Real judgements, distilled

Legal Case Shots

Court judgements broken down into the case type, how the decision played out, and the lesson worth remembering, with the full judgement available as a PDF.

Motor Accident Compensation LawSupreme Court of India

Rajamma & Ors. vs M/s Reliance General Insurance Co. Ltd. & Anr.

Not available · 2025 INSC 1176Decided 26 Sept 2025
Not available
Justice K. Vinod Chandran · Justice N.V. Anjaria

Background

The claimants (wife and family of a deceased man) sought compensation alleging he died in a hit-and-run road accident, with a neighbour claiming to be an eyewitness. The Motor Accidents Claims Tribunal awarded them Rs. 16,02,000, rejecting the insurance company's objection that the accident and the vehicle's involvement were fabricated. The insurer appealed, and the High Court reversed the award, holding that the accident and the vehicle's involvement were not proved.

Decision Breakdown

The Supreme Court upheld the High Court's reversal and dismissed the claimants' appeal. It found the eyewitness's testimony unbelievable and self-contradictory. She claimed to have fetched the victim's daughter from school before the vehicle and victim disappeared, yet also claimed she and the daughter had noted down the vehicle number, an impossibility given her own timeline. The FIR was registered at a police station lacking jurisdiction and was transferred to the correct station only after 117 days, with no explanation offered. The Court also noted the driver of the alleged offending vehicle had been acquitted in the related criminal case. It held that while proof in accident claims rests on preponderance of probability, that standard fails where the genuineness of the FIR itself is under valid suspicion and the evidence reveals inherent falsity.

Lesson Learnt

In motor accident claims, compensation cannot rest on a "preponderance of probabilities" standard if the foundational evidence, the FIR and eyewitness testimony, is internally inconsistent or its genuineness is seriously doubtful; courts will scrutinise chance witnesses and unexplained delays in FIR registration closely.

Rajamma & Ors. vs M/s Reliance General Insurance Co. Ltd. & Anr. – Legal Case Shots | LegalAware