RAM BABU TIWARI vs UNITED INDIA INSURANCE CO. LTD. .

The Supreme Court addressed the liability of an insurance company under Section 166 of the Motor Vehicles Act, 1988, determining that the absence of a valid driving license for the driver at the time of the accident absolves the insurer from indemnification. The Court held that the High Court's ruling, which overturned the Tribunal's decision that the insurance company was liable, was incorrect as the driver did not possess a valid license during the relevant period. Consequently, the appeal was allowed, reinstating the Tribunal's award in favor of the claimants.