Ram Babu Tiwari vs United India Insurance Co. Ltd. & Ors

The Supreme Court addressed the liability of an insurance company under the Motor Vehicles Act, 1988, specifically under Section 166. The Court held that an insurance company is not liable to indemnify the insured if the driver of the vehicle did not possess a valid driving license at the time of the accident, as established in New India Assurance Co. Ltd. vs. Mandar Madhav Tambe and others and further supported by the ruling in National Insurance Co. Ltd. Vs. Swaran Singh and others. The Court upheld the High Court's decision that the insurance company was not liable due to the driver's lack of a valid license during the relevant period, resulting in the dismissal of the appeal.