Practice: After a Crash: Police Report, Insurance & Compensation

Choose an answer to see straight away whether it is right, and why. Read the rule first if you need to.

Question 1 of 10

After a crash, when should you inform your insurer?

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Answer B. Inform your insurer straight away and wait for the survey before repairs. Late reporting can lead to a claim being rejected.

Question 2 of 10

Under Section 164 of the Motor Vehicles Act, what fixed compensation is payable for a death, without proving fault?

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Answer C. Section 164 provides fixed no-fault compensation of ₹5 lakh for death and ₹2.5 lakh for grievous hurt. Fuller fault-based compensation can be claimed under Section 166.

Question 3 of 10

Within how many hours must the police send a First Accident Report to the Claims Tribunal and insurer?

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Answer B. Since 1 April 2022, the CMV Rules require a First Accident Report within 48 hours.

Question 4 of 10

Where is a claim for compensation for injury or death in a road crash made?

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Answer B. Claims go to the MACT where the crash happened, where the claimant lives or works, or where the defendant lives.

Question 5 of 10

What fixed, no-fault compensation is payable for grievous hurt under Section 164?

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Answer D. Section 164 provides ₹5 lakh for death and ₹2.5 lakh for grievous hurt, without proving fault.

Question 6 of 10

What should you NOT do at the scene of a crash, even under pressure?

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Answer A. Do not sign any paper or make any payment at the scene under pressure. Leave blame to the police and insurers.

Question 7 of 10

Your car was damaged in a crash. When should you start repairs?

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Answer B. Starting repairs before the survey can lead the insurer to refuse payment.

Question 8 of 10

Does compulsory third-party insurance pay for damage to your own car?

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Answer B. Third-party insurance (Section 146) covers death, injury and property damage to others.

Question 9 of 10

Within what time does Section 166(3) say a compensation claim should be filed?

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Answer A. Section 166(3) says six months. The Supreme Court has told Tribunals not to reject claims only for delay while it decides the issue, but file as early as you can.

Question 10 of 10

Why should you save dashcam or CCTV footage quickly after a crash?

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Answer B. Evidence decides claims. Save footage before it is overwritten, and keep photos and witness details.