A road mishap can leave drivers burdened with more than just a dented car. Police reports, court visits, traffic challans and RTO paperwork can add to the stress. ICICI Lombard has responded with a new solution.
The company has introduced Motor Sahayak, an add‑on that can be attached to any existing motor insurance policy. It is designed to help customers with the legal and administrative steps that follow an accident. The idea is to reduce the paperwork load for drivers.
Motor Sahayak is not a replacement for standard motor insurance. The core policy still covers vehicle damage and third‑party liabilities. The add‑on simply assists with post‑accident procedures.
According to Gaurav Arora, Chief Commercial Lines and Motor at ICICI Lombard, most drivers are only familiar with repair work. "We can help them with police, legal, court or other procedural requirements," he said. This support comes in addition to the usual repair assistance.
When an accident triggers police involvement, Motor Sahayak can guide the driver on what to do next. For example, a customer might not know if they need to visit the police station or which documents to bring. The add‑on provides clear instructions.
The service is available across the country through a network of partners. Customers can call or use a digital portal to request help. The request is then routed to the relevant service provider who assists with the paperwork.
Motor Sahayak does not pay legal or court fees. Customers may still need to cover court costs, challan amounts or other charges. The add‑on's role is to facilitate the process, not to cover all expenses.
The assistance also covers RTO matters, such as vehicle transfer between states. If a vehicle moves from Mumbai to Delhi, for instance, the driver can receive help with the necessary paperwork. This is useful for those who relocate.
For traffic challans, the add‑on can represent the driver before authorities. The challan amount remains the driver’s responsibility, but the service helps resolve the issue. This can save time and reduce confusion.
Before purchasing Motor Sahayak, drivers should check the exact coverage. They should know which services are included, any usage limits and what costs remain payable. The value lies in saving time and effort rather than covering repair costs.