Guys. I kept reading all the negative feedback on bharati AXA. Today I experienced it. I met with an accident and my car got hit to an auto who suddenly turned forcing me to put the sudden brake. My car fender hit the auto and due to the sudden brake, some other vehicles also hit my rear door and rear panel. Now the surveyor is saying that he can approve any two. i.e fender and door or door and rear panel or fender and rear panel. this is really strange. wish at the time of accident, I could have asked those who hit my car to hit either in the door or the panel but not both.