Supreme Court Upholds ‘Pay and Recover’ Principle; Insurer Must Pay Claimant Despite Policy Breach

The Supreme Court of India, in a judgment delivered on November 10, 2025, affirmed the ‘pay and recover’ principle, directing an insurance company to pay compensation to a motor accident claimant despite a clear breach of the insurance policy by the vehicle owner. The Court, comprising Justice Sanjay Karol and Justice Manoj Misra, held that

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