Can someone help me to handle my situation after I encountered an accident on May 24. Atlhough it was 50% my fault by Najm Inspector put 100% on me as soon as he found my vehicle under lease with full comprehensive coverage, athough the other driver did not even have valid insurance with him.
Anyway, my car front left side was heavily damaged, so I toed the vehicle to ALJ workshop @ Exit 17. It took 2 days follow-up to have the 'Repair Agreement' prepared by ALJ service advisor, after 1 week I was told that Insurance did not approve the repair cost since it is too high, compared the current value of an asset; so my vehicle shall be considered as 'Total Loss'.
It's now 3rd day that I am chasing ALJ staff to provide possible alternative options or atleast the actual report what has been submitted to Insurance company.
All of them are so rude and can't even talk politely; I am asking them to give me answer on below:
1. If I opt not to take the vehicle, will they give any amount of money what Insurance is willing to pay or advance deposit? Keeping in view that I still have 12 installments left.
2. Review the estimation again and cut down number of repairs, so to reduce the cost of the Insurance claim
3. If I want to take the vehicle and do repair from outside, what is the procedure?
I would be grateful if anyone can shed some light on this.
In a nutshell, all these agencies are really butchers, they don't care the circumstances an individual going through. May Allah protect us all from a difficult situation. Ameen