Car & Bike Insurance Claims: From Rejection to Full Settlement
Demand written rejection with the cited clause; file with the Grievance Officer; escalate to IRDAI Bima Bharosa; then the Insurance Ombudsman - free up to Rs 30 lakh and binding on the insurer.
Three claim types
Third-party claims cover damage you cause to others; own-damage claims cover your vehicle from accident, theft, fire, or calamity; total-loss claims apply when the vehicle is beyond economic repair or stolen beyond 90 days.
Checklist
File FIR if needed; photograph everything immediately; collect witness details; submit within the intimation window; keep the surveyor report; track the 15-day settlement rule.
End-to-end claim handling - documentation, surveyor liaison, IDV disputes, and Ombudsman escalation - is done daily by claim recovery experts. See the motor insurance claim assistance service for free guidance.