I'm not sure where to post this so here goes. Just need some insight on this matter if anyone ever has any experience. Bear with me

So I got in an accident 2 month ago and the insurance just release the claim status as total lost.

My insurance when i renew is agreed value at 11k, would i get this much or are there calculations that only they know?

The workshop said if I opt for total lost, I need to pay them 1.5k for processing fee. Is this the right practice?

Workshop also said if I want to repair, need to write letter to the insurance and I probably need to topup the amount. They said repair could take 7-8k.

My question here, if I opt for repair, wont insurance cover 100% of repair cost? since 8k is still within 11k value

And If the topup amount is too high, can I opt back to total lost.

In total lost case, what happen to the car when I received the money? Is it still mine?

And how can I keep the plate no if i want to total lost the car?

Sorry for asking too much. Any insight is appreciated
Final question, if total

I see hidden repair cost but if total lost would I receive full 11K. So i pay them 1.5k to dispose the car and they can still sell all the parts for money right?


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