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{\title IN THE HIGH COURT OF FIJI (AT SUVA)}{\author Amelia Rasovo}{\operator blake_r}{\creatim\yr2004\mo8\dy30\hr9\min55}{\revtim\yr2004\mo8\dy30\hr17\min20}{\printim\yr2002\mo9\dy27\hr9\min13}{\version3}{\edmins2}{\nofpages2}{\nofwords316}
{\nofchars1804}{\*\company Judicial Department}{\nofcharsws2116}{\vern16389}}\widowctrl\ftnbj\aenddoc\noxlattoyen\expshrtn\noultrlspc\dntblnsbdb\nospaceforul\hyphcaps0\formshade\horzdoc\dghspace180\dgvspace180\dghorigin1701\dgvorigin1984\dghshow0\dgvshow0
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\qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10366116 \fs20\lang1033\langfe5129\cgrid\langnp1033\langfenp5129 {\b\fs24\lang2057\langfe5129\langnp2057\insrsid12063544\charrsid10366116 IN THE HIGH COURT OF FIJI}{
\b\fs24\lang2057\langfe5129\langnp2057\insrsid10366116\charrsid10366116 
\par }{\b\fs24\lang2057\langfe5129\langnp2057\insrsid12063544\charrsid10366116 (AT SUVA)
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10366116 {\b\fs24\lang2057\langfe5129\langnp2057\insrsid12063544\charrsid10366116 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10366116 {\fs24\lang2057\langfe5129\langnp2057\insrsid12063544\charrsid10366116 CIVIL ACTION NO. 477 OF 2001S
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10366116 {\fs24\lang2057\langfe5129\langnp2057\insrsid12063544\charrsid10366116 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10366116 {\fs24\lang2057\langfe5129\langnp2057\insrsid12063544\charrsid10366116 Between:
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10366116 {\fs24\lang2057\langfe5129\langnp2057\insrsid12063544\charrsid10366116 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10366116 {\b\fs24\lang2057\langfe5129\langnp2057\insrsid12063544\charrsid10366116 HAZRAT ALI &
\par MERESEINI MARICA ALI
\par }{\fs24\lang2057\langfe5129\langnp2057\insrsid12063544\charrsid10366116 Plaintiff
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10366116 {\fs24\lang2057\langfe5129\langnp2057\insrsid12063544\charrsid10366116 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10366116 {\fs24\lang2057\langfe5129\langnp2057\insrsid12063544\charrsid10366116 and
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10366116 {\fs24\lang2057\langfe5129\langnp2057\insrsid12063544\charrsid10366116 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10366116 {\b\fs24\lang2057\langfe5129\langnp2057\insrsid12063544\charrsid10366116 COLONIAL FIJI LIFE LIMITED
\par }{\fs24\lang2057\langfe5129\langnp2057\insrsid12063544\charrsid10366116 Defendant
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10366116 {\fs24\lang2057\langfe5129\langnp2057\insrsid12063544\charrsid10366116 
\par R.P. Singh for the Plaintiffs
\par Ms. R. Lal for the Defendant
\par 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10366116 {\b\fs24\lang2057\langfe5129\langnp2057\insrsid12063544\charrsid10366116 DECISION
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\par In December 1999 the second named Plaintiff took out two insurance policies with the Defendant.}{\fs24\lang2057\langfe5129\langnp2057\insrsid10366116  }{\fs24\lang2057\langfe5129\langnp2057\insrsid12063544\charrsid10366116 
The first, 8030040 insured her in the sum of $100,000 against suffering total and permanent disability; the second, 8030562 also insured her against total and permanent disability but in this case in the sum of}{
\fs24\lang2057\langfe5129\langnp2057\insrsid10366116  }{\fs24\lang2057\langfe5129\langnp2057\insrsid12063544\charrsid10366116 $50,000.
\par 
\par According to the Statement of Claim in January 2000 the second named Plaintiff began to suffer from paraperisis of both legs.}{\fs24\lang2057\langfe5129\langnp2057\insrsid10366116  }{\fs24\lang2057\langfe5129\langnp2057\insrsid12063544\charrsid10366116 
By August 2000 there was total sensory and motor loss in both limbs.}{\fs24\lang2057\langfe5129\langnp2057\insrsid10366116  }{\fs24\lang2057\langfe5129\langnp2057\insrsid12063544\charrsid10366116 
The second named Plaintiff was wheelchair bound and has no prospects of improvement.
\par 
\par In March 2000 the Plaintiff claimed $150,000 under the two policies.}{\fs24\lang2057\langfe5129\langnp2057\insrsid10366116  }{\fs24\lang2057\langfe5129\langnp2057\insrsid12063544\charrsid10366116 The Defendant refused to pay.}{
\fs24\lang2057\langfe5129\langnp2057\insrsid10366116  }{\fs24\lang2057\langfe5129\langnp2057\insrsid12063544\charrsid10366116 The Plaintiff\rquote 
s case is that the Defendant is in breach of its contract to pay but the Defendant alleges material non disclosure and misrepresentation.
\par 
\par This is an application by the Plaintiffs\rquote  for summary Judgment under the provisions of RHC O 14.
\par 
\par Mr. Singh submitted that there was no arguable defence to the Plaintiffs\rquote  claim.}{\fs24\lang2057\langfe5129\langnp2057\insrsid10366116  }{\fs24\lang2057\langfe5129\langnp2057\insrsid12063544\charrsid10366116 
Ms. Lal however told me that a full inquiry into the source and development of the second Plaintff\rquote s illness was required and that this would involve obtaining full access to the second Plaintiff\rquote 
s medical records which so far had been withheld.
\par 
\par On the papers before me there is some evidence to suggest that the second named Plaintiff may indeed have suffered some numbness before she took out the two policies.}{\fs24\lang2057\langfe5129\langnp2057\insrsid10366116  }{
\fs24\lang2057\langfe5129\langnp2057\insrsid12063544\charrsid10366116 Although the evidence is not at all clear it raises a slight doubt.}{\fs24\lang2057\langfe5129\langnp2057\insrsid10366116  }{
\fs24\lang2057\langfe5129\langnp2057\insrsid12063544\charrsid10366116 In my view this is not a case where it is clear that there is no real substantial question to be tried (}{\fs24\ul\lang2057\langfe5129\langnp2057\insrsid12063544\charrsid10366116 
Codd v. Delap}{\fs24\lang2057\langfe5129\langnp2057\insrsid12063544\charrsid10366116  (1905) 92 LT 720).}{\fs24\lang2057\langfe5129\langnp2057\insrsid10366116  }{\fs24\lang2057\langfe5129\langnp2057\insrsid12063544\charrsid10366116 
Where there are circumstances which call for close investigation Order 14 is not appropriate (}{\fs24\ul\lang2057\langfe5129\langnp2057\insrsid12063544\charrsid10366116 Miles v. Bull}{\fs24\lang2057\langfe5129\langnp2057\insrsid12063544\charrsid10366116 
 [1969] 1 QB 258; [1968] 3 All ER 632).
\par 
\par The Defendant is given unconditional leave to Defend.
\par 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10366116 {\b\fs24\lang2057\langfe5129\langnp2057\insrsid12063544\charrsid10366116 M.D. Scott
\par Judge
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10366116 {\fs24\lang2057\langfe5129\langnp2057\insrsid12063544\charrsid10366116 
\par September 2002
\par }}