Welcome to Policywala Forum!

Quote Originally Posted by R.K.SHARMA View Post
1. What is the meaning of additional bill?
Additional payments ONLY required to the garage if the insurance company does not cover the complete the expense of the repairs.

2. Will I have to pay the amount mentioned?
Yes

3. Is n't it a case of Constructive Total Loss?
Yes it's the case of total loss as Rs.259953 is 75% of IDV and your claim is more than that.
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.

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?
Discuss with the claim officer of insurance company.