Are my only options are to accept a total loss or pay out of pocket to fix my car?

Question Details: I hit someone from the back and reported it to my insurance company. There was no big impact, just the grill and hood where basically damaged. The insurance company stated its a total loss, due to a 75 threshold. The mechanic told me that I can fix it for $4000. The insurance company said no it's $6400 and the market value of the car is $8700. There for accept the total loss or decline the claim. I want my car. Is this legit.

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