Page 262 - Motor Insurance Ebook IC 72

The Insurance Times

Q 12. State, with reasons, the extent of liability of an
insurer under appropriate standard forms of
Motor Policies "B":-
a) Insured was driving his own Goods Carrying
Vehicle General Cartage, and suffered
personal injury due to accident. He claimed
for Workmen's Compensation.
b) Theft of a rear left tyre of contract carriage
from the parked place. Policy is subject to
Endorsement 26.
c) Sterio stolen from a Private car at the spot of
accident.
d) Damage to a motor cycle whilst the insured
was participating in organized racing.
e) Due to a mechanical defect, the steering rod
of a Tourist Taxi, breaks and meets with an
accident. Insured claimed damages to steering
rod, head lamps, front bumper and right
mudguard.
f) Loss of the insured's limb due to accident
whilst travelling in his car.

Ans. a) Though the insured was the driver of the vehicle,
he is not employee. So he cannot claim under
Workmen's Compensation Act,1923

b) Under IMT 26 Except in case of Total Loss the
insurers are not liable for loss of or damage to

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