Motor Insurance Claim Rejected? Recovery Steps That Work in 2026
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.
IDV: know your number
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.
The 15-day rule
IRDAI requires settlement within 15 days of the complete surveyor report. Delays beyond that without cause trigger interest liability for the insurer - keep the clock your ally.
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.