Yes, Dr.Tripathiji, regarding you first question about the liability of the insurance and to recover from the insured was restated in the case of Zaharalunisha by the Apex Court in 2008, and there are other similar judgemnet of the Supreme Court in that connection, not only that Supreme Court also went up to the extend of invoking Article 142 of the Constitution of India in the case of Zaharulnisha. And driving licence does not mean one can drive any type of vehicle of your choice apart from the licence that was issued to you.
And prof.S.C. Pratihar, it is really nice to see you back in the forum. I was really missing you and Rajan Salvi. Have a nice day.
Thank you all of you for the valuable contribution in this social engineering aspects.