Nyaay is India's first accident management platform. After a road accident, we guide you through the first 60 minutes, identify the at-fault vehicle's insurer instantly via VAHAN, calculate your exact legal compensation entitlement, help you file Section 164 claims, and connect you with a verified MACT advocate — all in one place.

Yes — VAHAN vehicle lookup, compensation calculation, and the accident guide are completely free. Our ₹499/year Suraksha Plan adds Section 164 filing assistance. Our ₹1,499/year Plus Plan gives you full MACT claim management with a verified advocate. There are no hidden charges.

Section 164 of the Motor Vehicles Amendment Act 2019 entitles you to ₹2.5 lakh for grievous injury and ₹5 lakh for death — without proving fault, without a lawyer, without going to tribunal. The insurer must pay within 30 days by law. Almost no victim knows this exists. Nyaay files it for you.

Do not sign anything until you calculate your actual entitlement on Nyaay. Insurers typically approach families within 24–48 hours with offers that are 30–40% of your actual legal entitlement. Once you sign, it is final — you permanently waive your MACT rights. Use our free calculator first. It takes 2 minutes.

Under Section 140 (No-Fault Liability), the insurer must pay ₹25,000 for injury and ₹50,000 for death within 15 days — regardless of whose fault it was. No proof of negligence required. Under Section 164, payment must happen within 30 days. Nyaay files both simultaneously.

You are still entitled to compensation. Under the Solatium Scheme (Section 146 MV Act), the government compensates hit-and-run victims — ₹2 lakh for death and ₹50,000 for grievous injury. If the vehicle is uninsured, MACT can still award compensation from the owner directly. Nyaay guides you through both paths.

3 years from the date of the accident. However, do not wait — evidence fades, witnesses forget, and insurers become harder to negotiate with over time. File within 30 days for Section 164. File the MACT petition within 6 months for the strongest position.

No. Nyaay is a technology platform that provides legal information, claim management tools, document assistance, and connections to verified advocates. We are not a law firm and do not provide legal advice. Our advocate partners — independent registered lawyers — provide legal representation at MACT.

Yes — if you claim from your own insurer under the own-damage route, your NCB is wiped even if you were completely innocent. NCB can be worth up to 50% off your premium — ₹3,000–7,500 a year. Nyaay helps you avoid this by guiding you to file directly against the at-fault vehicle's third-party insurer instead, preserving your NCB entirely. If you do claim own-damage for speed, Nyaay supports your insurer's subrogation process so you can get your NCB reinstated — a right almost nobody exercises because they don't know it exists.

Knock-for-knock is an informal arrangement between Indian insurers — when both vehicles have comprehensive cover, each insurer pays for repairs to their own policyholder's car regardless of who caused the accident. It is fast and cashless, but your insurer records a claim against your policy and your NCB is forfeited even if the accident was entirely the other driver's fault. It is not a legal requirement — it is an industry practice that consistently disadvantages innocent policyholders. Nyaay routes you around it by filing directly against the at-fault vehicle's TP insurer.

Subrogation is your insurer's right — and on request, their obligation — to pursue the at-fault party's insurer to recover the money they paid on your claim. If the recovery succeeds, IRDAI regulations require your insurer to reinstate your NCB to what it was before the claim. You must request subrogation in writing — insurers do not do this automatically. Nyaay documents the accident, establishes clear liability, and supports your subrogation request with the evidence needed to make it succeed.

Yes. Two routes exist. First, the Motor Vehicles Amendment Act 2019 established a Motor Vehicle Accident Fund as a backstop — Section 164 no-fault compensation (₹5 lakh death, ₹2.5 lakh grievous hurt) is still payable even if the at-fault vehicle was uninsured. Second, for injuries or death you can file a MACT claim directly against the vehicle owner personally, who is liable regardless of whether their insurance was valid. Nyaay checks insurance status instantly via the VAHAN database the moment you send us the plate number.

No court needed for Section 164 claims. Under the MV Act 2019, the at-fault insurer must pay ₹5 lakh (death) or ₹2.5 lakh (grievous hurt) directly — no fault to prove, no MACT petition, no advocate. The insurer must respond within 6 months by law. If your actual loss is higher — a salaried person's MACT award might be ₹25–80 lakh — Nyaay calculates which route yields more for your situation and routes you accordingly. You should never have to choose blindly.

Yes. Section 164A requires the at-fault vehicle's insurer to pay interim compensation within 30 days of your claim — 25% of the likely compensation for grievous hurt (≈₹62,500), and 50% for death (≈₹2,50,000). This is paid before any court hearing. It exists to prevent families from financial ruin while a MACT case proceeds over years. Almost no one claims it because they don't know it exists. Nyaay automatically files a 164A interim relief request alongside every Section 164 or MACT claim filing.

Not with Nyaay. All MACT legal representation through Nyaay's Plus Plan is on a success-fee basis — the advocate is paid only after compensation is received, as a small percentage of the award. You pay nothing upfront. For a ₹40 lakh MACT award you would net approximately ₹36–37 lakh after fees. Compare this to the current market where unverified advocates charge ₹10,000–50,000 upfront plus 15–20% of the award regardless of outcome. No win means no fee — for you and for the advocate.

First — ensure an FIR is filed at the nearest police station under Sections 279 and 304A IPC. Photograph the accident scene, both vehicles, and number plates before anything is moved. Do not sign any document an insurer or the other party gives you. Then open Nyaay, enter the at-fault vehicle's number, and we will calculate your family's full entitlement immediately.

Under the Supreme Court's Sarla Verma formula (updated by Pranay Sethi 2017), compensation for a fatal accident includes: income × multiplier (based on age) + loss of consortium (₹40,000) + loss of estate (₹15,000) + funeral expenses (₹15,000) + future prospects addition. For a 30-year-old earning ₹20,000/month, the total typically ranges ₹35–55 lakh. Use our calculator for your exact figure.

No. Always insist on an FIR. Without it, insurers have grounds to reduce or reject your claim. The FIR establishes the accident, the vehicle details, and the circumstances. If the station refuses, file a complaint with the Superintendent of Police. Nyaay's guide walks you through exactly what to say.

For Section 164 claims — no lawyer needed. For MACT tribunal proceedings — yes, an advocate is required. Nyaay's Plus Plan (₹1,499/year) connects you with a verified MACT advocate on a success-fee basis, meaning you pay the advocate only after compensation is received. No upfront fees.

Yes. Nyaay's WhatsApp AI assistant responds in Kannada, Malayalam, Hindi, Tamil, and Telugu — in the same conversation, automatically detecting your language. Type or voice-message us in any language at +91 96065 90982 and we will guide you through every step in your language.

As a Nyaay dealer partner, your F&I desk offers the Nyaay Suraksha Plan (₹499/year) or Plus Plan (₹1,499/year) at the point of vehicle sale — alongside insurance and extended warranty. You earn a commission on every activation. No inventory, no liability, no operational burden. It takes 30 seconds per customer.

Dealer commission is 30% of the plan value per activation. On the ₹499 Suraksha Plan that is ₹150 per customer. On the ₹1,499 Plus Plan it is ₹450 per customer. A dealership activating 50 customers per month earns ₹7,500–22,500 in recurring passive income. Commissions are paid monthly directly to your account.

"This is Nyaay — India's first accident management app. If you ever have an accident, Nyaay instantly identifies the other vehicle's insurer, calculates your compensation entitlement, and helps you claim what you're legally owed — in your language, 24/7. For less than ₹500 a year, it's the one thing your car insurance doesn't do." That's your pitch. We provide training materials for your team.

No — Nyaay complements insurance. Insurance pays the claim. Nyaay ensures your customer knows what they're entitled to, claims every rupee, and isn't pressured into a low settlement. Dealers who offer both insurance and Nyaay are giving their customers complete accident protection.

WhatsApp us at +91 96065 90982 or fill the contact form below with "Dealer Partnership" in the message. We onboard new dealers within 48 hours — digital agreement, commission structure, F&I training materials, and your dealer dashboard access.

Nyaay operates seven revenue streams: consumer subscriptions (₹499–1,999/year), dealer F&I commissions, success fees on MACT claims (5–8%), Section 164 filing fees (₹2,499/claim), insurer data intelligence (B2B SaaS), white-label platform licensing to fleet operators and NBFCs, and a verified advocate network referral fee. The platform reaches profitability at 8,200 activated subscribers.

India records 4.5 lakh road accidents annually, with 1.7 lakh fatalities and 4.5 lakh serious injuries. MACT tribunals process ₹8,000 crore in annual claims — of which an estimated 60% is underclaimed due to lack of victim awareness. The total addressable market for accident management services in India exceeds ₹2,400 crore annually, growing at 12% year-on-year as vehicle density increases.

Nyaay is pre-seed, product-built, and seeking its first institutional round. The platform is live at getnyaay.in with VAHAN lookup, compensation calculator, Section 164 guide, DigiLocker document vault, and eCourts case tracker fully operational. Dealer partnerships are being activated in Karnataka and Kerala. For detailed traction metrics and financial projections, please contact us under NDA.

Four moats: (1) VAHAN + eCourts + DigiLocker API integration — 18+ months to replicate at scale; (2) verified MACT advocate network — relationship-built, not algorithmic; (3) dealer F&I distribution — embedded in the vehicle purchase journey, not consumer acquisition; (4) proprietary settlement benchmarking data — each claim processed makes our compensation intelligence more accurate.

We welcome conversations with strategic partners (legal platforms, insurers, fleet operators, NBFCs) and early-stage investors aligned with legaltech and fintech in India. Please WhatsApp +91 96065 90982 or use the contact form. All discussions are conducted under mutual NDA.