National Insurance Company — Total loss for my car - Renault Kwid

Address:

Ernakulam, Kerala, 682306

Still in Hope! My first car Renault Kwid met with a major accident completely loosing itself in safegaurding the passengers without a scratch. The company as well as the NI surveyor rated it as Total loss. They opened a bid for the scrap sale of my Kwid and fixed an amount and informed us that they'll be paying the amount shortly. One fine day sryeor called us and said he cannot run behind the party who won the bid and banks for NOC, so he'll provide us a cheques with amount less than the bid value. And asked us to do whatever you widh with the vehicle. Now if he had to do this whats the benefit in taking insurance, when customers have to take the tits n bits and start selling in the market.

I would like to know if there is any set rule /procedure, so that the customer need not break nuts in such situations?