It depends on the company, probably though.
If a person is listed as a driver on someones insurance they can file a claim themselves. The person living abroad can also initiate a claim on behalf of the driver if they wish too.
National Insurance Co.Limited under the GIC umbrella has the highest claim settlement ratio in India.
Bharat claims is the best insurance claims service provider in India. To get a hassle-free solution for all your insurance-related issues download the Bharat claims App now from its website or from the google play store and know all your hidden insurance benefits and make your insurance claim process easy going.
Life Insurance Corporation of India is the best rated Life Insurance Company of the world, with 30 crore policies (much larger than population of US) with claim ration of 99.95%.
Question was in error, ignore!
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You will be liable for the difference.
I have a claim on a car insurance policy with AIG. What are the chances of this claim being met?
Yes, your claim is based on the date that it happens so it's more important for you policy to be in force on that day.
The claim would still be processed - as you were still insured at the time of the incident !
If they refuse to sign the application for a claim, they will not be paid the proceeds of the policy.
Probably because, they are the best insurance company in India and have the highest claim settlement ratio