KWEKU Y. PAINTSIL, ESQ vs. DONEWELL INSURANCE CO LTD [2016]DLHC4035

Date	2016-11-28
Suit No.	SUIT NO. GJ 160/2015
Citation No.	[2016]DLHC4035

KWEKU T. ACKAAH-BOAFO JUSTICE OF THE HIGH COURT

BASILIA ADJEI TAWIAH FOR LAWRENCE ASANTE AHENKORAH - FOR THE PLAINTIFF

KWEKU T. ACKAAH-BOAFO JUSTICE OF THE HIGH COURT

[2016]DLHC4035
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													<main id="main" class="content" style="min-height: 60rem" >KWEKU Y.
PAINTSIL, ESQ<o:p></o:p>vs.<o:p></o:p>DONEWELL INSURANCE CO LTD<o:p></o:p>&nbsp;[HIGH COURT (GENERAL JURISDICTION DIVISION),
ACCRA]<o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
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<span lang="EN-CA" style="font-size:10.0pt;line-height:115%;font-family:&quot;Book Antiqua&quot;,&quot;serif&quot;;
position:relative;top:.5pt;mso-text-raise:-.5pt;letter-spacing:.05pt;
mso-bidi-font-weight:bold">SUIT&nbsp;NO.
GJ 160/2015&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: 28TH NOVEMBER, 2016<o:p></o:p>

</div>COUNSEL:<o:p></o:p>BASILIA
ADJEI TAWIAH FOR LAWRENCE ASANTE AHENKORAH - FOR THE PLAINTIFF <o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
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</div>CORAM: <o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
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</div><p class="MsoNormal" align="center" style="margin-top:1.45pt;margin-right:0in;
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mso-pagination:none;mso-layout-grid-align:none;text-autospace:none"><o:p>&nbsp;</o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
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<p class="MsoNormal" align="center" style="margin-top:1.45pt;margin-right:0in;
margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;text-align:center;
mso-pagination:none;mso-layout-grid-align:none;text-autospace:none;border:none;
mso-border-bottom-alt:solid windowtext 1.5pt;padding:0in;mso-padding-alt:0in 0in 1.0pt 0in">JUDGMENT<o:p></o:p>

</div>Introduction:<o:p></o:p><p style="margin: 0in 0in 0.0001pt; text-align: justify; line-height: 115%; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">[1]&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; This
is a dispute between an insured and his insurer concerning re-imbursement for
the cost of repairs incurred by the insured because of damage to his vehicle which
occurred at the workshop of a third party. The insurer takes the position that
a contractual relationship was established between the insured and the owners
of the workshop when he took his vehicle there for repairs and therefore the
insured is absolved from any claim of liability arising out of the repairs of
the vehicle. &nbsp;<o:p></o:p><p style="margin: 0in 0in 0.0001pt; text-align: justify; line-height: 115%; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><o:p>&nbsp;</o:p><p style="margin: 0in 0in 0.0001pt; text-align: justify; line-height: 115%; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">[2]&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
The analysis of this issue requires an examination of the terms of the policy,
the principles applicable to contractual liability and the governing
authorities if any. I will begin with some brief background. <o:p></o:p><p style="margin: 0in 0in 0.0001pt; text-align: justify; line-height: 115%; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><o:p>&nbsp;</o:p><p style="margin: 0in 0in 0.0001pt; text-align: justify; line-height: 115%; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">The Facts <o:p></o:p>[3]&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; On
July 30, 2014, the Plaintiff took a comprehensive motor insurance for his
Mercedes Benz R320 CDI 2007 with registration number GE 8978-14 with the
Defendant Company. The policy was renewed from the initial date until January
6, 2016. During the pendency of the policy on June 3, 2015 there was a heavy
downpour in Accra which flooded many parts of the city resulting in loss of
life and property. On the day of the flooding, the Plaintiff’s vehicle was
parked at the workshop of Premier Technic for what the Plaintiff calls a
“routine maintenance checks”. Premier Technic was a casualty of the flood and
the Plaintiff’s vehicle was damaged as a result, causing it to be completely
inoperable. The Plaintiff says he spent the sum of GH¢25,000 to render the vehicle serviceable.<o:p></o:p><o:p>&nbsp;</o:p>[4]&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nb</main>