{\rtf1\adeflang1025\ansi\ansicpg1252\uc1\adeff0\deff0\stshfdbch0\stshfloch31506\stshfhich31506\stshfbi31506\deflang5129\deflangfe5129\themelang1033\themelangfe0\themelangcs0{\fonttbl{\f0\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\f34\fbidi \froman\fcharset0\fprq2{\*\panose 02040503050406030204}Cambria Math;}
{\f37\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri;}{\f38\fbidi \fswiss\fcharset0\fprq2{\*\panose 020b0604030504040204}Tahoma;}{\f40\fbidi \froman\fcharset0\fprq2{\*\panose 02050604050505020204}Bookman Old Style;}
{\flomajor\f31500\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\fdbmajor\f31501\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}
{\fhimajor\f31502\fbidi \froman\fcharset0\fprq2{\*\panose 02040503050406030204}Cambria;}{\fbimajor\f31503\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}
{\flominor\f31504\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\fdbminor\f31505\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}
{\fhiminor\f31506\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri;}{\fbiminor\f31507\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\f290\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}
{\f291\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\f293\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\f294\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\f295\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\f296\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\f297\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\f298\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\f630\fbidi \froman\fcharset238\fprq2 Cambria Math CE;}
{\f631\fbidi \froman\fcharset204\fprq2 Cambria Math Cyr;}{\f633\fbidi \froman\fcharset161\fprq2 Cambria Math Greek;}{\f634\fbidi \froman\fcharset162\fprq2 Cambria Math Tur;}{\f637\fbidi \froman\fcharset186\fprq2 Cambria Math Baltic;}
{\f638\fbidi \froman\fcharset163\fprq2 Cambria Math (Vietnamese);}{\f660\fbidi \fswiss\fcharset238\fprq2 Calibri CE;}{\f661\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr;}{\f663\fbidi \fswiss\fcharset161\fprq2 Calibri Greek;}
{\f664\fbidi \fswiss\fcharset162\fprq2 Calibri Tur;}{\f667\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic;}{\f668\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese);}{\f670\fbidi \fswiss\fcharset238\fprq2 Tahoma CE;}
{\f671\fbidi \fswiss\fcharset204\fprq2 Tahoma Cyr;}{\f673\fbidi \fswiss\fcharset161\fprq2 Tahoma Greek;}{\f674\fbidi \fswiss\fcharset162\fprq2 Tahoma Tur;}{\f675\fbidi \fswiss\fcharset177\fprq2 Tahoma (Hebrew);}
{\f676\fbidi \fswiss\fcharset178\fprq2 Tahoma (Arabic);}{\f677\fbidi \fswiss\fcharset186\fprq2 Tahoma Baltic;}{\f678\fbidi \fswiss\fcharset163\fprq2 Tahoma (Vietnamese);}{\f679\fbidi \fswiss\fcharset222\fprq2 Tahoma (Thai);}
{\f690\fbidi \froman\fcharset238\fprq2 Bookman Old Style CE;}{\f691\fbidi \froman\fcharset204\fprq2 Bookman Old Style Cyr;}{\f693\fbidi \froman\fcharset161\fprq2 Bookman Old Style Greek;}{\f694\fbidi \froman\fcharset162\fprq2 Bookman Old Style Tur;}
{\f697\fbidi \froman\fcharset186\fprq2 Bookman Old Style Baltic;}{\flomajor\f31508\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\flomajor\f31509\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\flomajor\f31511\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\flomajor\f31512\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\flomajor\f31513\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\flomajor\f31514\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\flomajor\f31515\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\flomajor\f31516\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}
{\fdbmajor\f31518\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\fdbmajor\f31519\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\fdbmajor\f31521\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}
{\fdbmajor\f31522\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\fdbmajor\f31523\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\fdbmajor\f31524\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}
{\fdbmajor\f31525\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\fdbmajor\f31526\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\fhimajor\f31528\fbidi \froman\fcharset238\fprq2 Cambria CE;}
{\fhimajor\f31529\fbidi \froman\fcharset204\fprq2 Cambria Cyr;}{\fhimajor\f31531\fbidi \froman\fcharset161\fprq2 Cambria Greek;}{\fhimajor\f31532\fbidi \froman\fcharset162\fprq2 Cambria Tur;}
{\fhimajor\f31535\fbidi \froman\fcharset186\fprq2 Cambria Baltic;}{\fhimajor\f31536\fbidi \froman\fcharset163\fprq2 Cambria (Vietnamese);}{\fbimajor\f31538\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}
{\fbimajor\f31539\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\fbimajor\f31541\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fbimajor\f31542\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}
{\fbimajor\f31543\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\fbimajor\f31544\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fbimajor\f31545\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}
{\fbimajor\f31546\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\flominor\f31548\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\flominor\f31549\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\flominor\f31551\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\flominor\f31552\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\flominor\f31553\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\flominor\f31554\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\flominor\f31555\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\flominor\f31556\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}
{\fdbminor\f31558\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\fdbminor\f31559\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\fdbminor\f31561\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}
{\fdbminor\f31562\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\fdbminor\f31563\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\fdbminor\f31564\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}
{\fdbminor\f31565\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\fdbminor\f31566\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\fhiminor\f31568\fbidi \fswiss\fcharset238\fprq2 Calibri CE;}
{\fhiminor\f31569\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr;}{\fhiminor\f31571\fbidi \fswiss\fcharset161\fprq2 Calibri Greek;}{\fhiminor\f31572\fbidi \fswiss\fcharset162\fprq2 Calibri Tur;}
{\fhiminor\f31575\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic;}{\fhiminor\f31576\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese);}{\fbiminor\f31578\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}
{\fbiminor\f31579\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\fbiminor\f31581\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fbiminor\f31582\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}
{\fbiminor\f31583\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\fbiminor\f31584\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fbiminor\f31585\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}
{\fbiminor\f31586\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}}{\colortbl;\red0\green0\blue0;\red0\green0\blue255;\red0\green255\blue255;\red0\green255\blue0;\red255\green0\blue255;\red255\green0\blue0;\red255\green255\blue0;
\red255\green255\blue255;\red0\green0\blue128;\red0\green128\blue128;\red0\green128\blue0;\red128\green0\blue128;\red128\green0\blue0;\red128\green128\blue0;\red128\green128\blue128;\red192\green192\blue192;\ctextone\ctint255\cshade255\red0\green0\blue0;}
{\*\defchp \f31506\fs22\lang1033\langfe1033\langnp1033\langfenp1033 }{\*\defpap \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 }\noqfpromote {\stylesheet{\ql \li0\ri0\sa200\sl276\slmult1
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\s15\ql \li720\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 
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{\list\listtemplateid-393184530\listhybrid{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid-622673516\'03(\'00);}{\levelnumbers\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 \b0\fbias0 
\fi-720\li3240\lin3240 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-360\li3600\lin3600 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-180\li4320\lin4320 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698703\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-360\li5040\lin5040 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-360\li5760\lin5760 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-180\li6480\lin6480 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698703\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-360\li7200\lin7200 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-360\li7920\lin7920 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-180\li8640\lin8640 }{\listname ;}\listid14576872}{\list\listtemplateid-801599202\listhybrid{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid-1014741264
\'02\'00);}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-360\li1800\lin1800 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'01.;}{\levelnumbers
\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li2520\lin2520 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 
\af0 \ltrch\fcs0 \fi-180\li3240\lin3240 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698703\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-360\li3960\lin3960 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-360\li4680\lin4680 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-180\li5400\lin5400 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698703\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-360\li6120\lin6120 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-360\li6840\lin6840 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-180\li7560\lin7560 }{\listname ;}\listid83495670}{\list\listtemplateid249171294\listhybrid{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid206078632
\'02\'00);}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-720\li2880\lin2880 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713
\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li3240\lin3240 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715
\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li3960\lin3960 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698703
\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li4680\lin4680 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713
\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li5400\lin5400 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715
\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li6120\lin6120 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698703
\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li6840\lin6840 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713
\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li7560\lin7560 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715
\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li8280\lin8280 }{\listname ;}\listid698899392}{\list\listtemplateid457764406\listhybrid{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0
\levelindent0{\leveltext\leveltemplateid349619690\'02\'00);}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-360\li1080\lin1080 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
\leveltemplateid67698713\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li1800\lin1800 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698715\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li2520\lin2520 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698703\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li3240\lin3240 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
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\par }\pard \ltrpar\s18\ql \li0\ri0\widctlpar\tqc\tx4680\tqr\tx9360\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6046427 
\par }}{\*\pnseclvl1\pnucrm\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl2\pnucltr\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl3\pndec\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl4\pnlcltr\pnstart1\pnindent720\pnhang {\pntxta )}}
{\*\pnseclvl5\pndec\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl6\pnlcltr\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl7\pnlcrm\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl8
\pnlcltr\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl9\pnlcrm\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}\pard\plain \ltrpar\qc \li0\ri0\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6183250 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f40\fs24\insrsid13109725\charrsid6183250 IN THE HIGH COURT OF FIJI
\par WESTERN DIVISION AT LAUTOKA
\par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6183250 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f40\fs24\insrsid6183250\charrsid6183250 CIVIL JURISDICTION}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \b\f40\fs24\insrsid6183250 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f40\fs24\insrsid6183250\charrsid6183250 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f40\fs24\insrsid13109725\charrsid6183250 CIVIL ACTION NO. HBC }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f40\fs24\insrsid10240537\charrsid6183250 0}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f40\fs24\insrsid13109725\charrsid6183250 49 OF 2011
\par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6183250\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f40\fs24\insrsid13109725 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f40\fs24\insrsid6183250\charrsid6183250 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f40\fs24\insrsid13109725\charrsid6183250 THE NEW INDIA ASSURANCE}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f40\fs24\insrsid6183250 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f40\fs24\insrsid13109725\charrsid6183250 COMPANY}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f40\fs24\insrsid6183250  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f40\fs24\insrsid13109725\charrsid6183250 LIMITED
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13109725\charrsid6183250 Plaintiff
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6183250 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6183250 
\par 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f40\fs24\insrsid13109725\charrsid6183250 SASHI SANJAY CHETTY}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6183250 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13109725\charrsid6183250 Defendant}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13109725 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6183250 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6183250 
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6183250 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6183250 
\par 
\par 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6183250\charrsid6183250 
\par }\pard \ltrpar\qj \fi-1440\li1440\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid7362199 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f40\fs24\insrsid13109725 Before\tab \tab }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\f40\fs24\insrsid12259387 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f40\fs24\insrsid13109725 :}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13109725 \tab Hon. Mr. Justice Sunil Sharma
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f40\fs24\insrsid3693882 Counsel}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f40\fs24\insrsid13109725 \tab \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f40\fs24\insrsid12259387 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f40\fs24\insrsid13109725 :}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13109725 \tab Mr. K. Patel for the Plaintiff
\par \tab \tab \tab \tab Ms. U. Baleilevuka for the Defendant
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f40\fs24\insrsid13109725 Date of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f40\fs24\insrsid12259387 Judgment}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f40\fs24\insrsid13109725 \tab :}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid13109725 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid16477078 7}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13829925  February}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13109725 , 2017
\par }\pard \ltrpar\qc \fi-2160\li2160\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid7872734\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13109725 
______________________________________________________________________________
\par 
\par }\pard \ltrpar\qc \li0\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13109725 {\rtlch\fcs1 \af0\afs32 \ltrch\fcs0 \b\f40\fs32\insrsid12259387\charrsid12259387 J U D G M E N T}{\rtlch\fcs1 \af0\afs32 
\ltrch\fcs0 \b\f40\fs32\insrsid13109725\charrsid12259387 
\par }\pard \ltrpar\ql \li0\ri0\sl276\slmult1\widctlpar\tqc\tx4725\tx7150\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13109725 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13109725 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f40\fs24\insrsid13109725 ______________________________________________________________________________
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13109725 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid12259387 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13109725 [1]\tab The }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid12259387 Plaintiff pursuant}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13109725  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12259387 to order granted }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid10240537 on }
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12259387 15}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid10240537  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12259387 October, 2015 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid789932 by consent }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12259387 filed its amended Statement of Claim dated 28 October, 2015.  I note that the amendment made by the Plaintiff }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid3487659 wa}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6447984 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid3487659  to include }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11363766 an}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\insrsid4998103  additional}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid3487659  prayer}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6447984  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12259387 
at paragraph 19}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid10240537 .4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12259387  of the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid10240537 Amended}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\insrsid6447984  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12259387 Statement of Claim}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6447984  which}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8194575  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid10240537 reads as}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8194575 :}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12259387 
\par }\pard \ltrpar\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7872734 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid7627035 
\par }\pard \ltrpar\qj \li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid7362199 {\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\insrsid8194575\charrsid5113633 \'93That there be Judg}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f40\insrsid9512261\charrsid5113633 [e]}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\insrsid8194575\charrsid5113633 ment against t}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\insrsid5656287 he Defendant in the sum of $44,}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f40\insrsid8194575\charrsid5113633 799}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\insrsid6447984\charrsid5113633 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\insrsid8194575\charrsid5113633 68 with interest.\'94}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f40\insrsid9512261\charrsid5113633 \tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f40\insrsid7362199\charrsid5113633 
\par }\pard \ltrpar\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13976774 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9512261 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\insrsid8194575\charrsid7362199 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid12259387 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8194575 [2]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid13335829 The Plaintiff in its A}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid14359513 mended Statement of Claim states as follows:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8194575 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid14359513 
\par }\pard \ltrpar\qj \fi-540\li1260\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1260\itap0\pararsid12323757 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid3487659 \'931) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\insrsid12323757 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\ul\insrsid15665847\charrsid3487659 T}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\ul\insrsid9968965 HE}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\insrsid15665847\charrsid3487659  Plaintiff is an approved insurance company with}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid9250568 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid3693882 in}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f40\fs24\insrsid9250568 ]}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid15665847\charrsid3487659  the meaning of Section 2 (1) of the Motor Vehicle (Third Party Insurance) Act, Cap 177, Laws of Fiji.}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f40\fs24\insrsid14359513\charrsid3487659 
\par }\pard\plain \ltrpar\s15\qj \fi-540\li1260\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1260\itap0\pararsid13315434\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid7434210\charrsid3487659 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid15665847\charrsid9968965 \hich\af40\dbch\af0\loch\f40 2)\tab}}\pard \ltrpar\s15\qj \fi-540\li1260\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin1260\itap0\pararsid13315434\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\ul\insrsid15665847\charrsid9968965 B}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\ul\insrsid9968965\charrsid9968965 Y}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid15665847\charrsid9968965  a proposal form and declaration dated 24}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\super\insrsid15665847\charrsid9968965 th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid15665847\charrsid9968965 
 March, 2007 (to which the Plaintiff will refer at the trial of this action for its full terms and effect) the Defendant requested the Plaintiff to issue to him a Compulsory Third Party Policy of Insurance in resp
ect of a motor vehicle registration number EB 914 belonging to him and described in the proposal form.
\par }\pard \ltrpar\s15\ql \fi-540\li1260\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1260\itap0\pararsid13315434\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid7434210\charrsid3487659 

\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid9968965\charrsid9968965 \hich\af40\dbch\af0\loch\f40 3)\tab}}\pard \ltrpar\s15\qj \fi-540\li1260\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin1260\itap0\pararsid13315434\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\ul\insrsid9968965\charrsid9968965 IN}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\insrsid15665847\charrsid9968965  pursuance of the proposed form and the declaration and in reliance upon the same and in consideration of the premium paid by the Defendant to the Plaintiff, the Plaintiff issued }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f40\fs24\insrsid6447984\charrsid9968965 to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid15665847\charrsid9968965 
the Defendant a Compulsory Third Party Insurance Policy with terms and conditions that the Defendant and Plaintiff require mandatory compliance, (to which the plaintiff will refer at trial of this action for its full terms and effect).
\par }\pard \ltrpar\s15\ql \fi-540\li1260\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1260\itap0\pararsid13315434\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\ul\insrsid7434210\charrsid9968965 

\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid15665847\charrsid9968965 \hich\af40\dbch\af0\loch\f40 4)\tab}}\pard \ltrpar\s15\qj \fi-540\li1260\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin1260\itap0\pararsid13315434\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\ul\insrsid15665847\charrsid9968965 O}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\ul\insrsid9968965\charrsid9968965 N}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid15665847\charrsid3487659  the 19}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\super\insrsid15665847\charrsid3487659 th}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f40\fs24\insrsid15665847\charrsid3487659  of December, 2007,
 during the currency of the policy and while the Compulsory Third Party Insurance Policy was in full force and effect.  The Defendant was involved in an accident in which one Krishna Swamy aka Kistaswamy aka Krishna Sami (hereinafter referred to as Krishn
a Swamy) f/n Armogan aka Arumugon died as a result of an accident.
\par }\pard \ltrpar\s15\ql \fi-540\li1260\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1260\itap0\pararsid13315434\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid7434210\charrsid3487659 

\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid15665847\charrsid9968965 \hich\af40\dbch\af0\loch\f40 5)\tab}}\pard \ltrpar\s15\qj \fi-540\li1260\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin1260\itap0\pararsid13976774\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\ul\insrsid15665847\charrsid9968965 T}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\ul\insrsid9968965\charrsid9968965 HAT}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid15665847\charrsid3487659 
 the Sole Executrix and Trustee of the deceased, Krishna Swamy is claiming damages against the Defendant pursuant to High Court Civil Action No. HBC 198 of 2009L on the grounds that the death of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\insrsid7362199\charrsid13976774 
\par }\pard \ltrpar\s15\qj \li1260\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1260\itap0\pararsid7872734\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\ul\insrsid7872734 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid15665847\charrsid3487659  Krishna Swamy was caused by the negligent driving by the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid15665847\charrsid7872734 
Defendant of the Motor Vehicle being a claim in respect }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid9251346\charrsid7872734 
of such a liability and Damages as is covered to subject the Terms and Conditions of the Compulsory Third Party Insurance Policy.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid15665847\charrsid7872734 
\par }\pard \ltrpar\s15\qj \fi-540\li1260\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1260\itap0\pararsid7872734\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid7434210\charrsid3487659 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid7434210\charrsid9968965 \hich\af40\dbch\af0\loch\f40 6)\tab}}\pard \ltrpar\s15\qj \fi-540\li1260\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin1260\itap0\pararsid7872734\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\ul\insrsid7434210\charrsid9968965 T}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\ul\insrsid9968965\charrsid9968965 HAT}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid7434210\charrsid3487659  the Defendant in its response and/or Defence in Civil Action No. HBC 198 of 2009L has denied the allegations of negli
gence.  This action has not yet being tried.
\par }\pard \ltrpar\s15\qj \fi-540\li1260\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1260\itap0\pararsid7872734\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid7434210\charrsid3487659 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid7434210\charrsid9968965 \hich\af40\dbch\af0\loch\f40 7)\tab}}\pard \ltrpar\s15\qj \fi-540\li1260\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin1260\itap0\pararsid7872734\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\ul\insrsid7434210\charrsid9968965 T}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\ul\insrsid9968965\charrsid9968965 HAT}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid7434210\charrsid3487659 
 the Compulsory Third Party Insurance Policy contained amongst other mandatory Terms and Conditions the following terms and conditions:
\par }\pard \ltrpar\s15\qj \fi-540\li1260\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1260\itap0\pararsid7872734\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid7434210\charrsid3487659 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\f40\lang1033\langfe1033\langnp1033\insrsid7943753\charrsid3487659 \hich\af40\dbch\af0\loch\f40 1.\tab}}\pard \ltrpar\s15\qj \fi-540\li1800\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls2\adjustright\rin0\lin1800\itap0\pararsid12323757\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\ul\insrsid7943753\charrsid3487659 
Persons or Classes of Persons Entitled to Drive and Insured Under This Policy}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid7434210\charrsid3487659 
\par }\pard \ltrpar\s15\qj \fi-540\li1800\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1800\itap0\pararsid12323757\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid7943753\charrsid3487659 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid7943753\charrsid3487659 \hich\af40\dbch\af0\loch\f40 a)\tab}}\pard \ltrpar\s15\qj \fi-360\li2160\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls3\adjustright\rin0\lin2160\itap0\pararsid12323757\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid7943753\charrsid3487659 The owner, and
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid7943753\charrsid3487659 \hich\af40\dbch\af0\loch\f40 b)\tab}Any person who is driving on the Owner\rquote s order or with his permission:
\par }\pard \ltrpar\s15\qj \fi-360\li2160\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid12323757\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid7943753\charrsid3487659 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid12323757 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid7943753\charrsid3487659 Provided that the person driving holds a
 license permitting him to drive a motor vehicle for every purpose for which the use of the above motor vehicle is limited under paragraph 2 above or at any time within the period of thirty days immediately prior to the time of driving has held such a lic
ense and is not disqualified for holding or obtaining such a license.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid7943753 
\par }\pard\plain \ltrpar\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7943753 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid7943753\charrsid3487659 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\f40\lang1033\langfe1033\langnp1033\insrsid7943753\charrsid3487659 \hich\af40\dbch\af0\loch\f40 2.\tab}}\pard\plain \ltrpar\s15\qj \fi-360\li1800\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls2\adjustright\rin0\lin1800\itap0\pararsid2374393\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\i\f40\fs24\ul\insrsid7943753\charrsid3487659 Conditions}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f40\fs24\insrsid7943753\charrsid3487659 
\par }\pard \ltrpar\s15\qj \fi-360\li1800\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1800\itap0\pararsid2374393\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid7943753\charrsid3487659 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid7943753\charrsid3487659 \hich\af40\dbch\af0\loch\f40 i)\tab}}\pard \ltrpar\s15\qj \fi-360\li1800\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls4\adjustright\rin0\lin1800\itap0\pararsid2374393\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid7943753\charrsid3487659 The }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\insrsid16731067\charrsid3487659 person insured shall not use the motor vehicle nor shall the owner permit or suffer any person to use such motor vehicle:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid2702655\charrsid2374393 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid2702655\charrsid3487659 \hich\af40\dbch\af0\loch\f40 (a)\tab}}\pard \ltrpar\s15\qj \fi-540\li2340\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin2340\itap0\pararsid8659219\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid2702655\charrsid3487659 Whilst such motor}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\insrsid3693882  vehicle is in unsafe condition.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid3693882\charrsid8659219 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid2702655\charrsid3487659 \hich\af40\dbch\af0\loch\f40 (b)\tab}}\pard \ltrpar\s15\qj \fi-540\li2340\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin2340\itap0\pararsid12323757\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid2702655\charrsid3487659 
To convey and load in excess of that for which it was constructed.
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid2702655\charrsid3487659 \hich\af40\dbch\af0\loch\f40 (c)\tab}To carry passengers for the hire or }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\insrsid2189635\charrsid3487659 reward or }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid2702655\charrsid3487659 in the pursuance of a contract of employment in contravention of the license issued for the vehicle described herein.

\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid2702655\charrsid3487659 \hich\af40\dbch\af0\loch\f40 (d)\tab}}\pard \ltrpar\s15\qj \fi-540\li2340\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin2340\itap0\pararsid2374393\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid2702655\charrsid3487659 Whilst any such person as aforesaid;}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f40\fs24\insrsid15213638\charrsid2374393 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid15213638\charrsid3487659 \hich\af40\dbch\af0\loch\f40 i)\tab}}\pard \ltrpar\s15\qj \fi-630\li2970\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin2970\itap0\pararsid12323757\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid15213638\charrsid3487659 Is under the influence of intoxicating liquor, or
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid15213638\charrsid3487659 \hich\af40\dbch\af0\loch\f40 ii)\tab}Is a result of age or some physical or mental rendered condition rendered }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid2189635\charrsid3487659 incapable }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid15213638\charrsid3487659 of driving such vehicle with safety.
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid15213638\charrsid3487659 \hich\af40\dbch\af0\loch\f40 iii)\tab}The insurer may, at any time by giving 14 days written notice to th}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid12323757 e Owner to cancel this policy. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid15213638\charrsid3487659 Notice of cancellation may be delivered personally or posted to by the O
wner at the address last notified to the insurer.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid4205405\charrsid3487659   After cancellation as aforesaid, the insurer}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid2189635\charrsid3487659 
 w}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid16602621 ill deliver on delivery of the P}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid2189635\charrsid3487659 olicy }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\insrsid5856122\charrsid3487659 and Certificate to the insurer}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid4205405\charrsid3487659 , refund to the Owner the amount of unearned premium, calculated on a pro rata basis.}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid15213638\charrsid3487659 
\par }\pard\plain \ltrpar\qj \fi-360\li1440\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid12323757 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid4205405\charrsid3487659 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\f40\lang1033\langfe1033\langnp1033\insrsid16663643\charrsid3487659 \hich\af40\dbch\af0\loch\f40 3.\tab}}\pard\plain \ltrpar\s15\qj \fi-360\li1800\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls2\adjustright\rin0\lin1800\itap0\pararsid2374393\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\i\f40\fs24\ul\insrsid16663643\charrsid3487659 W}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f40\fs24\ul\insrsid14948958\charrsid3487659 HEREAS}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid7683414\charrsid3487659  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid9968965  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid7683414\charrsid3487659 the Owner named herein has made a proposal and paid to the above \endash 
 named insurer for the issue of the Third Party to comply with the Motor }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid5856122\charrsid3487659 Vehicle (Third Party Insurance ) act in relation to the motor vehicle described }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid7683414\charrsid3487659 herein the insurer agrees sub
ject to the terms limitations exclusions and conditions contained herein or endorsed hereon and the provisions of the said Act to ensure the persons or class of persons insured under this policy as described under paragraph 3 above against all liability i
ncurred by such persons or class of persons in respect of the death of or bodily injury to any person caused by or arising out of the use of such motor vehicle on a road in Fiji during }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid7362199 

\par }\pard \ltrpar\s15\qj \li1800\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1800\itap0\pararsid7362199\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f40\fs24\ul\insrsid7362199 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid7683414\charrsid3487659 aforesaid or during any period for which the insurer may renew this insurance.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid4205405\charrsid3487659 
\par }\pard \ltrpar\s15\qj \fi-360\li1800\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1800\itap0\pararsid2374393\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid7683414\charrsid3487659 
\par }\pard \ltrpar\s15\qj \fi1440\li360\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin360\itap0\pararsid2374393\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f40\fs24\ul\insrsid7683414\charrsid3487659 Note}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f40\fs24\insrsid7683414\charrsid2374393 
\par }\pard \ltrpar\s15\qj \fi-360\li1800\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1800\itap0\pararsid2374393\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid2374393 \tab }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid7683414\charrsid3487659 Section 16 of the Ac
t requires that where the death of or bodily injury to any person arises out of the use of the within mentioned motor vehicle the owner and/or the driver shall forthwith notify the insurer.  Neither the owner nor any other person shall, without the consen
t
 in writing of the insurer, make any offer, settlement or admission of liability nor incur the expense of litigation.  Where there is a sale or change of possession of the motor vehicle from one person to another, each such person must forthwith notify th
e insurer and this policy and the certificate should be forwarded to the insurer for endorsement or replacement.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid11959152\charrsid3487659 
\par }\pard\plain \ltrpar\qj \fi-540\li1260\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1260\itap0\pararsid2374393 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid11959152\charrsid3487659 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid11959152\charrsid9968965 \hich\af40\dbch\af0\loch\f40 8)\tab}}\pard\plain \ltrpar\s15\qj \fi-540\li1260\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin1260\itap0\pararsid2374393\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f40\fs24\ul\insrsid11959152\charrsid9968965 T}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\ul\insrsid9968965\charrsid9968965 HAT}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid11959152\charrsid3487659 
 the Defendant and/or his servant and agents and/or his Legal Counsel upon service of the Civil Action No. HBC 198 of 2009L by the Sole 
Executrix and a Trustee of Krishna Swamy intentionally and dishonestly failed to notify the Defendant of the Civil Action No. HBC 198 of 2009L.
\par }\pard \ltrpar\s15\qj \fi-540\li1260\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1260\itap0\pararsid2374393\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid11959152\charrsid3487659 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid15675266\charrsid9968965 \hich\af40\dbch\af0\loch\f40 9)\tab}}\pard \ltrpar\s15\qj \fi-540\li1260\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin1260\itap0\pararsid2374393\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\ul\insrsid15675266\charrsid9968965 T}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\ul\insrsid9968965\charrsid9968965 HAT}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid15675266\charrsid3487659  the Defendant instructed his own Counsel in breach of the Compulsory Third Party Insurance Policy and f
iled an Acknowledgment of Service of the Writ of Summons for Civil Action No. HBC 198 of 2009L.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid11959152\charrsid3487659 
\par }\pard \ltrpar\s15\ql \fi-540\li1260\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1260\itap0\pararsid2374393\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid6174495\charrsid3487659 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid6174495\charrsid9968965 \hich\af40\dbch\af0\loch\f40 10)\tab}}\pard \ltrpar\s15\qj \fi-540\li1260\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin1260\itap0\pararsid2374393\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\ul\insrsid6174495\charrsid9968965 U}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\ul\insrsid9968965\charrsid9968965 PON}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid6174495\charrsid3487659 
 service of the Writ of Summons for Civil Action No. HBC 198 of 2009L on the Plaintiff by the Sole Executrix and Trustee of Krishna Swamy the Plaintiff instructed Counsel of their choice to take over proceedings in Civil Action No. HBC 198 of 2009L on or 
about the 31}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\super\insrsid6174495\charrsid3487659 st}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid6174495\charrsid3487659  December,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\insrsid12938346\charrsid3487659  2009 for and on behalf of the D}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid6174495\charrsid3487659 efendant.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid6174495 
\par }\pard \ltrpar\s15\qj \li1260\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1260\itap0\pararsid7362199\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid7362199\charrsid3487659 
\par }\pard \ltrpar\s15\ql \fi-540\li720\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2374393\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid16522006\charrsid3487659 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid16522006\charrsid9968965 \hich\af40\dbch\af0\loch\f40 11)\tab}}\pard \ltrpar\s15\qj \fi-540\li1260\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin1260\itap0\pararsid3693882\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\ul\insrsid16522006\charrsid9968965 T}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\ul\insrsid9968965\charrsid9968965 HAT}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid16522006\charrsid3487659 
 the Defendant on several occasions with the intent to defraud advised the Plaintiff that his driving license at all material }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid10517243 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\insrsid16522006\charrsid3487659 t}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid3693882 i}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid16522006\charrsid3487659 mes}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\insrsid10517243 ]}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid16522006\charrsid3487659  was}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid7872734\charrsid3693882 
\par }\pard \ltrpar\s15\qj \li1260\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1260\itap0\pararsid7872734\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid16522006\charrsid3487659 valid
 and the Plaintiff should pursuant to the Compulsory Third Party Insurance Polic}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid10694480\charrsid3487659 y}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid16522006\charrsid3487659 
 defend and indemnity the Defendant.
\par }\pard \ltrpar\s15\ql \fi-450\li1260\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1260\itap0\pararsid2374393\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid16522006\charrsid3487659 

\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid16522006\charrsid9968965 \hich\af40\dbch\af0\loch\f40 12)\tab}}\pard \ltrpar\s15\qj \fi-540\li1260\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin1260\itap0\pararsid2374393\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\ul\insrsid16522006\charrsid9968965 T}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\ul\insrsid9968965\charrsid9968965 HAT}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid16522006\charrsid3487659 
 the circumstances and facts relied on by the Plaintiff is that at all material times the Defendant continuously failed to fill i
n the motor vehicle accident claim form of the Plaintiff and/or forward any documents in relation to the subject accident, despite reminders by the Plaintiff to the Defendant and the Defendant stating to the Plaintiff that he will come to the office of th
e Defendant but failed to attend.
\par }\pard \ltrpar\s15\ql \fi-540\li720\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2374393\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid16522006\charrsid3487659 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid16522006\charrsid9968965 \hich\af40\dbch\af0\loch\f40 13)\tab}}\pard \ltrpar\s15\qj \fi-540\li1260\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin1260\itap0\pararsid2374393\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\ul\insrsid16522006\charrsid9968965 T}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\ul\insrsid9968965\charrsid9968965 HAT}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid16522006\charrsid3487659  because of the fraudulent intention and dishonesty of the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\insrsid10694480\charrsid3487659 d}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid16522006\charrsid3487659 
efendant and/or the oppressive and prejudicial actions and conducts of the Defendant on the grounds aforesaid and herein below the Plaintiff pursuant to s
ection 11, sub-section 3 of the Motor Vehicle (Third Party Insurance) Act, Cap 177, Laws of Fiji could not comply with the same.
\par }\pard \ltrpar\s15\ql \fi-540\li720\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2374393\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid16522006\charrsid3487659 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid16522006\charrsid9968965 \hich\af40\dbch\af0\loch\f40 14)\tab}}\pard \ltrpar\s15\qj \fi-540\li1260\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin1260\itap0\pararsid2374393\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\ul\insrsid16522006\charrsid9968965 T}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\ul\insrsid9968965\charrsid9968965 HAT}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid16522006\charrsid3487659  during the cause of the Plaintiff\rquote s and/or its servant and agents, investigation of the claim in Civil Action No. HBC
 198 of 2009L the Defendant fraudulently represented and advised the Plaintiff of a material fact that he held a valid driving license when the subject accident occurred on 19}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\super\insrsid16522006\charrsid3487659 th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid16522006\charrsid3487659  December, 2007 in compliance with the mandatory terms and conditions of the Co
mpulsory Third Party Insurance Policy with the intention to defeat the rights of the Plaintiff under the subject policy.
\par }\pard \ltrpar\s15\ql \fi-540\li720\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2374393\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid16522006\charrsid3487659 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid16522006\charrsid9968965 \hich\af40\dbch\af0\loch\f40 15)\tab}}\pard \ltrpar\s15\qj \fi-540\li1260\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin1260\itap0\pararsid71341\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\ul\insrsid16522006\charrsid9968965 T}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\ul\insrsid9968965\charrsid9968965 HAT}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid16522006\charrsid3487659 
 upon the representation and conduct and action of the Defendant the Plaintiff through its servant and/or agents and/or their Counsel, defended the Plaintiff in Civil Action No. HBC 198 of 2009L }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\insrsid7362199\charrsid71341 
\par }\pard \ltrpar\s15\qj \li1260\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1260\itap0\pararsid7362199\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid16522006\charrsid3487659 
as per the terms and conditions of the Compulsory Third Party Insurance Policy.
\par }\pard \ltrpar\s15\ql \fi-540\li720\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2374393\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid16522006\charrsid3487659 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid16522006\charrsid9968965 \hich\af40\dbch\af0\loch\f40 16)\tab}}\pard \ltrpar\s15\qj \fi-540\li1260\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin1260\itap0\pararsid3693882\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\ul\insrsid16522006\charrsid9968965 T}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\ul\insrsid9968965\charrsid9968965 HAT}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid16522006\charrsid3487659  upon further investigation by the Plaintiff and/or its servants and agents the Defendant committ
ed fraud against the Plaintiff, in }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid16522006\charrsid3693882 
particular and the circumstances being by the misrepresentation of a material fact and did not disclose that material fact which was material to Plaintiff on that he did not hold a driving license at the material time and
 in breach of the terms and condition of the Compulsory Third Party Insurance Policy.
\par }\pard \ltrpar\s15\ql \fi-540\li720\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2374393\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid12593269\charrsid3487659 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid12593269\charrsid9968965 \hich\af40\dbch\af0\loch\f40 17)\tab}}\pard \ltrpar\s15\qj \fi-540\li1260\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin1260\itap0\pararsid2374393\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\ul\insrsid12593269\charrsid9968965 T}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\ul\insrsid9968965\charrsid9968965 HAT}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid12593269\charrsid3487659  upon confirmation of the fraud committed by the Defendant, the Plaintiff instructed its servan
ts and agent and/or Counsel to withdraw defending the Defendant in Civil Action No. HBC 198 of 2009L.
\par }\pard \ltrpar\s15\ql \fi-540\li720\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2374393\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid12593269\charrsid3487659 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid12593269\charrsid9968965 \hich\af40\dbch\af0\loch\f40 18)\tab}}\pard \ltrpar\s15\qj \fi-540\li1260\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin1260\itap0\pararsid2374393\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\ul\insrsid12593269\charrsid9968965 T}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\ul\insrsid9968965\charrsid9968965 HE}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid12593269\charrsid3487659  Plaintiff\rquote s claim that apart from any provisions contained in the said policy, they at all ma}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f40\fs24\insrsid3693882 terial times were entitled to a}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid12593269\charrsid3487659 v}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid3693882 o}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\insrsid12593269\charrsid3487659 id the Compulsory Third Party Insurance Policy in the all grounds contained aforesaid.
\par }\pard \ltrpar\s15\ql \fi-540\li720\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2374393\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid6096175\charrsid3487659 
\par }\pard\plain \ltrpar\qj \fi-540\li1260\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1260\itap0\pararsid2374393 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid15226979\charrsid3487659 19) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid7872734  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f40\fs24\ul\insrsid15226979\charrsid3487659 WHEREFORE}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid6096175\charrsid3487659 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid2374393  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\insrsid7340041\charrsid3487659 the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid6096175\charrsid3487659  Plaintiff}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid15226979\charrsid3487659 \rquote s}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f40\fs24\insrsid6096175\charrsid3487659  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid15226979\charrsid3487659 claim }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid6096175\charrsid3487659 against the Defendant:
\par }\pard \ltrpar\qj \fi-720\li2520\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2520\itap0\pararsid8796462 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid6096175\charrsid3487659 19.1}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f40\fs24\insrsid15226979\charrsid3487659 )}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid6096175\charrsid3487659 \tab A declaration that the Plaintiff are and have at all material times entitled to avoid the Compulsory 
Third Party Insurance Policy.
\par 
\par 19.2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid15226979\charrsid3487659 )}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid6096175\charrsid3487659 \tab 
A declaration that the Plaintiff is entitled not to indemnify the Defendant upon any judg}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid3693882 [e]}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid6096175\charrsid3487659 ment it may }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid15226979\charrsid3487659 h}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid6096175\charrsid3487659 ave against him.
\par 
\par 19.3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid8796462 )}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid6096175\charrsid3487659 \tab That the Defendant breached the Terms & Conditions of the Compulsory Third Party Insurance Policy.

\par 
\par 19.4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid8796462 )}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid6096175\charrsid3487659 \tab That there be Judg}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid3693882 [e]}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid6096175\charrsid3487659 ment against the Defendant in the sum of $44,799.68 with Interest.
\par 
\par }\pard \ltrpar\qj \fi-720\li2520\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2520\itap0\pararsid5269315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid9788653 19.5}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\insrsid8796462 )}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid9788653 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid6096175\charrsid3487659 Costs on an indemnity basis.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\insrsid7872734\charrsid3487659 
\par }\pard \ltrpar\qj \fi-720\li2520\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2520\itap0\pararsid8796462 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid6096175\charrsid3487659 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid9788653 19.6}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid8796462 )}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid6096175\charrsid3487659 \tab 
Such other & further relief as this Honourable Court deems just & fair.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid8796462 \'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid6096175 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid13305919\charrsid3487659 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid13305919 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6096175 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid11363766 3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6096175 ]\tab The Defendant filed his Statement of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid3487659 Defence denying }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid16539154 the allegations of the Plaintiff and praying}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6096175  that the Plaintiff\rquote s claim be dismissed with costs.
\par }\pard \ltrpar\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid71341 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11627504 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid71341 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11627504 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid11363766 4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11627504 ]\tab The Plaintiff called }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9512261 the following }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid11627504 three witnesses to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid16539154 prove }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11627504 its claim against the Defendant:
\par }\pard \ltrpar\ql \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid71341 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11627504 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \f40\lang1033\langfe1033\langnp1033\insrsid2889483 \hich\af40\dbch\af0\loch\f40 a)\tab}}\pard\plain \ltrpar\s15\qj \fi-360\li1080\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls7\adjustright\rin0\lin1080\itap0\pararsid71341\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid2889483 Plaintiff\rquote s Witness No. 1\tab -\tab Police Constable 2848 Filimon}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9901245 i}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid2889483  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\insrsid2889483\charrsid71341 Nale.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11627504\charrsid71341 
\par }\pard\plain \ltrpar\qj \li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid71341 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid2889483 
\par }\pard \ltrpar\qj \fi-360\li1080\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1080\itap0\pararsid16602621 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid3693882 b)\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid3693882\charrsid3693882 Plaintiff\rquote s Witness No. 2\tab -}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid3693882 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid71341 Susana }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid3693882 Hazelman Team Leader}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid10517243 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid71341  \tab \tab \tab \tab \tab \tab \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid3693882\charrsid3693882 Registration and }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid71341 Licensing \tab \tab \tab \tab \tab \tab \tab \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid2889483\charrsid3693882 
Department, Land Transport }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid3693882 \tab \tab \tab \tab \tab \tab \tab \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid2889483\charrsid3693882 Authority, Lautoka.
\par }\pard \ltrpar\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid71341 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid3960285 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \f40\cf17\lang1033\langfe1033\langnp1033\insrsid3960285\charrsid2324217 \hich\af40\dbch\af0\loch\f40 c)\tab}}\pard\plain \ltrpar\s15\qj \fi-360\li1080\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls3\adjustright\rin0\lin1080\itap0\pararsid2324217\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\cf17\insrsid3960285\charrsid2324217 Plaintiff\rquote s Witness No. 3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid3960285\charrsid2324217 \tab -\tab Avinesh Chand Rai}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid9901245\charrsid2324217 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid3960285\charrsid2324217  Claims Officer, 
\par }\pard \ltrpar\s15\qj \li5040\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin5040\itap0\pararsid71341\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid3960285 
New India Assurance Company Limited, Lautoka.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid7362199\charrsid13976774 
\par }\pard\plain \ltrpar\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12462211 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12462211 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8796462 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12462211 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid11363766 5}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12462211 ]\tab By consent the following documentary evidence w}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5111957 ere}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid12462211  tendered during the 
\par }\pard \ltrpar\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12462211 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12462211 \tab hearing and marked as:
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9132974 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \f40\lang1033\langfe1033\langnp1033\insrsid9132974 \hich\af40\dbch\af0\loch\f40 a)\tab}}\pard\plain \ltrpar\s15\qj \fi-360\li1080\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls8\adjustright\rin0\lin1080\itap0\pararsid9132974\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\insrsid9132974 Plaintiff\rquote s Exhibit No. 1\tab -\tab Record of Interview of Sashi 
\par }\pard \ltrpar\s15\qj \li5040\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin5040\itap0\pararsid9512261\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9132974 Sanjay}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\insrsid9902229  Chetty}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9512261  dated 20 December, 2007}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9132974 ;
\par }\pard\plain \ltrpar\qj \li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid9132974 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9132974 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \f40\lang1033\langfe1033\langnp1033\insrsid9132974 \hich\af40\dbch\af0\loch\f40 b)\tab}}\pard\plain \ltrpar\s15\qj \fi-360\li1080\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls8\adjustright\rin0\lin1080\itap0\pararsid9132974\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\insrsid9132974 Plaintiff\rquote s Exhibit No. 2\tab -\tab Fiji Police Force Report dated 18}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\super\insrsid9132974\charrsid9132974 th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid9132974  
\par }\pard \ltrpar\s15\qj \li1080\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1080\itap0\pararsid9132974\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9132974 \tab \tab \tab \tab \tab \tab 
January 2008;
\par }\pard\plain \ltrpar\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9132974 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9132974 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \f40\lang1033\langfe1033\langnp1033\insrsid9132974 \hich\af40\dbch\af0\loch\f40 c)\tab}}\pard\plain \ltrpar\s15\qj \fi-360\li1080\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls8\adjustright\rin0\lin1080\itap0\pararsid9132974\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\insrsid9132974 Plaintiff\rquote s Exhibit No. 3\tab -\tab Land Transport Authority Letter 
\par }\pard \ltrpar\s15\qj \li1080\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1080\itap0\pararsid9132974\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9132974 \tab \tab \tab \tab \tab \tab dated 2}
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\super\insrsid9132974\charrsid9132974 nd}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid3693882  June 2010 signed on 11 \tab \tab \tab \tab \tab \tab \tab June, 2010; }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid9132974 
\par }\pard\plain \ltrpar\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9132974 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9132974 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \f40\lang1033\langfe1033\langnp1033\insrsid9132974\charrsid8223222 \hich\af40\dbch\af0\loch\f40 d)\tab}}\pard\plain \ltrpar\s15\qj \fi-360\li1080\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls8\adjustright\rin0\lin1080\itap0\pararsid8223222\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\insrsid9132974\charrsid8223222 Plaintiff\rquote s Exhibit No. 4\tab -\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid10517243\charrsid8223222 Writ of Summons and}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid8223222\charrsid8223222  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid10517243\charrsid8223222 Statement of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8223222\charrsid8223222    }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid15875818 \tab \tab \tab \tab \tab \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid10517243\charrsid15875818 Claim}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8223222\charrsid15875818  in High Cou}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid15875818\charrsid15875818 rt }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid10517243\charrsid15875818 Action No. HBC }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid15875818\charrsid15875818 \tab \tab 
\tab \tab \tab \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid10517243\charrsid15875818 198 of 2009; }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9132974\charrsid15875818 
\par }\pard\plain \ltrpar\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9132974 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9132974\charrsid15875818 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \f40\lang1033\langfe1033\langnp1033\insrsid9132974 \hich\af40\dbch\af0\loch\f40 e)\tab}}\pard\plain \ltrpar\s15\qj \fi-360\li1080\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls8\adjustright\rin0\lin1080\itap0\pararsid9132974\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\insrsid9132974 Plaintiff\rquote s Exhibit No. 5\tab -\tab Compulsory Third Party Insurance 
\par }\pard \ltrpar\s15\qj \li1080\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1080\itap0\pararsid9132974\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid1381367 \tab \tab \tab \tab \tab \tab 
Policy (4 pages);}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9132974 
\par }\pard\plain \ltrpar\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12257312 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12257312 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \f40\lang1033\langfe1033\langnp1033\insrsid12257312 \hich\af40\dbch\af0\loch\f40 f)\tab}}\pard\plain \ltrpar\s15\qj \fi-360\li1080\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls8\adjustright\rin0\lin1080\itap0\pararsid16602621\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\insrsid12257312 Plaintiff\rquote s Exhibit No. 6\tab -\tab Copy of Cheque No. 513836 dated
\par }\pard \ltrpar\s15\qj \li5040\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin5040\itap0\pararsid2306160\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12257312 11 April, 2012 }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9512261 in}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12257312  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6173496 the sum of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid2306160\charrsid2306160 $44,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12257312\charrsid2306160 799-68 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9512261\charrsid2306160 in favour of Messrs.}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\insrsid1381367\charrsid2306160  Suresh Maharaj and Associates }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid16602621\charrsid2306160 Trust }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12257312\charrsid2306160 
Account.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13976774\charrsid2306160 
\par }\pard\plain \ltrpar\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7362199 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13976774\charrsid7362199 
\par }\pard \ltrpar\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13976774 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid2572939 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f40\fs24\ul\insrsid2572939 EVIDENCE}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f40\fs24\ul\insrsid13976774 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13976774 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid13976774 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid2572939 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid11363766 6}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13976774 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9048250 The first witness called by the Plaintiff was Police Constable PC 2848 Filimon}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9901245 i}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9048250  Nale}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9901245  of Ba Police Station}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid9048250 .  On 20 December, 2007 the witness }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9901245 had}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid393695  under caution}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid9901245  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9048250 interviewed the Defendant Sashi Sanjay Chetty in}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13976774  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid9048250 respect of an accident that had occurred on 19 December, 2007 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid393695 on the Kings Road at Wailailai, Ba. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid3678182 
It was alleged that }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9048250 the Defendant was driving }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid393695 his}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9048250  motor vehicle }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid393695 registration number }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9048250 EB 914 in a dangerous manner }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid393695 which collided with }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9048250 a pedestrian namely Krishna Sami and caused his death.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid2572939 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8478855 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid9048250 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8478855 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid11363766 7}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8478855 ]\tab According to the witness he }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11152315 had i}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8478855 
nterview}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11152315 ed}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8478855 
 the Defendant at the Ba Police Station.  At page 3 of the Record of Interview the following question was asked by the witness and the answer given by the Defendant was recorded as follows:
\par }\pard \ltrpar\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13976774 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid220458 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid9048250 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid220458 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\insrsid220458\charrsid12781543 \'93Q.23:\tab Did you drink any liquor at the house of Harish?
\par \tab Ans:\tab \tab Six bottles between four of us.
\par 
\par }\pard \ltrpar\qj \fi-1440\li2160\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid220458 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid220458\charrsid12781543 Q.24:\tab 
Can you tell me more about the six bottles you have mentioned it to me from above?
\par Ans:\tab Six bottles of Fiji Bitter large.\'94
\par }\pard \ltrpar\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid220458 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid220458 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid12781543 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid220458 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid11363766 8}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid220458 ]\tab The witness also informed the court that the Defendant had signed the record of interview}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11152315 
 from page two to page }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9512261 eight}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid220458 .  The record of interview of the Defendant Sashi Sanjay Chetty dated 20 December, 2007}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12781543  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid2169061 wa}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12781543 s marked as Plaintiff\rquote s }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid202327 Exhibit}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12781543  No. 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11152315 . The witness also identified the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid12781543 Fiji Police Force Report dated 18 January, 2008 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11152315 which mentions }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12781543 the details of the accident}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6621695 . This Police Report }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid2169061 wa}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12781543 s marked as Plaintiff\rquote 
s Exhibit No. 2.  This witness was not cross examined.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid220458 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid4072567 
\par [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11363766 9}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid4072567 ]\tab The second witness was Susana Hazelman, Team Leader, Registration and Licen}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid6621695 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid4072567 ing Department, Land Transport Authority, Lautoka.
\par 
\par [1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11363766 0}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid4072567 ]\tab Th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6621695 is}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid4072567  witness informed the court that the Land Transport Authority had a computerized system of record keeping which also included a }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6621695 data base and a }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid4072567 manual filing system.  A}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5445278 ccording to the witness a}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid4072567  request for a search on a }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12457950 D}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid4072567 river\rquote s }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12457950 Licence}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid4072567  will show the date of issue of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9512261 the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid4072567  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid10689596 D}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid4072567 river\rquote s }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid10689596 L}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid4072567 icence.  
\par 
\par [1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11363766 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid4072567 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid202327 The witness confirmed that the Land Transport Authority had 
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12920137 sent}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid202327  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12920137 a}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid202327 
 letter dated 2 June 2010, signed by Sikeli Lagilagi on 11 June 2010   to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid14038892 Messrs.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid202327  Krishna and Company since the}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12920137 re}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid202327  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12920137 was a r}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid202327 equest}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12920137  made}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid202327  for the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12457950 D}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid202327 river}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12457950 \rquote s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid202327  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12457950 Licence}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid202327  history of Sashi Sanjay Chetty }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid14038892 being }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid10689596 Licence}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid202327  no. 736269.  This letter was marked as Plaintiff\rquote s Exhibit No. 3.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid4072567 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid202327 
\par [1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11363766 2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid202327 ]\tab In the letter sent to Messrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid14038892 .}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\insrsid202327  Krishna and Company the Land Transport Authority had provided the Licence Renewal Date and the Licence Expiry Date.
\par }\pard \ltrpar\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid71341 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid202327 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid12781543 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid202327 [1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid11363766 3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid202327 ]\tab The witness confirmed that on 19 December, 2007 the Defendant did not have a }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid1381367 Driver\rquote s L}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid202327 icence to drive a motor vehicle.
\par 
\par [1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11363766 4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid202327 ]\tab In cross examination the witness was shown another letter dated 2 June}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid2169061 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid202327  2010 written by the Land Tra}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid2309514 
nsport Authority signed by Sikeli Lagilagi on the same date.  This letter was marked as Defendant\rquote s Exhibit No. 1.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid202327 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid2309514 
\par [1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11363766 5}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid2309514 ]\tab According to the witness from the information }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid10689596 contained }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid2309514 in the letter dated 2 June}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid2169061 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid2309514  2010 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid2169061 (Defendant\rquote s Exhibit no. 1) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid2309514 the Defendant had a }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12457950 D}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid2309514 river\rquote s }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12457950 Licence}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid14038892  on the date of the accident}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid2309514 .
\par 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid7362199 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid2309514 [1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid11363766 6}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid2309514 ]\tab In re-examination the witness clarified that there were two letters written by the Land Transport Authority, the one signed on 2 June}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\insrsid1795398 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid2309514  2010 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8864158 was incorrect}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid2309514 
 since there was an error in recording the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid10689596 L}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid2309514 
icence renewal date.  The error was corrected in the second letter signed by Sikeli Lagilagi on 11 June}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid1795398 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid2309514 
 2010.  The correct renewal date was 20 December}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid1795398 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid2309514  2007 and not 20 November}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid1795398 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid2309514  2007 as mentioned in the first letter of the Land Transport Authority.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid7872734 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid12781543 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid7872734 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid333234 [1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11363766 7}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid333234 ]\tab The final Plaintiff\rquote 
s witness was Avinesh Chand Rai, Claims Officer employed by New India Assurance Company Ltd, Lautoka.
\par 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid16602621 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid333234 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid11363766 18}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid333234 ]\tab The witness confirmed that Writ of Summons and Statement of Claim in Acti}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid1140399 
on No. 198 of 2009 was served o}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid333234 n the Plaintiff }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid14038892 C}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid333234 
ompany since the Plaintiff had issued a Compulsory Third Party Insurance Policy in favour }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid1381367 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid7872734 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid1381367 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid333234 of motor vehicle EB 914 owned by the Defendant.  The action was instituted }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11545303 by}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid333234  Muniamma }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11545303 as the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid16467211 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11545303 ole Executrix and Trustee }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid333234 for the Estate of Krishna Swamy aka Kistaswamy aka Krishna Sami }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11545303 against}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid333234  Sashi Sanjay Chetty.  The }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid1381367 Writ of Summons and Statement of Claim}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12457950  in Action No. 198 of 2009 were}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid333234 
 marked as the Plaintiff\rquote s Exhibit No. 4.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid7872734 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid12781543 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid15294467 
\par [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11363766 19}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid15294467 ]\tab According to the witness the Defendant had not informed the Plaintiff }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid11545303 C}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid15294467 ompany about the accident they became aware of the accident when the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid1381367 
Writ of Summons and Statement of Claim }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid15294467 were served on the Plaintiff }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11545303 Company}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid15294467 .
\par 
\par [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11363766 20}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid15294467 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11545303 U}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid15294467 nbeknown to the Plaintiff }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11545303 C}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid15294467 ompany and without its consent the Defendant engaged Messrs}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid14038892 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid15294467  Iqbal Khan and Associates to defend Action 198 of 2009.  After the receipt of the Writ of Summons the Plaintiff instructed Messrs}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid14038892 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid15294467  Krishna and Company to defend the Defendant.
\par 
\par [2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11363766 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid15294467 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid7692603 Furthermore the Plaintiff }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\insrsid14038892 C}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid7692603 ompany conducted its own investigation in}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11545303 to}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid7692603  the accident which revealed that the Defendant did not have a valid Driver\rquote s Lice}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6046427 nce at the time of the accident hence the Def
endant had breached the terms and conditions of the Compulsory Third Party Insurance Policy issued.  The Compulsory Third Party Insurance Policy }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11545303 w}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid6046427 as marked as Plaintiff\rquote s Exhibit No. 5.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid15294467 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6046427 
\par [2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11363766 2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6046427 ]\tab After becoming aware that the Defendant did not have a valid Driver\rquote 
s Licence the Plaintiff instructed its solicitors to withdraw from acting for the Defendant.
\par 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid71341 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6046427 [2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid11363766 3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6046427 ]\tab When Plaintiff\rquote s Exhibit No. 3 letter from Land Transport Authority was shown to the witness he agreed that the letter provided details that the }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11545303 driving }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid14038892 Licence}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6046427  of the Defendant had expired on 8 November}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11545303 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6046427  2007 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11545303 but}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid6046427  was renewed a day after the accident on 20 December}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11545303 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6046427  2007.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid1381367 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid12781543 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8986849 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4522842 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8986849 [2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid11363766 4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8986849 ]}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid4522842 \tab According to the witness }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11545303 the }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid4522842 Defendant had breached clause 1 (b) of the Compulsory Third Party Insurance Policy in that the Defendant\rquote s Driver\rquote 
s Licence had expired on 8 November 2007 and the renewal had exceeded the 30 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid1381367 days}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid16122587  time}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid4522842  limit within }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid16122587 which }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid4522842 the Driver\rquote s }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid14038892 
Licence}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid4522842  was renewed.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11627504 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid14046112 
\par [2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11363766 5}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid14046112 ]\tab After the Plaintiff }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11545303 Company}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\insrsid14046112  instructed its solicitors to withdraw acting for the Defendant in Action No. 198 of 2009 a Judg}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid16122587 e}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid14046112 ment was entered against the Defendant and the Plaintiff }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11545303 Company}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid14046112  paid out the judg}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid15154274 e}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid14046112 ment sum.
\par 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid7362199 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid14046112 [2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid11363766 6}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid14046112 ]\tab On 11 April, 2012 the Plaintiff paid the sum of $44,799-68 to Messrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid14038892 .}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\insrsid14046112  Suresh Maharaj and Associates Trust Account, a copy of the cheque is marked as Plaintiff\rquote s Exhibit No. 6.
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13328692 
\par [2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11363766 7}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13328692 ]\tab The witness stated that the purpose of this action against the Defendant was to recover the Judg}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8520076 e}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13328692 ment amount paid }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid3767357 by the Plaintiff Company }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid13328692 in action no. 198 of 2009.
\par 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid5269315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13328692 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid11363766 28}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13328692 ]\tab In cross examination the witness reconfirmed that during the further investigation conducted by the Plaintiff }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid10501695 Company}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13328692  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid3767357 it was revealed}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13328692 
 that the Defendant did not have a valid Driver\rquote s Licence accordingly their solicitors }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid3767357 were instructed }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13328692 
to withdraw acting as }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid14038892 c}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13328692 ounsel for the Defendant.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13976774 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5269315 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid13976774 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5320414 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid11363766 29}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5320414 ]\tab A}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid14038892 fter}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5320414  the close of the Plaintiff
\rquote s case}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid1381367 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5320414  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid14038892 c}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid5320414 ounsel for the Defendant informed the court that the Defendant will not be giving evidence and}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid2177511  will also not be}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid5320414  calling any witness.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid7362199 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid7362199 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid7362199 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid16477078 [30]\tab Counsel for the Plaintiff filed helpful written submissions whilst the counsel for the Defendant opted}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid1381367 
 not to file written submissions but}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid16477078  rely on the cross examination advanced as part of the Defendant\rquote s case. 
\par }\pard \ltrpar\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid71341 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid1381367 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid5320414 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid1381367 
\par \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f40\fs24\ul\insrsid5320414 ANALYSIS AND DETERMINATION}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5320414 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid7362199 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5320414 
\par [3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid16477078 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5320414 ]\tab The Plaintiff contends that although they had issued a }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid3767357 C}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5320414 ompulsory Third Party Insurance Policy to the Defendant in respect of his motor vehicle registration number EB 914 the Defendant had breached the terms and conditions of the policy issued.
\par 
\par [3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid16477078 2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5320414 ]\tab As a result of the breach of the policy terms and condition}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid15095986 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5320414  by the Defendant the Plaintiff }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid3767357 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid202141 ubmits}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid3767357  that }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5320414 it is not liable to indemnify the Defendant}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid4527711  against the Judg}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid3619292 e}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid4527711 ment obtained in t}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid3619292 ort }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid4527711 action no. 198 of 2009 and is therefore entitled to recover the amount of money paid}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid10450861  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid15883230 on behalf of }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid10450861 the Defendant}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid1381367 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid4527711 
\par 
\par [3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid16477078 3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid4527711 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5118667 
After the Defendant was involved in a road accident on 19 December, 2007 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid202141 caused by the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5118667 vehicle driven by }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\insrsid10450861 him}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid202141 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5118667  PW1 Filimoni Nale conducted the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid202141 caution }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5118667 interview of the Defendant at the Ba Police Station on 20 December, 2007.
\par 
\par [3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid16477078 4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5118667 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid202141 In the caution interview t}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\insrsid6101064 he Defendant }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid202141 admitted he }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6101064 was under the influence of alcohol when he drove the }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid202141 motor }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6101064 vehicle }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid202141 registration }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid11474601 number }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid202141 EB 914 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6101064 on 19 December, 20
07.  The evidence of PW1 Police Constable Nale was not challenged by the Defendant.
\par 
\par [3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid16477078 5}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6101064 ]\tab 
I accept that the Defendant was under the influence of alcohol when he drove the vehicle which caused the death of the pedestrian on 19 December, 2007.
\par 
\par [3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid16477078 6}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6101064 ]\tab Ms. Hazelman, Team Leader}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6822048 
, Registration and Licensing Department Land}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6101064  Transport Authority confirmed that as per records kept by the Land Transport Authority the Defendant\rquote s Driver\rquote 
s Licence had expired on 8}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\super\insrsid6101064\charrsid6101064 th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6101064  November, 2007 which was renewed on 20}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\super\insrsid6101064\charrsid6101064 th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6101064  December, 2007.  
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6822048 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid6822048 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6101064 [3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid16477078 7}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6101064 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6101064\charrsid10450861 I }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6822048 therefore }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6101064\charrsid10450861 accept that the Defendant }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6822048 
on the date of the accident that is 19 December, 2007 was driving his motor vehicle registration EB 914 without a valid Driver\rquote s Licence.
\par 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid7362199 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9583103 [3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid16477078 8}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9583103 ]\tab The final witness }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid7414846 for}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9583103 
 the Plaintiff was its Claims Officer Avinesh Chand Rai who informed the court that the Plaintiff had issued a Compulsory Third Party Insurance Policy for motor vehicle registration number EB 914 owned by the Defendant.
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid6101064 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9583103 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid7362199 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9583103 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid11363766 3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid16477078 9}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9583103 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9319665 The Defendant was involved in 
an accident on }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid1932421 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9319665 9 December 2007 whereby the pedestrian }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid10450861 
who was bumped by the motor vehicle driven by the Defendant }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9319665 had died as a result of the injuries }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid3688663 received}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\insrsid9319665  from the collision.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9583103 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9319665 
\par [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid16477078 40}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9319665 ]\tab The deceased\rquote s estate brought proceedings against the Defendant, the Plaintiff }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\insrsid9058884 C}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9319665 ompany initially started defending the Defendant under the policy issued by }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid3688663 the }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9319665 Plaintiff.
\par 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1381367 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9319665 [4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid16477078 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9319665 ]\tab However, the Plaintiff later withdrew representing the Defendant since investigations conducted by the Plaintiff revealed that at the time of the }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13976774 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid13976774 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13976774 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid9319665 accident the Defendant did not have a valid }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11474601 D}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9319665 riv}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid11474601 er\rquote s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9319665  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11474601 L}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9319665 icence.}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11474601  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6822048 Thereafter}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11474601  a Judgement was entered against the Defendant. }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid7362199 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid7362199 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid7362199 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9319665 [4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid16477078 2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9319665 ]\tab The Plaintiff subsequently}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\insrsid7212245  paid the Judg}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11474601 e}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid7212245 ment sum i}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9058884 n}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid7212245  the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9058884 tort}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid7212245  action and is now seekin
g to recover the same from the Defendant for his breach of the terms and conditions of the policy issued by the Plaintiff.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9319665 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid7212245 
\par [4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid16477078 3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid7212245 ]\tab The Plaintiff paid the sum of $44,799-68 in satisfaction of the judg}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid11474601 e}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid7212245 ment obtained against the Defendant.
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid1464610 
\par [4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid16477078 4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid1464610 ]\tab The following terms and conditions }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11936205 formed part of the }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid1464610 Compulsory Third Party Insurance Policy issued by the Plaintiff:
\par 
\par }\pard \ltrpar\qj \fi-720\li1440\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid7362199 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid1464610\charrsid8853464 \'93}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\i\f40\fs24\insrsid1464610\charrsid8853464 1.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid1464610\charrsid8853464 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f40\fs24\insrsid1464610\charrsid8853464 
PERSONS OR CLASSES OF PERSONS ENTITLED TO DRIVE AND INSURED UNDER THIS POLICY
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid7362199 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid1464610\charrsid8853464 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid1464610\charrsid8853464 \hich\af40\dbch\af0\loch\f40 (a)\tab}}\pard\plain \ltrpar\s15\qj \fi-540\li1980\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls9\adjustright\rin0\lin1980\itap0\pararsid7362199\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f40\fs24\insrsid1464610\charrsid8853464 The owner, and
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid17967\charrsid8853464 \hich\af40\dbch\af0\loch\f40 (b)\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid17967\charrsid8853464 
Any person who is driving on the Owner\rquote s order or with his permission:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid1464610\charrsid8853464 
\par }\pard \ltrpar\s15\qj \li1980\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1980\itap0\pararsid5269315\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid17967\charrsid8853464 
Provided that the person driving holds a }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid1381367 licenc}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid8796462\charrsid8853464 e}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\insrsid17967\charrsid8853464  permitting him to drive a motor vehicle for every purpose for which the use of the above motor vehicle is limited under paragraph 2 above or at any time within the 
period of thirty days immediately prior to the time of driving has held such a }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid8796462\charrsid8853464 licen}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid1381367 c}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f40\fs24\insrsid8796462\charrsid8853464 e}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid17967\charrsid8853464  and is not disqualified for hold}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid5717772\charrsid8853464 
ing or obtaining such a }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid8796462 licen}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid1381367 c}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid8796462 e.}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f40\fs24\insrsid13976774 
\par }\pard\plain \ltrpar\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7362199 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid13976774\charrsid8853464 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\f40\lang1033\langfe1033\langnp1033\insrsid5717772\charrsid13305919 \hich\af40\dbch\af0\loch\f40 3.\tab}}\pard\plain \ltrpar\s15\qj \fi-720\li1440\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls17\adjustright\rin0\lin1440\itap0\pararsid7362199\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\i\f40\fs24\insrsid5717772\charrsid13305919 CONDITIONS}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f40\fs24\insrsid5717772 
\par }\pard \ltrpar\s15\qj \li1440\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid13976774\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f40\fs24\insrsid13976774\charrsid13305919 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid5717772\charrsid8853464 \hich\af40\dbch\af0\loch\f40 (i)\tab}}\pard \ltrpar\s15\qj \fi-540\li1980\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls11\adjustright\rin0\lin1980\itap0\pararsid7362199\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid5717772\charrsid8853464 
The person insured shall not use the motor vehicle nor shall the owner permit or suffer any person to use such motor vehicle:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f40\fs24\insrsid5717772\charrsid8853464 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid4331935\charrsid8853464 \hich\af40\dbch\af0\loch\f40 (a)\tab}}\pard \ltrpar\s15\qj \fi-540\li2520\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls12\adjustright\rin0\lin2520\itap0\pararsid7362199\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid4331935\charrsid8853464 w}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\insrsid5717772\charrsid8853464 hilst such motor vehicle is in unsafe condition.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f40\fs24\insrsid5717772\charrsid8853464 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid4331935\charrsid8853464 \hich\af40\dbch\af0\loch\f40 (b)\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid4331935\charrsid8853464 t}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid5717772\charrsid8853464 o convey and load in excess of that for which it was constructed.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f40\fs24\insrsid5717772\charrsid8853464 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid4331935\charrsid8853464 \hich\af40\dbch\af0\loch\f40 (c)\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid4331935\charrsid8853464 t}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid5717772\charrsid8853464 o carry passengers for the hire or reward or in the pursuance of a contract of employment in contravention of the licence issued for the vehicle described herein.}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \b\i\f40\fs24\insrsid5717772\charrsid8853464 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid4331935\charrsid8853464 \hich\af40\dbch\af0\loch\f40 (d)\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid4331935\charrsid8853464 w}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid5717772\charrsid8853464 hilst any such person as aforesaid}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f40\fs24\insrsid5717772\charrsid8853464 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid4331935\charrsid8853464 \hich\af40\dbch\af0\loch\f40 (i)\tab}}\pard \ltrpar\s15\qj \fi-540\li3060\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls13\adjustright\rin0\lin3060\itap0\pararsid7362199\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid4331935\charrsid8853464 i}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\insrsid5717772\charrsid8853464 s under the influence of intoxicating liquor, or}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f40\fs24\insrsid5717772\charrsid8853464 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\f40\lang1033\langfe1033\langnp1033\insrsid4331935\charrsid8853464 \hich\af40\dbch\af0\loch\f40 (ii)\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid4331935\charrsid8853464 i}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid5717772\charrsid8853464 s as a result of age or some physical or mental condition rendered incapable of driving such vehicle with safety.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f40\fs24\insrsid5717772\charrsid8853464 
\par }\pard\plain \ltrpar\qj \li1440\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid7362199 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid1381367 (ii)\'85}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid4331935\charrsid8853464 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid4930495\charrsid8853464 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\f40\lang1033\langfe1033\langnp1033\insrsid7371610\charrsid8853464 \hich\af40\dbch\af0\loch\f40 4.\tab}}\pard\plain \ltrpar\s15\qj \fi-720\li1440\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls2\adjustright\rin0\lin1440\itap0\pararsid7362199\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\i\f40\fs24\insrsid7371610\charrsid8853464 WHEREAS}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid7371610\charrsid8853464 
 the Owner named herein has made a proposal and paid a premium to the above-named insurer for the issue of the Third P
arty to comply with the Motor Vehicles (Third Party Insurance) act in relation to the motor vehicle described herein the insurer agrees subject to the terms limitations exclusions and conditions contained herein or endorsed hereon and the provisions of th
e said Act to ensure the persons or class of persons insured under this policy as described under paragraph 3 above }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid661982\charrsid8853464 
against all liability incurred by such persons or class of persons in respect of the death of or bodily injury to any person caused }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid7371610\charrsid8853464 by or ari
sing out of the use of such motor vehicle on a road in Fiji during the period aforesaid or during any period for which the insurer may renew this insurance.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid661982\charrsid8796462 
\par }\pard\plain \ltrpar\qj \li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid7362199 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f40\fs24\insrsid8796462 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f40\fs24\insrsid8595353\charrsid8853464 NOTE:
\par }\pard \ltrpar\qj \li1440\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid7362199 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid8595353\charrsid8853464 
Section 16 of the Act requires that where the death of or bodily injury to any person arises
 out of the use of the within mentioned motor vehicle the owner and/or the driver shall forthwith notify the insurer.  Neither the owner nor any other person shall, without the consent in writing of the insurer, make any offer, settlement or admission of 
liability nor incur the expense of litigation.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid12854633 ..}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid8595353\charrsid8853464 \'94
\par }\pard \ltrpar\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8595353 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8595353 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid29432 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f40\fs24\ul\insrsid29432 SPECIFIC BREACHES BY THE DEFENDANT}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8595353 
\par }\pard \ltrpar\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7362199 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid29432 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid7362199 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid29432 [4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid16477078 5}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid29432 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12454504 From the evidence }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid15892156 adduced}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12454504  there is no doubt that the Defendant has breached some of the terms and conditions of the Compulsory Third Party Insurance Policy issued by the Plaintiff.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid29432 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5321491 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid15025041 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5321491 [4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid16477078 6}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5321491 ]\tab Firstly the Defendant breached clause 1 (b) of the policy since he did not have a valid }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid15892156 D}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5321491 riv}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid15892156 er\rquote s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5321491  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid15892156 Licence}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5321491  on 19 December, 2007 when he caused the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid1381367 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid7362199 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5321491  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid1381367 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5321491 vehicle he was driving to collide with the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid15892156 pedestrian}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid5321491  at the time of the accident.
\par 
\par [4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid16477078 7}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5321491 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\cf17\insrsid5321491\charrsid8015018 The }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\cf17\insrsid15892156\charrsid8015018 D}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\cf17\insrsid5321491\charrsid8015018 river\rquote s }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\cf17\insrsid15892156\charrsid8015018 L}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\cf17\insrsid5321491\charrsid8015018 icence of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5321491  the Defendant had expired on 8 November 2007 however, under the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid279999 insurance }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5321491 policy a }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid279999 period of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5321491 
thirty days coverage is }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11341597 also }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5321491 provided}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid279999  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\insrsid11341597 for }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid279999 immediately prior to the time of driving}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8015018  at clause 1 (b)}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\insrsid6503223  if the driver had a valid Driver\rquote s Licence}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8015018 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5321491  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid5848878 A perusal of the evidence suggests}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5321491  that the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid279999 thirty days insurance coverage}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\insrsid5321491  available to the Defendant }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6503223 would have }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5321491 expired on }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid12660750 19 November}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5321491 , 2007}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6503223 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5321491  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6503223 T}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11936205 his}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5321491  means the date of the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid16732731 accident falls}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5321491  outside th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11936205 e thirty days }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5321491 
period}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid16732731  as well}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5321491 .  Evidence of Ms. Hazelman and Plaintiff\rquote s Exhibit No. 3 establishes this breach.
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid3087771 
\par [4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid16477078 8}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid3087771 ]\tab Secondly the Defendant breached clause 3 (d) (i) of the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid15892156 
Compulsory Third Insurance P}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid3087771 
olicy since he was under the influence of alcohol when he drove the vehicle which caused the accident.  The Defendant did not challenge the evidence of Police Constable Nale and Plaintiff\rquote s Exhibit No. 1 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid15892156 (the caution interview of the Defendant dated 20 December, 2007) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid3087771 this breach by the Defendant is also established.
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9059147 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1381367 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9059147 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid11363766 4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid16477078 9}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid9059147 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6833158 
The final breach by the Defendant was }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid14685876 of section 16 Motor Vehicles (Third Party Insurance) Act Cap. 177}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12853262 . The requirement of this 
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6767662 section }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid4063975 also }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6767662 forms part of t}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid13070319 he }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid15892156 Compulsory Third Insurance P}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6833158 olicy }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13070319 
issued by the Plaintiff Company. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6767662 Section 16 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11936205 (1) and (3) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6767662 
Motor Vehicles (Third Party Insurance}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid1381367 )}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6767662  Act Cap. 177 states:
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid7362199 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid4526507 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6767662 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid6767662\charrsid4063975 \'93}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid4526507\charrsid4063975 
(1) On the happening of any accident affecting a motor vehicle and resulting in the death of or personal injury to any person, it shall be the duty of the owner, forthwith after such accident}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid1381367 
,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid4526507\charrsid4063975 ...to notify the insurance company of the fact of such accident...
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid11936205 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid1381367 (2)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid11936205 ...}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\insrsid4526507\charrsid4063975 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid15025041 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid4526507\charrsid4063975 \tab (3) }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f40\fs24\insrsid13264933\charrsid4063975 
Neither the owner nor any other person shall, without the written consent of the insurance company, enter upon or incur the expense of litigation as to any matter or thing in respect of which he is indemnified by a contract of insurance under this Act...
\'94  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid4526507\charrsid4063975    }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid6767662\charrsid4063975 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\tx6180\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid15025041 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid15025041 \tab \tab }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f40\fs24\insrsid6767662\charrsid4063975 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid7362199 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13305919 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid16477078 50}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13305919 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13070319 There was }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6833158 a legal }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8399708 and a contractual }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6833158 obligation }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13070319 on the Defendant }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\insrsid4526507 as the owner of the vehicle involved in }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid4063975 an}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid4526507  accident }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid6833158 under section 16 of the Motor Vehicles (Third Party Insurance) Act Cap. 177 to forthwith notify the Plaintiff Company of the accident}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12853262 
 and not to engage his chosen legal}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12853262\charrsid12853262  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12853262 
representative without first obtaining the written consent of the Plaintiff Company}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13070319 . The Defendant }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12853262 did }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\insrsid14685876 not}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid12853262  notify the Plaintiff Company of the accident and }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6767662 also }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\insrsid12853262 he engaged the services of his chosen legal representative without the written consent of the Plaintiff Company. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6767662 
This breach by the Defendant is also established.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid142653 
\par }\pard \ltrpar\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5269315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13976774 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid13976774 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid142653 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f40\fs24\ul\insrsid142653 LAW}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid142653 
\par 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13305919 [5}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid16477078 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid142653 ]\tab The law in respect of breach of}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\insrsid15933633  the terms and conditions of a C}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid142653 o}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid1381367 mpulsory Third Party Insurance P}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\insrsid142653 olicy by an insured has been settled by the Supreme Court }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid15497779 of Fiji }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid142653 in }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f40\fs24\insrsid142653\charrsid142653 Sun Insurance Company Limited vs. Mukesh Chandra }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid142653\charrsid1862977 [2012] FJSC 8; CBV 0007 of 2011 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\insrsid142653\charrsid11936205 (9 May 2012)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid142653  that breach of conditions in an insurance policy }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid1381367 
provided those conditions are not prohibited or restricted under the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid15497779 Motor Vehicles (Third Party Insurance}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid1381367 )}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid15497779  Act Cap. 177 entitles}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid142653  an Insurance Company to avoid liability for indemnity under the policy.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid15497779  At paragraph 21 the Supreme Court made }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid10374265 the following important com}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid15497779 ment}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\insrsid10374265  about }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid10293114 the consequences of a breach of a condition in an insurance policy}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid10374265 :
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid16534757 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid15025041 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid10374265 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\insrsid10374265\charrsid16534757 \'93...}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid9176075\charrsid16534757 
An insurance policy is a contract between the Insurance Company and the Insured and therefore the parties could agree on terms and conditions when taking an in
surance policy provided those conditions are not prohibited or restricted under the said Act. As in any contract any breach of condition }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid16534757\charrsid16534757 
would make the policy invalid. In this instance the policy is in relation to the use of the vehicle, therefore any breach of condition in the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid4353329 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid13976774 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid4353329 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\insrsid16534757\charrsid16534757 use of the vehicle would render the policy invalid as long as the breach continues. If a person using a vehicle breaches a condition of a third }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid4353329 [}
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid16534757\charrsid16534757 party}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid4353329 ]}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid16534757\charrsid16534757 
 insurance policy while using the vehicle,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid16534757  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid16534757\charrsid16534757 he is supposed }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f40\fs24\insrsid16534757 t}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid16534757\charrsid16534757 o be using the vehicle without a third party insurance policy. By such conduct he is not only committing an offence under }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid7605907 S}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid16534757\charrsid16534757 ection 4(2) of the said Act but }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid4353329 he }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid16534757\charrsid16534757 also becomes personally liable for any death or injuries caused to third parties.\'94     }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid9176075\charrsid16534757  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid15497779\charrsid16534757   }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid142653\charrsid16534757 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f40\fs24\insrsid730969\charrsid16534757 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid730969 [5}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid16477078 2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid730969 ]\tab U
pon considering the evidence adduced by the Plaintiff and the law applicable I am satisfied that the Plaintiff has proven its claim on balance of probabilities}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid7605907  against t}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5195711 h}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid7605907 e Defendant}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid730969 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6312929  I }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5337507 also }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid3357064 grant the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6312929 declaratory orders}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid11145747  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid3357064 sought }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5072719 by }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5337507 the }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\insrsid10246725 Plaintiff}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid5337507 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid730969 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid5269315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid730969 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid13976774 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid7362199 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13976774 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid13976774 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13261580\charrsid13261580 [5}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\insrsid7872734 3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13261580\charrsid13261580 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f40\fs24\ul\insrsid8004087 FINAL ORDERS
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13976774 
\par }\pard \ltrpar\qj \fi-540\li1260\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1260\itap0\pararsid13976774 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6233611 a)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid13261580 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid6233611 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid3357064 
It is declared that the Plaintiff was entitled to avoid liability for indemnity under the Third Party Insurance Policy issued to the Defendant}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid10106620  in the circumstances of this case}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid3357064 .
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid10106620 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid3357064 b).\tab It is declared that the Plaintiff was not obliged to indemnify the Defendant against any judgement entered against him due to the Defendant\rquote 
s breach of the terms and conditions of the Compulsory Third Party Insurance Policy issued by the Plaintiff to the Defendant.
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid10106620 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid3357064 c).\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid7544012\charrsid13261580 The Defendant }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11866134\charrsid13261580 is }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid7544012\charrsid13261580 to pay the Plaintiff }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8004087\charrsid13261580 the sum of $44,799.68 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid7544012\charrsid13261580 together }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8004087\charrsid13261580 with }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid7544012\charrsid13261580 interest at the rate of }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid14421280 9}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8004087\charrsid13261580 % }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid7544012\charrsid13261580 per annum}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\insrsid8004087\charrsid13261580  with effect from }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid14843889\charrsid13261580 15}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8004087\charrsid13261580  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid11866134\charrsid13261580 April}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8004087\charrsid13261580 , 2012}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13261580\charrsid13261580 
 till the date of this Judgement}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8004087\charrsid13261580 ;}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8004087 
\par }\pard\plain \ltrpar\s15\qj \fi-540\li1260\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1260\itap0\pararsid13976774\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8004087 
\par }\pard\plain \ltrpar\qj \fi-540\li1260\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1260\itap0\pararsid71341 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid3357064 d}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13976774 ).\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid10569968\charrsid13976774 The }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid8004087\charrsid13976774 Statement of Defence dated }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid7554865\charrsid13976774 28 May}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8004087\charrsid13976774 , 20}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid7554865\charrsid13976774 13}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8004087\charrsid13976774  filed by the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13261580\charrsid13976774        }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid7627035\charrsid13976774     }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8004087\charrsid13976774 Defendant is hereby dismissed and struck out;}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f40\fs24\insrsid4353329\charrsid13976774 
\par }\pard\plain \ltrpar\s15\qj \fi-540\li1260\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1260\itap0\pararsid13976774\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8004087\charrsid8004087 
\par }\pard\plain \ltrpar\qj \fi-540\li1260\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1260\itap0\pararsid4353329 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid4353329 e).\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8004087\charrsid4353329 Post judg}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\insrsid7554865\charrsid4353329 e}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8004087\charrsid4353329 ment statutory interest }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid7554865\charrsid4353329 rate }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8004087\charrsid4353329 applies until full payment is made by the Defendant;
\par }\pard\plain \ltrpar\s15\qj \fi-540\li1260\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1260\itap0\pararsid4353329\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8004087\charrsid8004087 
\par }\pard\plain \ltrpar\qj \fi-540\li1260\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1260\itap0\pararsid4353329 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid4353329 f}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13976774 )}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid4353329 .}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13976774 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid2170709 The }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8004087\charrsid13976774 Defendant }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f40\fs24\insrsid9830629 is }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8004087\charrsid13976774 to pay costs to the Plaintiff summarily assessed }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid7627035\charrsid13976774 at $}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid10569968\charrsid13976774 3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13261580\charrsid13976774 ,000.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid8004087\charrsid13976774 00.}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13305919\charrsid13976774 
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\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\lang2057\langfe1033\langnp2057\insrsid7362199\charrsid7362199 
\par }\pard \ltrpar\qc \fi-720\li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid13976774\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid16478665 \'85\'85\'85\'85..\'85\'85..
\par Sunil Sharma
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f40\fs24\ul\insrsid16478665 JUDGE}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid16478665 
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\f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13305919 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid16478665 At Lautoka
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\f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid13261580 7 February,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f40\fs24\insrsid16478665  2017
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\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f40\fs24\insrsid16478665 M/s. Krishna & Co. for the Plaintiff.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f40\fs24\insrsid13976774 
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\ltrch\fcs0 \b\f40\fs24\insrsid6691776 Khan &}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f40\fs24\insrsid16478665  Associates for the Defendant.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f40\fs24\insrsid7943753 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\insrsid5337507\charrsid7943753 
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