Court finding - Supreme Court SC 2020 Gurshinder Singh vs Shriram held prompt FIR cures late intimation alone.

Context

Motor SIT cases assume hard fraud; Gurshinder is counter-weight - technical delay not brand every theft as fraud.

Implication

FIR time matters more than insurer intimation. Delay cannot be sole reason.

Action

FIR same night, intimate insurer + IIB/VAHAN within 48h with FIR no.