Prakash Chand Sharma vs Rambabu Saini
- Neutral2025 INSC 180
Ratio decidendi
The rule this decision rests on
1. Where a Medical Board duly constituted to assess permanent disability has rendered an expert opinion on the degree of disability, a tribunal cannot disbelieve or question that opinion on the basis of doubt about its reliability without taking the course of having the disability reassessed; the expert opinion of the Medical Board must be treated as such and accepted unless subjected to proper challenge through reassessment. 2. In computing compensation for loss of future income in cases of permanent disability assessed at 100%, the multiplier applicable is the full remaining working life of the claimant (calculated as years until age 60), and the disability percentage is applied to the annual income at 100% rather than a reduced percentage, unless there is evidence that reassessment of disability is warranted. 3. Where a claimant in a comatose state is entirely dependent on others for activities of daily living and requires full-time attendant care, compensation for attendant charges shall be computed at Rs.5,000 per month multiplied by 12 months and the applicable multiplier representing the claimant's remaining life expectancy. 4. In cases involving catastrophic injury resulting in permanent total disability with severe pain and suffering, compensation under the head "Pain and Suffering" (distinct from "Physical and Mental Agony") must be enhanced to reflect the gravity of the claimant's condition and the nature of the disability, having regard to the claimant's age and other relevant circumstances of the case.
Written by Miss Lucy from the judgment below, not taken from a headnote.
Judgment
As delivered
2025 INSC 180 NON-REPORTABLE
IN THE SUPREME COURT OF INDIA CIVIL APPELLATE JURISDICTION
CIVIL APPEAL NO. OF 2025 (Arising out of SLP(C)No.3066 OF 2024)
PRAKASH CHAND SHARMA … APPELLANT(S)
VERSUS
RAMBABU SAINI & ANR. … RESPONDENT(S)
JUDGMENT
SANJAY KAROL, J.
1. Leave granted. This appeal is at the instance of the claimant-appellant
aggrieved by the judgment and order dated 19 th April, 2023 passed in S.B. Civil
Miscellaneous Appeal No.3050 of 2017 by the High Court of Judicature at
Rajasthan, Jaipur Bench1, while entertaining an appeal arising out of a judgment
and order dated 18th January, 2017, passed in Claim No.575/2014 by the Motor
Accident Claims Tribunal, Alwar2.
1 The ‘impugned order’ 2 The ‘Tribunal’
1| SLP(C) 3066 OF 2024
2. On 23rd March, 2014, the claimant-appellant was returning to his village
Rajpur Badha from Cheel Ki Bawdi on his motorcycle bearing No.RJ 02 SC
4860, when another vehicle, a Maruti Omni bearing No.RJ 02 UA 1663 came
from the opposite direction, on the wrong side of the road. The claimant-
appellant suffered numerous injuries including on the head and his right leg.
FIR No.81/14 was registered at Police Station Tehla, and he was taken, first to
Katta Hospital, Bandikui, and thereafter, to Sawai Mansingh Hospital, Jaipur.
Although, he survived his accident, he is in a comatose state.
3. The learned Tribunal framed three primary issues :
a) Concerning rashness and negligence of the allegedly offending vehicle;
b) The entitlement of the petitioner-claimant appellant to receive compensation and the extent thereof;
c) Liability of the insurance company, if any.
4. On the first count, it was found that the respondents had not presented
any evidence which would dislodge the case of the claimant-appellant. It was
found that the Maruti Omni had indeed been responsible for the accident, being
driven at high speed and negligently. On the second count, the conclusion of
the Tribunal is as under :
“Therefore, according to the above discussion, the compensation amount to be given to Petitioner is determined in the following manner:-
1. 50% permanent disability on account of loss of income due to injury 95,370 x 13 = Rs.12,39,810/-
2| SLP(C) 3066 OF 2024
2. Five Medical reimbursement bills and transportation expenses = Rs.171,155/-
3. 37 days admitted in hospital @ Rs.500 per day for hospitalization =
Rs.18,500/- and for the attendant
4. Lump sum payment for physical and mental pain, suffering of family members, deprivation of comforts and luxuries and future treatment for the said injury etc. = 2,00,000 Total amount = Rs.16,29,465/-.”
The third issue of liability of the insurance company was decided against
them.
5. On appeal, the High Court held as under:
“It is an admitted position that no neurosurgeon and treating doctor were produced by the claimant to prove hundred percent disability of the claimant before the Tribunal. So, in my considered opinion, trial court rightly came to the conclusion that disability certificate Ex.16 was not duly proved by the claimant. So, the Tribunal rightly assessed the disability of the injured to the extent of 50%. It is also admitted position that the Tribunal has not awarded any amount regarding future prospects of the injured. So, in my considered opinion, claimant was below 50 years of age, claimant is entitled to get 25% towards future prospects.
Net Annual Income of the Rs.1,90,740/- x 50% = claimant as per income tax 95,370/- x 13 = Rs.
returns 12,39,810/-
25% future prospects Rs.12,39,810/- x 25% = 3,09,952.5/- Rounding off Rs.3,09,953/-)
Reimbursement of Medical Rs.1,71,155/- Bill and transportation For admission in the Rs.18,500/- Hospital for 37 days @ 500/- per day and attendant
3| SLP(C) 3066 OF 2024 charges
For physical and mental Rs.2,00,000/- agony, pain and loss of amenities
Grand Total Rs.19,39,418/-
Accordingly, the appeal filed by the Insurance Company is dismissed, whereas the appeal filed by the appellant-claimant is party allowed. The judgment and award dated 18.01.2017 passed by the Tribunal is modified to the extent that the amount of compensation receivable by the claimant is Rs.19,39,418/-, instead of Rs.16,29,465/-, as awarded by the Tribunal. Remaining terms and conditions of the award shall be the same. The Insurance Company shall deposit the enhanced amount alongwith the interest @7% from the date of filing the claim petition till the date of payment with the Tribunal within two months from today.”
6. Further aggrieved by the compensation as above, the claimant-appellant
is in appeal before this Court. We have heard learned counsel for the parties.
The claimant-appellant is aggrieved by the fact that the opinion of the Medical
Board computing disability has been ignored and the Tribunal has substituted its
own view. This, it is submitted in the teeth of the judgment of this Court in
Union of India v. Talwinder Singh3; and Raj Kumar v. Ajay Kumar4.
Reliance is also placed on Thresiamma Sebastian v. Dr. Renu Swami
Das & Ors.5. It is further submitted that the compensation granted towards
attendant charges is insufficient. Overall, reliance has been placed on Kajal v.
3 (2012) 5 SCC 480 4 (2011) 1 SCC 343 5 2024 SCC OnLine Ker 4660
4| SLP(C) 3066 OF 2024 Jagdish Chand6; and Abhimanyu Pratap Singh v. Namita Sekhon 7 among
others.
7. The case of the respondent-Insurance Company is that no evidence has
been led to substantiate the position that the claimant-appellant suffers from
100% disability. It is further denied that the opinion of the Medical Board
stands disbelieved. It is submitted that no evidence has been led to show that a
medical attendant has been hired and a salary of Rs.6,000/- per month is paid to
such an attendant.
8. We find force in the submissions of the appellant. The duly constituted
Medical Board has ascertained the permanent disability of the claimant-
appellant to be 100%. The relevant extract of the opinion of the Medical Board
is reproduced hereunder :-
“(a) Permanent privation of the sight of either eye or the hearing or either ear or any member of joint (mention if any) : Now the patient has no speech and his intellectual functions are completely impaired. He cannot stand and walk. He is catheterized till now.
(b) Destruction or permanent impairing of the power of any member of joint mention (if any). He is dependent on others on Activities of Daily Living (ADL) = 100%. He falls from bad several times. He got many times during infection.
Total permanent, physical impairment is 100%.
(c) Permanent disfiguration of head or face (mention if any)…..
(d) The other material observation having adverse bearing on the life expectancy or nor-mal functioning of the body/limb injured/affected: Total Permanent Impairment is 100% one hundred percent.”
6 (2020) 4 SCC 413 7 (2022) 8 SCC 489
5| SLP(C) 3066 OF 2024
9. The Tribunal questioned the competence of the Medical Board to assess
the permanent disability of the claimant-appellant, terming the certificate of the
Medical Board as not completely reliable. If the Tribunal had reason to doubt
the medical certificate, the option available before it was to have the disability
re-assessed but it could not have gone into the details of the determination of
disability. Since that course of action has not been adopted, the opinion of the
Medical Board, being an opinion of the experts is to be treated as such. That
apart, the comatose state of the claimant-appellant is not in dispute.
10. In regard to attendant charges, the claim put forward by the claimant-
appellant, aggrieved by the Tribunal and the High Court refusing any
compensation on this count, is at the rate of Rs.6,000/-. In the attending facts,
following the computation made by this court in Kajal (supra), the same is
calculated as 5,000 x 12 x 13 = Rs.7,80,000/-.
11. The medical report clearly states that the claimant -appellant has no
speech or intellectual functions. He cannot stand or walk and has a catheter.
Further, he is dependent entirely on others for daily activities. The finding of
100% disability, therefore, appears to be justified. As such, the compensation
ought to be recomputed. It is also to be noted that for a person in coma, who is
entirely dependent on others, obviously a meagre sum of Rs.2,00,000/- stands
awarded by the Tribunal towards mental and physical agony, pain, and loss of
amenities. The High Court has also confirmed the same. We find the same to be
6| SLP(C) 3066 OF 2024 insufficient. Keeping in view the discussion made by this Court in the recent
decision, K.S Murlidhar v. R. Subbulakshmi8, and having due regard to the
age, nature of disability and other relevant factors, the compensation under this
head is split from the general head. The amount of Rs.2,00,000/- now stands
awarded under ‘Physical and Mental Agony’. However, in the attending facts
and circumstances of this case, we enhance the compensation by Rs.6,00,000/-
as payable under the head ‘Pain and Suffering’.
12. The final compensation payable to the claimant-appellant is tabulated as
below-
Head Tribunal High Court Final Compensation Monthly Income Rs.15,895/- p.m. Rs.15,895/- p.m. Rs.15,895/-p.m. Annual Income Rs.15,895 x 12 = Rs.15,895 x 12 = Rs.15,895 x12 = Rs.1,90,740/- Rs.1,90,740/- Rs.1,90,740/- Loss of Future Rs.12,39,810/- Rs.12,39,810/- Rs.24,79,620/- Income [1,90,740 x 50 x [1,90,740 x 50 x [1,90,740x13X 13/100] 13/100] 100%] 190740 x 25/100 [Disability @50% [Disability @ Multiplier x13] 50%] [Disability @ 100%] Loss in Future _ Rs.15,49,763/- Rs.30,99,525/- Prospect [12,39,810 x [24,79,620 x 25/100] 25/100] [Future Prospect @ [Future Prospect 25%] @ 25%] Attendant _ _ Rs.5,000/- x 12 x 13 Charges = Rs.7,80,000/- Medical Rs.1,71,155/- Rs.1,71,155/- Rs.1,71,155/- Reimbursement
8 2024 SCC OnLine SC 3385
7| SLP(C) 3066 OF 2024 Hospitalization Rs.18,500/- Rs.18,500/- Rs.18,500/- Expenses [37 Days x 500] Physical and Rs.2,00,000/- Rs.2,00,000/- Rs.2,00,000/- Mental Agony Pain and _ _ Rs.6,00,000/- Suffering Total Rs.16,29,465/- Rs.19,39,418/- Rs.48,69,180/- Interest 7% 7% 7%
13. The amount payable to the claimant-appellant is Rs.48,69,180/-, and the
same is rounded off to Rs.48,70,000/- with an interest @ 7% per annum due
from the date of the claim petition. The appeal is allowed in the above terms.
Pending applications, if any, shall stand closed.
…………………………….J. [SANJAY KAROL]
……………………………J. [MANMOHAN]
February 10, 2025;
New Delhi.
8| SLP(C) 3066 OF 2024
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