Car & Bike Insurance Claims: From Rejection to Full Settlement
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.
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.
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.
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.