Dear waihan_shal,

Since ur SUM Assures is 30K (SA), far less than 80% of ur car's Market Value(MV) . From ur case, the loss claim from motor insurance will apply "average" principle.

Loss claim = (SI/MV) * Loss = (30K/37K) * 8400 = RM6810....

Insurance company pay u RM6483.31 which is total amount of RM6810 minus with other admin cost....

IF u want to claim full repair cost, ur SUM ASSURED should be equivalent with ur car's market value....