M/S. NATIONAL INSURANCE CO. LTD. vs SMT. JIJUBHAI NATHUJI DABHI & ORS.

The Supreme Court held that the insurance policy renewal was effective from 4:00 p.m. on October 25, 1983, and since the accident occurred at 11:14 a.m. on the same day, the insurance coverage did not apply. The Court referenced New India Assurance Co. vs. Ram Dayal, clarifying that in the absence of a specific time, coverage would typically begin at midnight, but the specific terms of the policy dictated otherwise. Consequently, the appeal was allowed, denying recovery from the insurance company, while permitting the claimant to pursue claims against the vehicle owner.