Aotearoa / New Zealand

At the end of the claim, you should have your car back in the same condition it was prior to the accident. If repairing it is going to cost more than the vehicle's value, then you should get its market value. Comprhensive cover (insured amount) should only come into play if you are the at-fault party.

Your insurance company will be chasing the other party's insurance company for the costs of getting you back on the road. Sometimes, your insurance company is the other party's company, as well. In this situation, they are meant to stay impartial and look after you both as well as possible. That can be an issue though when they are chasing themselves for the costs of the accident. Don't let them mess you about with insured value of the vehicle if you weren't at fault.

Make note of what they are saying (literally: with a pen and paper), and the dates/times of the calls. Be clear that you expect to have the vehicle repaired or replaced. This is precisely what you are paying all that money for for and the whole purpose of their existence. If they refuse, take your notes and go to IFSO.