[13]
The plaintiff’s evidence is that he saw the defendant’s car stationary at the stop sign on
Omongo Street. He was wondering why the vehicle had been stationary for such a considerable length of time. He then reduced his speed,
as he approached the crossroad, then suddenly, the defendant’s car “jumped on the road”, as he put it during examination-in-chief.
I think that the plaintiff was apparently under the impression that since he had the right of way, he was entitled to assume that
the defendant would respect his advantageous position, and, therefore, there was no obligation on him to exercise any circumspection.
But the question is whether the plaintiff acted reasonably in driving at some considerable speed as he approached the intersection,
ignoring the defendant’s car, which was already in his way. The following supports this finding: I do not believe the plaintiff
when he says he reduced his speed and tried to brake. Contrary to what the plaintiff’s counsel submitted, it is rather my view
that the frontal damage to the plaintiff’s vehicle is unmistakably consistent with a vehicle travelling at a very considerable
speed, making it impossible for the driver to apply brakes timeously, hitting at a vehicle, which was already in its way or lane
of locomotion. Indeed, the plaintiff testified that he did not swerve his vehicle. I think he could not do so because he was not
travelling at 55 kph, as he said he was doing. At any rate, I have explained above that I do not accept his evidence that his vehicle
was travelling at the speed of 55 kph
[14]
It has been held that it is “the duty of every driver of a motor car when approaching a crossing,
no matter whether he believes he has the right of way or not, to have regard to the traffic coming from a side street.” If the plaintiff had the defendant’s vehicle under observation, and really reduced his speed, he could have seen in ample time
that the whole length of the defendant’s vehicle was already in the left lane, along which his vehicle was travelling, and
tried to avoid the collision. The plaintiff’s duty was, therefore, to avoid the consequences of the defendant’s negligence,
as he could have done by reducing his speed and swerving his vehicle to his left. On this point, Mr. Erasmus, counsel for the plaintiff,
appears to have endeavoured to improve the plaintiff’s position by suggesting in his heads of argument that the plaintiff “tried
to avoid the collision by swerving.” This is in stark contrast to what the plaintiff said on the stand. Under cross-examination,
he said distinctly that he did not swerve.
[15]
That being the case, I have come to the conclusion that the plaintiff is liable for contributory negligence.
Guided by the principle enunciated by Oglivie Thompson, JA in South Brish Insurance Co. Ltd v Smit I assess the degree of negligence attributable to the defendant to be 60% and to the plaintiff 40%, having regard to the plaintiff’s
share in the responsibility for the collision and the resultant damage. I think the apportionment of fault in that proportion is
just and equitable. The conclusion I made previously to the effect that the defendant was negligent has the effect of dismissing
the defendant’s counterclaim for N$15,000.00.
[16]
I now turn to the defendant’s alternative plea concerning an alleged full-and-final settlement
agreement between the parties. The long and short of the dispute surrounding this issue is as follows. The defendant pleaded that
he and the plaintiff entered into an oral agreement to settle any claims against each other, without admitting liability. In terms
of the agreement, the defendant agreed to pay the plaintiff the excess amount the plaintiff has to pay to his insurer. In effect,
it is the amount that the insurer will deduct from any amount it would, in terms of the insurance policy, pay the plaintiff to cover
the damage he has suffered as a result of the accident. The defendant carried out his part of the agreement. The effect of the agreement
was that it was in full-and-final settlement of all claims that the parties may have against each other as a consequence of the collision.
[17]
The plaintiff denies there was such agreement. But a proper understanding of the plaintiff’s papers
filed of record and his counsel’s heads of argument do not support this contention. What emerges from the papers and counsel’s
submission is that the plaintiff accepts there was an agreement between the parties, but the agreement relates only to the payment
of the excess amount by the defendant, without admitting liability. Otherwise upon what basis did the defendant pay to the plaintiff
and the plaintiff receive from the defendant the N$4,000.00 in the period 14 October 2001 and 8 January 2002 (See Exhibit “C”)?
This sum represents the excess amount quoted by Countrywide Assessing Services (See Exhibit “B”), plus N$92.27. The defendant
explained that he just decided to pay a round figure, hence the N$4,000.00.
[18]
That being the case, I find that the plaintiff and the defendant entered into an oral agreement when
the two met at the Wanaheda Police Station the morning following the accident, i.e. 31 August 2001. The agreement has a suspensive
condition, namely, the defendant would only pay the excess amount if the amount was what the plaintiff’s insurance company determined.
When the plaintiff delivered Exhibit “B” to the defendant the contract became enforceable. But, the question is what
was either party to gain from the agreement.
[19]
According to the defendant, he felt “sorry for the guy” because of the damage to his vehicle
as a result of the collision, that is why he agreed to pay N$4,000.00 to him. However, at the same time he said he paid it on the
understanding that it would be a full-and-final settlement of any claims that each might have against the other. There is a contradiction
here: either he paid the N$4,000.00 on humanitarian and altruistic considerations – which is honourable – or he hoped
to derive a more mundane benefit from parting with N$4,000.00; it cannot be for both reasons, otherwise it does not make sense. Further
the defendant did not agree to pay the N$4,000.00 to prevent the plaintiff from instituting criminal proceedings against him. The
police were not at the scene of the accident and within a few minutes after the accident both parties left the scene of the accident:
a car-breaker company removed the plaintiff’s vehicle and the defendant drove his vehicle from the scene of the accident. There
would have been no evidence on which to base any criminal charge and both parties knew that. Nobody was injured in the accident.
[19]
Defendant’s state of mind apparently was that if he paid the excess amount then he would be absolved
from all other claims. He knew that the plaintiff’s vehicle was insured; a man who has a 40-year driving experience, he knew
that the insurance company would pay the plaintiff an amount to cover the damage to his vehicle, less the excess amount. He was prepared
to pay only the excess amount which he knew would be by far less than the cover amount, and the insurance company would take care
of the rest, and that would be the end of his woes. I think he agreed to the pay the excess amount because he knew he was the negligent
party in the collision, and he thought he could end his liability to the plaintiff by paying to him the N$4,000.00.
[20]
The first point raised by Mr. Erasmus in his submission to support his standpoint that the plaintiff
could not have entered into any agreement with the defendant is that on 31 August 2001 the plaintiff had not communicated the excess
amount to the defendant. With respect, this is a baseless argument, for the reasons I have explained in the preceding paragraph.
Counsel’s other argument is that on 27 September 2001, the insurance company succeeded to the rights of the plaintiff when
the company paid the plaintiff N$38,195.38 upon the principle of subrogation in insurance law. This argument is also untenable. As
Mr. Grobler correctly submitted, Exhibit “B” is not proof of payment of an amount of money: it is only proof of an agreement
between the plaintiff and the assessor respecting the amount of money the plaintiff would accept from the insurance company for his
damage. Both counsel referred me to a number of authorities on subrogation. There is no need to examine them: they cannot assist
the Court in determining the issue at hand. I find that the insurance company did not succeed to the rights of the plaintiff on 27
September 2001. I agree with Mr. Grobler that it was only during oral evidence that it emerged that an amount of N$38,195.38 (see
Exhibit “B” was paid to a hire purchase company on behalf of the plaintiff. The plaintiff did not present any proof of
payment of the amount to the Court. Thus, at the close of the plaintiff’s case the Court was still in the dark as to the date
on which this amount was paid. In the result, I find that the plaintiff had the right and the capacity to enter into the oral agreement
with Mr. Hunze on 31 August 2001.
[21]
The law respects full-and-final settlement agreements, for they can at times settle once and for all
disputes outside the surrounds of the courts. But, the problem that comes to the fore in casu is that the parties dispute the terms of the agreement. It would have been a different matter if they had entered into a written,
not an oral, agreement. The evidence of the burden of proof decides which party will fail on a given issue if, after hearing all
the evidence, the court is left in doubt. In the present matter it cannot be decided whether the full-and-final provision was also a term of the oral agreement. The defendant
who bears the onus of proving a term on which he wishes to rely has failed to discharge the burden. In Topaz Kitchens (Pty) Ltd v Naboom Spa (Edms) Bpk, Muller, JA, relying on Kriegler v Minitzer and Another, held that a party bears the onus of proving the term of a contract which he or she wishes to enforce even if he or she has to prove
negative. In the result, it is my conclusion that there was an oral agreement between the parties but it was not a term of the agreement
that the payment of N$4,000.00 would constitute a full-and-final settlement of the claims that any party might have against the other
as a result of the collision between their vehicles.
[22]
The judgment of this Court is that the plaintiff succeeds in his claim but to the extent of 60% thereof.
It follows, therefore, that the plaintiff is entitled to his costs, since he has been successful substantially. The counter-claim
of the defendant is dismissed with costs. Thus, judgement for the plaintiff in the sum of N$21,472.58, less N$4,000.00, with interest
at the rate of 20% per annum calculated from the date of this judgement until the date of payment.
____________
PARKER, AJ
ON BEHALF OF THE PLAINTIFF
Mr F G Erasmus
Instructed by:
Van der Merwe-Greef Inc
ON BEHALF OF THE DEFENDANT
Adv Z J Grobler
Instructed by:
Grobler & Co