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Small ClaimsPartially Allowed· [2025] SCC 40 (KLR)

Ndungu v Gikonyo & another (Claim E5373 of 2024) [2025] SCC 40 (KLR)

Small Claims Court
28 August 2025
2,071 words in judgment
View original judgmentRead on Kenya Law Watch case
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The bottom line

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A Kenyan insurer recovered KShs 310,260 for a rear-end crash because a police abstract blaming the other driver went unrebutted.

What this practically means

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Executive summary

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The Claimant, moving on behalf of Occidental Insurance Company Limited under the doctrine of subrogation, sued the Respondents for special damages of Kshs. 325,810/=, costs and interest, following a road traffic accident on 27th May 2022 along the Eastern Bypass, North Airport road, in which her motor vehicle KDB 667 E was hit from behind by motor vehicle KDD 164 U. The Respondents blamed the Claimant's driver for a sudden lane change. The parties consented to determination under section 30 of the Act. Framing the issues as liability and quantum, the court held that the entry in the police abstract attributing the accident to KDD 164 U, admissible under section 38 of the Evidence Act and bolstered by the presumption of regularity, had not been rebutted by the Respondents' witness statements, which alone cannot dislodge such an entry. Relying on authority that a rear-end collision raises a prima facie case of negligence, and finding the photographic damage inconsistent with the Respondents' swerving narrative, the court found the Respondents jointly and severally 100% liable. On quantum, the court allowed cash in lieu of repairs (Kshs. 33,600/=), repairs (Kshs. 269,120/=) and assessment costs (Kshs. 7,540/=), totalling Kshs. 310,260/=. It disallowed disbursements of Kshs. 15,000/= as recoverable only as costs, and a Kshs. 550/= records search fee as counsel's expenditure not claimable under subrogation. Judgment was entered for Kshs. 310,260/= with interest at court rates from the date of judgment, plus costs assessed at Kshs. 30,000/=.

Key legal issues

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01

Liability for the road traffic accident

Holding

Respondents jointly and severally 100% liable; the entry in the police abstract attributing the accident to KDD 164 U was unrebutted and a rear-end collision raises a prima facie case of negligence.

Reasoning

The police abstract dated 27th March 2022 recorded the outcome of investigations as attributing the accident to KDD 164 U. By section 38 of the Evidence Act and the presumption of regularity, such an entry is admissible and presumed true unless rebutted. The Respondents offered only witness statements, which cannot dislodge the entry. Photographs showed damage evenly spread across the rear, contradicting the 2nd Respondent's swerving narrative. A rear-end collision established prima facie negligence.

p. 6
02

Quantum of the insurer's subrogated loss

Holding

Special damages of Kshs. 310,260/= proved: cash in lieu Kshs. 33,600/=, repairs Kshs. 269,120/=, assessment costs Kshs. 7,540/=.

Reasoning

The Satisfaction Note from Maxwell Autotechs Limited showed a handwritten entry recommending cash in lieu because the bumper had not been replaced, indicating the re-inspection report of 16th October 2022 postdated the Claimant's own repair of the bumper, later reimbursed by the insurer. The cash-in-lieu claim was thus supported. Disbursements and the records search fee were disallowed as not recoverable under subrogation.

p. 7

Legal principles established

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  • Where a police abstract contains an entry on the outcome of investigations, a court cannot ignore it; such an entry is persuasive and stands unless rebutted by credible evidence.
  • A driver who hits another vehicle from behind bears a prima facie case of negligence which he must rebut with credible evidence.
  • A witness statement alone cannot rebut an entry in a police abstract on the outcome of investigations into a traffic accident.

Court orders

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  1. 1.Liability 100% in favour of the Claimant
  2. 2.Judgment entered against the Respondents jointly and severally for Kshs. 310,260/=
  3. 3.The sum of Kshs. 310,260/= to earn interest at court rates from the date of judgment till payment in full
  4. 4.Costs of the claim assessed at Kshs. 30,000/=
  5. 5.Certificate of costs and decree to issue forthwith

Authorities

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Legislation

  • Evidence Actsection 38
  • Small Claims Court Actsection 30

Cases cited (7)

  • Eastern Transporters Produce Ltd v Rongai Workshop Ltd
    Civil Appeal 125 of 2018, [2023] KEHC 24810 (KLR)
  • Kenya Power & Lighting Company Limited v Julius Wambale & Another
    (2019) eKLR
  • Florence Mutheu Musembi & Geofrey Mutunga Kimiti v Francis Karenge
    {2021} eKLR
  • Chief Land Registrar & 4 others v Nathan Tirop Koech & 4 others
    [2018] eKLR
  • Atanga v Rojeh
    Civil Appeal E195 of 2023, [2025] KEHC 6067 (KLR)
  • Orioki v Kevian Kenya Limited
    (2025) KECA 780 (KLR)
  • Njuguna v Chogo
    [1985] KLR 452
Jurisdiction invoked
Determination by consent under section 30 of the Act (Small Claims Court Act)

Key timeline

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Practical implications

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Frequently asked questions

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Cite this brief

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Cite this brief

Caselaw, "Ndungu v Gikonyo & another (Claim E5373 of 2024) [2025] SCC 40 (KLR)", Case Analysis (2025). . Source: https://new.kenyalaw.org/akn/ke/judgment/scc/2025/40/eng@2025-08-28

Suggested citation format for research notes or client memos. Always verify the original judgment before relying on any point.