As per case facts, the deceased borrowed a motorcycle from a friend with proper authorization, subsequently met with an accident, and succumbed to his injuries. The motorcycle was insured and ... included a personal accident cover for the owner-driver. The claimants, who were the deceased's brother and nephew, sought compensation under this policy. The learned Tribunal found that the claim under a specific section of the Motor Vehicles Act was not maintainable, but still awarded compensation based on the personal accident cover. The insurer appealed, arguing that the personal accident cover was for the owner-driver only and not transferable to a borrower. The question arose whether a borrower, authorized to drive an insured vehicle, steps into the shoes of the owner-driver for the purpose of a personal accident cover, thereby entitling the claimants to compensation under that policy, even if the primary claim under the Motor Vehicles Act was not maintainable. Finally, relying on Supreme Court precedents, the High Court held that a borrower authorized by the owner to drive the vehicle steps into the shoes of the owner. Therefore, the deceased, as an authorized borrower, was deemed to be covered under the personal accident policy for the owner-driver, making the claimants eligible for the compensation awarded by the Tribunal.