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High Court of Karnataka · body
2026 DAILYLAW 54990 (KAR)
THE MANAGER, SHRIRAM GENERAL INSURANCE CO. LTD. v. ANIL
MFA/205083/2025 · 2026-01-13
E S Indiresh
body2026
[ 2026 DAILYLAW 54990 (KAR) · dailylaw.ai ]
[ 2026 DAILYLAW 54990 (KAR) · dailylaw.ai ]
Judgment text
Extracted from the PDF above. The PDF is authoritative.
- 1 -
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Digitally signed by LUCYGRACE Location: HIGH COURT OF KARNATAKA
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0121 3441352 361 3672789 :;< := <01 >;?9@18< 38? 3A36??3<1?+))!43221?78:)) :8 <01 =751 := 513681? ??7<7:835 187:6 7B75 ;?91 38? 353C;6397 $0161783=<16 61=1661? <: 32 D67C;835.%
3A36?789E:@41823<7:8<:<01E537@38<
- 4 -
) *:6 <01 23F1 := C61B7<G <01 436<712 78 <01 3441352 20355 C1 61=1661? <: 78 <16@2 := <0176 2<3<;2 38? 638F789C1=:61<0167C;835
< 72 <01 E321 := <01 E537@38< <03< :8 )))) <01E537@38<A3246:E11?78932347557:867?16 35:89 A7<0 072 =6718? ;875 =6:@ ?3F7@:F 38?3 <: :53F;8?3 CG @:<:6EGE51 C136789 61972<63<7:8 : ) ) < 72 =;6<016 2<3<1? <03< A0751 <01 E537@38<A32<63B15578932347557:867?1678<01@:<:6EGE51
<01 :==18?789 36;<7 6<793 E36 C136789 61972<63<7:8 : ) )+, 03207<<01@:<:6EGE5138?:83EE:;8< :=<0123@1 <01E537@38<0322;2<3781?9671B:;278>;6712 38?<01613=<16 <01E537@38<A32207=<1?<::247<35
353C;6397=:6=;6<016<613<@18<<72352:2<3<1?<03<<01 E537@38< A32 7843<718< =6:@ )))) <: ,))) 18E1 <01E537@38<032=751?:))211F789 E:@41823<7:8393782<<016124:8?18<2
- 5 -
=<16 216B7E1 := 8:<7E1 6124:8?18< :) 82;638E1:@438G18<161?34413638E138?=751??1<3751? A67<<18 2<3<1@18< ?18G789 <01 3B16@18<2 @3?1 78 <01 E537@ 41<7<7:8 8 :6?16 <: 12<3C5720 <0176 E321 E537@38< 032 1H3@781? <A: A7<812212 32 ' 38? ') 38? 46:?;E1??:E;@18<238?23@1A161@36F1?32H2 <: 124:8?18< :) 82;638E1 :@438G 032 1H3@781?7<2H1E;<7B1
1935==7E1632 '38?@36F1? <A: ?:E;@18<2 32 H2 38? ) 01 67C;835 3=<16 E:827?16789 <01 @3<16735 61E:6? CG 7<2 >;?9@18< 38? 3A36??3<1?+))! 355:A1?<01E537@41<7<7:878436< CG 3A36?789 E:@41823<7:8 := 2 ! ,! A7<0 78<1612< 3<<0163<1:=+I416388;@=6:@<01?3<1:=41<7<7:8<755 61357J3<7:8*115789399671B1?CG<017@4;981?>;?9@18< 38? 3A36? @3?1 CG <01 67C;835 6153<789 <: <01 573C757<G
<01 6124:8?18<
82;638E1 :@438G <016178 032 461=1661? * :)!))! 38? <01 E537@38< 032 461=1661? * :)!,!))! 211F789 18038E1@18< := E:@41823<7:8
- 6 -
! 03B10136?67;C032035534;6 <01513681? E:;8215344136789=:6<0134415538<K82;638E1:@438G 38? 67 39363> 3<75 <01 513681? E:;8215 344136789 =:6 <0134415538<KE537@38<
+ < 72 369;1? CG 67 ;C0320 35534;6 <01 513681? E:;8215 344136789 =:6 <01 82;638E1 :@438G <03< <01E537@41<7<7:8A32461218<1?C1=:61<0167C;835 C1G:8?27H@:8<0238?<0161=:61 <01E537@41<7<7:87<215= 72 8:< @378<3783C51 ;8?16 1E<7:8 ++$% := <01 8?738 :<:6 107E512 E< , $0161783=<16 61=1661?
<: 32 DE<.% 38?3EE:6?7895G 2:;90< =:6 78<16=1618E1:= <072 :;6< < 72 352:
369;1? CG <01 513681? E:;8215 61461218<789 <01 82;638E1 :@438G <03< <01 E:@41823<7:83A36?1?CG<0167C;83572>;2<38?46:416 38??:128:<E355=:618038E1@18<
6739363>3<75 <01513681?E:;8215344136789 =:6 <01 E537@38< 2;C@7<<1? <03< <0:;90 <01 E< 72 3 C181=7E735 5197253<7:8 38? <0161=:61 3 57C1635 E:82<6;E<7:8
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032 <: C1 @3?1 38? 018E1 01 2;C@7<<1? <03< <01 E:8<18<7:8263721?CG<01513681?E:;821561461218<789<01 82;638E1 :@438G 32 <: <01 ?153G 78 =75789 <01 E537@ 41<7<7:8 E388:< C1 E:827?161? < 72 352: 369;1? CG <01 513681? E:;8215 344136789 =:6 <01 E537@38< <03< 32 <01 E537@38<0322;2<3781?I416@3818<40G27E35?723C757<G 38? <0161=:61 <01 3A36? := E:@41823<7:8 @3?1 CG <01 67C;83572@13916 A07E061L;761?<:C118038E1?78<01 344135461=1661?CG<01E537@38<
3B7890136?<01513681?E:;8215344136789=:6 <01436<712 03B1E361=;55G1H3@781?<01=78?78961E:6?1? CG <01 67C;835 :)) 72 =751? C1=:61 <01 67C;835:8)) 78A07E0<01355191?3EE7?18<A32 :EE;661?:8))))0:;90<0146:B727:8E:8<3781? ;8?16 1E<7:8 ++$% := <01 E< 18B723912 <03< <01 E537@41<7<7:8032<:C1461=1661?A7<07827H@:8<02=6:@ <01 ?3<1 := :EE;6618E1 := <01 3EE7?18< 0:A1B16 <3F789 78<:E:827?163<7:8<01?723C757<G2;2<3781?CG<01E537@38< <: 38 1H<18< := I 38? =;6<016 01 A32 7843<718< =6:@
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)))) <: ,))) 3@ := <01 B71A <03< <01 E:8<18<7:8 63721? CG <01 E:;8215 344136789 =:6 <01 82;638E1 :@438G E388:< C1 3EE14<1? 782:=36 32 <01 57@7<3<7:872E:827?161? , 8 61241E< := <01 3A36? := E:@41823<7:8 72 E:8E1681? 03B1E361=;55G1H3@781?<01=78?78961E:6?1? CG<0167C;835 436<7E;5365G A7<061241E<<:<01?723C757<G E16<7=7E3<146:?;E1?3<H A016178 7<72@18<7:81?<03< <01 E537@38< 032 2;2<3781? I 416@3818< 40G27E35 ?723C757<G <: <01 A0:51 C:?G < 72 352: =:6<0E:@789 =6:@ H2! 38? + A016178 <01 E537@38< 032 2;2<3781? 9671B:;2 78>;6G 2;E0 32 =63E<;61 := 81EF := 6790< =1@;6 38? 3C6327:8 :B16 <0 38? !<0 =78916 38? E;< 53E163<1? A:;8?:8<01=:61013?8<03<B71A:=<01@3<<16 =78? =:6E1 78 <01 2;C@7227:8 @3?1 CG <01 513681? E:;8215 344136789 =:6 <01 E537@38< =:6 18038E1@18< := E:@41823<7:8 3F789 78<: E:827?163<7:8 <011B7?18E1 := ') <01 ?:E<:6 A0: <613<1? <01 E537@38< 32 <: <01 ?723C757<G 2;2<3781? CG <: <01 E537@38< 3@ := <01 B71A
- 9 -
<03<<013A36?:=E:@41823<7:8@3?1CG<0167C;83572<:
C1613221221? EE:6?7895G <01 E537@38< 72 18<7<51? =:6 @:?7=71?E:@41823<7:832;8?16& +,-. /012 37838?2;==16789 2! :22 := 13687892 ?;6789 537? ;4 4167:?$ 2 !H% 2 )! :22:=3@187<712 2! :22 := =;<;61 := 13687892 $ 2 !H)H+H)!I% 2
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<01 E53@38< 72 18<7<51? =:6 18038E1? E:@41823<7:8:=.# 3#)A7<078<1612<3<<0163<1 :=+I416388;@ 8<01612;5< 4322<01=:55:A789&
01 344135 =751? CG <01 34415538< K 82;638E1 :@438G72?72@7221? - 10 -
01 344135 =751? CG <01 34415538< K E537@38< 72 355:A1?78436< 01 34415538<E537@38< 72 18<7<51? =:6 18038E1? E:@41823<7:8:=.# 3#)A7<078<1612<3< <01 63<1 := +I 416 388;@ =6:@ <01 ?3<1 := 41<7<7:8<755<01?3<1:=61357J3<7:8 01 34415538< 82;638E1 :@438G 72 ?761E<1? <: ?14:27< <01 3=:61237? E:@41823<7:8 3@:;8< A7<078 27H A11F2 =6:@ <01 ?3<1 := 61E174< := E16<7=71?E:4G:=<072>;?9@18<
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