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HDFC ERGO General Insurance Co. Ltd. vs. Smt. Rajbala & Ors.

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Motor Vehicles Act, 1988–Sec. 147–Private vehicle insured against “Act only Policy”–Whether the liability of occupant is covered ?–Held, no–Protection is available only against third party risk and the occupant of a private vehicle is not a third party–Direction to pay and recover cannot be issued to insurer–Tribunal erred in directing the appellant-Insurance Company to satisfy the award and then recover if from the owner and driver.