here read this story..

I do not like insurance as a business – it completely hates paying the claim amount. They will say anything that they can to avoid paying the claim. Look in this case:

• the auto does not have permit
• children are not dependent
• no proof of income

good they did not say ‘she was drunk’ – no way you could have proved that she was not…

i have a small policy, but have zero confidence that when shove comes to push they may not pay…

the company is Hdfc Ergo….but they are all the same…

http://indianexpress.com/article/india/husband-son-get-rs-11-7-lakh-for-womans-death-in-road-mishap/