Claim Rejections
CNG/LPG Kit Not Declared? Why Your Claim Was Rejected — and When It Shouldn’t Be
An undeclared CNG/LPG kit is a real breach, but it doesn't automatically kill your claim. The decisive question is whether…
Guides by Raju Patvekar
Consumer Rights
Insurer Delaying Your Motor Claim Beyond 30 Days? Your IRDAI Rights + Interest
A delayed motor claim is not a dead claim. IRDAI puts hard deadlines on every stage and makes the insurer…
Policy & Coverage
IDV Explained: How It’s Calculated and Why Higher Isn’t Always Better
IDV quietly decides what you pay and what you get if your car is written off — and "set it…
Policy & Coverage
EV Car Insurance in India: How It’s Different (Battery, Fire, Charging)
"Electric cars are cheaper to insure" is half true — and the other half can cost you. A claims professional…
Claim Process
How Surveyors Assess Car Damage: What Happens After You File
The survey is where your claim is really decided — and most owners have no idea what happens in it.…
Claim Rejections
Flood Claim Rejected? Consequential Loss vs Accidental Damage (India)
Comprehensive insurance covers flooding — so why are flood claims rejected? A claims professional explains the invisible line between accidental…
Consumer Rights
How to Reply to a Claim Repudiation Letter (Free Template) — India
A repudiation letter is a position, not a verdict — and your reply is the most important document in the…
Consumer Rights
Insurance Ombudsman for Car Claims: How to File and Win (₹50 Lakh Limit)
There is a free, out-of-court forum that can order your insurer to pay — and most policyholders never use it.…
Claim Rejections
Claim Rejected for Late Intimation? Why the Delay Alone Rarely Wins (India)
Delay in intimation, on its own, is rarely a lawful reason to reject a genuine motor claim. A claims professional…
Policy & Coverage
Is the EV Battery Covered by Insurance in India? What You Actually Need to Know
The battery is 40-60% of your electric car's value - so is it covered? A claims professional explains what insurance…
Claim Process
Total Loss and Constructive Total Loss (CTL): The 75% Rule Explained
A total loss is the quietest way an insurer can underpay you. A claims professional with 21+ years explains the…
Claim Rejections
Engine Seizure Claim Rejected? Hydrostatic Lock and Why Insurers Say No
Most engine seizure claims are not rejected because of the flood — they are rejected because of what the owner…