Lic — Mistake in lic policy benefit

Address:

LIC OF INDIA,879 BRANCH,VADODARA,GUJRAT

Dear sir,
I am Rajeshkumar k thakkar, father of Mr. Jaykumar thakkar who was no more in this world, he expired on 14th January, 2022 by road accident..

There was a single policy of my son in lic vadodara 879 branch IS POLICY NO.[protected].when i was taken a policy of my son he was 15 th years old.as a guardian i was nominee in his policy but after 18th years old the agent not include the accident rider in this policy and also not inform to me, apart this lic also not intimate to me about this changes and i do not know that it is required to add accident rider in this policy. So I can not understand who is responsible for that, because the customer doesn't know properly so the agent is working on behalf of the customer. My policy agent name is Solanki yogesh rameshchandra code[protected], i also want to inform that i have 7(seven) different policies from the above branch from year-2005 but now i can not trust on lic and their agent.
I submitted all required documents to lic on 21th February, 2022 but still today my claim is pending.
So regarding this case, what is the mistake of the customer? Because customer and lic both trust on agent and agent not guide properly to customer and customer loss to money. And this is a prestige issue also of LIC .

In line with this matter anybody has to be clear of responsibility. I would like to file a legal complaint against LIC and the LIC representative agent, because LIC was also not informed to customers after receiving proper policy payment.