Though car insurance is compulsory, there is no guarantee that the car owner will get the entire amount for the car insurance claim which he has filed.
Like the health insurance claims which are often rejected or the person gets only a small part of the medical expenses, the car owner may find that the insurance claim is rejected.
For cheaper cars, the insurance claim is for a smaller amount, so the car owner may not find it worthwhile fighting the rejection of the insurance claim.
However for expensive luxury cars like Mercedes Benz which cost more than Rs 80 lakh, the annual car insurance premium paid is often between Rs 2-3 lakh, so the vehicle owner may file a complaint with the consumer court if the claim is rejected.