National Insurance Co. Ltd. vs Ashalata Bhowmik

The Supreme Court upheld the High Court's decision directing National Insurance Co. Ltd. to pay compensation of Rs.10,57,800/- under the Motor Vehicles Act, 1988, despite the deceased being the owner-cum-driver of the vehicle involved in the accident. The Court clarified that while the deceased was not a third party, the insurance policy provided for personal accident coverage limited to Rs.2,00,000/-. The Court emphasized that the deceased's negligence did not absolve the insurer from liability under the terms of the policy.