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LMV-T — Light Motor Vehicle Transport (post Mukund Dewangan + 2023 referral)

LMV-T — Light Motor Vehicle Transport (post Mukund Dewangan + 2023 referral). LMV-T is the transport-vehicle authorisation on an LMV licence, enabling the. — DigiSurvey.

What it covers क्या कवर होता है

LMV-T is the transport-vehicle authorisation on an LMV licence, enabling the holder to drive a commercial / fare-paying / goods LMV of GVW not exceeding 7,500 kg — taxi, auto-rickshaw (where LMV instead of LRV), light goods carriers (Tata Ace, Mahindra Jeeto, Bolero Pik-Up). Minimum age 20, 1 year of LMV-NT experience, and a Transport Badge issued by RTO.

LMV-T — LMV licence पर transport-vehicle authorisation, जो धारक को 7,500 kg GVW तक की commercial / fare-paying / goods LMV (taxi, auto-rickshaw जहाँ LMV, light goods carriers जैसे Tata Ace, Mahindra Jeeto, Bolero Pik-Up) चलाने की अनुमति। न्यूनतम उम्र 20, 1 साल का LMV-NT अनुभव, और RTO द्वारा Transport Badge।

Policy wording sample"The Transport-vehicle use of the Light Motor Vehicle shall at all times be covered by a Transport-endorsed Driving Licence, together with the Transport Badge issued by the Regional Transport Office. The applicability of this requirement to a Light Motor Vehicle not exceeding 7,500 kg Gross Vehicle Weight shall be as determined by the law prevailing on the date of the loss."

Surveyor's verdict / key conditions सर्वेयर की जाँच

Verdict

CRITICAL — 2017 Mukund Dewangan vs Oriental Insurance Supreme Court ruling held that an LMV (non-transport) licence is sufficient to drive a transport LMV up to 7,500 kg GVW; this is being re-examined by a Constitutional Bench (judgment reserved in Bajaj Allianz vs Rambha Devi, 2023). PENDING final ruling, insurers often repudiate / Pay-and-Recover; most courts and tribunals continue to follow the 2017 line. Record both facts in the compliance block and attach the DL copy — do NOT give a final legal view yourself.

महत्वपूर्ण — 2017 के Mukund Dewangan vs Oriental Insurance Supreme Court ruling में कहा गया कि LMV (non-transport) licence 7,500 kg GVW तक transport LMV चलाने के लिए पर्याप्त है; अब Constitutional Bench इसकी पुनः जाँच कर रहा है (Bajaj Allianz vs Rambha Devi, 2023 — judgment reserved)। अंतिम ruling तक, insurers अक्सर repudiate / Pay-and-Recover करते हैं; अधिकांश courts और tribunals 2017 line follow करते हैं। compliance block में दोनों तथ्य record करें और DL copy attach — खुद अंतिम कानूनी राय न दें।

Reference material — verify figures against the current IRDAI master circular and quote the actual policy wording in the report.

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