Punjab & Haryana HC Dismisses Insurer’s Appeal Seeking Recovery Rights

The Punjab & Haryana High Court dismissed an insurance company’s appeal seeking recovery rights against the vehicle owner after payment of compensation. The Court held that the insurer failed to prove breach of policy conditions, such as invalid licence or unauthorised use. It reiterated that recovery rights arise only when the insurer establishes clear violation of policy terms. Since liability was properly fastened and no legal infirmity existed in the Tribunal’s award, the appeal was rejected. The ruling reinforces strict interpretation of insurance contracts and protects victims’ compensation from unnecessary litigation.