Protecting polo

I was in bhiwadi for a meeting I started from bhiwadi to vasant kunj Its about 80to90 km away. I was driving at 40 kmph and then a truck came and crashed me I was wearing seatbelt so I be protected from my polo my whole polo toota-phoota but I be safe in my polo i spend 2,00,000 rs for servicing but my car was in insurance so I spend only 1001 rs for file charge if any other car was there I was dead time