GHANA UNION ASSURANCE LIMITED vs. SAMIVA LIMITED [2016]DLHC11834

Date	2016-02-19
Suit No.	SUIT NO. AC 425/2011
Citation No.	[2016]DLHC11834

HER LADYSHIP NOVISI AFUA ARYENE (MRS.)

JOYLENE FAYORSEY MANTE ESQ. BEIGN LED BY OFOSU BOATENG ESQ. FOR PLAINTIFF

CYNTHIA OPARE ESQ. HOLDING BRIEF FOR E. K. AMOAH-SEKYI ESQ. FOR DEFENDANT

[2016]DLHC11834
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													<main id="main" class="content" style="min-height: 60rem" >GHANA UNION ASSURANCE LIMITED <o:p></o:p>(PLAINTIFF)<o:p></o:p>vs.<o:p></o:p><a name="_heading=h.gjdgxs"></a>SAMIVA LIMITED <o:p></o:p>(DEFENDANT)<o:p></o:p>[HIGH COURT, 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: black; padding: 0cm 0cm 1pt;">

<p class="MsoNormal" style="margin-bottom:0cm;margin-bottom:.0001pt;text-align:
justify;line-height:normal;border:none;mso-border-bottom-alt:solid black 1.5pt;
padding:0cm;mso-padding-alt:0cm 0cm 1.0pt 0cm">SUIT NO. AC 425/2011&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: 19TH&nbsp;FEBRUARY 2016<o:p></o:p>

</div>COUNSEL&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; <o:p></o:p><div style="border-top: none; border-right: none; border-left: none; border-image: initial; border-bottom-width: 1.5pt; border-bottom-color: windowtext; padding: 0cm 0cm 1pt;">

<p class="MsoNormal" style="margin-bottom:0cm;margin-bottom:.0001pt;text-align:
justify;line-height:normal;border:none;mso-border-bottom-alt:solid windowtext 1.5pt;
padding:0cm;mso-padding-alt:0cm 0cm 1.0pt 0cm">CYNTHIA OPARE ESQ. HOLDING
BRIEF FOR E. K. AMOAH-SEKYI ESQ. FOR DEFENDANT <o:p></o:p>

</div>CORAM<o:p></o:p>HER LADYSHIP NOVISI
AFUA ARYENE (MRS.) <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 0cm;">

<p class="MsoNormal" align="center" style="margin-bottom:0cm;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:0cm;mso-padding-alt:1.0pt 0cm 1.0pt 0cm">JUDGMENT<o:p></o:p>

</div>&nbsp;The
facts are that on 15th of June 2010, Defendant’s vehicle, a Man
Diesel Boom Truck with registration no. GR. 1232-10 ran into a BMW salon car
with registration no CD 8100-09 belonging to the South African High Commission
in Accra. The vehicle was insured by Plaintiff under policy no. M960120. The driver of the
Defendant’s truck was arraigned before the District Court and convicted on his
own plea.<o:p></o:p>Plaintiff averred
that based on the Police
Report, the claim
between Plaintiff and the South African High Commission was settled on a total
loss basis for an amount
of US$62,070.00 and the
insured was paid off. Plaintiff’s claim is that by subrogation rights, she was entitled to refund from Defendants for money paid to her
insured for the damage. Plaintiff averred that the insurance policy on
Defendant’s vehicle was third party with a liability limit of GH₵