‘liability’ (n) is one of the most significant words in the
field of law, and a complex subject in Insurance. Liability means legal
responsibility for one's acts or omissions. Failure of a person or entity to
meet that responsibility leaves him/her/it open to a lawsuit for any resulting
damages or a court order to perform (as in a breach of contract or violation of
statute). Any loss or damage caused by a negligent act of a person / Firm
exposes them to public liability and cost of litigation as also the cost of
such liability suit will be covered in a liability insurance policy. Liability also applies to alleged criminal
acts in which the defendant may be responsible for his/her acts which
constitute a crime, thus making him/her subject to conviction – punishment and
fine. This penal part (fine) is not
covered in a liability policy though.
~ when there is litigation –
where it will be litigated is of great significance ….it is known as
‘jurisdiction’ (from the Latin Juris meaning "law" and dicere meaning
"to speak") - practical authority granted to a formally constituted
legal body to deal with and make pronouncements on legal matters and, by
implication, to administer justice within a defined area of responsibility. The
term is also used to denote the geographical area or subject-matter to which
such authority applies. Jurisdiction draws its substance from public
international law, conflict of laws, constitutional law and the powers of the
executive and legislative branches of government to allocate resources to best
serve the needs of its native society.
Indians will never forget the wounds of 26/11……….. the coordinated
shooting, bombing and killings that occurred in Mumbai and shook the Nation in
2008 – ghastly killings planned and executed by Lashkar-e-Taiba. Before that,
protecting a maid whose relatives has close connections to the US embassy in
Delhi, US suddenly arrested Indian diplomat - Ms.Devyani Khobragade, humiliated
her and speaks of rule of law and that they would neither drop the charges against
nor apologise to India……….. but would still protect and not handover David
Headley who conspired in plotting the 2008 attacks, presently in US
prisons. – no double tongue here ….
Back home, the lone captured attacker went
through the process of law and was eventually hanged for the killing of 166
persons and wounding more than 300 people. From Chhatrapati Shivaji TErminur to
Nariman house, there was blood spillage all over… and that included the ‘Taj Mahal palace
hotel’ a 5 star hotel in Colaba – next to Gateway of India. Part of the Taj Hotels, Resorts and Palaces,
this building is considered the flagship property of the group and contains 560
rooms and 44 suites. From a historical and architectural point of view, the two
buildings that make up the hotel, The Taj Mahal Palace and the Tower are two
distinct buildings, built at different times and in different architectural
designs.
A building which has hosted many many notable
guests is widely believed to have been built by Jamshedji Tata after he was
refused entry to one of the city's grand hotels of the time, Watson's Hotel, as
it was restricted to "whites only". There are however remarks that Tata would not
have shown vengeance attitude.. it is stated that the hotel was converted into
a 600 bed hospital during WW1. The dome of the hotel is made from steel as
used in the Eiffel
Tower .
Now the hotel and Tata group is in news as a
British court has ruled that Taj hotel can be sued in UK for that
dastardly incident. It is a suit filed
by a 33 year old man paralysed during the attack. The Indian Hotels Company Limited, a Tata
Group firm, had argued that Will Pike’s negligence claim should be heard in
India but a high court judge accepted that taking his case through the Indian
courts could run into years of delay.Indian Hotels Company, has the right to
appeal against the ruling and the case will now go to the Court of Appeal for a
final decision. “The appeal process is just a small delay. Pike, a London-based
freelance filmmaker, was injured when he jumped out of the hotel window after
it was stormed by militants who carried out the attacks in Mumbai in November
2008.
The liability suit is brought about by Pike
alleging that the management of the hotel did not do enough to protect him from
Pak terrorists during the siege.
Panicked he jumped and was left paralysed after falling 50ft from his
bedroom window while trying to escape the extremists. Justice Stewart is quoted as stating that “I am persuaded that it is clearly the case
that England
is the appropriate forum for the trial of this action.” Others see the ruling
as perverse in that the authorities in Pakistan , where the terrorists
originated, are not being sued. An Indian businessman who was caught up in the
attack on the Taj said: “I can’t see how the Taj can be blamed — it was a
victim of terrorism. Many of its staff died trying to protect guests.” Lawyers
for the Taj had wanted the case thrown out on the grounds that the High Court
in London could not have jurisdiction over
events that occurred in India .
In theory, this ruling means any victim of
terrorism anywhere in the world can file a claim for compensation in the courts
in London if
some kind of British link can be established. Pike, a freelance filmmaker, has
been joined in his legal action by his former girlfriend, Kelly Doyle. They say
they had not been given proper advice about emergency procedures and evacuation
routes and, when they heard doors being kicked in and shots fired, had to break
a window with furniture from their smoke-filled room and try to reach the
ground using bedding and curtains knotted together.
The judge said Pike and Doyle “have clearly
demonstrated and proved that granting a stay in English proceedings and
requiring proceedings to be commenced in India would amount to a denial of
justice”. Pike’s lawyer Russell Levy, from Leigh Day, maintained that the case
should be heard in the UK ,
where his client lives and where the Indian Hotels Company Ltd has a
substantial business presence. Its interests include the St James Court Hotel
and two upmarket restaurants — the Bombay Brasserie and Quilon.
Somehow I am not comfortably on
reading the remarks of Justice Stewart that -: “My estimation is that the time
this case would take to reach the probable end stage in India is some
20 years ie. about 15 years in high court plus 5 years on first appeal.” The
court heard how the equivalent case in the UK courts would take 2 to 3 years. Justice Stewart went
on to explain: “(Pike) is a man who is not quite 34 years of age. A favourable
decision in England
would give him the money substantially to improve his standard of living and
enable him to better come to terms with his disability when he is about 36
years of age. If the proceedings have to be brought in India then he
would be something like 50 to 55 years of age before that occurs.”
Sad that the victim is now consigned to a
wheel chair – but so also are the others innocent killed and others who lost their lives fighting the
terrorists. Tata group reportedly has
done good providing monetary compensation to its employees and others who
suffered cruelty whilst at their premises.
If Pike wins his case, the courts may award him in excess of a million
pounds (Rs 10 crore). This would almost certainly set a precedent and encourage
other claimants.
Statement from The Indian Hotels Company
Limited, owner of Taj Hotels: stated
that they are disappointed that the English High Court has accepted
jurisdiction to hear a claim for compensation by Mr Pike and Ms Doyle, two
guests of the hotel when the hotel, as also multiple other locations across the
city of Mumbai, were attacked by terrorists on 26th November 2008. The
acceptance of jurisdiction by the English court was made without any detailed
consideration of the merits of the claim; it was a purely procedural decision.
This great Indian tragedy in which many staff and guests were killed or injured
was not the fault of the hotel owners and management and the claim will
continue to be vigorously defended. Many of our brave staff will give evidence
at the trial. We do not consider it appropriate to make any further comment at
this time.
It is further stated that in response
to the outpouring of emotional support from well-wishers in India and across
the globe, The Taj Public Service Welfare Trust Fund was set up to offer relief
for those affected by the attack and to provide immediate assistance to all
victims and their families — be it the general public, the security forces,
employees of the Taj or employees of other establishments. Mr William Pike has
already been the beneficiary from this trust. This trust fund has been further
extended to cover relief to victims of sudden acts of violence, natural
disasters and other tragic events that inflict damage to life and property.
With regards – S.
Sampathkumar .
20th Dec 2013.
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