This book is all about practical aspect of general insurance claims like that of Fire/ Misc/ Motor / Medical etc. and not about Life Insurance. There are many states in India where people are business-minded and are financially sound. They also have high education. In Gujarat people have money but they do not understand insurance and far less when it comes to insurance matters. There were not many claimants of earth quake insurance claims after the earth quake in Ahmedabad. In Kerala or Mizoram or West Bengal where people are highly educated but they also have little knowledge of insurance related matters. Then there are I.T. related skilful people but they do not have time for proper insurance policy and much less when it comes to claims.