Our MVC Services

• Third-Party Claims: Representing accident victims (or their families) in filing 'MACT' petitions against the owner and insurer of the responsible vehicle.
• Injury & Disability Claims: Fighting for compensation covering medical bills, loss of income, future earnings, and pain & suffering.
• Death Claims: Securing financial support for dependents by proving loss of dependency.
• Own Damage (OD) Claims: Assisting policyholders in disputes with their own insurer over repairs and total loss settlements.

The MACT Process

Securing compensation involves:

• Filing a detailed petition with all evidence.
• Proving the negligence of the offending vehicle.
• Establishing the quantum of loss (medical bills, income proof).
• Arguing the case for a just compensation award.

Health Insurance Claims

• Challenging denials based on 'pre-existing diseases' (PED).
• Disputing rejections for treatments deemed 'not medically necessary'.
• Fighting against unfair interpretation of policy 'exclusions'.
• Resolving disputes over 'cashless' treatment denials.

Life Insurance Claims

• Challenging 'repudiation' based on alleged 'non-disclosure' of facts.
• Disputing claim rejection in cases of suicide or accidental death.
• Assisting nominees in proving the claim and completing formalities.
• Filing cases for 'deficiency in service' in 'Consumer Court'.

Common Grounds for Rejection

Insurers often deny claims based on:

• 'Non-disclosure' of a 'material fact'.
• 'Breach of policy conditions' or warranties.
• Claim falling under a policy 'exclusion'.
• Delay in intimation or submission of documents.

Our Challenge Process

We fight back with a clear legal strategy:

• Legal Notice: Sending a strong 'Legal Notice' that outlines the 'deficiency in service' and demands settlement.
• Consumer Complaint: Filing a complaint in the 'Consumer Court' (CDRC) for compensation.
• Ombudsman: Presenting the case before the 'Insurance Ombudsman' for a binding award.
• Evidence Building: Gathering expert opinions to counter the insurer's reasons for rejection.

Legal Opinions

We provide formal written advice on:

• Assessing the 'validity of a claim' rejection.
• Evaluating the 'chances of success' in a dispute.
• Providing 'opinions' on evidence and claim strategy.
• Interpreting complex 'policy clauses' and exclusions.

Insurance Drafting

We handle all forms of legal 'drafting' for insurance law:

• 'Consumer Complaints' for 'deficiency in service'.
• 'Legal Notices' to insurers challenging repudiation.
• 'MACT Petitions' for motor accident claims.
• Replies to insurer queries and notices.
• Appeals and Revision Petitions.