I had a maruthi sx4 and met an accident in march 2016, I filed for a claim and submitted all the proofs as they requested. Its almost 4 months over, still now I didn’t get my insurance money. They didn’t answer my calls properly and if they answer they are saying only reasons. If you want to insure your car properly then please go some good insurance company. Don’t go for L&T car insurance & you have to face the same situation.