Ajit, If FG is saying that it's "easily repairable" then you make a counter offer to them - FG get's it repaired at Rs. 3.2 Lacs (plus I guess what will be your contribution required in repairs - 1.2 L?). Then FG buys back the car from you at Purchase price less Depreciation OR at market rate since it feels it's "easily repairable" (am not sure how the calculation works out - if it's to your benefit or not). Can you get your part of the expense (1.2 lacs) from the transport company owning the truck? Logically, it should pay that expense. Getting the opinion of TASC is the key. Why wouldn't TASC give it? If there is a hesitancy, ask them (or send TASC an email) to confirm that the after charging so much money (almost 4.5 lacs), they will repair the car to it's "factory" condition. If they feel it's not possible, let them list what all will not be repairable to "factory"-like condition.