Hi Folks, I had a query on total damaged/write off state vehicle. Recently, one of the friend’s Wagon R met with an accident. His car went into a ditch which was 10-15 feet deep. All his family members are safe, not a single scratch but the car is damaged too much. The Maruti service center quoted 1.96 Lakhs in repairs. His Insurance is with Bajaj Allianz, they haven’t yet inspected the car thoroughly, but I have doubts regarding if in case his car is declared total damage what would be the procedure of the insurance company to pay him? His car’s Insured amount is 2.7 lakhs. My understanding was that this full amount will be paid back to him since the car is total damage. But when he enquired about this, he was told by the company that his car will be auctioned and whatever amount is collected in that auction, only that much will be paid to him which will obviously be way less than 2.7 lakhs. Is this really how a total damaged/written off car’s insurance is processed? Mods: I opened a new thread since I couldn't find a similar topic, please merge this with appropriate topic if required.