Get support from expert lawyers on Insurance and MACT

Motor Accident Claims Tribunal or MACT undergoes with the work which is related to the compensation of motor accidents victims. The tribunal deal with claims relating to loss of life/ property and cases of injury resulting from the motor accident.

Sometimes insurance companies deny claims, acting in what is legally called bad faith

The claim shall be reported as soon as possible in an accident. In case of theft, an FIR shall be registered within a period of 24 hrs., and for any further delay, there shall be a sufficient cause. Under section 166 of Motors Vehicle Act, 1988, such persons can report to MACT:

• Victim by himself or through his advocate
• Through an advocate if the injured is a minor
• In case of death, the representatives or the lawyer
• The owner of the vehicle in case of property damage

• Copy of FIR registered in connection with the accident
• Copy of post mortem report, death report as the case may be
• The documents related to the identity of claimant and of deceased in a death case
• Original bills of expenses incurred on the treatment
• Documents of educational qualification of deceased
• Disability certificate, if obtained, in an injury case
• Proof of income of deceased or injured
• Documents stating age of the claimant
• The note of third party insurance policy
• The affidavit detailing the relationship of the claimants with the deceased

 - Damage to other, which includes injury or damage to property related to someone else. This person is called the "third party";

- Damage to self, which includes damage to a person- s own insured vehicle. This is called "own damage claim" and one is entitled to it if they are holding a package or a comprehensive policy.

In a third party claim where a person- s vehicle is involved, it is imperative to report the accident immediately to the police authorities as well as the insurance company. However, for a third party who has suffered loss because of someone else- s vehicle, the injured party must obtain the insurance details of the vehicle and make an intimation to the insurer of that vehicle.

In the event of an own damage claim, which is where the person's own vehicle is damaged due to an accident, the person must immediately inform the insurance company and police, wherever required, to enable them to depute a surveyor to assess the loss.

WHO MAY APPLY?

An application for compensation arising out of an accident under Section 166 of Motor Vehicles Act, 1988 may be made:-

- By the person who has sustained the injury, or

- By the owner of the property, or

- Where the death has resulted from the accident, by the legal representative/s of the deceased, or

- By any agent duly authorized by the person injured.

We the team of lawyers and legal consultants guides you for the proper filing of motor vehicle accident cases in the appropriate courts.