SETH KWABENA GYEKETSE SARPONG vs. RANA MOTOR WORK & ENT. CO. LTD. AND PHOENIX INSURANCE [2019]DLCA8875

SETH KWABENA GYEKETSE SARPONG vs. RANA MOTOR WORK & ENT. CO. LTD. AND PHOENIX... [2019]DLCA8875

Date	2019-11-28
Suit No.	CIVIL APPEAL NO.: H1/152/2019
Citation No.	[2019]DLCA8875

HONYENUGA JA (PRESIDING)

I. O. TANKO AMADU JA

AMMA GAISIE JA

MR. J. SABBLAH FOR DEFENDANT/RESPONDENT

MR. RICHARD AMOFA FOR 2ND DEFENANT/RESPONDENT

MR. NANABANYIN ACKON FOR PLAINTIFF/APPELLANT

[2019]DLCA8875
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													<main id="main" class="content" style="min-height: 60rem" >SETH KWABENA GYEKETSE SARPONG<o:p></o:p>(PLAINTIFF/
APPELLANT)<o:p></o:p>vs.<o:p></o:p>RANA MOTOR WORK &amp; ENT. CO. LTD. (1ST DEFENDANT/ RESPONDENT) AND PHOENIX INSURANCE (2ND DEFENDANT/ RESPONDENT)<o:p></o:p><o:p>&nbsp;</o:p>[COURT OF APPEAL, ACCRA]<o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
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CIVIL APPEAL NO.:
H1/152/2019&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: 28TH NOVEMBER,
2019<o:p></o:p>

</div>COUNSEL:<o:p></o:p>MR.
J. SABBLAH FOR DEFENDANT/RESPONDENT<o:p></o:p>MR.
RICHARD AMOFA FOR 2ND DEFENANT/RESPONDENT<o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
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MR. NANABANYIN ACKON FOR PLAINTIFF/APPELLANT<o:p></o:p>

</div>CORAM: <o:p></o:p>HONYENUGA
JA (PRESIDING), I. O. TANKO AMADU JA, AMMA GAISIE JA<o:p></o:p><o:p>&nbsp;</o:p><div style="mso-element:para-border-div;border-top:solid windowtext 1.5pt;
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<p class="MsoNormal" align="center" style="text-align:center;border:none;
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</div>HONYENUGA, JA<o:p></o:p>This
appeal is against the judgment of the High Court (Fast Track Division), Accra,
dated the 2nd day of September, 2014.&nbsp; By the said judgment the learned trial judge
dismissed the action of the plaintiff/appellant and entered judgment for the 1st
defendant upon its declaratory reliefs.<o:p></o:p><o:p>&nbsp;</o:p>The
facts of this appeal are not complex and were that the plaintiff/appellant had
entered into a credit sale agreement with the 1st
defendant/respondent for the purchase of the new KIA truck to conduct his
operations.&nbsp; Under the agreement, the
plaintiff was required to pay $17,600.00 for the vehicle and to pay a deposit
of forty percent and pay GH¢2,310.00 in eight (8) equal monthly
instalments.&nbsp; The plaintiff/appellant as
usual was entitled to a warranty upon the payment of the first deposit among
other terms of the credit sale agreement.&nbsp;
Under the agreement, the plaintiff/appellant paid for a comprehensive
ignorance policy with the 2nd Defendant/Respondent as directed by
the 1st defendant/respondent.&nbsp;
While driving the said vehicle, the plaintiff/appellant was involved in
an accident and the vehicle got damaged.&nbsp;
He sustained injuries and was treated at the hospital.&nbsp; The 2nd defendant was informed
about the accident and the vehicle was take to Bentum Motors for repairs
whereby the vehicle was repaired but the plaintiff/appellant failed or
neglected to collect the vehicle from the premises of the 2nd
defendant.&nbsp; The plaintiff/appellant had
requested that a new vehicle be purchased for him under the comprehensive
insurance policy but the 2nd defendant/respondent rejected it
stating that the damages were minor.&nbsp;
Upon the refusal of the 1st and 2nd
defendants/respondents caused the plaintiff/appellant to issue out the instate
writ of summons which was amended and accompanied with a statement of claim
which was also amended claiming the following reliefs:<o:p></o:p>“(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Recovery of US$17,600.00 being the value
of the KIA Truck vehicle;<o:p></o:p>(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Interest on (a) from the date of the
accident until final payment;<o:p></o:p>(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Recovery of GH¢93,600.00 being cost of
rental charges incurred by the plaintiff from date of the accident to date of
suit;<o:p></o:p>(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Interest on (iii) from date of accident
till date of final payment;<o:p></o:p>(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Recovery of the sum of GH¢150.00 being
towing cost incurred;<o:p></o:p>(vi)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Interest on (v) and (vi) from date of the
accident till date of final payment;<o:p></o:p>(vii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Costs
including legal fees”.<o:p></o:p><o:p>&nbsp;</o:p>The 1st
defendant entered appearance and field a statement of defence which was later
amended to a statement of defence and counterclaim as follows:<o:p></o:p>“a.&nbsp;&nbsp;&nbsp;&nbsp</main>