When it comes to the settlement of claims, the car insurance policyholders are often at the receiving end. This is more pronounced at the time of making a claim in case of motor vehicle ‘total loss’ (TL) or a theft claim. However, going by the recent Orders passed by the Insurance Regulatory and Development Authority of India (Irdai) against most of the general insurance companies, the policyholders can heave a sigh of relief and be forewarned not to let the insurers take them for a ride.