- 1 - HC-KAR NC: 2026:KHC:50402 MFA No. 3307 of 2023 C/W MFA No. 1377 of 2025 CNR: KAHC010242412023 IN THE HIGH COURT OF KARNATAKA AT BENGALURU DATED THIS THE 16TH DAY OF SEPTEMBER, 2026 BEFORE THE HON'BLE MR. JUSTICE SHIVASHANKAR AMARANNAVAR MISCELLANEOUS FIRST APPEAL No. 3307 OF 2023 (MV-I) C/W MISCELLANEOUS FIRST APPEAL No. 1377 OF 2025 (MV-I) IN MFA No. 3307/2023 BETWEEN: UNITED INDIA INSURANCE CO. LTD., BY ITS BRANCH OFFICE SHRI LAXMI NARASIMHA COMPLEX OPP. TO KSRTC DEPTO N.H 66, VADERHOBLI, KUNDAPURADigitally signed by LAKSHMINARAYANA DIVISIONAL OFFICE ,JEWEL PLAZA MURTHY RAJASHRI 1st FLOOR, MARUTHI VEETHIKA UDUPILocation: HIGH COURT OF REP. BY DIVSIONAL MANAGER KARNATAKA PIN CODE - 576 101. …APPELLANT (BY SRI BENNI RAVISH CHANDRASHEKAR, ADVOCATE) AND: 1. N. HARISH AGED ABOUT 39 YEARS S/O NARASIMHA MARAKALA R/O THODKATTU - 2 - HC-KAR NC: 2026:KHC:50402 MFA No. 3307 of 2023 C/W MFA No. 1377 of 2025 CNR: KAHC010242412023 PARAMBALLI VILLAGE UDUPI TALUK AND DISTRICT REP. BY GUARDIAN SMT. LALITHA AGED ABOUT 53 YEARS, W/O SRINIVASA H.No. 1/24, HEGADTHI ONI ROAD PARAMBALLI VILLAGE AND POST BRAHMAVARA TALUK UDUPI DISTRICT - 576 225. 2. WILMA JULIET D’SOUZA AGED ABOUT 50 YEARS W/O PETRICK LEWIS R.O LOURDS COLONY MANOOR VILLAGE AND POST UDUPI TALUK AND DISTRICT -576 221. …RESPONDENTS (BY SRI K PRASANNA SHETTY, ADVOCATE FOR R1 V/P DTD. 08.06.2023, NOTICE TO R2 IS DISPENSED WITH) THIS MFA FILED UNDER SECTION 173(1) OF MV ACT

AGAINST THE JUDGMENT AND AWARD DATED:05.11.2022 PASSED IN MVC No.113/2019 ON THE FILE OF THE PRINCIPAL SENIOR CIVIL JUDGE AND ADDITIONAL MACT, CJM, UDUPI, AWARDING COMPENSATION OF Rs.7,80,000/- WITH INTEREST AT 6 PERCENT P.A. FROM THE DATE OF PETITION TILL THE DATE OF DEPOSIT OF THE COMPENSATION AMOUNT BEFORE THE TRIBUNAL. IN MFA No. 1377/2025 BETWEEN: N HARISH AGED ABOUT 41 YEARS S/O NARASIMHA MARAKALA R/AT THODKATTU, PARAMBALLI VILLAGE - 3 - HC-KAR NC: 2026:KHC:50402 MFA No. 3307 of 2023 C/W MFA No. 1377 of 2025 CNR: KAHC010242412023 UDUPI TALUK UDUPI DISTRICT – 576 225. REPRESENTED BY GUARDIAN SMT. LALITHA AGED ABOUT 55 YEARS W/O SRIIVASA, H No.1/241 HEGGADTHI ONI ROAD PARAMPALLI VILLAGE AND POST BRAHMAVARA TALUK UDUPI DISTRICT – 576 225. ...APPELLANT (BY SRI K PRASANNA SHETTY, ADVOCATE) AND: 1. WILMA JULIET D’SOUZA AGED ABOUT 47 YEARS W/O PETRICK LEWIS R/O. LOURDS COLONY MANOOR VILLAGE AND POST UDUPI TALUK UDUPI DISTRICT – 576 221. 2. UNITED INDIA INSURANCE CO. LTD., BY ITS BRANCH MANAGER BRANCH OFFICE, SRI LAXMI NARASIMHA COMPLEX OPP: KSRTC DEPOT, N H 66 VODERHALLI, KUNDAPURA – 576 201. ...RESPONDENTS (BY SRI RAVISH BENNI, ADVOCATE FOR R2 V/O DTD. 28.07.2026 NOTICE TO R1 IS DISPENSED WITH) THIS MFA IS FILED UNDER SECTION 173(1) OF MV ACT, AGAINST THE JUDGMENT AND AWARD DATED:05.11.2022 PASSED IN MVC No.113/2019 ON THE FILE OF THE PRL. SENIOR CIVIL JUDGE AND ADDITIONAL MACT, UDUPI, PARTLY - 4 - HC-KAR NC: 2026:KHC:50402

MFA No. 3307 of 2023 C/W MFA No. 1377 of 2025 CNR: KAHC010242412023 ALLOWING THE CLAIM PETITION FOR COMPENSATION AND SEEKING ENHANCEMENT OF COMPENSATION. THESE APPEALS COMING ON FOR ADMISSION THIS DAY, JUDGMENT WAS DELIVERED THEREIN AS UNDER: CORAM: HON'BLE MR. JUSTICE SHIVASHANKAR AMARANNAVAR ORAL JUDGMENT MFA No.3307/2023 is filed by insurer challenging the quantum of compensation and MFA No.1377/2025 is filed by claimant seeking enhancement of compensation awarded in judgment and award dated 05.11.2024 passed in MVC No.113/2028 by Principal Senior Civil Judge and CJM, Udupi. 2. Even though appeals are listed today for admission, they are taken up for disposal with the consent of learned counsels for parties. 3. The claimant made a claim petition praying to award compensation for the injuries sustained by him in a road traffic accident occurred on 03.05.2018 contending that the accident occurred due to rash and negligent - 5 - HC-KAR NC: 2026:KHC:50402 MFA No. 3307 of 2023 C/W MFA No. 1377 of 2025 CNR: KAHC010242412023 driving of the driver of motor cycle bearing registration No.KA-20/EL-4119. The Tribunal after recording the evidence of the parties, appreciating the evidence assessed the compensation and awarded compensation under various heads as under: Sl.No. Heads Amount in (Rs.) 01. Pain and suffering including Rs.20,000/-mental agony 02. Loss of future earnings due Rs.5,76,000/-to disability 03. Medical expenses Rs.1,37,304/-

04. Conveyance charges Rs.15,000/-nourishment, nutritious food and attendant charges 05. Loss of amenities and Rs.15,000/-unhappiness 6. Loss of income during the Rs.13,333.20 period of inpatient for 40 days Total compensation awarded Rs.7,76,637.20 Rounded of to Rs.7,80,000/- 4. The Tribunal also awarded interest at the rate of 6% per annum from the date of petition till realization and directed insurer to deposit the award amount with interest. The insurer has filed appeal challenging quantum - 6 - HC-KAR NC: 2026:KHC:50402 MFA No. 3307 of 2023 C/W MFA No. 1377 of 2025 CNR: KAHC010242412023 of compensation and the claimant has filed appeal seeking enhancement of compensation. 5. Heard learned counsel for insurer and learned counsel for claimant. 6. Learned counsel for the insurer would contend that the claimant has sustained fracture of tibia and fibula of right leg and P.W.3 -doctor who has examined him and stated that he is having 32% disability to the right lower limb. The Tribunal has erred in taking the disability to the whole body at 32%. The Tribunal ought to have taken the disability at 1/3rd of the disability to the limb.

7. Learned counsel for claimant would contend that the occupation of the claimant is coolie. Considering the said occupation, the Tribunal has rightly taken the disability at 32% to the whole body. The compensation awarded towards pain and suffering, loss of amenities, attendant and conveyance charges, loss of income during laid period are on lower side. He further submits that the - 7 - HC-KAR NC: 2026:KHC:50402 MFA No. 3307 of 2023 C/W MFA No. 1377 of 2025 CNR: KAHC010242412023 notional income fixed for the year 2018 is Rs.12,500/- per month and the said income is to be taken as against Rs.10,000/- as taken by the Tribunal. With this, he prayed to allow the appeal filed by the claimant. 8. Having heard learned counsels, the Court has perused impugned judgment, award and trial Court records. 9. The accident occurred on 03.05.2018 and the claimant was aged 36 years as on the date of accident. The multiplier applicable for the said age is ‘15’ and it is rightly applied by the Tribunal. The claimant has sustained fracture of tibia and fibula of right leg and considering the same, the compensation awarded by the Tribunal towards pain and suffering in a sum of Rs.20,000/- is enhanced to Rs.60,000/- and loss of amenities in a sum of Rs.15,000/-is enhanced to Rs.50,000/-. The claimant has been admitted in hospital for 40 days and considering the same, the claimant is entitled to attendant and conveyance charges, food and nourishment etc., in a sum of - 8 -

HC-KAR NC: 2026:KHC:50402 MFA No. 3307 of 2023 C/W MFA No. 1377 of 2025 CNR: KAHC010242412023 Rs.40,000/- (Rs.1,000/- x 40days) as against Rs.15,000/-as awarded by the Tribunal. The claimant's occupation is coolie and considering the fractures sustained by him, he has to take rest at least for 04 months. Therefore, he is entitled to loss of income during laid up period of 04 months in a sum of Rs.50,000/- (Rs.12,500/- x 4months) as against Rs.13,333.20/- as awarded by the Tribunal. The notional income fixed by Karnataka State Legal Service Authority for the year 2018 is Rs.12,500/- and the said notional income is to be taken as against Rs.10,000/- as taken by the Tribunal. P.W.3 in his evidence has stated that implant has been fixed to the claimant. Considering the said aspect, the claimant has to undergo for surgery for removal of implant and therefore, he is entitled to future medical expenses of Rs.30,000/-. 10. P.W.3 is a doctor, who has examined the claimant, assessed his disability and stated that the claimant is having 32% disability to right lower limb. There is disability to the limb and as it is lower limb, 1/3rd of the - 9 - HC-KAR NC: 2026:KHC:50402 MFA No. 3307 of 2023 C/W MFA No. 1377 of 2025 CNR: KAHC010242412023

same is to be taken as disability to the whole body. Therefore, disability to be taken to the world body is 11% (1/3rd of 32%) as against 32% as taken by the Tribunal. In view of the above, loss of future income due to disability is calculated as under: Rs.12,500/- x12x15x11% = Rs.2,47,500/-. 11. In view of the above, the claimant is entitled to total compensation under various heads as under: Sl.No. Heads Amount in (Rs.) 01. Pain and Suffering 60,000/- 02. Medical Expenses 1,37,304/- 03. Attendant and conveyance 40,000/-charges 04. loss of amenities 50,000/- 05. loss of future income 2,47,500/- 06. loss of income during laid up 50,000/-period 07. Future Medical Expenses 30,000/-Total 6,14,804/- Considering the above aspects, the claimant is entitled to total compensation of Rs.6,14,804/- as against Rs.7,80,000/- as awarded by the Tribunal with interest at the interest of 6% per annum from the date of petition till - 10 - HC-KAR NC: 2026:KHC:50402 MFA No. 3307 of 2023 C/W MFA No. 1377 of 2025 CNR: KAHC010242412023 realization. The appellant -insurer is liable to pay the said enhanced compensation with interest. The claimant is not entitled to interest for delay period of 740 days in filing the appeal as per order dated 28.07.2026 passed on IA No.1/2025 in MFA No.1337/2025. 12. In view of the above, the following: ORDER i) Both appeals are allowed in part.

ii) The appellant -claimant is entitled to total compensation of Rs.6,14,804/- as against Rs.7,80,000/- as awarded by the Tribunal with interest at the interest of 6% per annum from the date of petition till realization. iii) The claimant is not entitled to interest for the delay period of 740 days in filing appeal. iv) The insurer shall deposit the enhanced compensation with interest before the - 11 - HC-KAR NC: 2026:KHC:50402 MFA No. 3307 of 2023 C/W MFA No. 1377 of 2025 CNR: KAHC010242412023 Tribunal within a period of six weeks from this day including amount already deposited. v) The amount in deposit is ordered to be transmitted to the Tribunal. vi) The order of Tribunal regarding deposit and release remained unaltered. Sd/- (SHIVASHANKAR AMARANNAVAR) JUDGE DSP List No.: 1 Sl No.: 36 Ct.sm

- 1 - HC-KAR NC: 2026:KHC:50402 MFA No. 3307 of 2023 C/W MFA No. 1377 of 2025 CNR: KAHC010242412023 IN THE HIGH COURT OF KARNATAKA AT BENGALURU DATED THIS THE 16TH DAY OF SEPTEMBER, 2026 BEFORE THE HON'BLE MR. JUSTICE SHIVASHANKAR AMARANNAVAR MISCELLANEOUS FIRST APPEAL No. 3307 OF 2023 (MV-I) C/W MISCELLANEOUS FIRST APPEAL No. 1377 OF 2025 (MV-I) IN MFA No. 3307/2023 BETWEEN: UNITED INDIA INSURANCE CO. LTD., BY ITS BRANCH OFFICE SHRI LAXMI NARASIMHA COMPLEX OPP. TO KSRTC DEPTO N.H 66, VADERHOBLI, KUNDAPURADigitally signed by LAKSHMINARAYANA DIVISIONAL OFFICE ,JEWEL PLAZA MURTHY RAJASHRI 1st FLOOR, MARUTHI VEETHIKA UDUPILocation: HIGH COURT OF REP. BY DIVSIONAL MANAGER KARNATAKA PIN CODE - 576 101. …APPELLANT (BY SRI BENNI RAVISH CHANDRASHEKAR, ADVOCATE) AND: 1. N. HARISH AGED ABOUT 39 YEARS S/O NARASIMHA MARAKALA R/O THODKATTU - 2 - HC-KAR NC: 2026:KHC:50402 MFA No. 3307 of 2023 C/W MFA No. 1377 of 2025 CNR: KAHC010242412023 PARAMBALLI VILLAGE UDUPI TALUK AND DISTRICT REP. BY GUARDIAN SMT. LALITHA AGED ABOUT 53 YEARS, W/O SRINIVASA H.No. 1/24, HEGADTHI ONI ROAD PARAMBALLI VILLAGE AND POST BRAHMAVARA TALUK UDUPI DISTRICT - 576 225. 2. WILMA JULIET D’SOUZA AGED ABOUT 50 YEARS W/O PETRICK LEWIS R.O LOURDS COLONY MANOOR VILLAGE AND POST UDUPI TALUK AND DISTRICT -576 221. …RESPONDENTS (BY SRI K PRASANNA SHETTY, ADVOCATE FOR R1 V/P DTD. 08.06.2023, NOTICE TO R2 IS DISPENSED WITH) THIS MFA FILED UNDER SECTION 173(1) OF MV ACT

AGAINST THE JUDGMENT AND AWARD DATED:05.11.2022 PASSED IN MVC No.113/2019 ON THE FILE OF THE PRINCIPAL SENIOR CIVIL JUDGE AND ADDITIONAL MACT, CJM, UDUPI, AWARDING COMPENSATION OF Rs.7,80,000/- WITH INTEREST AT 6 PERCENT P.A. FROM THE DATE OF PETITION TILL THE DATE OF DEPOSIT OF THE COMPENSATION AMOUNT BEFORE THE TRIBUNAL. IN MFA No. 1377/2025 BETWEEN: N HARISH AGED ABOUT 41 YEARS S/O NARASIMHA MARAKALA R/AT THODKATTU, PARAMBALLI VILLAGE - 3 - HC-KAR NC: 2026:KHC:50402 MFA No. 3307 of 2023 C/W MFA No. 1377 of 2025 CNR: KAHC010242412023 UDUPI TALUK UDUPI DISTRICT – 576 225. REPRESENTED BY GUARDIAN SMT. LALITHA AGED ABOUT 55 YEARS W/O SRIIVASA, H No.1/241 HEGGADTHI ONI ROAD PARAMPALLI VILLAGE AND POST BRAHMAVARA TALUK UDUPI DISTRICT – 576 225. ...APPELLANT (BY SRI K PRASANNA SHETTY, ADVOCATE) AND: 1. WILMA JULIET D’SOUZA AGED ABOUT 47 YEARS W/O PETRICK LEWIS R/O. LOURDS COLONY MANOOR VILLAGE AND POST UDUPI TALUK UDUPI DISTRICT – 576 221. 2. UNITED INDIA INSURANCE CO. LTD., BY ITS BRANCH MANAGER BRANCH OFFICE, SRI LAXMI NARASIMHA COMPLEX OPP: KSRTC DEPOT, N H 66 VODERHALLI, KUNDAPURA – 576 201. ...RESPONDENTS (BY SRI RAVISH BENNI, ADVOCATE FOR R2 V/O DTD. 28.07.2026 NOTICE TO R1 IS DISPENSED WITH) THIS MFA IS FILED UNDER SECTION 173(1) OF MV ACT, AGAINST THE JUDGMENT AND AWARD DATED:05.11.2022 PASSED IN MVC No.113/2019 ON THE FILE OF THE PRL. SENIOR CIVIL JUDGE AND ADDITIONAL MACT, UDUPI, PARTLY - 4 - HC-KAR NC: 2026:KHC:50402

MFA No. 3307 of 2023 C/W MFA No. 1377 of 2025 CNR: KAHC010242412023 ALLOWING THE CLAIM PETITION FOR COMPENSATION AND SEEKING ENHANCEMENT OF COMPENSATION. THESE APPEALS COMING ON FOR ADMISSION THIS DAY, JUDGMENT WAS DELIVERED THEREIN AS UNDER: CORAM: HON'BLE MR. JUSTICE SHIVASHANKAR AMARANNAVAR ORAL JUDGMENT MFA No.3307/2023 is filed by insurer challenging the quantum of compensation and MFA No.1377/2025 is filed by claimant seeking enhancement of compensation awarded in judgment and award dated 05.11.2024 passed in MVC No.113/2028 by Principal Senior Civil Judge and CJM, Udupi. 2. Even though appeals are listed today for admission, they are taken up for disposal with the consent of learned counsels for parties. 3. The claimant made a claim petition praying to award compensation for the injuries sustained by him in a road traffic accident occurred on 03.05.2018 contending that the accident occurred due to rash and negligent - 5 - HC-KAR NC: 2026:KHC:50402 MFA No. 3307 of 2023 C/W MFA No. 1377 of 2025 CNR: KAHC010242412023 driving of the driver of motor cycle bearing registration No.KA-20/EL-4119. The Tribunal after recording the evidence of the parties, appreciating the evidence assessed the compensation and awarded compensation under various heads as under: Sl.No. Heads Amount in (Rs.) 01. Pain and suffering including Rs.20,000/-mental agony 02. Loss of future earnings due Rs.5,76,000/-to disability 03. Medical expenses Rs.1,37,304/-

04. Conveyance charges Rs.15,000/-nourishment, nutritious food and attendant charges 05. Loss of amenities and Rs.15,000/-unhappiness 6. Loss of income during the Rs.13,333.20 period of inpatient for 40 days Total compensation awarded Rs.7,76,637.20 Rounded of to Rs.7,80,000/- 4. The Tribunal also awarded interest at the rate of 6% per annum from the date of petition till realization and directed insurer to deposit the award amount with interest. The insurer has filed appeal challenging quantum - 6 - HC-KAR NC: 2026:KHC:50402 MFA No. 3307 of 2023 C/W MFA No. 1377 of 2025 CNR: KAHC010242412023 of compensation and the claimant has filed appeal seeking enhancement of compensation. 5. Heard learned counsel for insurer and learned counsel for claimant. 6. Learned counsel for the insurer would contend that the claimant has sustained fracture of tibia and fibula of right leg and P.W.3 -doctor who has examined him and stated that he is having 32% disability to the right lower limb. The Tribunal has erred in taking the disability to the whole body at 32%. The Tribunal ought to have taken the disability at 1/3rd of the disability to the limb.

7. Learned counsel for claimant would contend that the occupation of the claimant is coolie. Considering the said occupation, the Tribunal has rightly taken the disability at 32% to the whole body. The compensation awarded towards pain and suffering, loss of amenities, attendant and conveyance charges, loss of income during laid period are on lower side. He further submits that the - 7 - HC-KAR NC: 2026:KHC:50402 MFA No. 3307 of 2023 C/W MFA No. 1377 of 2025 CNR: KAHC010242412023 notional income fixed for the year 2018 is Rs.12,500/- per month and the said income is to be taken as against Rs.10,000/- as taken by the Tribunal. With this, he prayed to allow the appeal filed by the claimant. 8. Having heard learned counsels, the Court has perused impugned judgment, award and trial Court records. 9. The accident occurred on 03.05.2018 and the claimant was aged 36 years as on the date of accident. The multiplier applicable for the said age is ‘15’ and it is rightly applied by the Tribunal. The claimant has sustained fracture of tibia and fibula of right leg and considering the same, the compensation awarded by the Tribunal towards pain and suffering in a sum of Rs.20,000/- is enhanced to Rs.60,000/- and loss of amenities in a sum of Rs.15,000/-is enhanced to Rs.50,000/-. The claimant has been admitted in hospital for 40 days and considering the same, the claimant is entitled to attendant and conveyance charges, food and nourishment etc., in a sum of - 8 -

HC-KAR NC: 2026:KHC:50402 MFA No. 3307 of 2023 C/W MFA No. 1377 of 2025 CNR: KAHC010242412023 Rs.40,000/- (Rs.1,000/- x 40days) as against Rs.15,000/-as awarded by the Tribunal. The claimant's occupation is coolie and considering the fractures sustained by him, he has to take rest at least for 04 months. Therefore, he is entitled to loss of income during laid up period of 04 months in a sum of Rs.50,000/- (Rs.12,500/- x 4months) as against Rs.13,333.20/- as awarded by the Tribunal. The notional income fixed by Karnataka State Legal Service Authority for the year 2018 is Rs.12,500/- and the said notional income is to be taken as against Rs.10,000/- as taken by the Tribunal. P.W.3 in his evidence has stated that implant has been fixed to the claimant. Considering the said aspect, the claimant has to undergo for surgery for removal of implant and therefore, he is entitled to future medical expenses of Rs.30,000/-. 10. P.W.3 is a doctor, who has examined the claimant, assessed his disability and stated that the claimant is having 32% disability to right lower limb. There is disability to the limb and as it is lower limb, 1/3rd of the - 9 - HC-KAR NC: 2026:KHC:50402 MFA No. 3307 of 2023 C/W MFA No. 1377 of 2025 CNR: KAHC010242412023

same is to be taken as disability to the whole body. Therefore, disability to be taken to the world body is 11% (1/3rd of 32%) as against 32% as taken by the Tribunal. In view of the above, loss of future income due to disability is calculated as under: Rs.12,500/- x12x15x11% = Rs.2,47,500/-. 11. In view of the above, the claimant is entitled to total compensation under various heads as under: Sl.No. Heads Amount in (Rs.) 01. Pain and Suffering 60,000/- 02. Medical Expenses 1,37,304/- 03. Attendant and conveyance 40,000/-charges 04. loss of amenities 50,000/- 05. loss of future income 2,47,500/- 06. loss of income during laid up 50,000/-period 07. Future Medical Expenses 30,000/-Total 6,14,804/- Considering the above aspects, the claimant is entitled to total compensation of Rs.6,14,804/- as against Rs.7,80,000/- as awarded by the Tribunal with interest at the interest of 6% per annum from the date of petition till - 10 - HC-KAR NC: 2026:KHC:50402 MFA No. 3307 of 2023 C/W MFA No. 1377 of 2025 CNR: KAHC010242412023 realization. The appellant -insurer is liable to pay the said enhanced compensation with interest. The claimant is not entitled to interest for delay period of 740 days in filing the appeal as per order dated 28.07.2026 passed on IA No.1/2025 in MFA No.1337/2025. 12. In view of the above, the following: ORDER i) Both appeals are allowed in part.

ii) The appellant -claimant is entitled to total compensation of Rs.6,14,804/- as against Rs.7,80,000/- as awarded by the Tribunal with interest at the interest of 6% per annum from the date of petition till realization. iii) The claimant is not entitled to interest for the delay period of 740 days in filing appeal. iv) The insurer shall deposit the enhanced compensation with interest before the - 11 - HC-KAR NC: 2026:KHC:50402 MFA No. 3307 of 2023 C/W MFA No. 1377 of 2025 CNR: KAHC010242412023 Tribunal within a period of six weeks from this day including amount already deposited. v) The amount in deposit is ordered to be transmitted to the Tribunal. vi) The order of Tribunal regarding deposit and release remained unaltered. Sd/- (SHIVASHANKAR AMARANNAVAR) JUDGE DSP List No.: 1 Sl No.: 36 Ct.sm