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Additional payments ONLY required to the garage if the insurance company does not cover the complete the expense of the repairs.
Yes2. Will I have to pay the amount mentioned?
Yes it's the case of total loss as Rs.259953 is 75% of IDV and your claim is more than that.3. Is n't it a case of Constructive Total Loss?
Total loss/Constructive Total Loss (CTL)?
The insured vehicle shall be treated as a Total Loss (TL)/Constructive Total Loss (CTL), if the aggregate cost of retrieval and / or repair of the vehicle, exceeds 75% of the IDV of the vehicle.
Discuss with the claim officer of insurance company.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?