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2026 DAILYLAW 6470 (KAR)

SMT SHASHI KALA v. ROYAL SUNDARAM ALLIANCE INSURANCE CO LTD

MFA/4929/2020 · 2026-03-24

Vijaykumar A Patil

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Judgment text

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- 1 - HC-KAR NC: 2026:KHC:16534 M.F.A. No.4929/2020 IN THE HIGH COURT OF KARNATAKA AT BENGALURU DATED THIS THE 24TH DAY OF MARCH, 2026 BEFORE THE HON'BLE MR. JUSTICE VIJAYKUMAR A. PATIL MISCELLANEOUS FIRST APPEAL NO.4929/2020 (MV-D) BETWEEN: 1. SMT. SHASHI KALA W/O LATE JAYARAM AGED ABOUT 31 YEARS. 2. MASTER SHARATH KUMAR S/O LATE JAYARAM AGED ABOUT 8 YEARS. 3. BABY PALLAVI S.J. D/O LATE JAYARAM AGED ABOUT 5 YEARS. 4. BABY PAVANI S.J. D/O LATE JAYARAM AGED ABOUT 5 YEARS. APPELLANT NO.1 TO 4 ARE R/AT NO.565, 4TH MAIN, 4TH CROSS VIJAYA NAGAR, BENGALURU NORTH NANDINI LAYOUT, BENGALURU 560096. SINCE APPELLANTS NO.2 TO 4 ARE MINOR REP. BY THEIR MOTHER SMT. SHASHIKALA. 5. SRI. GANGAVENKATAIAH S/O HUCHAIAH AGED ABOUT 85 YEARS 6. SMT. ERAMMA W/O GANGAVENKATAIAH Digitally signed by RUPA V Location: HIGH COURT OF KARNATAKA - 2 - HC-KAR NC: 2026:KHC:16534 M.F.A. No.4929/2020 AGED ABOUT 75 YEARS. APPELLANT NOS.5 & 6 ARE R/AT JAKKANAHALLI BENGALURU RURAL - 562123. …APPELLANTS (BY SRI. RAGHU R, ADV.,) AND: 1. ROYAL SUNDARAM ALLIANCE INSURANCE CO LTD NO.132, BALAJI SOVEREIGN 2ND FLOOR, BRIGADE ROAD NEAR BIRGADE TOWERS BENGALURU-560025. REP. BY ITS MANAGER. 2. SRI. PUTTASWAMY B.K. S/O KEMPAIAH R/AT NO.19, 1ST CROSS ANNAPURNESHWARI LAYOUT THIGALARAPALYA PEENYA 2ND STAGE BENGALURU-560058. …RESPONDENTS (BY SRI. B. PRADEEP, ADV., FOR R1 SRI. VIVEK HOLLA, ADV., FOR R2) THIS MFA IS FILED U/S.173(1) OF MV ACT, AGAINST THE JUDGMENT AND AWARD DT.16.01.2020 PASSED IN MVC NO.2681/2019 ON THE FILE OF THE VIII ADDITIONAL JUDGE AND ACMM, MEMBER, MACT, BENGALURU (SCCH-5), PARTLY ALLOWING THE CLAIM PETITION FOR COMPENSATION AND SEEKING ENHANCEMENT OF COMPENSATION. - 3 - HC-KAR NC: 2026:KHC:16534 M.F.A. No.4929/2020 THIS APPEAL, COMING ON FOR ADMISSION, THIS DAY, JUDGMENT WAS DELIVERED THEREIN AS UNDER: CORAM: HON'BLE MR. JUSTICE VIJAYKUMAR A. PATIL ORAL JUDGMENT This appeal is filed by the appellants challenging the judgment and award dated 16.01.2020 passed in MVC.No.2681/2019 by the VIII Additional Small Causes Judge and Member, MACT, Bengaluru, (SCCH-5), (for short 'the Tribunal'). 2. Though this appeal is listed for admission, with the consent of learned counsel for the parties, it is taken up for final disposal. 3. Heard Sri.Raghu R., learned counsel appearing for the appellants, Sri.B.Pradeep, learned counsel for respondent No.1, Sri.Vivek Holla, learned counsel for respondent No.2 and meticulously perused the material available on record. - 4 - HC-KAR NC: 2026:KHC:16534 M.F.A. No.4929/2020 4. The parties to the proceedings do not dispute that in a road accident dated 14.04.2019, Sri.Jayaram succumbed to the injuries sustained. It is also not in dispute that respondent No.1/Insurance Company is liable to indemnify the loss and pay compensation. The deceased was aged about 33 years at the time of the accident and claimed to have been earning Rs.40,000/- per month from his avocation; however, no evidence was placed on record to substantiate the same. Hence, in the absence of proof of income, the income of the deceased is notionally reassessed at Rs.14,000/- per month. Having reassessed the income of the deceased at Rs.14,000/- per month and considering the age of the deceased as 33 years and his avocation, the appellants-claimants are further entitled to an addition of 40% of the assessed income under the head of loss of future prospects in view of the law laid down by the Hon'ble Supreme Court in the case of National Insurance Company Limited v. Pranay Sethi and - 5 - HC-KAR NC: 2026:KHC:16534 M.F.A. No.4929/2020 Others1. Further, as the claimants are the wife, children and parents of the deceased, totaling 6 in number, the appropriate deduction towards personal and living expenses should be one-fourth, which has been rightly considered by the Tribunal. Considering that the deceased was aged about 33 years at the time of the accident; the appropriate multiplier applicable is 16, which has also been rightly considered by the Tribunal. Accordingly, the appellants-claimants are entitled to compensation towards loss of dependency as under: Rs.14,000 + 40% X 12 X 16 -1/4th = Rs.28,22,400/- 5. The appellants-claimants would also be entitled to a sum of Rs.16,500/- under the head of ‘loss of estate’ and Rs.16,500/- under the head of ‘funeral expenses & transportation of dead body’ including 10% escalation. The appellants-claimants are also entitled to a sum of Rs.44,000/- each towards loss of consortium including 10% escalation. 1 (2017) 16 SCC 680 - 6 - HC-KAR NC: 2026:KHC:16534 M.F.A. No.4929/2020 6. Thus, in all, the appellants-claimants shall be entitled to modified compensation under the following heads: Thus, the claimants shall be entitled to a total compensation of Rs.31,19,400/- as against Rs.22,86,000/- awarded by the Tribunal. 7. In the result, this Court proceeds to pass the following: ORDER a) Appeal is allowed in part. b) The impugned judgment and award of the Tribunal is modified to an extent that the claimants would be entitled to total HEADS AMOUNT (in Rs.) Loss of dependency 28,22,400/- Loss of consortium (Rs.44,000 X 6) 2,64,000/- Transportation of dead body & funeral expenses 16,500/- Loss of estate 16,500/- Total 31,19,400/- - 7 - HC-KAR NC: 2026:KHC:16534 M.F.A. No.4929/2020 compensation of Rs.31,19,400/- as against Rs.22,86,000/- awarded by the Tribunal. c) The enhanced compensation amount shall carry interest at the rate of 6% per annum from the date of petition till the date of payment. d) The Insurance Company shall deposit the enhanced compensation amount with accrued interest before the Tribunal within a period of six weeks from the date of receipt of certified copy of this judgment. e) The apportionment, deposit and disbursement shall be made as per award of the Tribunal. f) Draw modified award accordingly. Sd/- (VIJAYKUMAR A. PATIL) JUDGE ABK, List No.: 1 Sl No.: 26