ehh.. for your info.

the total amount claim from the insurance; the tow truck services takes around 10-15% of the total amount.

for those who dunno; if not y the tow truck fella appears asap when they see a accident.

for your case.. please check n complain to kurnia.

kurnia should have advise or given u a panel workshop to fix the car.

plus kurnia should have estimated a repair cost; PLUS the workshop will also prepare a estimated repair cost; they should submit tis cost to the insurance;

kurnia will review tis report. and if they agree to the sum; kurnia will pay the workshop to repair.

if there's any additional charges included; or last minute found out got problem here n there,the workshop must do a report ; take pic n submit to the insurance n follow up on the claim.

please check again; sometimes workshop cannot be trusted fully. they like to con ppl who dont have experience b4.

why are they saying ur car is under insured??

when u renew or purchase ur insurance with kurnia, dont they show u the current market rate n advise the amount to be insured??
normally they have a letter given to u. did they tell u its worth tat much; but u chose to insured it lower?

and if thats the case they argue ur car is worth more den wat u have insured? please check newspaper n motortrader value. compile them; also go to perodua; ask them to give u an official market evaluation of ur vehicle; in full details; such as year make; model; cc; value as of now;
with this documents; u can appeal to your insurance.