


Can my virtus declare as Total loss if I want to repair it?
My VW Virtus met with an accident while we were trying to save a dog. The speed was around 30 km/h and the car hit a divider. The car is fine with back, left and right. There is no damage there. Only in front there is an issue.
We bought the car in January last year, and it is our first car. We have insurance and have already raised a claim.
VW authorised service centre has given an estimate of around ₹12 lakh ( including 170000 gst). In the estimate they told that engine may need replacement so the estimate costs 12 lakh. The car's IDV is around ₹17 lakh.
VW service centre has given us the option of declaring it a total loss, but we don't want that. We are completely fine with waiting for the repairs and want to keep the car.
My question is can the insurance company forcefully declare it as total loss even if we are willing to repair it?
Would appreciate advice from anyone who has gone through a similar situation.