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Message: <blockquote data-quote="Yeow" data-source="post: 705350" data-attributes="member: 23861">I believe the RM238K quoted is the ABI sum insured. ABI is a centralised database to provide the current vehicle value to the insurer. This figure is usually higher than the outside market value. If you agree to insure your vehicle to this sum, in total loss case, they'll pay that amount to you (RM238K).If you decide not to follow the recommended amount, you can lower the amount but when you totaled your car, the amount paid will be the current market value at the point of the accident, not the sum you insure. Of course, if the current market value is higher than the insured amount, you'll only get what the amount insured.</blockquote>