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High Court of Punjab and Haryana · body

2026 DAILYLAW 11187 (PNJ)

ORIENTAL INSURANCE CO LTD. v. ANUPAM KOHLI AND ORS

FAO/855/2008 · 2026-03-12

Vikas Bahl

body2026

Judgment text

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                     !" #$ %&# '()* +( ))$$ ,#& &)( -"$  "# .)        &)( -"$ ))$$ ,#& ,/* -&(# 0"#(  "# .)       1# # , '"&"#2 3 # " ))$$%&# '()* # ,# 0"2 3  # 4#( 05"2 3 # " $( 6666    !" )# ## 7&$ )  7 ))$  7"" "$$5   " ( 7#   # ))$ 2   " 8 $ 8* " %&# '()*  7"" )#*#  # #&  " () 7# 8* " !#8&$ 0 ))$ 2 PAWAN KUMAR 2026.03.13 15:40 I attest to the accuracy and authenticity of this document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attest to the accuracy and authenticity of this document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attest to the accuracy and authenticity of this document      &8( " #3 "# 7""  #)#& "#8$7 “*+,$--.$ ,   / + 0 Date of Accident: 08.11.2004 Date of Award: 14.01.2008 Name of the injured: Anupam Kohli Age of the injured: 21 years Occupation: Engineer Nature of case: Injury Case (100% permanent disability)  ..&  !"#$%& 1.  2            3 "        %&  '    Income Monthly: Rs. 6,500/0 Annual: Rs. 78,0000 Monthly: Rs. 6,500/0 Annual: Rs. 78,000/0 Future Prospects Not given 40% (2600) Multiplier 16 18 (Since 21 years old) Permanent Disability 100% 100% Annual Income + Future Prospects Rs.78,000 (Monthly Income + 40% x 12) 6500+2600=9100x 12 Rs. 1,09,200 Loss of Income (Annual income x Multiplier) (78000 x 16)= Rs. 12,48,000/0 (109200 x 18)= Rs. 19,65,600 Pain and Suffering Rs. 25,000/0 Rs. 50,000/0 Medical Bills Rs. 3,65 284 Rs. 3,65 284 Loss of Enjoyment of Life Rs. 2,00,000/0 Rs. 2,00,000/0 PAWAN KUMAR 2026.03.13 15:40 I attest to the accuracy and authenticity of this document      Compensation on account of 100% disability Rs. 2,00,000/0 Rs. 2,00,000/0   Rs. 20,38,284/0 Rs. 27,80,884 Interest Given 7.5% р.а. 7.5% Chandigarh Sd/0 Dated: 12.03.2026 (Vardaan Seth) PH/4440/2021 Counsel for the Respondent No. 1”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attest to the accuracy and authenticity of this document       '()*2 "  $( * "(  " (& $#* 7# 8* " !#8&$  &  $  /*(  $  ; 8$* !"&2 " $(  $  $ ()  .  <22:   $  $ (&  ()  . <22 : B" #)  " #  #2 " '&# " 8 $* 7#5 #  #  " #  <; )# &(2 7"" #  #  $ #8$  " )#  < -)5  37 " 83   #&(2 " ))$ $ 8* " %&# '()* 2   (  ))$ $ 8* " $( 2   )#$* $$7  " 7#    (  #) C%&# '()*  #  )*  $ (&  ()  " &  . <22 :  " $(/&# $5 7" #  " #  <; )# &( #( "   $5  " $( ) $$  #$ 7"  )#  A 79 #( *  $$ " )5 ($$& ))$2  *2 "$$  )   37  " 83 ## '('  Pawan    )*!"*!+&,!#-$./0+!#&1.!23 !&01 )*!"*!++!,1+"#4%!3 !&01 PAWAN KUMAR 2026.03.13 15:40 I attest to the accuracy and authenticity of this document