Insurance claim topic
Guides, judgments and practical updates on motor insurance claim disputes in India.
Topic collection
Accident claims, own-damage disputes, surveyor issues and motor-claim decisions.
The Delhi High Court held that a Section 166 MACT claim could not impose statutory liability on the owner or insurer on these facts. Any personal-accident policy claim is contractual and depends on the policy wording, which the family may pursue before the insurer and, if necessary, another competent forum.
Choosing the right car insurance involves more than just comparing premiums. Check the latest claim settlement ratios of top insurers like ACKO, HDFC ERGO, Go Digit, ICICI Lombard, and SBI General to make an informed decision.
Parked vehicles can suffer theft, flood, vandalism and falling-object losses, but coverage depends on the motor policy, precautions taken and the facts. Consumer decisions show that open or roadside parking does not automatically defeat a theft claim, yet parking location is not legally irrelevant in every case.
A consumer commission has ordered an insurer to pay Rs 2.26 lakh after it rejected a car theft claim, arguing the owner had parked negligently under tree branches on a public road. The commission cited Supreme Court precedent and held that theft claims must be settled on a 'non-standard basis' — parking location is irrelevant.
A Himachal Pradesh consumer commission has ordered Cholamandalam MS General Insurance to pay over Rs 25,500 after it rejected a comprehensive insurance claim for a damaged electric cycle solely because it was not registered with the RTO. The commission called the repudiation 'flimsy, arbitrary, and legally unsustainable' and a 'clear sign of bad faith.' Here is why this ruling matters for every electric vehicle owner in India.
The Supreme Court has directed IRDAI, in consultation with the Road Transport Ministry, to deliberate on and evolve a pilot linking fuel access with valid third-party motor insurance. It is a pilot-development direction, not yet a nationwide no-fuel rule.
A Delhi consumer commission ordered National Insurance to pay Rs 11.65 lakh in a stolen-Fortuner dispute where the buyer had applied for RC transfer immediately but the theft occurred before the RC was issued. The ruling is case-specific and does not override IRDAI's general 14-day insurance-transfer rule for own-damage cover.
Reports say CBI FIRs were registered after an internal United India Insurance vigilance exercise concerning alleged fake motor claims in Kota. The allegations should be treated as allegations unless and until established through investigation or court findings.
The government says E20 fuel won't void your motor insurance. But here's the catch: while your policy remains valid, claims for E20-related damage in older vehicles may still be rejected. Here's what every vehicle owner must know.
