1 2025:CGHC:60017 NAFR HIGH COURT OF CHHATTISGARH AT BILASPUR MAC No. 130 of 2022 Branch Manager, The Oriental Insurance Company Limited, Division Office, Dhamtari, District- Dhamtari, Chhattisgarh. ... Appellant versus 1 - Smt. Sujhwanti Bai, Wd/o. Late Ashok Banjare, Aged About 29 Years, R/o. Village Pitaipara, Police Station- Rajim, District- Gariyaband, Chhattisgarh, Presently R/o. Village Parsada, Police Station Sirgitti, District- Bilaspur, Chhattisgarh. 2 - Soman Kumar, S/o. Late Ashok Banjare, Aged About 16 Years, Minor, Through Natural Guardian Mother Smt. Sujhwanti Bai, Wd/o. Late Ashok Banjare, R/o. Village Pitaipara, Police Station- Rajim, District- Gariyaband, Chhattisgarh, Presently R/o. Village Parsada, Police Station Sirgitti, District- Bilaspur, Chhattisgarh. 3 - Ku. Piteshwari, D/o. Late Ashok Banjare, Aged About 14 Years, Minor, Through Natural Guardian Mother Smt. Sujhwanti Bai, Wd/o. Late Ashok Banjare, R/o. Village Pitaipara, Police Station- Rajim, District- Gariyaband, Chhattisgarh, Presently R/o. Village Parsada, Police Station Sirgitti, District- Bilaspur, Chhattisgarh. 4 - Ku. Vidya, D/o. Late Ashok Banjare, Aged About 12 Years, Minor, Through Natural Guardian Mother Smt. Sujhwanti Bai, Wd/o. Late Ashok Banjare, R/o. Village Pitaipara, Police Station- ASHOK SAHU Digitally signed by ASHOK SAHU Date: 2025.12.10 17:15:42 +0530 2 Rajim, District- Gariyaband, Chhattisgarh, Presently R/o. Village Parsada, Police Station Sirgitti, District- Bilaspur, Chhattisgarh. 5 – Arya, S/o. Late Ashok Banjare, Minor, Through Natural Guardian Mother Smt. Sujhwanti Bai, Wd/o. Late Ashok Banjare, R/o. Village Pitaipara, Police Station- Rajim, District- Gariyaband, Chhattisgarh, Presently R/o. Village Parsada, Police Station Sirgitti, District- Bilaspur, Chhattisgarh. 6 - Ku. Meenakshi, D/o. Late Ashok Banjare, Aged About 8 Years, Minor, Through Natural Guardian Mother Smt. Sujhwanti Bai, Wd/o. Late Ashok Banjare, R/o. Village Pitaipara, Police Station- Rajim, District- Gariyaband, Chhattisgarh, Presently R/o. Village Parsada, Police Station Sirgitti, District- Bilaspur, Chhattisgarh. 7 - Smt. Kanti Bai, Wd/o. Late Lakhan Lal, Aged About 55 Years, R/o. Village Pitaipara, Police Station- Rajim, District- Gariyaband, Chhattisgarh, Presently R/o. Village Parsada, Police Station Sirgitti, District- Bilaspur, Chhattisgarh. 8 - Premlal @ Pappu, S/o. Chhabluram Dhruv, Aged About 28 Years, R/o. Village Bodki, Ward No. 2, Police Station Fingeshwar, Tahsil Chhura, District- Gariyaband, Chhattisgarh ( Driver Of Truck No. C.G.-04-J.A.-2916). 9 - Dilip Kumar, S/o. Fatandas Panjwani, R/o. Raipur Raod, Dhamtari District- Dhamtari, Chhattisgarh. ... Respondents For Appellant : Ms. Swati Agrawal, Advocate on behalf of Mr. Pankaj Agrawal, Advocate For Respondents : None appeared. (Single Bench) Hon'ble Shri Justice Sanjay K. Agrawal Judgment on Board 3 10.12.2025 1. The appellant/insurance company has preferred this appeal under Section 173 of the Motor Vehicles Act, 1988 calling in question the legality, validity and correctness of the impugned award dated 09.09.2021 passed by the learned First Additional Motor Accident Claims Tribunal, Bilaspur in Claim Case No. 696/2019, by which the claim application of the claimants has been allowed and the Claims Tribunal has exonerated the insurance company as the vehicle was being driven in terms of the breach of policy, therefore, applying the principle of first pay & recover directed the insurance company to pay the amount of compensation. 2. Ms. Swati Agrawal, learned counsel appearing for the appellant/ insurance company, would submit that the offending vehicle was being plied without valid & effective driving licence, therefore, the appellant/ insurance company is not liable to pay the amount of compensation and, as such, the impugned award is liable to be set aside. 3. None appeared nor any representation is made on behalf of the respondents despite second round of hearing. 4 4. I have heard learned counsel for the appellant/ insurance company, considered her submission made herein-above and gone through the records meticulously. 5. Learned Claims Tribunal in para 21 of the impugned award has clearly recorded a finding that the offending vehicle was being plied without the valid & effective driving licence, therefore, applying the principle of first pay & recover from the owner as propounded in National Insurance Co. Ltd vs Swaran Singh & Ors1 fastened the liability upon the appellant/ insurance company and then to recover from the owner of the vehicle. As such, I do not find any merit in this appeal, the same is liable to be and hereby dismissed. Sd/- (Sanjay K. Agrawal) Judge Ashok 1 (2004) 3 SCC 297