My car is insured for a Total IDV of 680910.00 for 0 depreciation. I have a claim of rs 436000/ for repairs from the company which is lower than 75% of value of insurance. The insurance Co is not sanctioning repairs but calculating total loss on salvage basis of rs 360000.00 for the car & are willing to pay 319910.00 as insurance value. Our argument is that we do not want total loss but as the repair cost is below 75% the car should be repaired. Can the Insurance Co. force you to accept their ruling?


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