The Supreme Court clarified the liability of insurers by relying on definitions under the Motor Vehicles Act. It established that “contract carriage” vehicles, insured to carry passengers, cannot be treated as goods vehicles—putting the onus squarely on the insurance company to pay claims unless expressly excluded in the policy. This precedent redefines compensation rights and insurance responsibilities for utility vehicles. #SupremeCourt #MotorVehiclesAct #InsuranceCompany