Motor Claim Dispute? You Are Not Out of Options.
Total loss undervaluation, repair cost cuts, third-party delays — we handle them all.
Motor insurance has the highest dispute rate of any insurance line. Total loss valuations are routinely cut by 20–40%. Cashless garages get fewer approvals than reimbursement. Third-party claims drag through the Motor Accident Claims Tribunal for years.
The most common own-damage dispute is undervaluation on total loss. Insurers use depreciation tables that are out of step with actual market value. We benchmark against current second-hand market prices and prepare a counter-valuation report.
Repair cost disputes are another common issue. Surveyors often disallow legitimate parts and labour. The fix is to get an independent surveyor's report and challenge each disallowance with photographs and invoices.
Third-party MACT claims require a different playbook. The compensation amount depends on income proof, age, dependents, and disability percentage. Most claimants under-claim because they do not know the multiplier method or the Sarla Verma standards. We brief your lawyer or appear with them.
BimaHaq handles motor disputes end-to-end. From the first survey to the final Ombudsman or MACT award, we keep you informed in plain English.
Frequently asked questions
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