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High Court of Karnataka · body
2026 DAILYLAW 7581 (KAR)
THE UNITED INDIA INSURANCE CO. LTD., v. MR. DAVID ELIAZER JAMES
WP/2784/2026 · 2026-02-11
B M Shyam Prasad
body2026
[ 2026 DAILYLAW 7581 (KAR) · dailylaw.ai ]
[ 2026 DAILYLAW 7581 (KAR) · dailylaw.ai ]
Judgment text
Extracted from the PDF above. The PDF is authoritative.
- 1 - HC-KAR NC: 2026:KHC:9094 WP No.2784/2026 !"#$% & & ! " # " ! $ % & & ! & Digitally signed by RAKESH S HARIHAR Location: High Court of Karnataka, Dharwad Bench - 2 - HC-KAR NC: 2026:KHC:9094 WP No.2784/2026 ' # " %% ( # )''' ' & & ''% * +''' , ' " " %)#'') & & " * & - - . " - 3 - HC-KAR NC: 2026:KHC:9094 WP No.2784/2026 /012340405601789661:;3;</5019;;983=91 9;31256=364069>?90@23404056:6=3; 3>40565A 4/3 545;3/0>?31 >4B++45961<3;9C506496= 13D3;9? ?0970?048 45 298 >5@236194056 45 4/3 A0;14 ;31256=364/3A0;14;31256=364.1>?90@234040560106 5%)#'') 56 4/3 A0?3 5A 4/3 ==040569? ":=E3 96= " 36E9?:;: FA5; 1/5;4 . G 96= 4/3 234040563;
01 9EE;03D3= 78 4/3 ;07:69?.1 =3>01056 45 ;3C3>4 041 922?0>94056 :6=3; 3>4056 B ' 5A 4/3 545; 3/0>?31 >4 B++ FA5; 1/5;4. G ' /3 234040563; 01 >56431406E 4/3 A0;14 ;31256=364.1>?90@23404056=36806E9@56E1454/3;1 4/3 23;>3649E3 5A 23;@96364 =01970?048 1:AA3;3= 78 /0@ 73>9:13 5A 4/3 06C:;031 1:149063= 06 9 ;59= 9>>0=364 56 B'') /3 234040563;.1 =3A36>3 /06E31564/39113;40564/944/3A0;14;31256=364/91 1:AA3;3=06C:;0314/94=5654C:140A84/3911311@3645A - 4 - HC-KAR NC: 2026:KHC:9094 WP No.2784/2026 23;@96364=01970?0485A) H/35>45;3I9@063=78 4/3A0;14;31256=364F&'G/919113113=4/3=01970?048 9>>5;=06E?8/3234040563;/91A0?3=041922?0>9405645 ;3A3; 4/3 A0;14 ;31256=364 45 4/3 3=0>9? 59;= 45 9113114/323;@96364=01970?048 $ /3 ;07:69? /91 ;3C3>43= 4/3 922?0>94056 ;3915606E 4/94 &' </5 /91 4;3943= 4/3 234040563; /91 7336 >;5113I9@063= 96= 4/94 4/3 @943;09? 56 ;3>5;= 92239;1 1:AA0>0364 96= 19401A9>45;8 A5; 91131106E 4/3 A0;14 ;31256=364.1 =01970?048 /3 ;07:69?.1;3915606E;39=191:6=3; - 5 - HC-KAR NC: 2026:KHC:9094 WP No.2784/2026 !
"#$ " %$ & ! ) A ; 3660 9D01/ /96=;91/3J9; 9;E:31 45 1:225;4 4/3 23404056 >56436=06E 4/94 4/3 ;07:69?1/5:?=/9D3;3A3;;3=4/3A0;14;31256=36445 93=0>9?59;=A5;9606=3236=364911311@3645A9 23;@96364=01970?0489113;406E4/941:>/06=3236=364 911311@364<5:?=3697?34/3;07:69?459;;0D3949 C:14 =3>01056 56 4/3 ;3915697?3 >5@236194056 29897?31 @70J9 4/3 ?39;63= >5:613? A5; 4/3
- 6 -
HC-KAR NC: 2026:KHC:9094 WP No.2784/2026
A0;14 ;31256=364 1:7@041 4/94 4/01 5:;4 @98 654 0643;A3;3<04/4/3;07:69?.15;=3;173>9:13- 1 >5643@2?943= :6=3; 3>4056 B$ 5A 4/3 >4 4/3 =01>;34056 01 D3143= 06 4/3 ;07:69? 45 =3>0=3 </34/3; 4/3 91101496>3 5A 9 3=0>9? 59;= <5:?= 73 63>3119;8 4/3 5>45; /91 7336 >;5113I9@063= 94 ?36E4/ 96= 4/3 61:;3; >5:?= 654 :6=3;@063 /01 3D0=36>3 56 4/3 911311@364 5A 4/3 A0;14 ;31256=364.1 23;@96364=01970?04896= 4/3;07:69?/9152063=4/944/3@943;09? 56;3>5;=011:AA0>036496=04<0??737913= 56 1:>/ 5206056 4/94 4/3;3 <5:?= 73 96 911311@364 ; 3660 9D01/ /96=;91/3J9; ;3?031 :256 4/3 =3>01056 5A 4/3 23I 5:;4 06
- 7 -
HC-KAR NC: 2026:KHC:9094 WP No.2784/2026
96= 06 A9>4 4/3 ?39;63= >5:613? 06D0431 4/01 5:;4.1 944364056 45 9;9E;92/ 5' 5A 4/3 =3>01056 </0>/ ;39=1 91 :6=3; '$ ! (
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, & , 1 -$.''/'0&&121 - 8 - HC-KAR NC: 2026:KHC:9094 WP No.2784/2026 % 3 ) - 4 5 & / ) & /01 5:;4 @:14 56 ;39=06E 4/3 9A5;3 520634/944/3;07:69?0A064/3:?40@943969?810101 5A 4/3 D03< 4/94 4/3 3=0>9? D0=36>3 2;5=:>3= 78 4/3 A0;14 ;31256=364 =531 654 2;5D0=3 9 19401A9>45;8 79101 A5; 911311@364 5A 4/3 A0;14 ;31256=364K1 23;@96364 =01970?048 04 >96 06=33= >561404:43 9 3=0>9? 59;= 96= ;3A3; 4/3 A0;14 ;31256=364 A5; 911311@364 5A 4/3 =01970?048A 4/3 ;07:69? /91 4/3 91101496>3 5A 96 911311@364 78 96 06=3236=364 3=0>9? 59;= 96= 0A 04 520631 =:;06E 4/3 A069? 969?8101 4/94 4/3 3D0=36>3 01 654 19401A9>45;8 04 <0?? /9D34/391101496>35A9 3=0>9?59;=K1911311@364 D36 54/3;<013 96 911311@364 78 9 3=0>9? 59;= - 9 - HC-KAR NC: 2026:KHC:9094 WP No.2784/2026 <0??5AA3;9;3A3;36>3A5;9>5@29;940D3911311@3645A 4/3 =01970?048 1 1:>/ 4/3 ;3A3;36>3 45 9 3=0>9? 59;=<0??>564;07:43452;3D36406E2;54;9>4056064/3 ?040E94056 % /01 5:;4 @:14 9?15 5713;D3 4/94 4/3 3=0>9? 59;=.1 911311@364 5A 4/3 23;@96364 =01970?048<0??65473>56>?:10D396=4/3;07:69?<0?? /9D3 45 >5610=3; 04 45 911311 4/3 2;57940D3 D9?:3 5A 4/3 3=0>9?D0=36>3/3;07:69?/915D3;13364/01 >;:>09?9123>406;3C3>406E4/3234040563;.1922?0>94056 36>3 4/01 5:;4 01 5A 4/3 D03< 4/94 4/3;3 @:14 0643;A3;36>3<04/4/3;07:69?.10@2:E63=5;=3;96= >9?? :256 4/3 ;07:69? 45 ;3A3; 4/3 >?90@964 45 4/3 3=0>9?59;=36>34/3A5??5<06E F9G /323404056019??5<3=L:91/06E4/3 ;07:69?.1 5;=3; =943= +''' 06 5%)#'') 96= =0;3>406E 4/3 ;07:69? 45 ;3A3; 4/3 >?90@964 A5; 911311@364 78 9 - 10 - HC-KAR NC: 2026:KHC:9094 WP No.2784/2026 3=0>9? 59;= 1:7C3>4 45 5713;D940561919A5;3190= F7G /3 ;07:69? 1/9?? >9?? :256 4/3 3=0>9?59;=451:7@040415206056 3I23=0405:1?8 =# # %