Supreme Court: No insurance amount for death due to negligence or speeding

The SupremeCourtsaid that if the driver's death occurs due to high speedornegligence, then the insurance company will not be bound to pay compensation.

This decision has been taken considering the terms of the insurance policy.

Relief to insurance companies

Now you will not get any benefit if you ignore the rules

• Negligence of the driver can void the insurance claim.
• This decision will save insurance companies from unnecessary claims.

The Supreme Court has given an important decision while hearing a case. The court said that if a driver dies due to speeding or negligence, then in such a case the insurance companies will not be obliged to pay compensation after the death. This decision is considered important in terms of promoting road safety and teaching a lesson to those who drive carelessly.

In an important decision, the Supreme Court has said that if a driver dies due to his negligence or speeding while performing stunts or driving in a wrong manner, then the insurance companies will not be bound to pay compensation to his family.

This decision is being considered a strong message for those who are fond of speed and those who try to attract people's attention by doing stunts. In a case, the bench of Justice P.S. Narasimha and R. Mahadevan rejected the demand for compensation of the wife, son and parents of the deceased. Earlier also the Supreme Court has rejected the demands for compensation in such cases.

In which case was the verdict given

The court gave this decision in a case related to a person who met with an accident while driving a car at high speed and carelessly. The accident happened on 18 June 2014, when N.S. Ravish was travelling in his Fiat Linea car from Mallasandra village in Karnataka to Arsikere city. His father, sister and sister's children were travelling with him.

Ravish drove at high speed and recklessly and broke traffic rules. He lost control of the car near Mylanahalli Gate, due to which the car overturned. Ravish was badly injured in this accident and died.

What did the court say?

Ravish's family had demanded compensation of Rs 80 lakh from United India Insurance Company. The family claimed that Ravish used to earn Rs 3 lakh every month as a contractor. But the police chargesheet clearly stated that the accident happened due to Ravish's negligence and speeding. The Motor Accident Tribunal had rejected the family's demand. The Karnataka High Court also rejected the family's appeal on 23 November 2024, saying that when the accident happens due to the deceased's own fault, the family cannot ask for insurance compensation.

SC dismissed the petition

The High Court said that the family will have to prove that the accident did not happen due to the fault of the deceased and it was within the scope of the insurance policy. The Supreme Court upheld this decision of the High Court and rejected the petition of the family. The court made it clear that if the death is due to the driver's own fault and no external reason is involved in it, then the insurance company is not obliged to pay compensation. This decision is being considered important in terms of promoting road safety and teaching a lesson to those who drive carelessly.

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