In India, motor insurance claims are primarily rejected due to violations of policy terms, legal infractions, or procedural delays. While the industry is highly regulated by the Insurance Regulatory and Development Authority of India (IRDAI), insurers can legally deny claims under specific circumstances.  Core Reasons for Rejection Driving Under the Influence (DUI):  If the driver was intoxicated or under the influence of drugs at the time of the accident, the claim is almost