(A) Motor Vehicles Act (59 of 1988) , S.163A— (as inserted by Motor Vehicles (Amendment) Act (54 of 1994)) Motor accident - Compensation u/S. 163-A - No evidence that deceased was in employment of opponent-owner, of vehicle which deceased was driving - Deceased can be said to be permissible user or borrower of motor vehicle of opponent-owner - No claim filed u/S. 163-A against driver, owner and insurance Company of offending vehicle - Claim filed only against owner of vehicle which was borrowed by deceased and its Insurance Company - As deceased stepped into shoes of owner of borrowed vehicle - Claim filed against owner and Insurance Company, not maintainable. AIR 2018 SC 983, Disting.AIR 2009 SC 3056, Rel. on. (Para 5.4) (B) Motor Vehicles Act (59 of 1988) , S.147, S.163A— (as in serted by Motor Vehicles (Amendment) Act (54 of 1994)) Motor accident - Liability of insurer - Deceased is a permissible user or borrower of motor vehicle which he was driving - Parties governed by contract of insurance - Liability of insurance company would be as per terms and conditions of contract of insurance only. (Para 5.5) (C) Motor Vehicles Act (59 of 1988) , S.166, Sch.II— (as ame....