To appeal a rejected motor insurance claim in India, you must follow a structured escalation process mandated by the Insurance Regulatory and Development Authority of India (IRDAI).  Step 1: Formal Complaint to the Insurer Before escalating to external authorities, you must give the insurance company an opportunity to resolve the issue directly.  Contact the GRO:  Submit a written complaint to your insurer’s Grievance Redressal Officer (GRO) . You can find their contact detai