As per case facts, the claimant and his family were traveling in a car that collided with a culvert while trying to save an animal, resulting in serious injuries to ... the claimant. The Claims Tribunal awarded compensation, which the insurance company challenged on appeal. The company contended that the claimant was negligent, not a third party, and no additional premium was paid for driver's risk, questioning their liability. The question arose whether the claimant, driving a borrowed vehicle and thus effectively stepping into the shoes of the owner, was entitled to the full compensation awarded or only to the amount covered under the 'Personal Accident Cover for Owner-Driver' as per the insurance policy. Finally, the Court ruled that since the claimant was driving a borrowed vehicle and assumed the owner's position, he was entitled only to the compensation amount stipulated under the 'Personal Accident Cover for Owner-Driver' in the insurance policy, leading to a significant reduction in the awarded compensation.