Motor Accident Claims – Law & Procedure
This comprehensive volume serves as an authoritative guide on the legal framework, judicial interpretation, and procedural aspects surrounding motor accident claims in India. The book examines in detail the provisions of the Motor Vehicles Act, 1988, with a focus on Chapters X to XII which deal with liability, compensation, insurance, and the functioning of Motor Accident Claims Tribunals (MACT).
Covering both fault-based and no-fault liability, the book provides practical insights into claims for death, injury, and property damage, as well as the role of insurers under third-party risk coverage. It also delves into recent amendments, landmark judgments, evidentiary requirements, and methods of calculating compensation — including loss of income, permanent disability, and future prospects.
An indispensable reference for legal practitioners, claims managers, insurance professionals, tribunal members, and law students, this book bridges the gap between legal theory and practical application in motor accident litigation.
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Overview of Motor Accident Law in India
Historical development
Objectives of compensation laws
Social welfare legislation approach
Motor Vehicles Act, 1988 – Key Provisions
Structure of the Act
Chapters X to XII: Claims and Compensation
2019 Amendments and recent updates
Types of Liability
Fault-based liability
No-fault liability under Section 140
Strict liability and Section 163A
Hit and run cases – Section 161
Persons Entitled to Claim Compensation
Legal representatives
Injured persons
Owner/third party rights
Determination and Assessment of Compensation
Fatal accidents and personal injuries
Loss of income and earning capacity
Permanent/temporary disability
Future prospects and dependents’ loss
Use of multiplier method
Jurisdiction and Powers of MACT
Constitution and location of MACTs
Procedural powers under Civil Procedure Code
Award of interest and costs
Filing of a Claim Petition
Who can file and where to file
Time limitation
Format and documents required
Trial and Adjudication Process
Summoning of parties
Recording of evidence
Examination of witnesses and experts
Interim awards and final order
Third Party Insurance
Mandatory coverage under Section 146
Extent of insurer’s liability
Certificate and policy of insurance
Defences Available to Insurers
Breach of policy conditions
No insurable interest
Use of vehicle beyond permit or license
Fake or expired policies
Right of Recovery and Pay-and-Recover Principle
Judicial trends
Subrogation rights
Evidentiary Requirements in MACT Cases
FIR, charge sheet, and MLC reports
Medical evidence and disability certificate
Vehicle documents and driving license
Oral and documentary evidence
Calculation Tools and Case Law
Use of structured formulas
Supreme Court guidelines on computation
Sarla Verma and Pranay Sethi cases
Appeals Against MACT Awards
High Court jurisdiction under Section 173
Grounds for appeal
Time limitations and procedures
Execution and Recovery of Awards
Enforcement of compensation
Role of executing court
Challenges in enforcement
Impact of Motor Vehicles (Amendment) Act, 2019
Enhanced compensation amounts
New hit-and-run compensation scheme
Online filing and accident database
Online MACT Filing and Virtual Hearings
Digitisation of claims process
Use of digital evidence and e-portals
Judicial Trends and Social Impact
Recent key judgments
Compensation as a tool of justice
Suggestions for reforms
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