RIP-OFF BY MIWAY INSURANCE

I was involved in a vehicle accident while driving back home, and the vehicle capsized. Obviously they first option was to write-off the vehicle as uneconomically repairable, after their internal assessor. I asked for second opinion as I would like to keep the vehicle, and obviously for personal reasons. I got an opposing view from the an accredited Panelbeater, register with MiWay's database of Panelbeaters. I tried to negotiate with them for a settlement, minimum settlement amount to repair the vehicle and ill cover the short-fall. Obviously they refused to setttle with me, stating that the vehicle is under finance. They giving me two options, one is completely write-off the vehicle (settle with the bank), two withdraw my claim and keep the vehicle & repair it myself, and last option is to Buy-Back the vehicle with consent from MFC. however the Assessor/Claim (White Guy) is refusing to settle for anything, except the withdrawal of claim and agreeing to write-off my vehicle.

I am not Happy with MiWay, how come they so quick to push for a write-off and withdrawal of my claim. But totally refusing for a settlement.