I have been recomended to go for Total loss for my 2008 model Maruti suzuki Swift LDi whose IDV is only 2,77,000, which is much lesser than the market value. The showroom peple surveyed and estimated 3.25 lakhs as repair cost which is utter non sense as the vehicle is not fully damaged and there is no harm to engine.
A car is considered a total loss if it cannot be repaired safely or is not economically practical. And your car fits in it completely, why you are denying it.