Rajesh, an owner of a logistics company, had insured his fleet of commercial vehicles under a comprehensive motor insurance policy. One of his trucks, while transporting goods from Delhi to Mumbai, was involved in a majo

Rajesh, an owner of a logistics company, had insured his fleet of commercial vehicles under a comprehensive motor insurance policy. One of his trucks, while transporting goods from Delhi to Mumbai, was involved in a major accident due to brake failure. The accident resulted in significant damage to the truck, loss of cargo, and injury to a third party. Upon investigation, it was revealed that the truck had not undergone the required periodic maintenance, and the insurance company raised concerns about negligence on the part of Rajesh's company. As Rajesh's insurance advisor, analyze the following: How will the basic principles of motor insurance, including the duty of maintenance and the concept of negligence, impact the claim settlement for the damaged truck and third party liabilities? State the potential reasons the insurance company might use to reduce or deny the claim.