Motor insurance claims involve complex calculations for total loss (IDV disputes), third-party liability assessments, garage cashless network issues, and surveyor report disputes. Our automotive and claims experts ensure you receive fair IDV settlements and proper repairs through authorized network garages. We also handle third-party injury and property damage claims.
Practical guidance for common insurance questions
Ask the insurer for the settlement calculation and the surveyor's assessment, then compare the deductions with your policy terms and supporting repair or valuation documents. If you disagree with the assessment, document each disputed deduction and submit a written representation with evidence supporting the amount you believe is payable.
You can raise concerns about an assessment with the insurer and provide supporting evidence such as repair estimates, photographs, invoices, valuation information, or other relevant records. Whether the assessment changes depends on the policy, the evidence, and the circumstances of the loss.
Useful records can include the policy schedule, claim form, surveyor report, repair estimates and invoices, photographs of the damage, vehicle registration and other required documents, accident or police records where applicable, and all correspondence with the insurer or garage.
Assess damage & IDV calculation
Review surveyor report for fairness
Challenge undervaluation
Negotiate with insurer/TPA
Ensure cashless garage approval
Finalize settlement or repairs
Common questions about motor insurance claims
Absolutely. IDV should reflect the market value of your vehicle. We use independent valuation reports and IRDAI guidelines to challenge lowball IDV offers and secure fair settlements.
For cashless claims, you must use a network garage. If none is satisfactory, you can opt for reimbursement and choose any garage. We help you navigate both options.
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