hi @Sam K & @ShereenMK, just make sure there is NO FINE PRINT regarding offroad insurance. I've read insane small footprint like "covers offroad but only if accident happens 500m from nearest highway" 😂
Also know this rule: Read what is your Insured Car Value in the Policy. Usually it drops 10% each year. The reason RSA paid for my full agency repair was because Nissan gave a quote of 60,000dhs to RSA (this is my guess tho, Nissan won't confirm the repair cost). If RSA rejects and will apply Total Loss, they will have to pay me more than 100,000dhs (it was 2019 Y62 so the value was still high). Either way, I get a fully-repaired car or 100K dhs to buy new car 😅
@ShereenMK our LC100 is old,
probably Insured Value is around 15,000dhs, so if it breaks, Insurance will apply Total Loss and pay us 15,000dhs, so make sure your Total Loss Policy is clear on the payout procedure... else you'll have a broken car that you have to fix yourself 😄