NATIONAL INSURANCE CO.LTD. vs MOST.MINA MISHRA

The Supreme Court held that an insurance company is not liable for compensation related to death or bodily injury suffered by the owner of a vehicle unless there is a special contract between the insured and the insurer. This decision is consistent with the principles established in National Insurance Co. Ltd. vs. Laxmi Narain Dhut and The Oriental Insurance Company Limited vs. Meena Variyal, which clarify that employees not covered under the Workmen’s Compensation Act cannot claim compensation from the insurer without such a contract. The Court set aside the impugned judgment and allowed the appeal.