Hi, I need your help in claiming insurance. Recently my car was involved in the accident. The damage was bad and police report has been made (called police yesterday and they said the investigation result is ready).

The adjuster has come and decided that the cost is more than the amount that I insured. So I have to declare total lost. Now I have to go matikan road tax, settle my car loan with bank and process the insurance claim.

I want to claim from the lorry's insurance since the lorry hit me from the opposite lane. My question is

1) how much can I claim from the third party insurance? And will the amount be deducted from the insurance money to settle my car loan or the insurance will have to settle my car loan and I get the insured sum in full? Note that my insurance and the lorry driver's are comprehensive.

2) how to claim for loss of use since the car is total lost and there is no time frame of which the car is being repaired.

3) currently I go with the first option, that is claim odkfk from my insurance and the will claim from the third party insurance (meaning my ncd will be saved) but is this the better choice of the 2?

Sorry guys this was my first car and this is my first time getting into such accident. I'm angry and sad but more importantly I want to get what is rightfully mine. Need the help of all sifus to guide me as I will be going to balai this Monday to get the keputusan kes and want to settle everything as soon as possible.

Thank you in advance and appreciate all help.

I heard from my sister in law only can buy the report after 14 days. True?

No. the car is still with my sis in law.

thanks for your advice