show him this pdf: http://www.royalsundaram.in/Files/CAR-INSURANCE.pdf and ask what is the meaning of this line "IDV shall be treated as the ‘Market Value’ throughout the Policy period withoutany further depreciation for the purpose of Total Loss (TL)/Constructive Total Loss (CTL) claims." The catch in this is that unless the car is very badly damaged in an accident, the insurance company does not agree to label the case as Total loss/CTL. With assistance of SC, they somehow manage to give repair estimate not exceeding 75% of insurers share which is the boundary condition for CTL. Once this happens, they offer other settlements known as 'Net-Off salvage' and 'Cash Loss' for which there are no IRDA rules. the owner ends up literally at their mercy.