Motor insurance claim guides, written for surveyors.
Clear, practical explainers on the questions that decide a motor claim — proximate cause, admissibility, and how damage is actually assessed in the field. Written for licensed surveyors and loss assessors in India. Every example uses illustrative figures, not real claim data.
Motor vehicle survey guide — parts, AI damage & spot reports
Labelled parts for car, two-wheeler, truck, bus, three-wheeler, tractor & ambulance, where the chassis & engine numbers are, AI damage & parts detection, OEM rate lookup, and a defensible spot-report method.
Read guide → Diagnostics · Sensors & DTCAutomotive sensors & DTC fault codes — a surveyor's reference
MAF, MAP, TPS, oxygen/lambda, NOx, EGT, ABS, crankshaft, camshaft, TPMS and more — function, failure symptoms and common OBD codes, with the caveat that a DTC isn't proof a sensor failed.
Read guide → Engineering & CE · 10 machinesHeavy equipment & CE survey — parts, spot reports & AI assessment
Labelled parts for excavator, backhoe, loader, dozer, grader, roller, hydra crane, forklift, transit mixer & DG set — how to write a defensible spot report, AI parts recognition, and the right cover (CAR/EAR, CPM, MB, Fire).
Read guide → Liability · BailmentVehicle damaged while in garage custody — who pays?
Fire, theft or mishandling while the car sits at the workshop. How bailment works between owner, garage and insurer, and what a surveyor records.
Read guide → Admissibility · EngineWater ingression & hydrostatic lock — is the engine covered?
Why driving or re-cranking through waterlogging usually turns an accidental loss into a consequential one, and where the Engine Protection add-on changes the answer.
Read guide → Cause analysis · CommercialJack-knifing of an articulated vehicle — cause & assessment
Why a trailer over-swivels into the prime mover, how to separate proximate cause from contributing factors, and what it means for admissibility.
Read guide → Assessment · Total LossConstructive total loss & the 75% rule — a surveyor's guide
When a vehicle stops being a repair claim: the 75%-of-IDV benchmark, IDV − excess − salvage settlement, and what to record.
Read guide → Assessment · DepreciationZero-depreciation (nil-dep) explained — with worked examples
How depreciation is computed part by part, and how a zero-dep policy reimburses it on the final assessment.
Read guide → Endorsements · हिंदी + EnglishIMT 23 — cover for lamps, tyres, bumpers & paintwork, and the 50% share
What IMT 23 covers on commercial vehicles, the 50% insured's share, a real worked calculation, and how different insurers deduct it. Free India Motor Tariff PDF.
Read guide → Reference · हिंदी + EnglishIndia Motor Tariff — what it is, history & endorsements
When the tariff came in, how it is structured, the General Regulations and IMT 1–51 endorsements — with the full tariff PDF to download.
Read guide → Claims · 9 languagesMotor insurance claim form — how to fill it & every company's form
Documents you need, how to fill the form, and the official claim form of every major insurer — in Hindi, English and 7 more Indian languages.
Read guide → Cause analysis · CommercialOverloading & lift-axle bypass — effect on claim liability
Load distribution, axle configuration and how a disengaged lift axle is assessed against policy conditions.
Read guide →Turn the assessment into a clean survey report.
DigiSurvey captures evidence at the site and builds spot, final and reinspection reports with the assessment sheet, depreciation and bill details done for you.