MOTOR VEHICLES ACT, 1988, Sections 166 and 163-A — Maintainability — Insurer as a third party claim but for at best from stepping into the shoes of the 1st respondent — Owner for not a third party, if at all covered by personal accident claim to approach either District Consumer Forum under the Consumer Protection Act or to seek other alternative remedy and not to maintain the claim petition under Section 166 of M.V. Act
