I have a nissan livina xgear 1.6 bought in 2018. Bought it for 75k. I recently checked with tukar, and a few dealers, all offer below 20k as used car price. My insurance valued my car at 43.5k last year and this year is valuing it at 43k.

Firstly its a scam to say my dropped only RM500 in 1 year. Secondly, insurance says if total loss, they only pay market rate, less than 20k. When i ask for lower valuarion they offer only at 41k. Should i change insurance, but which one is good? Anyone can recommend?