The New India Assurance — claim for motor vehicle insurance

Address: Jaipur, Rajasthan

Please find some details below regarding my car insurance policy:

Insurance no: ([protected])
Car registration no:rj-01-cc-2384

I am going to breif the incident.

I had an accident on 22 december 2018 on delhi jaipur highway near kotputli with a trailer. My car was damaged from front, roof, back and also gates. We gave car to workshop (Prem motors, jaipur) on 23rd december 2018.

A surveyor (Mr. M. Kumar) was appointed to survey my car. On december end he has given a estimation of 2-2.25 lacs to my family.
So workshop guys contacted my family with the demand of 50000/- so that they can start their work. We said ok if total estimation is 2-2.25 lacs. But in the mid of january workshop guys contacted me again and informed that when they opened car then some more parts was damaged and the cost of these parts is high. So they again contacted surveyor.

Surveyor again surveyed car and gave new estimation and that estimation was around 4 lacs. Till than workshop guys completed their 40% work. Surveyor submitted his final survey on 29th january 2019, means he took more than one month to give survey report.

The idv value of my car is 3.6 lacs in insurance paper. But the repairing cost of car is around 4 lacs. Which is more than car value.
So according to that car should be in total damage.in any condition if car repairing cost is more than its cost then it should be total lose.

Surveyor gave his logic that he can't give total lose because for total lose insurance company's liability should be 75% of idv value means (2.7 lacs) but accoding to his estimation insurance company's liability is coming 2.65 lacs. Means a difference of 5 thousand rupees. My car was in workshop more than 1 month (23rd december - till now) and only two technical guys was there to give estimation one is workshop guy and second is surveyor. So car repair cost reached to 4 lacs but it has not crossed 5000 difference.

I want my car be in total lose, please suggest me how to proceed. Your reply will be appreciated