Oriental Insurance Company — regarding car insurance

Address:

B2-509 Palladium, Corporate Rd, Makarba, Ahmedabad, Gujarat, 380015

My santro car got accident, my idv was 130000 as per policy document,
Total repair estimate is 180000, company is not approving the eligible repair cost,
They are asking to consider this car in total loss but not ready to approve full idv (130000),
They are just bargaining with me for amount they need to pay for total loss,
Offering me 70000 only, thinking to go for legel against them.

Below is the number who is trying to bargaining with me
Insurance agent mobile : [protected]
Car accident survivor number : [protected]

Car insurance policy and estimate from services center is attached

My mobile number: [protected] for any details