There is a processing fees, do check with your insurance instead of listening to workshop or runners. Cant recall how much....


In total lost case, what happen to the car when I received the money? Is it still mine?
- Car will be deregister and belongs to insurance company, and they will auction it....

And how can I keep the plate no if i want to total lost the car?
- you can ask to buy back the car and request the car not to be deregistered aka repairable write off. you can either fix it to sell it yourself later and transfer the plate to another car.

minor damage + air bags usually make the repair cost balloon out causing the car to be write off, these can be easily repair.

Major structure damage, even you can repair it is not worth it, the car will not drive/handle properly and you will get water leak and rust after a while, if you sell it new owner will curse you nine generation