(1.) This appeal is filed by the appellant-Insurer assailing the judgment and award dated 07.12.2012 passed by the Senior Civil Judge and JMFC, Kudligi, in MVC No.619/2011 (hereinafter referred to as the 'Tribunal', for short).
(2.) Heard the arguments of the learned counsel for the appellant-insurer as well as learned counsel for respondents.
(3.) The ranks of the parties before the Tribunal are retained for convenience.