Explore Claim Guides

India’s Motor Insurance Claims Resource

Motor insurance claims, explained — and exactly what to do when one goes wrong.

Clear, experience-based guidance on filing, disputing and winning motor-insurance claims in India — from a claims professional who spent 21+ years on the assessor’s side of the table.

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Two decades inside the claims rooms of India’s major insurers — now on your side of the table.

  • 21+years in motor-insurance claims
  • 5major insurers — Liberty, ICICI Lombard, Bajaj Allianz, Future Generali, Magma HDI
  • IRDAILicentiate Examination Qualified
  • President’s Award — Liberty Mutual, Boston

Independent & educational — we don’t sell insurance.

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Where are you right now?

Pick the situation that fits and go straight to the guidance — no scrolling through a blog.

My claim was rejected The surveyor reduced my payout I need to file a claim Compensation & legal rights Policy, NCB & coverage Repairs, EV & vehicle issues

The cornerstone guide

Motor Insurance Claim Process in India (Car & Bike): Step-by-Step Guide + Rejection Traps to Avoid

If you read one guide, read this. The complete claim journey — from the first phone call to the final settlement — and the rejection traps that catch most people.

Read the complete guide

17 min read · Car & bike

  1. Claim intimation
  2. Surveyor inspection
  3. Approval & queries
  4. Repair
  5. Settlement

Essential reading

The guides every motorist should read

Hand-picked, not “latest” — the guides that prevent the most expensive mistakes.

Browse all guides →
Claim Rejections Insurance Claim Rejected? Real Reasons & What You Can Do Next? You’ve just received the email. Or the letter. Maybe it was a phone call. Your motor insurance claim has been rejected. The shock hits… 8 min read
  1. Claim Process FIR for Motor Insurance Claim in India: When Is It Mandatory? (2025 Complete Guide) 9 min read
  2. Consumer Rights Motor Accident Compensation in India: A Practical Guide 9 min read
  3. Policy & Coverage No Claim Bonus (NCB) in Car Insurance: How It Works in India 5 min read
  4. Vehicle Guides Electric Vehicle Service History: EV Maintenance Records Explained (2025) 19 min read

Free tools

Put the knowledge to work

Checklists The first 72 hours after a rejection; the documents you need to file. Open → Templates Dispute letters and complaint formats you can adapt to your case. Open → Glossary Every claim term — IDV, NCB, discharge voucher — in plain English. Open →

Watch & learn

See real claims explained on video

Accident case studies, surveyor walk-throughs and rejection breakdowns — on the Motor Claim Expert YouTube channel.

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Not sure your claim was handled fairly?

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Tell us what happened and we’ll help you understand the process, the pitfalls and the questions worth asking. No cost, no sales.

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“I spent 21 years deciding motor claims from the inside. Motor Claim Expert exists so that you walk into yours knowing what I know.”
Raju Patvekar Founder · Motor Claim Expert

About Raju → Credentials →