Legal Foundation: What the Law Says Vehicle insurance in India is primarily governed by: The Motor Vehicles Act, 1988 (as amended by the Motor Vehicles Amendment Act, 2019) Regulations of the Insurance Regulatory and Development Authority of India (IRDAI) Under Section 146, every motor vehicle operating in a public place must be insured against third-party risk. Driving without valid insurance is a criminal offence, punishable under Section 196 with fines or imprisonment. Ty

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