NATIONAL INSURANCE CO.LTD. vs OM PRAKASH JAIN

The Supreme Court held that the validity of a driving licence is crucial in determining the liability of an insurance company. Citing National Insurance Company Limited vs. Laxmi Narain Dhut [2007 (3) S.C.C. 700], the Court established that a fake driving licence cannot be validated by renewal, and the insured's ignorance of the licence's validity does not absolve the insurer's liability. The Court set aside the orders of the State and National Commissions, restoring the District Forum's dismissal of the complaint due to the driver's fake licence.