AKORTSU vs. STATE INSURANCE CORPORATION [1972]DLHC2191

Date	1972-02-29
Suit No.
Citation No.	[1972]DLHC2191

FRANCOIS J.

I. N. K. WUAKU FOR THE PLAINTIFF.

NUTSUGA FOR ACKUAKO FOR THE DEFENDANTS.

<p class="mb-5" id="contentDlCitation"  hidden>[1972]DLHC2191</p>
																																						<div class="restriction-wrapper">
														<div class="container-lg">
															<div class="row">
																<div class="col-md-12 restricted-content">
																	<div class="restricted-content-img-wrapper">
																		<div class="lock-icon bounce-7">
																			<img class=""
																				src="https://www.dennislawgh.com/dl-assets/dl-images/lock-content.png"
																				alt="Subscription based content">
																		</div>
																	</div>
																	 
																		<a href="https://www.dennislawgh.com/login"
																		class="btn btn-primary btn-lg"
																		style="font-family: 'open sans'; text-transform: capitalize;  border-radius: 8px"> 
																		Login to Read Full Case </a>
																	 
																	
																</div>
															</div>
														</div>
													</div>
													<main id="main" class="content" style="min-height: 60rem" ><span style="font-size: 18px !important;"><span style="font-size: 18px !important;"><span style="font-size: 18px !important;"><p class="MsoNormal" align="center" style="margin-bottom: 5pt; text-align: center; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><b><span lang="en-GH" style="font-size:12.0pt;
font-family:&quot;Book Antiqua&quot;,serif;mso-fareast-font-family:&quot;Times New Roman&quot;;
mso-bidi-font-family:Helvetica;color:#548DD4;mso-fareast-language:#0C00">AKORTSU</span></b><span lang="en-GH" style="font-size: 12pt; font-family: &quot;Book Antiqua&quot;, serif;"><o:p></o:p></span></p><p class="MsoNormal" align="center" style="margin-bottom: 5pt; text-align: center; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><b><span lang="en-GH" style="font-size:12.0pt;
font-family:&quot;Book Antiqua&quot;,serif;mso-fareast-font-family:&quot;Times New Roman&quot;;
mso-bidi-font-family:Helvetica;color:#548DD4;mso-fareast-language:#0C00">vs.</span></b><span lang="en-GH" style="font-size: 12pt; font-family: &quot;Book Antiqua&quot;, serif;"><o:p></o:p></span></p><p class="MsoNormal" align="center" style="margin-bottom: 5pt; text-align: center; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><b><span lang="en-GH" style="font-size:12.0pt;
font-family:&quot;Book Antiqua&quot;,serif;mso-fareast-font-family:&quot;Times New Roman&quot;;
mso-bidi-font-family:Helvetica;color:#548DD4;mso-fareast-language:#0C00">STATE
INSURANCE CORPORATION</span></b><span lang="en-GH" style="font-size: 12pt; font-family: &quot;Book Antiqua&quot;, serif;"><o:p></o:p></span></p><p class="MsoNormal" align="center" style="margin-bottom: 5pt; text-align: center; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span lang="en-GH" style="font-size: 10pt; font-family: &quot;Book Antiqua&quot;, serif;">[HIGH
COURT, HO]<o:p></o:p></span></p><div style="border-top: none; border-right: none; border-left: none; border-image: initial; border-bottom: 1.5pt solid windowtext; padding: 0cm 0cm 1pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">

<p class="MsoNormal" align="center" style="margin-bottom: 5pt; text-align: center; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; border: none; padding: 0cm;"><b><span lang="en-GH" style="font-size: 10pt; font-family: &quot;Book Antiqua&quot;, serif;">[1972] 2 GLR 22</span></b><span lang="EN-US" style="font-size: 10pt; font-family: &quot;Book Antiqua&quot;, serif;">&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;</span><i><span lang="en-GH" style="font-size: 10pt; font-family: &quot;Book Antiqua&quot;, serif;">DATE:</span></i><b><span lang="en-GH" style="font-size:10.0pt;font-family:
&quot;Book Antiqua&quot;,serif;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:
Helvetica;color:#00B0F0;mso-fareast-language:#0C00">&nbsp;</span></b><span lang="en-GH" style="font-size: 10pt; font-family: &quot;Book Antiqua&quot;, serif;">29 FEBRUARY 1972.<o:p></o:p></span></p>

</div><p class="MsoNormal" style="margin-bottom: 5pt; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span lang="en-GH" style="font-size: 12pt; font-family: &quot;Book Antiqua&quot;, serif;"><b>COUNSEL:&nbsp;&nbsp;</b></span><span lang="EN-US" style="font-size: 12pt; font-family: &quot;Book Antiqua&quot;, serif;"><o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 7.5pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span lang="en-GH" style="font-size: 12pt; font-family: &quot;Book Antiqua&quot;, serif;">I. N. K. WUAKU FOR THE
PLAINTIFF.<o:p></o:p></span></p><div style="border-top: none; border-right: none; border-left: none; border-image: initial; border-bottom: 1.5pt solid windowtext; padding: 0cm 0cm 1pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">

<p class="MsoNormal" style="margin-bottom: 7.5pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; border: none; padding: 0cm;"><span lang="en-GH" style="font-size: 12pt; font-family: &quot;Book Antiqua&quot;, serif;">NUTSUGA FOR ACKUAKO FOR THE DEFENDANTS.<o:p></o:p></span></p>

</div><p class="MsoNormal" style="margin-bottom: 7.5pt; line-height: 15.55pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><b><span lang="en-GH" style="font-size: 12pt; font-family: &quot;Book Antiqua&quot;, serif;">CORAM:</span></b><span lang="en-GH" style="font-size: 12pt; font-family: &quot;Book Antiqua&quot;, serif;"><o:p></o:p></span></p><div style="border-top: none; border-right: none; border-left: none; border-image: initial; border-bottom: 1.5pt solid windowtext; padding: 0cm 0cm 1pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">

<p class="MsoNormal" style="margin-bottom: 6pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; border: none; padding: 0cm;"><b><span lang="en-GH" style="font-size: 12pt; font-family: &quot;Book Antiqua&quot;, serif;">FRANCOIS J<o:p></o:p></span></b></p>

</div><p class="MsoNormal" style="margin-bottom: 5pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><b><span lang="EN-US" style="font-size: 12pt; font-family: &quot;Book Antiqua&quot;, serif;"><o:p>&nbsp;</o:p></span></b></p><p class="MsoNormal" style="margin-bottom: 5pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><b><span lang="en-GH" style="font-size: 12pt; font-family: &quot;Book Antiqua&quot;, serif;">JUDGMENT
OF FRANCOIS J.</span></b><span lang="en-GH" style="font-size: 12pt; font-family: &quot;Book Antiqua&quot;, serif;"><o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 5pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span lang="en-GH" style="font-size: 12pt; font-family: &quot;Book Antiqua&quot;, serif;">This action was instituted by
the plaintiff against the defendants under section 10 of the Motor Vehicles
(Third Party Insurance) Act, 1958 (No. 42 of 1958), to recover damages awarded
her in a running down action previously brought against the alleged assured of
the defendants (hereinafter referred to as the tortfeasor). Though a number of
issues were set down for trial, it was narrowed by consent to the single issue,
namely, whether the policy or certificate allegedly issued by the defendants
covered the tortfeasor and consequently made the defendants liable to the
plaintiff to satisfy the damages awarded her.<o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 5pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span lang="en-GH" style="font-size: 12pt; font-family: &quot;Book Antiqua&quot;, serif;">&nbsp;<o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 5pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span lang="en-GH" style="font-size: 12pt; font-family: &quot;Book Antiqua&quot;, serif;">The facts of this case are
that the tortfeasor obtained a certificate of insurance through the plaintiff’s
first witness, Isaac Newton Yaw Ayiku. The vehicle involved was ER 1354. The
sum paid for insuring it was ¢120.00; and the certificate in respect of the
vehicle was numbered 240296. The plaintiff’s first witness claimed that he was
given nothing besides the certificate but was told that the policy would be
subsequently posted to him. The receipt for the sum paid was however not
produced; nor was it explained why the plaintiff’s first witness an illiterate,
who had previously not conducted any business with the defendants, should have
been selected to effect this transaction in preference to the tortfeasor
herself or her driver. This witness also exposed his ignorance of insurance
procedure when he claimed acquaintance with the methods adopted by the Royal
Exchange Assurance which required no forms to be filled before a policy was
issued.<o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 5pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span lang="en-GH" style="font-size: 12pt; font-family: &quot;Book Antiqua&quot;, serif;">Apart from putting in exhibit
A the certificate already referred to, exhibit B a judgment awarding damages
against the tortfeasor, and exhibit C a judgment of the magistra</main>