I need Advise

<div>In my +4 years I never had problem with the insurance even now I think they are trying their best to assist me now my problem is on the 8th of Dec 2019 I was involved in an accident which affected the right hand side of the car and the car is still driverble, I received email that the car is uneconomically repairable therefore it's a writeoff, I am still paying the car and now I am left with only few installments so my question is can they compensate me with atleast half of the money and I'll fix the car by myself or they are going to give me the market value of the car which is tabulated as 82000 at this moment in time. I also need advise which one will be the best option for me, to fix the car or allow the insurance to writeoff the car? writing off the car will never be an easy option for me cause I love the car and it has never experienced mechanical problem and I also think I can get better quotations from different panel beaters. </div>