Accident by borrower/brother of owner of vehicle -- Accident had not taken place with the involvement of any other vehicle but because a cow had came in front of motorcycle all of a sudden and in order to save the cow he lost his balance and fell on the road and sustained injuries -- Whether the insurance company is liable to pay any compensation to claimant who is neither the registered owner nor covered under any insurance policy – Payment on account of personal accident claim can be given to the person duly covered under the insurance policy and not to anybody else including brother of the person covered under such a policy -- Insurance company is not liable to pay any compensation.

(P&H HC) Decided on: 24.03.2015