Case Law Analysis
|Gauhati High Court
Cover Note Valid for 60 Days Under IRDA Rules; Pay-and-Recover Principle Bars Insurer Defence on Driver's Licence Violation : Gauhati HC
The Gauhati High Court held that a cover note remains valid for 60 days under IRDA regulations, and the pay-and-recover principle prevents insurers from avoiding third-party liability due to a driver's licence violation unless the breach directly caused the accident. The ruling reinforces that statutory victim protection under the Motor Vehicles Act overrides policy defences unconnected to the collision.