Motor insurance policy provides total loss benefit against car accident: What it means for you?

IDV is calculated by considering the manufacturers listing price of the vehicle minus depreciation. However, the cost of registration and insurance premium are not included.

from Wealth-Economic Times https://economictimes.indiatimes.com/wealth/insure/motor-insurance/motor-insurance-policy-provides-total-loss-benefit-against-car-accident-what-it-means-for-you/articleshow/68297969.cms