ENOCH YEMOAH & 2 OTHERS vs. STATE INSURANCE COMPANY [2015]DLCA15088

Date	2015-03-05
Suit No.	SUIT NO.: HI/172/2014
Citation No.	[2015]DLCA15088

MARFUL-SAU J.A. (PRESIDING) KORBIEH J. A.TORKORNOO J. A.

ABIGAIL TETTEH FOR DEFENDANT/APPELLANT

NII KPAKPO ADDO FOR PLAINTIFFS/RESPONDENTS

[2015]DLCA15088
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													<main id="main" class="content" style="min-height: 60rem" >ENOCH YEMOAH &amp; 2 OTHERS<o:p></o:p>(PLAINTIFFS/RESPONDENTS)<o:p></o:p>vs.<o:p></o:p>STATE INSURANCE COMPANY<o:p></o:p>(DEFENDANT/APPELLANT)<o:p></o:p>[COURT OF APPEAL, ACCRA]<o:p></o:p>&nbsp;<div style="border-top: none; border-right: none; border-left: none; border-image: initial; border-bottom-width: 1.5pt; border-bottom-color: windowtext; padding: 0in 0in 1pt;">

SUIT NO.: HI/172/2014&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;DATE:
5TH MARCH 2015<o:p></o:p>

</div>CORAM<o:p></o:p>MARFUL-SAU
J.A. (PRESIDING) KORBIEH J. A.TORKORNOO J. A.<o:p></o:p><div style="border-top-width: 1.5pt; border-top-color: windowtext; border-left: none; border-bottom-width: 1.5pt; border-bottom-color: windowtext; border-right: none; padding: 1pt 0in;">

<p class="MsoNormal" align="center" style="margin-bottom:0in;margin-bottom:.0001pt;
text-align:center;border:none;mso-border-top-alt:solid windowtext 1.5pt;
mso-border-bottom-alt:solid windowtext 1.5pt;padding:0in;mso-padding-alt:1.0pt 0in 1.0pt 0in">JUDGEMENT<o:p></o:p>

</div>TORKORNOO,
J. A:<o:p></o:p>Section 8 of the Motor Vehicles (Third Party Insurance) Act 1958, (No. 42 of 1958)
reads <o:p></o:p>SECTION
8 - Duty of insurers to satisfy judgments<o:p></o:p>&nbsp;(1)<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;">&nbsp;&nbsp;
Where
after a certificate of insurance is delivered under subsection (6) of section 4
to the person by whom a policy has been effected, judgment in respect of the
liability as is required to be covered by a policy issued under paragraph (b)
of subsection (1) of section 4, which is a liability covered by the terms of
the policy, is obtained against&nbsp; a person
insured by the policy then, although the
insurer may be entitled to avoid or cancel or may have avoided or cancelled the
policy, the insurer shall subject to this section, pay to the persons entitled
to the benefit of the judgment of the sum of money payable in respect of the
liability including the sum payable in respect of costs and the sums
payable by virtue of an enactment in respect of interest on that sum or
judgment (emphasis mine).<o:p></o:p>&nbsp;(2)<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;">&nbsp;&nbsp;
A sum
of money shall not be payable by an insurer under subsection (1)<o:p></o:p>&nbsp;a.<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;">&nbsp;&nbsp;&nbsp;&nbsp;
In
respect of judgment, unless before or within fourteen days after the
commencement of the proceedings in which the judgment was given, the insurer
had notice of the bringing of the proceedings; <o:p></o:p>&nbsp;b.<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;">&nbsp;&nbsp;&nbsp;&nbsp;
In
respect of a judgment so long as execution on the judgment is stayed pending
appeal; or<o:p></o:p>&nbsp;