Once again thank you for your response and for the advices you said.
Some of you are still confused so I will try my best to explain it clearly.
I bought a car from kia on january 2020 and it is under COMPREHENSIVE INSURANCE by QATAR INSURANCE COMPANY (QIS) with a insured value of 48,000 QR
Last 3 weeks if im not mistaken, i had and accident and it was not my fault at all. I was going 30km/h and all of a sudden a mitsubishi pajero just crashed on the back of my car (She said she stepped on the gas instead of the brake) and because of that i hit the car infront of me and that is kia sportage. Moving on we went to the police and good thing she took responsibility for everything and so we waited for the police report. The next day we went to our insurance and showed the police report and everything and we were told to bring the car to KIA Service Center by our insurance and so we did. after a few days we received a call from KIA that the car was getting canceled or labeled as TOTALED and i thought that because of this I will be getting a new car from my insurance but after going to my insurance again they said that they will be giving only 38,000 QR instead of the full value of the car which is 48,000 and that is written on my insurance paper also they explain why i got 38,000 only is because they will be deducting 2% from the total value of the car each month starting from the purchased month. I thought with this value i can clear my car loan but the first finance said i will be needing to add 5,000 qr to clear my car loan and that will be from my own pocket.
So i told my insurance that i dont want it to get cancelled and i want it to be repair so I went to my insurance and they give me some advice and everything and then told me to go to Qatar Islamic Insuirance and told them that i want my car to be repaired but guess what they will be giving just 25,000 for the repair while the total repair cost is 50,000 (according to KIA service center) so even if i want to cancel the car i will be paying 5,000 QR or if i want to be repaired i will be adding 25,000 to complete the 50,000 cost of repair. They also mention that if we want we can bring it to the court otherwise accept the 25,000 qr
Once again thank you for your response and for the advices you said.
Some of you are still confused so I will try my best to explain it clearly.
I bought a car from kia on january 2020 and it is under COMPREHENSIVE INSURANCE by QATAR INSURANCE COMPANY (QIS) with a insured value of 48,000 QR
Last 3 weeks if im not mistaken, i had and accident and it was not my fault at all. I was going 30km/h and all of a sudden a mitsubishi pajero just crashed on the back of my car (She said she stepped on the gas instead of the brake) and because of that i hit the car infront of me and that is kia sportage. Moving on we went to the police and good thing she took responsibility for everything and so we waited for the police report. The next day we went to our insurance and showed the police report and everything and we were told to bring the car to KIA Service Center by our insurance and so we did. after a few days we received a call from KIA that the car was getting canceled or labeled as TOTALED and i thought that because of this I will be getting a new car from my insurance but after going to my insurance again they said that they will be giving only 38,000 QR instead of the full value of the car which is 48,000 and that is written on my insurance paper also they explain why i got 38,000 only is because they will be deducting 2% from the total value of the car each month starting from the purchased month. I thought with this value i can clear my car loan but the first finance said i will be needing to add 5,000 qr to clear my car loan and that will be from my own pocket.
So i told my insurance that i dont want it to get cancelled and i want it to be repair so I went to my insurance and they give me some advice and everything and then told me to go to Qatar Islamic Insuirance and told them that i want my car to be repaired but guess what they will be giving just 25,000 for the repair while the total repair cost is 50,000 (according to KIA service center) so even if i want to cancel the car i will be paying 5,000 QR or if i want to be repaired i will be adding 25,000 to complete the 50,000 cost of repair. They also mention that if we want we can bring it to the court otherwise accept the 25,000 qr