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Changes made in 2020 included having more auto accident cases tried before juries and reducing the amount of money insurance companies have to pay out to accident victims.

We are not expecting too much," said Pratik Gupta of Kotak Institutional Equities. The brokerage firm is cautious on most auto stocks but likes M&M where, he said, the valuation is still reasonable.

so I don’t mind paying a little bit extra every year, maybe $100, because it’s normal for insurance companies to increase bills if costs have gone up,” he said.