just my xp lah(was a call man b4)....if the car is not declare as a total loss...the it will be sent to a panel worlshop to be repaired...then the workshop will sent an estimate to the insurance company which will sent an adjuster to look at the car...then the adjuster will report back to whether to approve r not the claim...so if claim approve, let say for RM 10,000..then the commission for outsider call mans are ----> first to report and on site = 10%, 2nd on site = 2%,3rd on site (settle) = RM 50,follow-up = RM 100-200,4-8th person = RM 10 (pull / petrol money)....balance go to workshoplah...tis was in year 2000 lah...now dunno...
* some workshop still bears for the summons so owner pays nothing
** if total loss, workshop gets nothing only towing and storage only...
***from my xp...theres one insurance company that have express claims (dun wan to name) so kedekut to pay claim + so long to approve claim...