My car was parked legally and vacant when hit. Dr has ins but co refuses to repair my car but total it. Can I sue for repairs?

Insurance co wants to total my 10 year old car and settle for 2061.61 and the estimate to repair my vehicle is 2,513.42. I refused the offer there is only a difference of about 452.00 which the insurance co refuses to pay. I feel this is outrageous an irresponsible. My car is my only transportation and I am currently unemployed and seeking employment. Can her insurance co refuse to repair the damages she made-This seems so unfair. - Is this your question? Add additional information