#motor insurance liability

The Madhya Pradesh High Court ruled that insurers cannot escape third-party liability under the Motor Vehicles Act merely by claiming a premium cheque was dishonoured-they must prove they issued proper notice to the policyholder and RTO. This reinforces that statutory protection to accident victims overrides technical insurance defences, ensuring claimants aren't left uncompensated due to procedural lapses by insurers.

Chhattisgarh High Court rules that insurers cannot reject compensation claims under Section 147 of the Motor Vehicles Act, 1988, if the deceased passenger was a helper or authorized representative of the vehicle owner. The judgment clarifies that such passengers are not 'gratuitous' and thus fall within the scope of insurable liability, impacting motor insurance claims and third-party liability disputes.