Key Supreme Court ruling sets new template for rash driving death cases; major implications likely

In a significant verdict with major likely implications for vehicle owners, the Supreme Court of India has ruled on that insurance companies are not obligated to pay compensation to families of drivers who die as a result of their own reckless driving or dangerous stunts. This decision serves as a warning against high-speed driving and dangerous antics that often put lives at risk, with the top court's judgement emphasising personal responsibility in road safety, The Times of India reported on July 3.

The apex court's judgment may have set a precedent for similar cases in future, and will likely have substantial implications for both car owners and insurers.

This ruling highlighted that individuals cannot seek compensation for accidents caused by their own negligence. The judgement aims to deter reckless driving and promote accountability among road users, sending a clear message about the dangers of speed and unsafe driving.

In the case, one N S Ravisha had lost his life while driving his Fiat Linea at high speed, according to police reports. On June 18, 2014, Ravisha was transporting his father, sister and her children from Mallasandra village to Arasikere town. The police later filed a report saying he was driving rashly and disregarding traffic regulations when he lost control of the vehicle, resulting in a fatal accident.

His family sought compensation of ₹80 lakh from the United India Insurance Company, arguing that Ravisha was a successful contractor earning ₹3 lakh monthly. However, evidence from the police indicated that his reckless driving was the primary cause of the crash, ToI's report (by Dhananjay Mahapatra) said.

The Motor Accident Tribunal initially dismissed the family’s compensation claim, a decision that was upheld by the Karnataka High Court. The High Court underscored the necessity for legal representatives to demonstrate that the deceased was not responsible for the accident.

In this case, the court found that the accident was indeed due to Ravisha's own rash and negligent driving. Consequently, the Supreme Court confirmed the lower court's ruling, reinforcing that since Ravisha was at fault, his family could not claim compensation from the insurance company.