Insurance company is paying so less amount on total loss that i am having loss of 228,000 PKR, because car is on leasing and so far I'va paid 20 installments which cost around 450,000 (including down payment) but insurance company is paying 224,000 back on total loss and not repairing my car on 20% depreciation. Thats why i negotiate them on lump sum amount of 80,000 PKR and I'll get it repaired myself.
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Accident happened on 05th August, 2009.