1- I agreed on settlement because I got into accident for the first time and perhaps panicked and wanted to get away from that situation asap as Pakistan military and their own security team arrived that made the whole procedure rather cumbersome.
2- As far as insurance is concerned, I really did not know how much insurance is going to cover. Even I was not sure whether my car is comprehensively covered because the whole insurance procedure was done by my father.
As I stated earlier, we settled on " car damages" costing around 50% and it was written in police report that the entire mistake was of the other party. I let insurance company pay the damages but that party has to settle the damages(and as I already stated earlier that while negoatiating this percentage was settled not only considering the car damages but also other damages i.e human injury, nervous shock...
I agree that I rather included all that in "car damages" which legally does not include nervous shock, human injury etc but the fact still stays the same..