New Delhi, Sept. 10 -- A motor insurance policy seems simple on the surface: secure third-party coverage, include own-damage protection, and submit a claim whenever an accident occurs. However, real-world claim rejections usually stem from small, easily overlooked details-ranging from an expired driving licence and undisclosed pre-existing scratches to inaccurate disclosures and missing policy add-ons.

Failing to meet basic regulatory compliance is a primary reason claims fall through. Additionally, widespread misconceptions about policy features frequently lead to avoidable disputes between policyholders and insurers.

Here are six important points policyholders should keep in mind.

While purchasing or renewing a motor insurance policy...