Case Law Analysis
Excess Occupancy Alone Cannot Defeat Own-Damage Claim Absent Causal Link to Accident | Motor Insurance : WB SCDRC
The West Bengal State Consumer Commission ruled that carrying one extra passenger in a goods vehicle does not automatically void an own-damage claim unless the insurer proves a causal link to the accident. It allowed a 75% non-standard settlement and remanded for quantification, holding that policy breaches must be material to the loss.