There cannot be any negotiation with either the surveyor or the Insurer. If the aggregate cost of retrieval of the vehicle either eqal to or exceeding 75% of the IDV, the claim must be settled on Constructive Total Loss Basis. The market value of the said model of vehicle has nothing to do with claim, IDV of the vehicle is the market value through out the policy period and the Insurer has no right whatsoever to deny the same.