insurance company is selling the vehicle and showing it as total loss.

I got into an accident on 24th Jan 2021. I took my vehicle to service center they submitted the estimate of 5lakhs which is more then 75% of idv value. surveyor surveyed the vehicle and ask them to reestimate as they had overhipe the estimation. service center re-submited the estimate of 4lakhs which is 67% of idv. by this time insurer put my vehicle on evaluation and got the buyer who is ready my vehicle in 5.11 lakhs. now insurance company deny to approve any estimate and said we will take your vehicle as total loss and give you the idv value. however I m not ready to take the idv value and want to repair my car. insurance company is saying they can't take risk to repair my car as estimated cost to repair the vehicle is almost 70%. please suggest what should I do as I don't want to lose my car. I also have raised the same with irda however still not getting any positive response.