Can we appoint Surveyor for third party, Ist party accident claims, Insurance act amendment 2015

WHAT IS THIRD PARTY CLAIM? HOW TO CLAIM 3RD PARTY PROPERTY DAMAGE? WHAT ARE MERITS AND DEMERITS? MY INSURANCE LAPSED. CAN I GET CALIM? WHO CAN APPOINT SURVEYOR? WHO IS LICENCED SURVEYOR? FACTS OF UNBIASED CLAIM PROCESS. DO I LOOSE DEPRECIATION ON EACH CLAIM? DO I GET CLAIM WITHOUT A LICENCED SURVEYOR PROPERLY? WHY NO ONE DISCLOSED TILL NOW ABOUT APPOINTMENT OF SURVEYOR BY A POLICY HOLDER HIMSELF?
IS MY CLAIM REJECTED FOR A GENUINE REASON? HOW CAN I KNOW FACTS ABOUT CLAIMS? THESE INFORMATION EXPLAINED HERE.