Unfair write off

I have been insured with miway for 5years and never claimed or skip my premium,my vehicle was ****** in my complex at night while I was sleeping, it was later recovered with some interior parts unplugged therefore miway did an assessment and confirm that the car is repairable but uneconomical to repair and it lead to the decision of writing off my car, I humbly requested them to give me other options than to write off the car because I am left with few months to pay off the car.i even wrote a dispute email but they reject my email,and I have serious concern with their high pricing quote, I therefore ask to bring quotes from RMI registered panel beaters and still they decline with some reasons,but on their quotes they quoted items that were recovered and undamaged, when I sent email of complaint and request the answers in writing they only forwarded the previous email that they sent when they reject my quotes,and I am still waiting for their respond in why did they quote recovered items to make the quote uneconomical, and this is affecting me negatively in my day to day schedule