Question Description
Directions: Read the following passage and answer the question.Insurance is a contract between two persons, an insurer and insured; it is where one person indemnifies the other on payment of consideration which is the premium in the event of happening of uncertain events. There are many kinds of insurances and motor vehicles insurance is one of them and is governed by the Motor Vehicles Act 1939. Every vehicle plying on road has to have compulsory third party insurance so that the insurance company can indemnify the insured against the claims made by the injured person. This was done so that the injured person should not suffer in case the motorist fails to pay to the injured. Under such situations the insurer indemnifies the insured against his liability to third parties. It is known as third party insurance because the beneficiary in this insurance is someone other than the insured and insurer. The liability is fastened on the insurer, and it is unlimited liability in case death or bodily harm is suffered by the third party. Third party insurance is a compulsory insurance under a statute and no person shall use a motor vehicle, except as a passenger, in a public place unless unless there is a policy of insurance complying with the requirements of the MV Act. This has been made amply clear by section 146(1) of the motor vehicles Act, 1988. It will be applicable even when the vehicle is stationary and not moving. The use does not cease on vehicle being immobile or defective. The third party insurance should be from an authorized insurer who is carrying on motor insurance business in India. Third party insurance does not cover injuries to the insured himself but to the rest of the world who is injured by the insured. However, Gratuitous passengers too are not covered under third party insurance as that would render superfluous the intention of the legislature which has taken within its purview the owner of the goods or his authorized representative carried in the vehicle. Also, the persons traveling in a goods vehicle except owner of the goods or his authorised representative would not be covered by the compulsory third party insurance. Regarding transferability of third party insurance it was held in the year 1980 that motor vehicle insurance being a personal contract, the insured cannot transferred the benefits under the policy without the consent of the insurer, or unless there is a stipulation in the policy itself.[Extracted, with edits and revisions, from, International Journal of Legal Develpoments Insurance of Motor Vehicles against Third Party Risks - Written by Sonia Maan, thelawbrigade.]Q.X, a Maharashtrian, was on his own and traveling across Himachal Pradesh. He was hitchhiking from one neighborhood to another. He once overheard a truck driver saying that his vehicle was headed to Manali from Mandi, so he requested him to take him along. As the lorry was fully filled with sacks of cement, the truck driver ordered X to arrange to sit on the terrace of the cabin while he traveled with his two buddies. X consented to carry out this. The driver abruptly hit the brakes while traveling downhill on a curve, causing X to tumble into the trench ahead of the curve. X was discovered dead, hanging from a tree. Parents of X filed a claim for compensation with the trucks insurer. Decide.a)Claim is not admissible.b)Since X was traveling on the terrace of the cabin when he fell into the ditch, it was the drivers negligence that made him accountable for reimbursement, not the insurance company.c)Both the compensation requested and the insurance sum will be paid out.d)The claim will be paid out, but with equal contributions from the truck driver and the insurance provider.Correct answer is option 'A'. Can you explain this answer? for CLAT 2024 is part of CLAT preparation. The Question and answers have been prepared according to the CLAT exam syllabus. Information about Directions: Read the following passage and answer the question.Insurance is a contract between two persons, an insurer and insured; it is where one person indemnifies the other on payment of consideration which is the premium in the event of happening of uncertain events. There are many kinds of insurances and motor vehicles insurance is one of them and is governed by the Motor Vehicles Act 1939. Every vehicle plying on road has to have compulsory third party insurance so that the insurance company can indemnify the insured against the claims made by the injured person. This was done so that the injured person should not suffer in case the motorist fails to pay to the injured. Under such situations the insurer indemnifies the insured against his liability to third parties. It is known as third party insurance because the beneficiary in this insurance is someone other than the insured and insurer. The liability is fastened on the insurer, and it is unlimited liability in case death or bodily harm is suffered by the third party. Third party insurance is a compulsory insurance under a statute and no person shall use a motor vehicle, except as a passenger, in a public place unless unless there is a policy of insurance complying with the requirements of the MV Act. This has been made amply clear by section 146(1) of the motor vehicles Act, 1988. It will be applicable even when the vehicle is stationary and not moving. The use does not cease on vehicle being immobile or defective. The third party insurance should be from an authorized insurer who is carrying on motor insurance business in India. Third party insurance does not cover injuries to the insured himself but to the rest of the world who is injured by the insured. However, Gratuitous passengers too are not covered under third party insurance as that would render superfluous the intention of the legislature which has taken within its purview the owner of the goods or his authorized representative carried in the vehicle. Also, the persons traveling in a goods vehicle except owner of the goods or his authorised representative would not be covered by the compulsory third party insurance. Regarding transferability of third party insurance it was held in the year 1980 that motor vehicle insurance being a personal contract, the insured cannot transferred the benefits under the policy without the consent of the insurer, or unless there is a stipulation in the policy itself.[Extracted, with edits and revisions, from, International Journal of Legal Develpoments Insurance of Motor Vehicles against Third Party Risks - Written by Sonia Maan, thelawbrigade.]Q.X, a Maharashtrian, was on his own and traveling across Himachal Pradesh. He was hitchhiking from one neighborhood to another. He once overheard a truck driver saying that his vehicle was headed to Manali from Mandi, so he requested him to take him along. As the lorry was fully filled with sacks of cement, the truck driver ordered X to arrange to sit on the terrace of the cabin while he traveled with his two buddies. X consented to carry out this. The driver abruptly hit the brakes while traveling downhill on a curve, causing X to tumble into the trench ahead of the curve. X was discovered dead, hanging from a tree. Parents of X filed a claim for compensation with the trucks insurer. Decide.a)Claim is not admissible.b)Since X was traveling on the terrace of the cabin when he fell into the ditch, it was the drivers negligence that made him accountable for reimbursement, not the insurance company.c)Both the compensation requested and the insurance sum will be paid out.d)The claim will be paid out, but with equal contributions from the truck driver and the insurance provider.Correct answer is option 'A'. Can you explain this answer? covers all topics & solutions for CLAT 2024 Exam. Find important definitions, questions, meanings, examples, exercises and tests below for Directions: Read the following passage and answer the question.Insurance is a contract between two persons, an insurer and insured; it is where one person indemnifies the other on payment of consideration which is the premium in the event of happening of uncertain events. There are many kinds of insurances and motor vehicles insurance is one of them and is governed by the Motor Vehicles Act 1939. Every vehicle plying on road has to have compulsory third party insurance so that the insurance company can indemnify the insured against the claims made by the injured person. This was done so that the injured person should not suffer in case the motorist fails to pay to the injured. Under such situations the insurer indemnifies the insured against his liability to third parties. It is known as third party insurance because the beneficiary in this insurance is someone other than the insured and insurer. The liability is fastened on the insurer, and it is unlimited liability in case death or bodily harm is suffered by the third party. Third party insurance is a compulsory insurance under a statute and no person shall use a motor vehicle, except as a passenger, in a public place unless unless there is a policy of insurance complying with the requirements of the MV Act. This has been made amply clear by section 146(1) of the motor vehicles Act, 1988. It will be applicable even when the vehicle is stationary and not moving. The use does not cease on vehicle being immobile or defective. The third party insurance should be from an authorized insurer who is carrying on motor insurance business in India. Third party insurance does not cover injuries to the insured himself but to the rest of the world who is injured by the insured. However, Gratuitous passengers too are not covered under third party insurance as that would render superfluous the intention of the legislature which has taken within its purview the owner of the goods or his authorized representative carried in the vehicle. Also, the persons traveling in a goods vehicle except owner of the goods or his authorised representative would not be covered by the compulsory third party insurance. Regarding transferability of third party insurance it was held in the year 1980 that motor vehicle insurance being a personal contract, the insured cannot transferred the benefits under the policy without the consent of the insurer, or unless there is a stipulation in the policy itself.[Extracted, with edits and revisions, from, International Journal of Legal Develpoments Insurance of Motor Vehicles against Third Party Risks - Written by Sonia Maan, thelawbrigade.]Q.X, a Maharashtrian, was on his own and traveling across Himachal Pradesh. He was hitchhiking from one neighborhood to another. He once overheard a truck driver saying that his vehicle was headed to Manali from Mandi, so he requested him to take him along. As the lorry was fully filled with sacks of cement, the truck driver ordered X to arrange to sit on the terrace of the cabin while he traveled with his two buddies. X consented to carry out this. The driver abruptly hit the brakes while traveling downhill on a curve, causing X to tumble into the trench ahead of the curve. X was discovered dead, hanging from a tree. Parents of X filed a claim for compensation with the trucks insurer. Decide.a)Claim is not admissible.b)Since X was traveling on the terrace of the cabin when he fell into the ditch, it was the drivers negligence that made him accountable for reimbursement, not the insurance company.c)Both the compensation requested and the insurance sum will be paid out.d)The claim will be paid out, but with equal contributions from the truck driver and the insurance provider.Correct answer is option 'A'. Can you explain this answer?.

Solutions for Directions: Read the following passage and answer the question.Insurance is a contract between two persons, an insurer and insured; it is where one person indemnifies the other on payment of consideration which is the premium in the event of happening of uncertain events. There are many kinds of insurances and motor vehicles insurance is one of them and is governed by the Motor Vehicles Act 1939. Every vehicle plying on road has to have compulsory third party insurance so that the insurance company can indemnify the insured against the claims made by the injured person. This was done so that the injured person should not suffer in case the motorist fails to pay to the injured. Under such situations the insurer indemnifies the insured against his liability to third parties. It is known as third party insurance because the beneficiary in this insurance is someone other than the insured and insurer. The liability is fastened on the insurer, and it is unlimited liability in case death or bodily harm is suffered by the third party. Third party insurance is a compulsory insurance under a statute and no person shall use a motor vehicle, except as a passenger, in a public place unless unless there is a policy of insurance complying with the requirements of the MV Act. This has been made amply clear by section 146(1) of the motor vehicles Act, 1988. It will be applicable even when the vehicle is stationary and not moving. The use does not cease on vehicle being immobile or defective. The third party insurance should be from an authorized insurer who is carrying on motor insurance business in India. Third party insurance does not cover injuries to the insured himself but to the rest of the world who is injured by the insured. However, Gratuitous passengers too are not covered under third party insurance as that would render superfluous the intention of the legislature which has taken within its purview the owner of the goods or his authorized representative carried in the vehicle. Also, the persons traveling in a goods vehicle except owner of the goods or his authorised representative would not be covered by the compulsory third party insurance. Regarding transferability of third party insurance it was held in the year 1980 that motor vehicle insurance being a personal contract, the insured cannot transferred the benefits under the policy without the consent of the insurer, or unless there is a stipulation in the policy itself.[Extracted, with edits and revisions, from, International Journal of Legal Develpoments Insurance of Motor Vehicles against Third Party Risks - Written by Sonia Maan, thelawbrigade.]Q.X, a Maharashtrian, was on his own and traveling across Himachal Pradesh. He was hitchhiking from one neighborhood to another. He once overheard a truck driver saying that his vehicle was headed to Manali from Mandi, so he requested him to take him along. As the lorry was fully filled with sacks of cement, the truck driver ordered X to arrange to sit on the terrace of the cabin while he traveled with his two buddies. X consented to carry out this. The driver abruptly hit the brakes while traveling downhill on a curve, causing X to tumble into the trench ahead of the curve. X was discovered dead, hanging from a tree. Parents of X filed a claim for compensation with the trucks insurer. Decide.a)Claim is not admissible.b)Since X was traveling on the terrace of the cabin when he fell into the ditch, it was the drivers negligence that made him accountable for reimbursement, not the insurance company.c)Both the compensation requested and the insurance sum will be paid out.d)The claim will be paid out, but with equal contributions from the truck driver and the insurance provider.Correct answer is option 'A'. Can you explain this answer? in English & in Hindi are available as part of our courses for CLAT. Download more important topics, notes, lectures and mock test series for CLAT Exam by signing up for free.

Here you can find the meaning of Directions: Read the following passage and answer the question.Insurance is a contract between two persons, an insurer and insured; it is where one person indemnifies the other on payment of consideration which is the premium in the event of happening of uncertain events. There are many kinds of insurances and motor vehicles insurance is one of them and is governed by the Motor Vehicles Act 1939. Every vehicle plying on road has to have compulsory third party insurance so that the insurance company can indemnify the insured against the claims made by the injured person. This was done so that the injured person should not suffer in case the motorist fails to pay to the injured. Under such situations the insurer indemnifies the insured against his liability to third parties. It is known as third party insurance because the beneficiary in this insurance is someone other than the insured and insurer. The liability is fastened on the insurer, and it is unlimited liability in case death or bodily harm is suffered by the third party. Third party insurance is a compulsory insurance under a statute and no person shall use a motor vehicle, except as a passenger, in a public place unless unless there is a policy of insurance complying with the requirements of the MV Act. This has been made amply clear by section 146(1) of the motor vehicles Act, 1988. It will be applicable even when the vehicle is stationary and not moving. The use does not cease on vehicle being immobile or defective. The third party insurance should be from an authorized insurer who is carrying on motor insurance business in India. Third party insurance does not cover injuries to the insured himself but to the rest of the world who is injured by the insured. However, Gratuitous passengers too are not covered under third party insurance as that would render superfluous the intention of the legislature which has taken within its purview the owner of the goods or his authorized representative carried in the vehicle. Also, the persons traveling in a goods vehicle except owner of the goods or his authorised representative would not be covered by the compulsory third party insurance. Regarding transferability of third party insurance it was held in the year 1980 that motor vehicle insurance being a personal contract, the insured cannot transferred the benefits under the policy without the consent of the insurer, or unless there is a stipulation in the policy itself.[Extracted, with edits and revisions, from, International Journal of Legal Develpoments Insurance of Motor Vehicles against Third Party Risks - Written by Sonia Maan, thelawbrigade.]Q.X, a Maharashtrian, was on his own and traveling across Himachal Pradesh. He was hitchhiking from one neighborhood to another. He once overheard a truck driver saying that his vehicle was headed to Manali from Mandi, so he requested him to take him along. As the lorry was fully filled with sacks of cement, the truck driver ordered X to arrange to sit on the terrace of the cabin while he traveled with his two buddies. X consented to carry out this. The driver abruptly hit the brakes while traveling downhill on a curve, causing X to tumble into the trench ahead of the curve. X was discovered dead, hanging from a tree. Parents of X filed a claim for compensation with the trucks insurer. Decide.a)Claim is not admissible.b)Since X was traveling on the terrace of the cabin when he fell into the ditch, it was the drivers negligence that made him accountable for reimbursement, not the insurance company.c)Both the compensation requested and the insurance sum will be paid out.d)The claim will be paid out, but with equal contributions from the truck driver and the insurance provider.Correct answer is option 'A'. Can you explain this answer? defined & explained in the simplest way possible. Besides giving the explanation of Directions: Read the following passage and answer the question.Insurance is a contract between two persons, an insurer and insured; it is where one person indemnifies the other on payment of consideration which is the premium in the event of happening of uncertain events. There are many kinds of insurances and motor vehicles insurance is one of them and is governed by the Motor Vehicles Act 1939. Every vehicle plying on road has to have compulsory third party insurance so that the insurance company can indemnify the insured against the claims made by the injured person. This was done so that the injured person should not suffer in case the motorist fails to pay to the injured. Under such situations the insurer indemnifies the insured against his liability to third parties. It is known as third party insurance because the beneficiary in this insurance is someone other than the insured and insurer. The liability is fastened on the insurer, and it is unlimited liability in case death or bodily harm is suffered by the third party. Third party insurance is a compulsory insurance under a statute and no person shall use a motor vehicle, except as a passenger, in a public place unless unless there is a policy of insurance complying with the requirements of the MV Act. This has been made amply clear by section 146(1) of the motor vehicles Act, 1988. It will be applicable even when the vehicle is stationary and not moving. The use does not cease on vehicle being immobile or defective. The third party insurance should be from an authorized insurer who is carrying on motor insurance business in India. Third party insurance does not cover injuries to the insured himself but to the rest of the world who is injured by the insured. However, Gratuitous passengers too are not covered under third party insurance as that would render superfluous the intention of the legislature which has taken within its purview the owner of the goods or his authorized representative carried in the vehicle. Also, the persons traveling in a goods vehicle except owner of the goods or his authorised representative would not be covered by the compulsory third party insurance. Regarding transferability of third party insurance it was held in the year 1980 that motor vehicle insurance being a personal contract, the insured cannot transferred the benefits under the policy without the consent of the insurer, or unless there is a stipulation in the policy itself.[Extracted, with edits and revisions, from, International Journal of Legal Develpoments Insurance of Motor Vehicles against Third Party Risks - Written by Sonia Maan, thelawbrigade.]Q.X, a Maharashtrian, was on his own and traveling across Himachal Pradesh. He was hitchhiking from one neighborhood to another. He once overheard a truck driver saying that his vehicle was headed to Manali from Mandi, so he requested him to take him along. As the lorry was fully filled with sacks of cement, the truck driver ordered X to arrange to sit on the terrace of the cabin while he traveled with his two buddies. X consented to carry out this. The driver abruptly hit the brakes while traveling downhill on a curve, causing X to tumble into the trench ahead of the curve. X was discovered dead, hanging from a tree. Parents of X filed a claim for compensation with the trucks insurer. Decide.a)Claim is not admissible.b)Since X was traveling on the terrace of the cabin when he fell into the ditch, it was the drivers negligence that made him accountable for reimbursement, not the insurance company.c)Both the compensation requested and the insurance sum will be paid out.d)The claim will be paid out, but with equal contributions from the truck driver and the insurance provider.Correct answer is option 'A'. Can you explain this answer?, a detailed solution for Directions: Read the following passage and answer the question.Insurance is a contract between two persons, an insurer and insured; it is where one person indemnifies the other on payment of consideration which is the premium in the event of happening of uncertain events. There are many kinds of insurances and motor vehicles insurance is one of them and is governed by the Motor Vehicles Act 1939. Every vehicle plying on road has to have compulsory third party insurance so that the insurance company can indemnify the insured against the claims made by the injured person. This was done so that the injured person should not suffer in case the motorist fails to pay to the injured. Under such situations the insurer indemnifies the insured against his liability to third parties. It is known as third party insurance because the beneficiary in this insurance is someone other than the insured and insurer. The liability is fastened on the insurer, and it is unlimited liability in case death or bodily harm is suffered by the third party. Third party insurance is a compulsory insurance under a statute and no person shall use a motor vehicle, except as a passenger, in a public place unless unless there is a policy of insurance complying with the requirements of the MV Act. This has been made amply clear by section 146(1) of the motor vehicles Act, 1988. It will be applicable even when the vehicle is stationary and not moving. The use does not cease on vehicle being immobile or defective. The third party insurance should be from an authorized insurer who is carrying on motor insurance business in India. Third party insurance does not cover injuries to the insured himself but to the rest of the world who is injured by the insured. However, Gratuitous passengers too are not covered under third party insurance as that would render superfluous the intention of the legislature which has taken within its purview the owner of the goods or his authorized representative carried in the vehicle. Also, the persons traveling in a goods vehicle except owner of the goods or his authorised representative would not be covered by the compulsory third party insurance. Regarding transferability of third party insurance it was held in the year 1980 that motor vehicle insurance being a personal contract, the insured cannot transferred the benefits under the policy without the consent of the insurer, or unless there is a stipulation in the policy itself.[Extracted, with edits and revisions, from, International Journal of Legal Develpoments Insurance of Motor Vehicles against Third Party Risks - Written by Sonia Maan, thelawbrigade.]Q.X, a Maharashtrian, was on his own and traveling across Himachal Pradesh. He was hitchhiking from one neighborhood to another. He once overheard a truck driver saying that his vehicle was headed to Manali from Mandi, so he requested him to take him along. As the lorry was fully filled with sacks of cement, the truck driver ordered X to arrange to sit on the terrace of the cabin while he traveled with his two buddies. X consented to carry out this. The driver abruptly hit the brakes while traveling downhill on a curve, causing X to tumble into the trench ahead of the curve. X was discovered dead, hanging from a tree. Parents of X filed a claim for compensation with the trucks insurer. Decide.a)Claim is not admissible.b)Since X was traveling on the terrace of the cabin when he fell into the ditch, it was the drivers negligence that made him accountable for reimbursement, not the insurance company.c)Both the compensation requested and the insurance sum will be paid out.d)The claim will be paid out, but with equal contributions from the truck driver and the insurance provider.Correct answer is option 'A'. Can you explain this answer? has been provided alongside types of Directions: Read the following passage and answer the question.Insurance is a contract between two persons, an insurer and insured; it is where one person indemnifies the other on payment of consideration which is the premium in the event of happening of uncertain events. There are many kinds of insurances and motor vehicles insurance is one of them and is governed by the Motor Vehicles Act 1939. Every vehicle plying on road has to have compulsory third party insurance so that the insurance company can indemnify the insured against the claims made by the injured person. This was done so that the injured person should not suffer in case the motorist fails to pay to the injured. Under such situations the insurer indemnifies the insured against his liability to third parties. It is known as third party insurance because the beneficiary in this insurance is someone other than the insured and insurer. The liability is fastened on the insurer, and it is unlimited liability in case death or bodily harm is suffered by the third party. Third party insurance is a compulsory insurance under a statute and no person shall use a motor vehicle, except as a passenger, in a public place unless unless there is a policy of insurance complying with the requirements of the MV Act. This has been made amply clear by section 146(1) of the motor vehicles Act, 1988. It will be applicable even when the vehicle is stationary and not moving. The use does not cease on vehicle being immobile or defective. The third party insurance should be from an authorized insurer who is carrying on motor insurance business in India. Third party insurance does not cover injuries to the insured himself but to the rest of the world who is injured by the insured. However, Gratuitous passengers too are not covered under third party insurance as that would render superfluous the intention of the legislature which has taken within its purview the owner of the goods or his authorized representative carried in the vehicle. Also, the persons traveling in a goods vehicle except owner of the goods or his authorised representative would not be covered by the compulsory third party insurance. Regarding transferability of third party insurance it was held in the year 1980 that motor vehicle insurance being a personal contract, the insured cannot transferred the benefits under the policy without the consent of the insurer, or unless there is a stipulation in the policy itself.[Extracted, with edits and revisions, from, International Journal of Legal Develpoments Insurance of Motor Vehicles against Third Party Risks - Written by Sonia Maan, thelawbrigade.]Q.X, a Maharashtrian, was on his own and traveling across Himachal Pradesh. He was hitchhiking from one neighborhood to another. He once overheard a truck driver saying that his vehicle was headed to Manali from Mandi, so he requested him to take him along. As the lorry was fully filled with sacks of cement, the truck driver ordered X to arrange to sit on the terrace of the cabin while he traveled with his two buddies. X consented to carry out this. The driver abruptly hit the brakes while traveling downhill on a curve, causing X to tumble into the trench ahead of the curve. X was discovered dead, hanging from a tree. Parents of X filed a claim for compensation with the trucks insurer. Decide.a)Claim is not admissible.b)Since X was traveling on the terrace of the cabin when he fell into the ditch, it was the drivers negligence that made him accountable for reimbursement, not the insurance company.c)Both the compensation requested and the insurance sum will be paid out.d)The claim will be paid out, but with equal contributions from the truck driver and the insurance provider.Correct answer is option 'A'. Can you explain this answer? theory, EduRev gives you an ample number of questions to practice Directions: Read the following passage and answer the question.Insurance is a contract between two persons, an insurer and insured; it is where one person indemnifies the other on payment of consideration which is the premium in the event of happening of uncertain events. There are many kinds of insurances and motor vehicles insurance is one of them and is governed by the Motor Vehicles Act 1939. Every vehicle plying on road has to have compulsory third party insurance so that the insurance company can indemnify the insured against the claims made by the injured person. This was done so that the injured person should not suffer in case the motorist fails to pay to the injured. Under such situations the insurer indemnifies the insured against his liability to third parties. It is known as third party insurance because the beneficiary in this insurance is someone other than the insured and insurer. The liability is fastened on the insurer, and it is unlimited liability in case death or bodily harm is suffered by the third party. Third party insurance is a compulsory insurance under a statute and no person shall use a motor vehicle, except as a passenger, in a public place unless unless there is a policy of insurance complying with the requirements of the MV Act. This has been made amply clear by section 146(1) of the motor vehicles Act, 1988. It will be applicable even when the vehicle is stationary and not moving. The use does not cease on vehicle being immobile or defective. The third party insurance should be from an authorized insurer who is carrying on motor insurance business in India. Third party insurance does not cover injuries to the insured himself but to the rest of the world who is injured by the insured. However, Gratuitous passengers too are not covered under third party insurance as that would render superfluous the intention of the legislature which has taken within its purview the owner of the goods or his authorized representative carried in the vehicle. Also, the persons traveling in a goods vehicle except owner of the goods or his authorised representative would not be covered by the compulsory third party insurance. Regarding transferability of third party insurance it was held in the year 1980 that motor vehicle insurance being a personal contract, the insured cannot transferred the benefits under the policy without the consent of the insurer, or unless there is a stipulation in the policy itself.[Extracted, with edits and revisions, from, International Journal of Legal Develpoments Insurance of Motor Vehicles against Third Party Risks - Written by Sonia Maan, thelawbrigade.]Q.X, a Maharashtrian, was on his own and traveling across Himachal Pradesh. He was hitchhiking from one neighborhood to another. He once overheard a truck driver saying that his vehicle was headed to Manali from Mandi, so he requested him to take him along. As the lorry was fully filled with sacks of cement, the truck driver ordered X to arrange to sit on the terrace of the cabin while he traveled with his two buddies. X consented to carry out this. The driver abruptly hit the brakes while traveling downhill on a curve, causing X to tumble into the trench ahead of the curve. X was discovered dead, hanging from a tree. Parents of X filed a claim for compensation with the trucks insurer. Decide.a)Claim is not admissible.b)Since X was traveling on the terrace of the cabin when he fell into the ditch, it was the drivers negligence that made him accountable for reimbursement, not the insurance company.c)Both the compensation requested and the insurance sum will be paid out.d)The claim will be paid out, but with equal contributions from the truck driver and the insurance provider.Correct answer is option 'A'. Can you explain this answer? tests, examples and also practice CLAT tests.