2. Regarding the progress of claims, the first is car damage insurance. For the loss of the car, it is natural to wait for the insurance company to determine the loss on the spot, and the compensation amount can only be obtained after the nuclear price is completed. For the accident you described, there may be a relatively large loss of the car, which may be disassembled and inquired, and in the most serious case, total loss compensation may be presumed. If it is a total loss, the compensation amount is the "vehicle insurance amount" stipulated in the policy, and the insurance amount should be paid as much as possible, but the scrapped car should be owned by the insurance company. The car is in the traffic police force, so it is natural to wait for the traffic police force to release the car before discussing the car damage compensation.
3. Personal injury compensation. Compensation for the deceased takes a relatively long time. If there is a dispute between the two parties, it is natural to wait for the court's decision. People who are killed or injured can pay compensation, and the amount of compensation is the "amount of liability insurance for aircraft personnel" indicated in the policy. How much was the gear at that time? (The minimum value is 10000)
4. For the problem of wading, water-related insurance clearly refers to the engine loss caused by continuing to start the car due to heavy rain or flood during the use of the vehicle. The accident you described is not the insurance liability of water-related insurance, but the insurance liability of car damage insurance. I think whether it can be opened after repair depends entirely on the repair shop.
The insurance company assumes that the total loss is because the maintenance price of the vehicle is higher than the replacement price, which means that the repair is more expensive than buying a new one. So talk to the insurance company.
6. Regarding the traffic police's claims and the progress of claims settlement, I think it is necessary to pay compensation for vehicles and personal injuries after the traffic police's ruling. If the injured person is still in the hospital, you can apply to the insurance company to advance some money as rescue expenses. Now that he is detained, it means that he has civil liability. Naturally, he has to wait until the public security department has handled the insurance matters.
I hope my answer is useful to you.