Case Law Analysis
|Karnataka High Court
Package Insurance Policy | Cleaner Entitled to Full Compensation Despite Misstated Owner Name; Loss of Earning Capacity Must Reflect Functional Impairment, Not Rigid Formulae : Karnataka HC
The Karnataka High Court awarded Rs. 9.37 lakh to a truck cleaner injured in an accident, ruling that package insurance policies cover non-driver personnel even when the vehicle owner’s name is incorrectly recorded. It held that loss of earning capacity must be calculated based on actual functional impairment and vocational disruption, not mechanical multipliers, setting a precedent for informal sector workers in motor accident claims.