Hello Experts,

I have met with an accident on 28th Nov 2013 where I was dashed by Xylo car from LHS breaking my car's (VW vento) Gear box, wind shield etc. lucky I was escape unhurt.

I have the TATA AIG insurance with IDV of 7 lac as my car was in to its 3rd year, nearly one month after accident my dealer Shreekripa Auto Nashik had come up with the estimate of 11, 86,000/-declaring it as total loss.

The Insurance surveyor came for the second check as he wanted to see the car from bottom and dealer arranged for the crane and showed him the car and again raise the estimate cost by nearly 1 lac to total estimate cost to 13 lac. Dealer told me that I have to pay the 5% (nearly 70000/-) fee of total estimate and the fee of crane that they have arranged. Also told me to make sure that car is picked up from their work shop or they would charge the parking charges.

I am totally shocked !!

My question to you all is :-

1. Whether I have to pay the 5 % fee for the estimate and the crane as well as parking and do dealer has fixed percentage on total loss?

2. How dealer can come with the total estimate more than the cost of new car?

3. what should I do next ? how should I handle the insurance ?

Please answer it's urgent

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