[2020]DLCA8569 Login to Read Full Case <span style="font-size: 18px !important;"><p class="MsoNormal" align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center"><b><span lang="EN-US" style="font-size:12.0pt;line-height:107%;font-family:"Book Antiqua",serif; color:#00B0F0">CHINA RAILWAYS<o:p></o:p></span></b></p><p class="MsoNormal" align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center"><i><span lang="EN-US" style="font-size:10.0pt;line-height:107%;font-family:"Book Antiqua",serif">(PLAINTIFF/ APPELLANT)<o:p></o:p></span></i></p><p class="MsoNormal" align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center"><b><span lang="EN-GB" style="font-size:12.0pt;line-height:107%;font-family:"Book Antiqua",serif; mso-fareast-font-family:"Book Antiqua";mso-bidi-font-family:"Book Antiqua"; color:#00B0F0;mso-ansi-language:EN-GB">vs.<o:p></o:p></span></b></p><p class="MsoNoSpacing" align="center" style="text-align:center"><b><span lang="EN-US" style="font-size:12.0pt; font-family:"Book Antiqua",serif;color:#00B0F0">STATE INSURANCE COMPANY<o:p></o:p></span></b></p><p class="MsoNoSpacing" align="center" style="text-align:center"><i><span lang="EN-US" style="font-size:10.0pt; font-family:"Book Antiqua",serif">(DEFENDANTS/ RESPONDENTS)<o:p></o:p></span></i></p><p class="MsoNormal" align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center"><i><span lang="EN-GB" style="font-size:12.0pt;line-height:107%;font-family:"Book Antiqua",serif; mso-ansi-language:EN-GB"><o:p> </o:p></span></i></p><p class="MsoNormal" align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center"><span lang="EN-GB" style="font-size:10.0pt;line-height:107%; font-family:"Book Antiqua",serif;mso-ansi-language:EN-GB">[COURT OF APPEAL, ACCRA]<o:p></o:p></span></p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt; padding:0cm 0cm 1.0pt 0cm"> <p class="MsoNoSpacing" align="center" style="text-align:center;border:none; mso-border-bottom-alt:solid windowtext 1.5pt;padding:0cm;mso-padding-alt:0cm 0cm 1.0pt 0cm"><b><span lang="EN-US" style="font-size:10.0pt; font-family:"Book Antiqua",serif">CIVIL APPEAL NO. H1/37/2014 </span></b><span lang="EN-GB" style="font-size:10.0pt;font-family:"Book Antiqua",serif;mso-fareast-font-family: "Times New Roman";mso-ansi-language:EN-GB">DATE: </span><span lang="EN-GB" style="font-size:10.0pt;font-family:"Book Antiqua",serif;mso-ansi-language: EN-GB">20<sup>TH</sup> </span><span lang="EN-GB" style="font-size:10.0pt; font-family:"Book Antiqua",serif;mso-fareast-font-family:"Times New Roman"; mso-ansi-language:EN-GB">FEB, 2020</span><b><span lang="EN-US" style="font-size:10.0pt;font-family:"Book Antiqua",serif"><o:p></o:p></span></b></p> </div><p class="MsoNormal" style="margin-bottom:0cm;margin-bottom:.0001pt"><b><span lang="EN-GB" style="font-size:12.0pt; line-height:107%;font-family:"Book Antiqua",serif;mso-ansi-language:EN-GB">COUNSEL:<o:p></o:p></span></b></p><p class="MsoNoSpacing"><span lang="EN-US" style="font-size:12.0pt;font-family: "Book Antiqua",serif">MICHEAL YOURI WITH WEIQIANG YANG FOR THE PLAINTIFF/APPELLANT <o:p></o:p></span></p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt; padding:0cm 0cm 1.0pt 0cm"> <p class="MsoNoSpacing" style="border:none;mso-border-bottom-alt:solid windowtext 1.5pt; padding:0cm;mso-padding-alt:0cm 0cm 1.0pt 0cm"><span lang="EN-US" style="font-size:12.0pt;font-family:"Book Antiqua",serif">VICTOR WALENKAKI FOR THE DEFENDANT/RESPONDENT<o:p></o:p></span></p> </div><p class="MsoNormal" style="margin-bottom:0cm;margin-bottom:.0001pt"><b><span lang="EN-GB" style="font-size:12.0pt; line-height:107%;font-family:"Book Antiqua",serif;mso-fareast-font-family:"Book Antiqua"; mso-bidi-font-family:"Book Antiqua";mso-ansi-language:EN-GB">CORAM:<o:p></o:p></span></b></p><p class="MsoNoSpacing"><span lang="EN-US" style="font-size:12.0pt;font-family: "Book Antiqua",serif">BARBARA ACKAH YENSU J.A. (PRESIDING), HENRY A. KWOFIE J.A., N.C.A. AGBEVOR J.A.<o:p></o:p></span></p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt; padding:0cm 0cm 1.0pt 0cm"> <p class="MsoNoSpacing" style="border:none;mso-border-bottom-alt:solid windowtext 1.5pt; padding:0cm;mso-padding-alt:0cm 0cm 1.0pt 0cm"><span lang="EN-US" style="font-size:12.0pt;font-family:"Book Antiqua",serif"><o:p> </o:p></span></p> </div><p class="MsoNormal" style="margin-bottom:0cm;margin-bottom:.0001pt"><span lang="EN-GB" style="font-size:12.0pt;line-height:107%;font-family:"Book Antiqua",serif; mso-ansi-language:EN-GB"> <b><o:p></o:p></b></span></p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt; padding:0cm 0cm 1.0pt 0cm"> <p class="MsoNormal" align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;border:none;mso-border-bottom-alt:solid windowtext 1.5pt; padding:0cm;mso-padding-alt:0cm 0cm 1.0pt 0cm"><b><span lang="EN-GB" style="font-size:12.0pt;line-height:107%;font-family: "Book Antiqua",serif;mso-ansi-language:EN-GB">JUDGMENT<o:p></o:p></span></b></p> </div><p class="MsoNormal" style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: 115%"><b><u><span lang="EN-US" style="font-size:12.0pt;line-height:115%;font-family:"Book Antiqua",serif">HENRY A. KWOFIE (JA</span></u></b><u><span lang="EN-US" style="font-size:12.0pt; line-height:115%;font-family:"Book Antiqua",serif">)</span></u><b><span lang="EN-US" style="font-size:12.0pt; line-height:115%;font-family:"Book Antiqua",serif"><o:p></o:p></span></b></p><p class="MsoNormal" style="margin-bottom:0cm;margin-bottom:.0001pt;text-align: justify;line-height:150%"><span lang="EN-US" style="font-size:12.0pt;line-height: 150%;font-family:"Book Antiqua",serif">This present appeal was launched by the plaintiff/appellants against the judgment of the High Court Accra (Human Rights and Financial Division) delivered on 23<sup>rd</sup> November 2017 in favour of the defendant/respondent and dismissed plaintiff/appellant’s claim. Dissatisfied with the said judgment, the plaintiff /appellant launched the instant appeal on the 9<sup>th</sup> of February 2018 on the following grounds:<o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom:0cm;margin-bottom:.0001pt;text-align: justify;line-height:normal"><i><span lang="EN-US" style="font-size:12.0pt;font-family:"Book Antiqua",serif"><o:p> </o:p></span></i></p><p class="MsoNormal" style="margin-top:0cm;margin-right:0cm;margin-bottom:0cm; margin-left:1.0cm;margin-bottom:.0001pt;text-align:justify;line-height:150%"><i><span lang="EN-US" style="font-size:12.0pt; line-height:150%;font-family:"Book Antiqua",serif">a) That the ruling of the trial judge is against the weight of evidence.<o:p></o:p></span></i></p><p class="MsoNormal" style="margin-top:0cm;margin-right:0cm;margin-bottom:0cm; margin-left:1.0cm;margin-bottom:.0001pt;text-align:justify;line-height:150%"><i><span lang="EN-US" style="font-size:12.0pt; line-height:150%;font-family:"Book Antiqua",serif">b) That the trial judge misdirected herself in law when she held that the date of issuance of the license ought not to have been back-dated to the date of assessment.<o:p></o:p></span></i></p><p class="MsoNormal" style="margin-top:0cm;margin-right:0cm;margin-bottom:0cm; margin-left:1.0cm;margin-bottom:.0001pt;text-align:justify;line-height:150%"><i><span lang="EN-US" style="font-size:12.0pt; line-height:150%;font-family:"Book Antiqua",serif">c) The trial judge misdirected herself in law when she held that a renewal during replacement was different from other renewals.<o:p></o:p></span></i></p><p class="MsoNormal" style="margin-top:0cm;margin-right:0cm;margin-bottom:0cm; margin-left:1.0cm;margin-bottom:.0001pt;text-align:justify;line-height:150%"><i><span lang="EN-US" style="font-size:12.0pt; line-height:150%;font-family:"Book Antiqua",serif">d) The trial judge erred when she declared that the defendant was entitled to repudiate the insurance policy.<o:p></o:p></span></i></p><p class="MsoNormal" style="margin-top:0cm;margin-right:0cm;margin-bottom:0cm; margin-left:1.0cm;margin-bottom:.0001pt;text-align:justify;line-height:150%"><i><span lang="EN-US" style="font-size:12.0pt; line-height:150%;font-family:"Book Antiqua",serif">e) That additional grounds of appeal will be filed on the receipt of the record of proceedings.<o:p></o:p></span></i></p><p class="MsoNormal" style="margin-top:0cm;margin-right:0cm;margin-bottom:0cm; margin-left:36.0pt;margin-bottom:.0001pt;text-align:justify;text-indent:-36.0pt; line-height:normal"><span lang="EN-US" style="font-size:12.0pt;font-family:"Book Antiqua",serif"><o:p> </o:p></span></p><p class="MsoNormal" style="margin-top:0cm;margin-right:0cm;margin-bottom:0cm; margin-left:36.0pt;margin-bottom:.0001pt;text-align:justify;text-indent:-36.0pt; line-height:150%"><span lang="EN-US" style="font-size:12.0pt;line-height:150%; font-family:"Book Antiqua",serif">It is noted for the record that no additional grounds of appeal were<o:p></o:p></span></p><p class="MsoNormal" style="margin-top:0cm;margin-right:0cm;margin-bottom:0cm; margin-left:36.0pt;margin-bottom:.0001pt;text-align:justify;text-indent:-36.0pt; line-height:150%"><span lang="EN-US" style="font-size:12.0pt;line-height:150%; font-family:"Book Antiqua",serif">filed by the plaintiff /appellant. The relief sought from the Court of <o:p></o:p></span></p><p class="MsoNormal" style="margin-top:0cm;margin-right:0cm;margin-bottom:0cm; margin-left:36.0pt;margin-bottom:.0001pt;text-align:justify;text-indent:-36.0pt; line-height:150%"><span lang="EN-US" style="font-size:12.0pt;line-height:150%; font-family:"Book Antiqua",serif">Appeal was that the ruling of the High Court (Human Rights <o:p></o:p></span></p><p class="MsoNormal" style="margin-top:0cm;margin-right:0cm;margin-bottom:0cm; margin-left:36.0pt;margin-bottom:.0001pt;text-align:justify;text-indent:-36.0pt; line-height:150%"><span lang="EN-US" style="font-size:12.0pt;line-height:150%; font-family:"Book Antiqua",serif">Division) dated 23<sup>rd</sup> November 2017 be set aside and judgment <o:p></o:p></span></p><p class="MsoNormal" style="margin-top:0cm;margin-right:0cm;margin-bottom:0cm; margin-left:36.0pt;margin-bottom:.0001pt;text-align:justify;text-indent:-36.0pt; line-height:150%"><span lang="EN-US" style="font-size:12.0pt;line-height:150%; font-family:"Book Antiqua",serif">entered for the plaintiff