Quote Originally Posted by xela View Post
Hello! thanks for your prompt answer..

So in that case...should I call my insurance company and explain to them what happened so that they can help me out? maybe send someone(adjuster) to inspect my vehicle and check if it is total loss or not? and in case is not, for them to fight with the other insurance company?
Whenever any accident happen (whether you want to claim or don't from you insurance company), always inform your insurance company in detail. They will take it forward from there.

What do you mean with sum insured in case of total loss?
In case of total loss the insurance company is liable to pay the full sum insured (the value for which you have taken the cover of your car)