Supreme Court addresses the critical need for cashless medical treatment for motor vehicle accident victims, particularly during the “golden hour”the crucial time immediately following an injury. It highlights that while the Motor Vehicles Act, 1988, and subsequent amendments mandate insurance companies and the government to provide such treatment and establish a dedicated Motor Vehicle Accident Fund, a formal scheme for cashless treatment has not yet been fully implemented. The court issues directives to the Central Government to create this scheme promptly, emphasizing its importance for upholding the right to life and saving lives by ensuring timely medical care. Additionally, the document touches on the processing of claims for hit-and-run accident victims and the development of a portal to streamline this process.
(A) Motor Vehicles Act, 1988, Section 162, 164B – Central Motor Vehicles, (Motor Vehicle Accident Fund) Rules, 2022, Rule 11 and 12 – Motor Vehicle Accident Fund – Cashless treatment for the victims of motor vehicle accidents – The provision made in Section 162 for framing a scheme for providing cashless treatment in the golden hour seeks to uphold and protect the right to life guaranteed by Article 21 of the Constitution – Moreover, it is a statutory obligation of the Central Government to frame the scheme – Held that more than reasonable time was available to the Central Government to frame the scheme under Sub-Section (2) of Section 162 – Once the scheme is framed and its implementation starts, it will save the lives of several injured persons who succumb to injury simply because they do not receive requisite medical treatment during the golden hour – Central Government directed to make a scheme in terms of Sub- Section (2) of Section 162 of the MV Act as expeditiously as possible and, in any event, by 14th March 2025 – No further time shall be granted – A copy of the scheme shall be placed on record on or before 21st March 2025, together with an affidavit of the concerned officer of the Ministry of Road Transport and Highways explaining the manner in which the scheme will be implemented – To consider the affidavit, the petition directed to be listed on 24th March 2025 at the end of the list.
(Para 8 and 9)
(B) Motor Vehicles Act, 1988, Section 166 – MACT – Hit and run cases – GIC agreed to process the claims under the scheme for hit-and-run accidents based on seven documents which are as follows: 1. Copy of FIR’; 2. Copy of Post Mortem Report/ Injury Report’; 3. Copy of Death Certificate; 4. A copy of the Bank passbook/ Bank Statement of the Claimants, which gives details regarding the name of the bank, IFC Code, branch, etc.; 5. Copy of ID proof of the claimant; 6. Copy of ID proof of the victim; 7. Any amount received due to cashless treatment as per Clause 22(2) of the scheme. – GIC directed to process the claims on the basis of the documents mentioned above
(Para 11)
S.Rajaseekaran V. Union Of India And Ors.
Supreme Court: 2025 INSC 45: (DoJ 08-01-2025)