Admittedly at the time of accident, the bike was insured with the Insurance company and the insurance of pillion rider was covered in the said insurance policy. The term accident is not defined in the Motor Vehicles Act. As per the Lexis Nexis, “Accident” means, ‘a sudden unforeseen or unexpected event causing harm to a person. In my view, accident includes, collision, over turning or slipping. It is not necessary to have involvement of other vehicle to cause an accident like in present case. Admittedly, the deceased was going on motorcycle and her saree got entangled in the rear wheel of the motorcycle and she fell on the road. It shows that, the death of the deceased was an accident. At the time of accident, the motorcycle was insured with respondent /Insurance Company. The accident caused due to use of the motorcycle, hence Insurance Company is liable to pay the compensation. Though four persons were travelling on the bike, but it has come on record that the deceased, her husband and their two minor children around three years of age were travelling with them, so it cannot be considered as breach of terms and conditions of insurance policy.
IN THE HIGH COURT OF JUDICATURE AT BOMBAY
CIVIL APPELLATE JURISDICTION
FIRST APPEAL NO. 1370 OF 2019
Aditya Ramchandra Patil Vs Yuvraj Bhivaji Patil
CORAM : SHIVKUMAR DIGE, J.
DATED : 23 rd JULY, 2025.







