G* , =%#&> & :: 2 : ! : !! F ) => ; 9 !/ !) => => 4 ! ; ; ompensation granted by the learned ss of love and affection” cannot be : > > ; rned ot be GAURAV ARORA 2026.03.12 15:12 I attest to the accuracy and integrity of this document FAO-1193-20 sustained in la the said head i 31. awarded unde consortium is of settled law o . / 4 2021 (O&M) d in law. Accordingly, the amount aw head is liable to be deducted from the A perusal of the award furthe under the head of loss of estate, um is on the lower side and deserves d law of Hon’ble the Supreme Court. < /6( /=/-.. 1 4 3 D#%B A B @ : + !/ : A =M0> ! %04=M7> ! 7'4 !A #& ! ! A ! -21- unt awarded by the Tribunal under m the total compensation. further reveals that compensation state, funeral expenses and loss of serves to be recalculated in the light ourt. 1 12(+ *#( &%-4% ! ! + : ! 4 ! ! =M$> ! A ! " $#I ! nder ation ss of light % 4 " GAURAV ARORA 2026.03.12 15:12 I attest to the accuracy and integrity of this document FAO-1193-20 2021 (O&M) ! ! @ ! D @ ! " ! ! ! #! B ! $#I ! A! + 4 ! A ! !@ 4 ? ? ? 3! : =7> BO B $%#%%$ *46 0$ *4$0'7# *407'$# -22- => ! ! ! " ! ! ! ! ! ! ! $#I ! ! ! 4 ! ? ? ? ! ! ! ! = ! O B @ : : > & = %$ >! %'0# *4'0 *4777$ ! ! ! ! > GAURAV ARORA 2026.03.12 15:12 I attest to the accuracy and integrity of this document FAO-1193-20 / 4 4 2021 (O&M) *4$ *46''$ /6( ( =/-. !!%!3$!' 41 3 ,$7 G ,7 ,7 $1 ( ,7 - (1 % G ,H7 > 1 4 ) *01 D ! 9 ,P " A,##### ##### B A B 3 -23- $$$ *4?$''# *4$''6# =/-.51223.4 '"# $ %&''% 1@ 11 G )1G %)% @ % 4 1 0(G 3) @ 1 3 A ,%$### , B, B '# ''% , GAURAV ARORA 2026.03.12 15:12 I attest to the accuracy and integrity of this document FAO-1193-20 2021 (O&M) ! ! / 9 / B ! A ! @ ! ! B - ! ! ! B " ,7####,$### ! @ ! / ! #I ! Q Q 2# -24- ! ! ! < @ ! ! ! @ B B ! ! !A ! @ @ / @ ! @ A! ! A ! ,$### ## B ! F 4 /4 ! ! ! ! Q Q Q $#I @ ! ! # ! I GAURAV ARORA 2026.03.12 15:12 I attest to the accuracy and integrity of this document FAO-1193-20 2021 (O&M) ! ! B !0 ! 7# $# ! $#' $I9 A 23" A ! ! 7# ! ! B! A 2 D ! 8R 2"B B! 8 2< B 20,! ! , $### B #I -25- 7# ! 0#I " '# ! ! 4 => 7#I ! 9 %$I 7#$# #I ! $# '# ! A ! ! 0#0% ! ! S 7% ! ! A # , 7#### , $### ! ; ! I '# ## GAURAV ARORA 2026.03.12 15:12 I attest to the accuracy and integrity of this document FAO-1193-20 2 $( %$) &9 =-.3 %$%>&9 2021 (O&M) /6( #*+%$> 7*7&" ? %$( .3/31 .4 &97/(+ %1 4 3 !&9: F ! " T T TB %/ T %% T %0 9 -26- %:*% $ %, ( %* %,7% 9(9 ( %* 0 1 % ,% ? *%/(+ %1 11 - : ) P - T T T T T A ! 4 T T %, 0 P GAURAV ARORA 2026.03.12 15:12 I attest to the accuracy and integrity of this document FAO-1193-20 2021 (O&M) @ B !! : ! * E * ! !# B * 8 ! ! !3 B ! -27- : 4 A B 9 ! " ! ) 99 + : + ! ! ! T T GAURAV ARORA 2026.03.12 15:12 I attest to the accuracy and integrity of this document FAO-1193-20 . 2 8 ' & ! @9&9 &9 2021 (O&M) ) , ; 4( ) ") > :2 4 @9 * " $ ) H >H@ - 2'%293@ #&%,#*+$%&7#$ *#($&@% ""A>&9 7A($%, $9%$)"%*#($& * 3 1 9 %@% " +%" A> &9 7A( -28- P" ,7#### % B( 3 / @ - 8%93 - !%'93,2;8%7 - %&93,%'I97 - &93,'C%&7 ' - .%8%293,&II - '%.93 - '%.93 - &!%'93 -5. ;..B -C53...B --;;..B /-5. ;..-C53...1 1 % 7A($%, )%$ A $9%$)" 7$ %$ ( '7 $ GAURAV ARORA 2026.03.12 15:12 I attest to the accuracy and integrity of this document FAO-1193-20 %++%,+ ' $#&'7,"%$> 5 >$A .& categorically h Insurance Com filed by the c under:- 2021 (O&M) ' "A>&97$( %$))#*+%$ $>) ##A8)&7#$# ) #%++% * B .&23. National Insu , decided on 31.01. cally held that the compensation can b e Company even in the absence of cr the claimants. The relevant extract o “%& B / J F )AB ( '!%!&* 2B ":2 2 F%H F! F %$'7 %# , , 6 / - 320 #<"'-/ , ,// // -29- +%$>@9$&9),%7*%$&9%! +%, ( Insurance Company Limited vs. 31.01.2026 wherein this Court has can be enhanced in appeal filed by e of cross objection or cross appeal tract of the same is reproduced as ! 4 / ; ( !&*&"3"<B 4 ( B @A 744%#?G L4 2@%#?::-4 ! + :J 4 9! D 94 %#' ! ), @ $ //7 / ,B / $7; ,7$ 7 C*@7 // $$ 7 vs. has d by peal as 4 ( 4 B GAURAV ARORA 2026.03.12 15:12 I attest to the accuracy and integrity of this document FAO-1193-20 2021 (O&M) %5@ @7 / // @ # @ ), ! , 7? &$06' =, 7B %? " ! ! 9A: : ! ! 4 ! 0# B : * 8 9 ! ! )AB 8,( 0D : + 1 -30- 7 $7 / $ ; /7 6 /7 $$ / $/ B 4 @ 4 4 A > 4 ! + : !)4 T 4 4 !4! ! 4! 4 AB/,// ( '!%%#*!!<3 D9-4$&074%#' . / %#? %#%$ (4 GAURAV ARORA 2026.03.12 15:12 I attest to the accuracy and integrity of this document FAO-1193-20 2021 (O&M) DB : 7& )// %? #$%#%7 -K (4 “ -DD. - -D1E-D #6(4) 9 : => =!>. => => @ !@ =%>! :: > - ## $ &2%0F7 ## @ $ $ ! @ / : ! -31- &2 7!%%" + // A #6 :): K2", 00:): E1D- .)D 1D -D&2%0 9 :U=>! ! ! U . . / 4 9 : ! ! $ $ $ //UB 9 : @ ! A ! !A ! : D 4 ! GAURAV ARORA 2026.03.12 15:12 I attest to the accuracy and integrity of this document FAO-1193-20 2021 (O&M) ! ! G) 9 0$9 : %&KKKKKKK ? 9 ?#& : 9 :: 9 ?&& ! ! 9 9 %#%$KKKKKKK E %'B9 : ! 00 : ! -32- ! 4 !A4 ! ( : @ 9 ! 4 @H KKKK #6:: ) 9 : ! ! * 8 ! ! ! ! KKKK : ! 4 4 #6 -K2", : ) ?#& @ @ 4 A4 4 ! 4 4 @ 4 GAURAV ARORA 2026.03.12 15:12 I attest to the accuracy and integrity of this document FAO-1193-20 2021 (O&M) / : %6* L ! F ! A J ! " : -33- ! A ! !A 4 ! ! M M 4 9 4 : ! M B 4 4 B: ! " VM J 4 4 4 4 4 GAURAV ARORA 2026.03.12 15:12 I attest to the accuracy and integrity of this document FAO-1193-20 2021 (O&M) B: ! B! ! ! %&B: M "'049 8 9 ?&& -K2", 00 9 : K2", 00: 4 4 ! : %? : %? - 9 : '04 8 9 ?&& ; -34- @ ! 4 @ ! 4 4 49 '' * && < #6 00:): 4 : B #6-4 :): 9 : 4 4 B 9 9 ! B 4 ! 49 '' * ?&& 4 @ ! 4 4 4 4 4 4 4 4 4 GAURAV ARORA 2026.03.12 15:12 I attest to the accuracy and integrity of this document FAO-1193-20 2021 (O&M) 0 " M @ ! 4" : / 7 "A @! 9 ?&& ! B 4 $ 9 2 ; % ' " ! - '*3# * @ ! -35- ! % ! 4 / 4 :4 4 !4 ! :4 *8 ! 4 : !4 : 4 ₹&0& %=7 M +V! : !%!!'3*-- 9 : B ! ; 4 4 4 4 ! 4 4 !4 GAURAV ARORA 2026.03.12 15:12 I attest to the accuracy and integrity of this document FAO-1193-20 ' -. / & 4 ( * (< 2 "7*7 2 .2. -.-2 K$ = = 2021 (O&M) ! 9 : 1,:15 52- '!%!!* / 1 :&; 1 *3 14 4 )**( 9 * 9 *( B)% 7" 1 , 7%)% / <193 <1 ( L -36- "4 : A ! 4 ; % () /6( 56 , .. / &%< 3 J ) 3 4*(4 ( 3 14 3 4 % (1 % % 1 <1 L 9 3 3 3 3 % GAURAV ARORA 2026.03.12 15:12 I attest to the accuracy and integrity of this document

NATIONAL INSURANCE CO LTD v. BIRMATI DEVI AND ORS

Judgment text