CASE ANALYSIS

1. United India Insurance Co. Ltd. vs. Gian Chand and Others (1997) Citation: (1997) 7 SCC 558 Court: Supreme Court of India Bench: Justice S. Saghir Ahmad and Justice K.T. Thomas Provision Involved: Section 147 of the Motor Vehicles Act, 1988 (Requirements of policies and limits of liability) Section 149(2) of the Motor Vehicles Act, 1988 (Defences available to insurer) Section 96 of the Motor Vehicles Act, 1939 (Corresponding provision under the earlier law) Facts: A truck met with an accident causing the death of Gian Chand. Legal heirs of the deceased filed a compensation claim. The vehicle was insured with United India Insurance Co. Ltd. on the date of accident, but the premium for renewal was deposited after the accident occurred. The insurance company denied liability stating that the policy was not in force at the time of the accident due to non-payment of premium. Arguments: Appellant (Insurance Company): Argued that since the premium was depo...