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Supreme Court Rules Insurers Need Not Pay for Deaths Caused by Rash Driving

The ruling upholds the self-tort doctrine barring heirs from insurance payouts for fatal accidents caused by the policyholder’s own reckless driving.

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Overview

  • A bench of Justices P.S. Narasimha and R. Mahadevan dismissed the special leave petition by the family of N. S. Ravisha seeking Rs 80 lakh in compensation
  • The Supreme Court affirmed the Karnataka High Court’s November 23 order and the Motor Accident Tribunal’s original refusal to award any payout
  • Justices cited the self-tort principle under Indian motor accident law, ruling that insurers are exempt when the insured’s negligence directly leads to death
  • The case stems from Ravisha’s June 18, 2014 high-speed crash near Mylanahalli Gate in Arasikere after he broke multiple traffic regulations
  • The decision clarifies the legal limits of motor insurance coverage and sends a clear deterrent message against stunt and negligent driving