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High Court of Karnataka · body
2025 DAILYLAW 65181 (KAR)
THE MANAGER NATIONAL INSURANCE CO. LTD., v. SRIDEVI AND ORS
MFA/200342/2021 · 2025-11-06
H T Narendra Prasad, Tyagaraja N Inavally
body2025
[ 2025 DAILYLAW 65181 (KAR) · dailylaw.ai ]
[ 2025 DAILYLAW 65181 (KAR) · dailylaw.ai ]
Judgment text
Extracted from the PDF above. The PDF is authoritative.
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/01 233425 67849 4:;0<7 -& " <= ;/4 <;<9 4/0:541:; ( /494072=;4994=49948;<21>;/4:;?
=<9 1/<9;"/21@447=0548@A;/4:520B27;1@407C2CC904D48@A ;/4E68CB47;2782F29882;48(321148@A;/4 470<9 0D05 '68C4 278 880;0<725 /25G0 07 -$- 2:;1 C0D07C 9014 ;< ;/4 =0507C <= ;/4 233425 @904=5A1;2;48294;/2;<72;2@<6;*%) ;/4 84:42148 /27892G27;/ 25<7C F0;/ /01 1<7 F494 39<:44807C=9<B;/409/<614;<23252369/2D2704B354 <7;/409B<;<9:A:54@42907C 4C<H&($H( 2;;/2; ;0B4 2 B<;<9:A:54 @42907C 4C<H&($ H))* 908847 @A 0;1 90849 F0;/ /0C/ 13448 07 2 921/ 278 74C50C47; B27749 <7 2982369 :9<11 821/48 ;< ;/4 B<;<9:A:54 <= ;/484:42148@A;/4F9<7C1084278:26148;/42::0847; 1 2 94165; <= ;/4 2=<941208 2::0847; ;/4 84:42148 - 4 - 161;20748C904D<6107E69041278;/4942=;49 /4F211/0=;48 ;< ;/4 <D497B47; /<130;25 2; /25G0 278 ;/494 /4 16::6B@48;<;/407E69041 & /4:520B27;1=0548234;0;0<7678494:;0<7** <= ;/4 :; 144G07C :<B34712;0<7 =<9 ;/4 842;/ <= ;/4 84:4214825<7CF0;/07;4941; ) 7 149D0:4 <= 16BB<71 ;/4 9413<7847;1 23342948;/9<6C/;/409:<67145278=0548143292;4F90;;47 1;2;4B47;1 847A07C ;/4 2D49B47;1 B284 07 ;/4 :520B 34;0;0<794C29807C2C4 <::632;0<7 07:<B42784;: 7 ;/4 @2101 <= 3542807C1 <= ;/4 329;041 ;/4 520B190@6725=92B48;/4011641278;/4942=;4994:<9848 ;/44D0847:4/4:520B27;1 07<9849;<39<D4;/4:214 4I2B0748 :520B27; < 21 #H 278 C<; 4I/0@0;48 8<:6B47;1 72B45A I ;< I( 7 @4/25= <= 9413<7847;1 <74F0;7411F214I2B074821 #H278C<; 4I/0@0;48 8<:6B47; I 716927:4 <50:A /4 520B1 - 5 - 90@6725 @A;/40B36C748E68CB47; /458;/2; ;/42::0847;;<<G 352:4 <7 2::<67; <= 921/ 27874C50C47; 890D07C <= ;/4 <==47807C B<;<9:A:54 @42907C 4C<H &($ H))*@A0;190849 21294165;<=F/0:/ ;/484:42148 161;20748 07E69041 278 16::6B@48 ;< ;/4 07E69041 /4 90@6725 =69;/49 /458 ;/2; ;/4 :520B27;1 294 47;0;548 ;< 2 :<B34712;0<7<= 1( $H25<7CF0;/07;4941;2;;/4 92;4 <= (J 32 278 /458 502@54 9413<7847; <1 278 E<07;5A 278 14D49255A ;< 32A :<B34712;0<7 2B<67; 25<7C F0;/07;4941;407C2CC904D48 ;/01233425/21@447=0548 * 7;/4<;/49/278 ;/45429748:<67145=<9;/4 716927:4<B327A/21920148;/4=<55<F07C:<7;47;0<71% 2" 091;5A ;/4 2::0847; /21 <::69948 864 ;< ;/4 74C50C47:4<=90849<=<;<9:A:54@42907C 4C<H&($H ( 4 =69;/49 :<7;47848 ;/2; 84:42148$90849 <= ;/4 B<;<9:A:54/21:<B4;<;/44I;94B490C/;1084<=;/49<28 278 821/48 2C2071; ;/4 B<;<9:A:54 @42907C 4C<H &($ H))*;F21:<7;47848;/2;;/490849<=B<;<9:A:54 - 6 - @42907C 4C<H&($H( F21 90807C ;/4 B<;<9:A:54 F0;/;F<30550<7908491278:<B07CF0;//0C/1344807921/ 278 74C50C47; B27749 278 821/48 ;< ;/4 D4/0:54 :<B07C =9<B ;/4 <33<10;4 1084 864 ;< F/0:/ ;/4 84:42148 =455 8<F727816::6B@48;<;/407E69041/490@672549948 07 /<5807C ;/2; 90849 <= B<;<9:A:54 @42907C 4C<H &($ H))*25<740174C50C47;07:26107C;/42::0847;4 =69;/49 :<7;47848 ;/2; 0; 01 D49A :5429 =9<B ;/4 B<;<9 D4/0:542::0847;943<9; 13<;1G4;:/B232784D0847:4<= # 2::0847; /21 <::69948 864 ;< 74C50C47:4 <= 84:42148/0B145=#0;/<6;:<71084907C;/012134:;<=;/4 B2;;49 ;/4 90@6725 /21 49948 07 /<5807C ;/2; 90849 <= <==47807CB<;<9:A:540174C50C47;07:26107C;/42::0847; @" 794134:;<=K627;6B /4:<7;47848;/2;4D47 ;/<6C/;/4:520B27;1:520B;/2;;/484:42148F21429707C 1) $H 349 B<7;/ =9<B 2C90:65;694 278 C9<:49A @6107411 ;/4A /2D4 7<; 39<86:48 27A 8<:6B47; B6:/ 541127A@27G1;2;4B47;;<1/<F;/412B4/494=<94 ;/4 - 7 - 90@6725/2190C/;5A21141148;/407:<B4<=;/484:42148 7<;0<7255A :" 21;5A 07D04F<=;/40D010<747:/84:010<7<= ;/01<69;07;/4:214<= !"#;/4 92;4<=07;4941;2F29848@A;/490@67252;(J32<7;/4 :<B34712;0<7 2B<67; 01 <7 ;/4 /0C/49 1084 47:4 /4 392A1=<9801B01125<=;/4233425 - 429748 :<67145 =<9 ;/4 :520B27;1 /21 920148 ;/4=<55<F07C:<67;49:<7;47;0<71% 2" 091;5A ;/4 2::0847; /21 <::69948 864 ;< 74C50C47:4<=90849<=;/4<==47807CB<;<9:A:544:2B4 ;< ;/4 4I;94B4 90C/; 1084 278 821/48 2C2071; ;/4 B<;<9:A:54 <= ;/4 84:42148 BB4802;45A
2=;49 ;/4 2::0847; :<B35207; /21 @447 5<8C48 2C2071; ;/4 90849 <= ;/4<==47807CB<;<9:A:54/43<50:4/2D494C01;4948 278 2=;49 ;/<9<6C/ 07D41;0C2;0<7 =0548 :/29C4 1/44; 2C2071;;/490849<=;/4<==47807CB<;<9:A:544=69;/49 - 8 - :<7;47848 ;/2; =9<B ;/4 13<; 1G4;:/ B23 39<86:48 2; I- 0; 01 D49A :5429 ;/2; 90849 <= ;/4 <==47807C B<;<9:A:54/21:<B4;<;/44I;94B490C/;1084278821/48 2C2071; ;/4 B<;<9:A:54 <= ;/4 84:42148 64 ;< F/0:/ 84:42148 =455 8<F7 278 16==4948 C904D<61 07E69041 278 16::6B@48 ;< ;/4 07E69041 <71084907C ;/4 4D0847:4 <= # :<B35207; 943<9; 278 :/29C4 1/44; ;/4 90@6725 01 90C/; 07 /<5807C ;/2; 90849 <= ;/4 B<;<9:A:54 @42907C 4C<H&($ H))* 01 74C50C47; 07 :26107C ;/4 2::0847; @" 7 94134:; <= K627;6B /4 :<7;47848 ;/2; 2; ;/4 ;0B4 <= 2::0847; 84:42148 F21 429707C 1 $H =9<B 2C90:65;694 278 1 $H =9<B 8<07C C9<:49A @6107411 < ;/2; 4==4:; /4 /21 39<86:48 ;/4 :49;0=0:2;4 011648@A;/404 I27894:<98<=90C/;121349 I( 7 130;4 <= ;/2; ;/4 90@6725 /21 21141148 ;/4 7<;0<725 07:<B4 <= ;/4 84:42148 2; 1 $H F/0:/ 01 <7;/45<F491084 - 9 - :" 21;5A :<71084907C;/42C42782D<:2;0<7<=;/4 84:42148 ;/4 <D49255 :<B34712;0<7 2F29848 @A ;/4 90@672501<7;/45<F49108447:4 /4392A1=<9255<F07C ;/4233425 4298 ;/4 5429748 :<67145 =<9 ;/4 329;041 278 3496148;/4E68CB47;2782F298<=;/490@6725 ( ; 01 ;/4 :214 <= ;/4 :520B27;1 ;/2; <7 84:42148/27892G27;/F2139<:44807C<7/01 B<;<9:A:54 @42907C 4C<H&($H( 25<7C F0;/ /01 1<7 278 :520B27; <& F/47 ;/4A 942:/48 7429 ;/4 2352369/2D2704B354<72982369:9<11 2;;/2;;0B4 90849<=B<;<9:A:54@42907C 4C<H&($ H))*:2B407 921/ 278 74C50C47; B27749 278 821/48 2C2071; ;/4 B<;<9:A:54 <= ;/4 84:42148 864 ;< F/0:/ /4 =455 8<F7 161;20748 07E69041 278 16::6B@48 ;< ;/4 07E69041 < 39<D4;/4:214 :520B27;1/2D44I2B0748:520B27;<21 #7/494D0847:4 1/4/21940;492;48;/41;2;4B47; B284 07 ;/4 :520B 34;0;0<7 BB4802;45A 2=;49 ;/4 - 10 - 2::0847; #H /21 5<8C48 ;/4 :<B35207; ;< ;/4 3<50:4 2C2071;;/490849<=;/4<==47807CB<;<9:A:5421349I /43<50:4/2D494C01;4948;/4 2C2071;;/490849<=;/4 <==47807C B<;<9:A:54 21 349 I =;49 ;/<9<6C/ 07D41;0C2;0<7 3<50:4 /2D4 =0548 ;/4 :/29C4 1/44; 2C2071; ;/4 90849 <= ;/4 <==47807C B<;<9:A:54 < 80139<D4 ;/4 :214<=;/4:520B27;1 ;/49413<7847;1/2D47<;4I2B0748 ;/490849<=;/4B<;<9:A:54@42907C 4C<H&($ H))* 278/4/217<;5<8C4827A:<B35207;2C2071;;/490849<= ;/4B<;<9:A:54@42907C 4C<H&($H(/43<50:4 /2D4892F7;/413<;1G4;:/B2321349I-F/494070;01 1;2;48;/2;;/4F08;/<=;/49<28012@<6;=; ;/490849 <=;/4<==47807CB<;<9:A:54/21:<B4;<;/44I;94B490C/; 1084 278 821/48 2C2071; ;/4 B<;<9:A:54 <= ;/4 84:42148 D47;/<6C/;/484:42148F2190807C/01B<;<9:A:54F0;/ ;F<30550<7 908491 7< 4D0847:4 /21@447 548 ;<39<D4 ;/4 12B4 64 ;< ;90354 90807C
;/4 84:42148 90849 251< :<7;90@6;4840;/49;<;/42::0847;<9;<;/40B32:;<=;/4 2::0847; 63<7 ;/4 D0:;0B /4 <7?@54 6394B4 <69; 07 - 11 - ;/4:214<= !"#$ /458 ;/2; 4D47 0= ;/944 3491<71 294 39<:44807C <7 2 B<;<9:A:54 6754110;0141;2@501/48;/2;0;/21:<7;90@6;48 40;/49;<;/42::0847;<9;<;/40B32:;<=;/42::0847;63<7 ;/4 D0:;0B 0; :277<; @4 /458 ;/2; /4 F21 74C50C47; 07 :26107C ;/4 2::0847; <71084907C ;/4 4D0847:4 <= #H :<B35207; :/29C41/44; 943<9; 13<;1G4;:/ ;/4 90@6725 /21 90C/;5A /458 ;/2; 90849<= B<;<9:A:54 @42907C 4C<H&($ H))* F21 74C50C47; 07 :26107C ;/4 2::0847; 7 94134:; <= K627;6B 01 :<7:49748 4D47 ;/<6C/ ;/4 :520B27;1 :520B ;/2; 84:42148 F21 429707C 1) $H 349 B<7;/ =9<B 2C90:65;694 278 C9<:49A @6107411 ;/4A/2D439<86:48I ;/4:49;0=0:2;4011648 @A ;/4 349B0; =<9 G09272 1/<3 /4 01 7<; ;/4 :<B34;47; 26;/<90;A ;< 01164 ;/4 1208 :49;0=0:2;4 278 /4 /21 7<; 4D47 39<86:48 ;/4 @27G 1;2;4B47; ;< 1/<F ;/2; - 12 - /4 F21 967707C 2 C9<:49A @6107411 278 ;/4A /2D4 39<86:48 ;/4 94:<98 <= 90C/;1 <F4D49 7< 8<:6B47; 01 39<86:48 ;< 39<D4 ;/2; 864 ;< 842;/ <= ;/4 84:42148 /27892G27;/ ;/494 01 27A 5<11 <= 07:<B4 ;< ;/4 =2B05A D47;/4A/2D47<;39<86:4827A@27G1;2;4B47;;<1/<F ;/2;;/484:42148F21429707C 1) $H349B<7;/7 ;/42@147:4<=39<<=<=07:<B4 ;/47<;0<72507:<B4/21;< @4 21141148 1 349 ;/4 C608450741 011648 @A ;/4 2972;2G2;2;4 4C2549D0:416;/<90;A =<9;/42::0847; ;2G47352:4 07;/4 A429 ;/47<;0<725 07:<B4 <= ;/4 84:42148 /21 ;< @4 ;2G47 2; 1$H 3B < ;/4 2=<941208 07:<B4 )J /21 ;< @4 28848 <7 2::<67; <= =6;694 39<134:;1 07 D04F <= ;/4 52F 5208 8<F7 @A ;/4 <71;0;6;0<7 47:/ <= ;/4 6394B4 <69; 07 % &&' %()# ")"#$ /61 ;/4 B<7;/5A 07:<B4 :<B41 ;< 1 $H 07:4 ;/494 294 =<69 84347847;1 0; 01 2339<3902;4;<8486:;$);/<=;/407:<B4<=;/484:42148 - 13 - ;<F29813491<7254I34714127894B20707C2B<67;/21;< @4;2G4721/01:<7;90@6;0<7;<;/4=2B05A/484:42148 F212C482@<6;&A42912;;/4;0B4<=;/42::0847;278 B65;035049 23350:2@54 ;< /01 2C4 C9<63 01 >? /61 ;/4 :520B27;1 294 47;0;548 ;< :<B34712;0<7 <= 1
$H 1 LLL&$)" <7 2::<67; <= >5<11 <= 84347847:A? 7 2880;0<7 ;/4 :520B27;1 294 47;0;548 ;< :<B34712;0<7<= 1 $H<72::<67;<=>5<11<=41;2;4? 278 :<B34712;0<7 <= 1 $H <7 2::<67; <= >=674925 4I347141? & 7 D04F <= ;/4 52F 5208 8<F7 @A ;/4 6394B4 <69;07;/4:214<= *+% , -& ( ).
/ #.$# :520B27; < F0=4 <= ;/4 84:42148 01 47;0;548 =<9 :<B34712;0<7 <= 1) $H 67849 ;/4 /428 <= .5<11 <= 13<6125 :<71<9;06B. :520B27; <1 278 & :/058947 <= ;/4 84:42148 294 47;0;548 =<9 :<B34712;0<7<= 1) $H42:/67849;/4/428<=>5<11 <=32947;25:<71<9;06B?278:520B27;<) B<;/49<=;/4
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84:421480147;0;548=<9:<B34712;0<7<= 1) $H42:/ 67849;/4/428<=>5<11<==05025:<71<9;06B? ) /61 ;/4:520B27;129447;0;548;<;/4=<55<F07C :<B34712;0<7% )*+,-./0, 1,2+320+3+,/ +.2- )1,/ 0,&-' <11<=84347847:A
6749254I347141
<11<=41;2;4
<11<=13<6125 :<71<9;06B )
<11<=2947;25 :<71<9;06B
<11<=05025 :<71<9;06B )
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2" /423342501.446+20,*.3/ @" /4 E68CB47; <= ;/4 520B1 90@6725 01B<80=048
- 15 -
:" /4 :520B27;1 294 47;0;548 ;< 2 ;<;25 :<B34712;0<7 <= -5"
"7 21 2C2071; 1(
$H2F29848@A;/490@6725 8" 7 D04F <= E68CB47; <= ;/4 0D010<7 47:/ <= ;/01 <69; 07 ;/4 :214 <= 0 /
1 2 16392"" ;/447/27:48 :<B34712;0<7 1/255 :299A07;4941;2;*J3492776B 4" /4716927:4<B327A018094:;48;< 843<10; ;/4 :<B34712;0<7 2B<67; 25<7C F0;/ 07;4941;2;*J32=9<B;/482;4<==0507C<=;/4 :520B34;0;0<7;055;/482;4<=94250M2;0<7 F0;/072 3490<8 <= 10I F44G1 =9<B ;/4 82;4 <= 94:403; <= :<3A<=;/01E68CB47; =" /4 233<9;0<7B47;
843<10; 278 9454214<=2B<67;1/255@4B28407;49B1<=;/4 2F298<=;/490@6725 27 &#' %
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