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No, you can’t claim from your insurance without prior intimating. But, there is a provision of third party claim wherein you can be compensated from other vehicle insurance by filing third party claim.
With respect to accidental death or injuries, there is no such cap or limitation under third party claim. Whereas, in case of third party claim with respect to property damage there are limitations on the amount awarded.
Yes, the claimant has the right to claim third party insurance, even after the repairs has been done by the claimant.
Presently, there is no such provision in the M.V. Act which bars the claimant from filing claim under third party with respect to time limit for motor damage or physical injuries.