Yes, an injured person can generally claim compensation for medical expenses from the insurance company of the vehicle responsible for the accident, provided the vehicle had valid third-party insurance and the injury resulted from the accident. Third-party motor insurance is mandatory in India and covers liability for injuries caused to others.
The injured person may claim expenses such as hospitalisation, surgery, medicines, diagnostic tests, treatment, and other reasonable medical costs related to the accident. A claim can be made before the Motor Accident Claims Tribunal (MACT), along with other compensation that may be available for pain and suffering, loss of income, disability, and future medical needs, depending on the circumstances.
It is important to preserve medical bills, prescriptions, hospital records, diagnostic reports, discharge summaries, accident documents, and proof of income because these documents can help establish the extent of the injury and the expenses incurred.
There is also a separate cashless-treatment mechanism for eligible road accident victims under the current government scheme, which provides treatment up to the prescribed limit at designated hospitals.
In short, an injured third party can seek medical-expense compensation from the responsible vehicle's insurer, but the amount and eligibility depend on the accident circumstances, insurance coverage, medical evidence, and the applicable legal claim process.
