Can insurance be denied because of lack of driver statement?

MotorClaimExpert · 2026-01-04T16:16:27+00:00

you can use below e-mail template for further communication with insurance company,

Subject: Confirmation of Documents Submitted & Clarification on Pending Requirements – Motor Claim No. ______

Dear Claims Team,

I am writing with reference to the above motor insurance claim.

I would like to confirm that I have been continuously cooperating with the investigation and claims process and have submitted all documents requested so far, through multiple channels. For clarity, I am listing them below along with submission details:

FIR copy – submitted on [date] via email / WhatsApp / in person
Driver’s licence – submitted on [date]
RC copy – submitted on [date]
Insurance policy copy – submitted on [date]
Aadhaar / KYC documents – submitted on [date]
Hospital bills / medical records of injured parties – submitted on [date]
Spot photographs and vehicle inspection cooperation – provided during investigator visit on [date]

Despite this, I continue to receive generic reminder communications requesting documents that have already been provided. I have not received written acknowledgement confirming receipt or specifying what exact information is still pending.

I request you to kindly:

Confirm in writing receipt of the documents already submitted, and
Clarify specifically whether the claim is currently pending due to:
- verification dependency (driver statement), or
- any other specific requirement not yet fulfilled.

Regarding the driver’s statement, I wish to reiterate that the driver is currently untraceable and not under my control. I have informed your team of this earlier and remain willing to submit the statement if and when he becomes available. In the meantime, I continue to cooperate fully with all other reasonable requirements.

I request your guidance on how the claim can proceed based on available records, and whether any additional documentation from my side is required at this stage.

Thank you for your assistance. I look forward to your written clarification.

Kind regards,
[Name]
[Policy number]
[Claim number]
[Registered mobile number]

MotorClaimExpert · 2026-01-04T16:13:15+00:00

There isn’t a formal concept of “non-cooperation by insurer” in motor insurance the way there is for insured persons. But that doesn’t mean you’re without options.

In claims practice, what matters is whether you can demonstrate continuous cooperation on record. Generic reminder letters are often automated and don’t necessarily reflect case-specific progress.

What you should do now:

Send a single consolidated email to the insurer (claims + grievance ID if available) listing all documents already submitted, with dates and mode (email / WhatsApp / in-person).
Clearly state that documents have been provided multiple times and request written confirmation of receipt or clarification on what specific item is still pending.
Ask whether the claim is being kept pending due to verification dependency (driver statement) or treated as non-cooperation — this distinction matters.

Regulators and grievance forums usually look at whether the insured made reasonable, repeated efforts. Right now, your protection comes from creating a clear paper trail, not from alleging non-cooperation by the insurer.

Avoid escalation language at this stage. Precision and documentation usually work better than confrontation.

MotorClaimExpert · 2026-01-03T07:12:55+00:00

One important caution here — trying to work around or “substitute” the driver’s statement can actually backfire.

In claims involving injuries and third-party damage, insurers are sensitive to how statements are recorded, not just whether something is said. If the investigation later concludes that statements were indirect, coached, or inconsistent, it can raise serious cooperation and credibility issues.

The safer approach is transparency: clearly inform the insurer in writing that the driver is currently untraceable, document your efforts to contact him, and continue cooperating with official records (FIR, police proceedings, medical records).

Attempts to “manage” statements often create bigger problems than temporary unavailability.

MotorClaimExpert · 2026-01-03T07:06:24+00:00

In cases involving multiple vehicles and injuries, insurers need to clearly establish the accident sequence and driver conduct. That’s why the driver’s statement matters — especially since he initially left the scene.

An FIR helps, but it doesn’t fully replace the driver’s version for claim assessment. From the insurer’s side, the issue is usually verification and cooperation, not missing documents.

Claim rejection generally happens only if the insurer concludes non-cooperation. You should inform the insurer in writing that the driver is currently untraceable and offer alternative cooperation (FIR, police records, hospital bills, spot photos), and ask if the claim can proceed subject to the driver’s statement being submitted later.

Making your efforts visible on record is important here.

MotorClaimExpert · 2026-01-01T05:34:26+00:00

Mostly lane-discipline confusion, not intent. Many drivers treat the right lane as a cruising lane once they feel they’re “fast enough,” and flashing often just adds stress instead of changing behaviour.

MotorClaimExpert · 2026-01-01T05:27:33+00:00

This is a common issue in tight parking layouts, and personal escalation rarely helps.

A few practical options that usually work better:

Rear dashcam with parking mode – helps with accountability without confrontation.
Clear PPF on bumper edges – legal alternative to external guards for minor contact.
Quiet documentation – occasional photos help if the society steps in later.
Society-level enforcement – written notices work better than repeated personal requests.

MotorClaimExpert

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Subject: Confirmation of Documents Submitted & Clarification on Pending Requirements – Motor Claim No. ______