New Delhi, Sept. 14 -- Buying car insurance can feel like a box-ticking exercise: choose third-party cover, add protection for your own vehicle and renew the policy on time. The real test, however, often comes when you need to make a claim.

Small details such as an expired driving licence, incorrect information in the policy or an attempt to include an old dent in a fresh claim can potentially lead to disputes or rejection.

Consider the case of 23-year-old Chirag Andani from Jamnagar. His Honda City collided with a cow, following which he braked and swerved, hitting an electric pole and stones. The accident damaged both ends of the vehicle, but the insurer rejected his claim, arguing that the damage was inconsistent with the accident de...