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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.
Motor CPA or owner-driver personal accident claim rejected? Learn who is covered, the ₹15 lakh framework, borrowed-vehicle issues, licence and exclusion disputes, evidence and how to appeal.
Hit-and-run victim or family? Learn the current Section 161 compensation amounts, 2026 claim process, documents, timelines, cashless-treatment rules and what happens if the vehicle is later identified.
Private car claim rejected for taxi or rideshare use? Learn how hire-or-reward restrictions, permits, app records and non-standard settlement cases affect the claim.
Motor claim rejected because your car was modified? Learn how Section 52, RC endorsement, insurer disclosure, aftermarket parts and causation affect the claim.
Flooded car or hydrolocked engine claim rejected? Learn when flood damage is covered, why engine damage may be called consequential loss, what Engine Protect covers and how to appeal.
Injured in a road accident or lost a family member? Learn the MACT process, Section 164 vs 166, insurer defences, compensation evidence, DAR system and the current six-month limitation dispute.
Motor claim rejected because the driver’s licence had expired? Check the current renewal law, policy wording, effective dates, own-damage vs third-party issues and appeal evidence.
Commercial vehicle claim rejected for expired permit, wrong route or fitness certificate? Learn what the law requires, when repudiation may be challenged and why 75% settlement is not automatic.
CNG or LPG kit missing from your RC or motor insurance policy? Learn when a claim may be disputed, what causation evidence matters, and how to challenge rejection.
Kshema General Insurance claim rejected or short-settled? Learn crop, hospital-cash and motor claim review, grievance escalation, Bima Bharosa and Ombudsman routes.
Go Digit General Insurance claim rejected or short-settled? Learn the grievance ladder, health and motor claim review, Bima Bharosa and Ombudsman routes.
HDFC ERGO claim rejected or short-settled? Learn the grievance escalation route, health and motor claim review, Bima Bharosa and Ombudsman options.
SBI General Insurance claim rejected or short-settled? Learn the grievance stages, health and motor claim review, Bima Bharosa and Ombudsman routes.
Bajaj General Insurance claim rejected or short-settled? Learn the grievance ladder, claim review steps, Bima Bharosa and Insurance Ombudsman escalation.
ACKO General Insurance claim rejected or short-settled? Learn how to challenge the decision and escalate through ACKO, Bima Bharosa and the Insurance Ombudsman.
Zuno General Insurance claim rejected or short-settled? Learn the insurer’s grievance route, Bima Bharosa and Insurance Ombudsman escalation options.
Shriram General Insurance claim rejected or short-settled? Learn the insurer’s grievance ladder, Bima Bharosa and Insurance Ombudsman escalation routes.
Generali Central Insurance claim rejected or short-settled? Learn the insurer’s grievance ladder, Bima Bharosa and Insurance Ombudsman escalation routes.
Zurich Kotak General claim rejected or short-settled? Learn the insurer’s grievance ladder, Bima Bharosa and Insurance Ombudsman escalation routes.
Universal Sompo claim rejected or short-settled? Learn the insurer’s grievance ladder, Bima Bharosa and Insurance Ombudsman escalation routes.
Liberty General claim rejected or short-settled? Learn the insurer’s grievance ladder, Bima Bharosa and Insurance Ombudsman escalation routes.
Magma General claim rejected or short-settled? Learn the insurer’s grievance ladder, Bima Bharosa and Insurance Ombudsman escalation steps.
Raheja QBE claim rejected, delayed or short-settled? Learn the insurer’s grievance ladder, Bima Bharosa and Insurance Ombudsman escalation routes.
Tata AIG claim rejected, delayed or short-settled? Learn the insurer’s grievance process, Bima Bharosa and Insurance Ombudsman escalation routes.
Royal Sundaram claim rejected, delayed or short-settled? Learn the insurer’s grievance ladder, Bima Bharosa and Insurance Ombudsman escalation routes.
IndusInd General claim rejected, delayed or short-settled? Learn the insurer’s grievance ladder, Bima Bharosa and Insurance Ombudsman escalation routes.
IFFCO Tokio claim rejected, delayed or short-settled? Learn the insurer’s grievance process, Chief Grievance Officer, Bima Bharosa and Insurance Ombudsman escalation routes.
Navi General claim rejected, delayed or short-settled? Learn the insurer’s grievance ladder, Bima Bharosa and Insurance Ombudsman escalation routes.
Chola MS claim rejected, delayed or short-settled? Learn the insurer’s grievance ladder, Bima Bharosa and Insurance Ombudsman escalation routes.
ICICI Lombard claim rejected, delayed or short-settled? Learn the insurer’s 3-step grievance process, Bima Bharosa and Insurance Ombudsman escalation routes.
National Insurance claim rejected, delayed or short-settled? Learn how to challenge the decision through the issuing office, grievance cells, CRM/GRO, Bima Bharosa and the Insurance Ombudsman.
United India Insurance claim rejected, delayed or short-settled? Learn how to challenge the decision through the issuing office, UIIC grievance system, Head Office, Bima Bharosa and the Insurance Ombudsman.
Oriental Insurance claim rejected, delayed or short-settled? Learn how to challenge the decision through the policy office, grievance cells, Customer Care, Bima Bharosa and the Insurance Ombudsman.
New India Assurance claim rejected, delayed or short-settled? Learn how to challenge the decision through the policy office, regional grievance channel, Head Office, Bima Bharosa and the Insurance Ombudsman.
Car total loss or constructive total loss (CTL)? Understand the 75% IDV classification rule, surveyor calculations and salvage deductions before accepting a settlement.
Car stolen in India? Learn the theft insurance claim process, FIR and non-traceable certificate requirements, key documents and what delayed insurer intimation can mean.
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.
After a Tata Indica broke down on a Delhi road, its owner locked it, moved it aside, covered it with branches and went for a mechanic. The car was stolen. The South Delhi commission found National Insurance had not proved lack of reasonable care and ordered ₹2.06 lakh with interest plus ₹20,000 compensation and costs. The result turned on the owner's precautions and the claim record.
Kesri Devi's comprehensive policy identified her Komki electric cycle as a slow-speed, non-RTO vehicle. When Chola MS rejected a damage claim for want of registration, the Hamirpur commission found that this certified vehicle did not need it. The order awards ₹15,526.50 assessed loss with interest and ₹10,000 compensation and costs; other electric two-wheelers need their own classification checked.
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.
