- (1.) RAJEEV Gupta, C. J. SriSudhir Singh,Advocate for the appellant is heard on admission.
(2.) THIS is owner's appeal filed un der Section 173 of the Motor Vehicles Act, 1988 against the award dated 22-12-2005 passed by Motor Accident Claims Tribunal, Haldwani, District Nainital, whereby second respondent-United India Insurance Company Lim ited was directed to pay a sum of Rs. 3,67,000/- (Rupees Three Lakh Sixty Seven Thousand only) as compensation to the claimants and to recover the same from the owner of the offending vehicle i. e. appellant Jaswant Singh Bisht. From the impugned Award, we gather that the Tribunal exonerated the Insurance Company from its liability to pay the compensation on the ground that the cheque given by the appellant (owner of the bus) towards the premium was dishonoured by the Bank and as such the Insurance Company did not receive any premium for insurance of the appellant's vehicle. Srisudhir Singh,the learned counsel for the appellant though ad vanced several submissions on other as pects of the matter, but could not dem onstrate that the appellant, in fact, paid any premium to the Insurance Company after the dishonour of his cheque by the Bank. In the absence of payment of pre mium by the owner of the vehicle to the Insurance Company, the Insurance Company cannot be held liable to pay compensation to the claimant.
(3.) IN this view of the matter, we do not find any infirmity in the finding re corded by the Tribunal exonerating the INsurance Company from its liability to pay the compensation to the claimant and holding the appellant (owner of the offending vehicle-bus) solely liable to pay the compensation to the claimant. Srisudhir Singh,the learned counsel for the appellant then chal lenged the quantum of the compensa tion assessed by the Tribunal. From the impugned Award, we gather that though the claimant pleaded that her deceased husband used to earn Rs. 6000-7000/-per month, but the Tribunal assessed his income on, its own estimate, at Rs. 3000/- per month only. The Tribunal has rightly assessed the claimant's depend ency at Rs. 24,000/- per annum. The multiplier of 15 selected by the Tribunal also cannot be found fault with as the Second Schedule u/s 163-A of the Mo tor Vehicles Act, 1988 prescribes the multiplier of 15 for the age group be tween 40-45 years.;