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Motor Third-Party Liability

Liability for death, injury or property damage caused to others by your vehicle, decided by a Motor Accident Claims Tribunal.

Also calledAct Only Policy · Third-Party Liability · MACT claims

File/Claims library/Commercial motor/A vehicle accident

First thing, todayReport to the police, cooperate, and say nothing at the roadside about who was at fault.

Three deadlines
  • Tell the insurer now, not after the assessment.
  • The police the same day if anybody was hurt or the vehicle is gone.
  • Every document within the time the insurer asks for it.
A car at the roadside with its front wing stove in
A car at the roadside with its front wing stove in. An illustration.

When you would claim

  • Injury or death of a third party in an accident involving your vehicle
  • Damage to a third party's property
  • A tribunal notice or summons naming the owner or driver
  • A claim by your own paid driver or a passenger where covered

What insurers most often rely on

  • Driver not holding an effective licence for that class
  • Vehicle without a valid permit or fitness at the time
  • Breach of a fundamental condition, letting the insurer recover from the owner after paying the third party
  • The owner settling directly with the claimant
  • Late intimation of the tribunal notice

Most are answered by a document that existed on the day of the accident and is far harder to obtain a month afterwards.

The documents

before the workshop, not after

10 items, and the order matters more than the length. Almost all of it has to exist before the vehicle goes in for repair.

  • Claim form and the FIR, charge sheet and post-mortem where relevant
  • Registration certificate, fitness, permit and insurance certificate
  • Driver's licence and its class endorsement
  • The tribunal notice, forwarded unanswered
  • Statement of the driver and of any witness
  • Photographs and the site sketch
  • Details of the injured or deceased where known
  • Cancelled cheque and bank details in the insured's name, for the NEFT payment
  • Details of any other insurance covering the same risk
  • The petition or the claim served on you, and the tribunal’s award if one has been made
Survey, then repairThe dates that decide a motor claim are the intimation, the survey, and the day the vehicle went in. Written down on the first day, that line settles the repair-before-survey argument before it starts.

Next

Commercial Vehicle Claim: What to Do

Commercial motor claims are refused on paperwork far more often than on the facts of the collision: the licence, the permit, the fitness, the load.

Most often lost by: Authorising repairs before the survey, and discovering afterwards that the driver's licence was not valid for that class of vehicle.

There is no sum insured

Third-party death and injury carry no monetary limit in India; the tribunal decides. Property damage is capped, and the cap is small. Neither figure is anything you can change after the accident, which is why the file is the work.

Filed under: Commercial motor · A vehicle accident

Claims that sit next to this one

the same vehicle, or its load

Commercial Vehicle Damage

the own-damage half of the policy

Private Car

the same two halves, on a car

Public Liability

harm away from a road

Vehicle damaged and the surveyor still not been to the garage? Report a loss or call 92514 56334.