What is Section 184 of the Motor Vehicle Act?

The Indian government has amended the previous Motor Vehicle Act of 1988 to make traffic laws more stringent. The revised Motor Vehicles Act of 2019 was enacted to prevent traffic violations and accidents. The penalty structure has also been altered under the amended MV Act, and large fines have been imposed on traffic law violators. Section 184 of the Motor Vehicles Act is often known as the 184 MV Act.

Overview of Section 184 of Motor Vehicle Act

Every motor vehicle driver must follow the rules. If a motor vehicle owner is found to be breaking the law, he or she will be found guilty and penalized significantly. The Indian government has made certain revisions to the provision of the Motor Vehicle Act of 1988, titled "Dangerous Driving."

Anything that causes distress/alarm to road users, occupants, and others around the roadways will be punished for the first offence. That might also result in a six-month prison sentence or even a fine of up to Rs 5000, but no less than Rs 1000 would also be imposed.

In the case of a subsequent or second offence committed within three years of the previous offence, the prison term would be increased to two years, and a fine of Rs 10,000 would be imposed.

Penalties of the Motor Vehicle Act Section 184

The penalties that are imposed under Section 184 of motor vehicle act are as follows:

  • For the first offence, the motor vehicle act section 184 imposes imprisonment for up to six months, which can be extended to a year, as well as a 1,000 fine or both. A second or subsequent offence committed within three years of the conduct of a previous similar offence will result in up to two years in prison, a heavy 10,000 fine, or both.
  • Section 184 of motor vehicle act fine is applied only after specific conditions have been considered. Speeding, breaching a stop sign, overtaking a vehicle, jumping red lights, and other offences carry a 10,000 fine.

Relationship Between Section 184 of the Motor Vehicle Act and Motor Insurance

A third-party car insurance policy is required to drive on public highways under the Motor Vehicle Act of 1988. Section 184 of the Motor Vehicle Act is associated with the insurance provisions, which state that no one should drive a motor vehicle in a public area unless they have third-party liability insurance.

Types of Insurance Policies

Here is the list of types of insurance policies:

a) Third Party Motor Insurance

Third-party automobile insurance is a policy that protects you from a third-party claim in the event of an accident. You are the first party under the policy, the 2nd party is the insurance company, and the 3rd party is the owner of the car who suffers vehicle damage or injury as a result of your negligence.

The insurer only covers losses to the third party under a third-party car insurance policy. The insurance does not cover any loss to you or your vehicle caused by an accident, theft, vandalism, natural disaster, or other unforeseen events. As a result, while driving your vehicle on the road, be sure you have the required third-party coverage. If you don't have one, you could face harsh consequences.

b) Own Damage Insurance

This coverage protects the policyholder in the event of an accident. As the name implies, it exclusively covers the policyholder's "own" or personal damages. Since third-party insurance is required by the Motor Vehicles Act, one must get separate third-party insurance coverage to drive legally.

c) Comprehensive Insurance

This is comprehensive insurance coverage that covers both personal damages and third-party liabilities in a single policy. This policy offers wide coverage and the possibility of adding extra riders to supplement the existing policy.

Advantages of Motor Insurance

  • Personal accidents are covered under car insurance. It covers a person's lifelong impairment and compensates them in the event of an accident.
  • Insurance protects the vehicle from damage caused by natural catastrophes, man-made disasters, fire, explosions, theft, accidents, terrorist attacks, riots, and other calamities. It also covers damages sustained while travelling by rail, road, or inland waterways, among other modes of transportation.
  • Covering third-party liabilities might cost a lot of money. When such big damages are required, insurance might provide financial assistance.
  • One can benefit from cashless claims, which state that a policyholder does not have to pay for the damages upfront and instead allows the insurance company to directly settle the bills with the network garage. 
  • If a person does not file for a claim throughout the term of their policy, they are eligible for a No Claim Bonus at the time of policy renewal. Policy renewals can be discounted by up to 50%.
  • Most modern insurance firms have network garages that work in unison with them. By visiting a network garage, one can quickly obtain cashless claim rewards.
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