Car & Bike Insurance Claims: From Rejection to Full Settlement
File FIR if needed; photograph everything immediately; collect witness details; submit within the intimation window; keep the surveyor report; track the 15-day settlement rule.
Surveyor interaction
The insurer's surveyor determines your payout. Be present, ask questions, keep copies of everything, and contest an undervalued assessment in writing - surveyor reports are recommendations, not final verdicts.
The documentation list
Police FIR where required, RC copy, a valid driving license, photos of the scene and damage from every angle, and a repair estimate from an authorized garage. Most delays trace back to one missing item.
Three claim types
Third-party claims cover damage you cause to others; own-damage claims cover your vehicle from accident, theft, fire, or calamity; total-loss claims apply when the vehicle is beyond economic repair or stolen beyond 90 days.