Motor Claim Settlement in 30 Days: The Document-Driven Method
IDV is what the insurer pays on total loss - the vehicle's current market value, not its purchase price. IDV disputes are among the most common motor complaints that reach the Ombudsman.
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.
Escalation path
Demand written rejection with the cited clause; file with the Grievance Officer; escalate to IRDAI Bima Bharosa; then the Insurance Ombudsman - free up to Rs 30 lakh and binding on the insurer.
End-to-end claim handling - documentation, surveyor liaison, IDV disputes, and Ombudsman escalation - is done daily by claim recovery experts. See the motor insurance claim assistance service for free guidance.