[Resolved]  Suzuki Access — met with an accident

My vehicle ( suzuki access) is insured with iffco tokio. I met with an accident while i was riding on 28/06/09. I got injured and treated. My vehicle is also damaged. How could I get benefitted by the insurance company in getting the repair charges. I came to know from a recent complaint, that the insurer has to pay the charges to get the vehicle repaired and there afterwards, to wait to get the reimbursement. If we are benefitted, why can't we be benefitted before repairs. Please help me in this regard, as I have already spent a lot in getting treated myself (after accident) and my wife who was a pillion rider.