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Mumbai : Truck hit my car : No fault of mine


19-Sep-2025 (In Motor Accident Law)
Truck hit my car from the right while I was driving on the left, causing total damage to the right backdoor. Rorted the incident to police, submitted the truck driver’s licence and insurance details, and received the complaint copy. The truck driver’s insurer says claims must go through MACT. Is pursuing MACT—with associated time, effort, and legal costs—likely to yield reasonable compensation, or is it preferable to use my own insurance for repairs? Please advise which route is most beneficial.
Answers (2)

Answer #1
735 votes
if you are having your own comprehensive policy then it is the best to go for self insurance claim while if your having the third party insurance in that case you will have to take the legal course of action and claim for the damages from the truck driver truck owner
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Advocate Anish Palkar

Adv. Anish Palkar

LawRato Mumbai | 200+ Answers
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Answer #2
533 votes
It is your choice to use the requisite funds from your own Insurance Company to get the loss restored or to go via MACT, both options are good, but both the options may cause significant delay due to procedural formalities.
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Advocate Pankaj Bajaj

Adv. Pankaj Bajaj

LawRatoPune | 700+ Answers
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