Drive Aware. Claim Smart. Stay in Safer Hands.

Filing a motor insurance claim may seem simple, but even one mistake can result in rejection or delay. At KlaimPower, we help you file smarter by highlighting the most common errors people make—and how to steer clear of them.

1. Filing a Motor Insurance Claim Without an FIR

Failing to file a First Information Report (FIR) is one of the biggest mistakes. It’s often required by insurers as legal proof of the accident. Without it, your claim may be denied—even if valid.

2. Moving the Car Before Insurer Inspection

Unless your vehicle is blocking traffic or causing danger, don’t move it before the police or insurance surveyor inspects the scene. Premature movement can make your claim look suspicious.

 3. Poor Documentation of the Accident Scene

Always take multiple clear photos of the damage, the vehicle’s position, location markers, and weather conditions. Gather CCTV footage or witness statements if available. Proper documentation strengthens your claim.

 4. Delaying the Accident Claim Filing

Most insurers have tight deadlines for reporting claims. If you delay, your claim may get rejected. Use KlaimPower’s Policy Analyzer Tool to track deadlines and prepare in time. You can also refer to Policyholder Rights Guidelines by IRDAI for a better understanding of reporting timelines.

5. Using Personal Vehicles for Commercial Use

If you’re using your car for deliveries, ride-sharing, or rentals without commercial insurance, your personal motor policy becomes void. Check IRDAI guidelines on vehicle use to stay compliant.

6. Letting Unlicensed Drivers or Overloading the Vehicle

Allowing someone without a valid license to drive or overloading your vehicle beyond seating capacity violates your insurance policy and leads to claim rejection.

7. Driving Under the Influence

Accidents caused under the influence of alcohol or drugs are strictly excluded by all insurance companies. These cases may also attract legal action. Read Section 185 of the Motor Vehicles Act for full legal consequences. Also, check Safe Driving Guidelines by MoRTH to stay updated on safety standards.

8. Claiming for Damages Not Covered by Your Policy

For example, engine damage from flooding won’t be covered unless you’ve purchased an Engine Protection Add-on. Use KlaimPower’s Policy Analyzer to check what’s included in your plan.

 9. Ignoring Hidden or Long-Term Losses

Many forget to include medical bills, lost income, or future treatments in their claims. KlaimPower’s Claim Estimator helps you calculate full compensation beyond car repairs.

10. Saying the Wrong Things to Insurers

Admitting fault, guessing, or making casual remarks can weaken your claim. Let KlaimPower’s legal experts assist you before speaking to the insurer.

 Avoid Claim Rejection – File the Smart Way

Avoiding these top motor insurance claim mistakes ensures faster, smoother settlements. KlaimPower gives you the tools to stay protected and informed:

• Policy Analyzer – Uncover gaps in your insurance coverage

• Claim Estimator – Know your rightful compensation

• Legal Help on Demand – Get expert advice when you need it most

Need Help With a Claim?

Visit www.klaimpower.com or WhatsApp us at +91 88260 44099 to get your motor policy reviewed—free of cost.