Hello to PolicyWala.com community,

This is my first post being a new member of the forum.I got fascinated byvisiting this site as, I hope, is an effective community/forum to get thesolutions/queries to arrays of Questions answer of which will be much helpfulto all visiting this site.

I have a claim with TATA AIG GENERAL INSURANCE CO. LTD. with respect toaccidental damage of my car Santro GLS Xing.

The claim was registered in August 2011 and after repairing/retrieval of my vehicle the said insurance company has given details of calculations and summary is given below:
1. NET LIABILITY: Rs.1,83,777.53/-
2. DEPRECIATION: Rs. 23,456.38/-
3. ADDITIONAL WORK: Rs.93,109.00/-
TOTAL :Rs.3,00843.00/-
Insurer has mentioned: Rs.23,456.38 [Depreciation] +Rs.93,109.00/-

[Additional Work] = Rs.1,16,565.38/-[ To be paid by the Insured]

I want to know following things related to my claim:
1. What is the meaning of additional bill?
2. Will I have to pay the amount mentioned?
3. Is n't it a case of Constructive Total Loss?

4. As I understand additional bill means extra work done by the repairer beyond the order of the insurance company.
5. What to do in this case?

Here, it is important to quote that IDV of my insured vehicle is Rs.3,46,604/- and my claim is under first insurance of the vehicle.

R.K.SHARMA
RANCHI[JHARKHAND]

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