as also in view of D. Srinivas’s case (supra), if the analysis and the ultimate conclusions of the District Forum is in tune with the decision in D. Srinivas’s case, we are bound to restore the same. In Murthy’s case (supra), this Court held that normally the decision of the Supreme Court enunciating a principle of law is applicable to all cases irrespective of the stage of pendency thereof because it is assumed that what is enunciated by the Supreme Court is, in fact, the law from inception. 5 (2003) 7 SCC 517 C.A. No.270 of 2012 Page 17 of 3517. The decision in D. Srinivas’s case was followed by this Court again in the decision in Gokal Chand (D) Thr. LRs v. Axis Bank Ltd. and Anr.6, after rejecting a defence relying on the decision in Raja Vasireddy Komalavalli Kamba’s case. 18. Now, we will proceed to consider the question whether circumstances obtained in this case carry clear presumption of the acceptance of the policy by the insurer, as has been obligated under the decision in