Under section 164 of the Motor Vehicles Act, 1988, the owner of the vehicle or the authorised insurer…

Section 164(1) of the Motor Vehicles Act, 1988 makes the owner or the authorised insurer liable to pay ₹5 lakh in case of death or ₹2.5 lakh in case of grievous hurt due to any accident arising out of the use of a motor vehicle, and section 164(2) dispenses with proof of wrongful act, neglect or default. It does not cover damage to third-party property (covered by the compulsory policy under section 147 and claimed before the Claims Tribunal under sections 165-166 on proof of liability), simple hurt, or damage to the owner's own vehicle, which is a matter for an own-damage policy. (Formerly, s.143 applied the no-fault Chapter X to Workmen's Compensation Act claims for death or permanent disablement.)