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My car was stolen and recovered, insurance are offering me a low figure or they will repair it.any advis?

car: renault megane dynamiquie, 1.9 dci, mileage 106,000, black, 5dr, before stolen: smooth drive, nothing wrong with it.. after stolen recovered: insurance says it will cost 2300 to repair it hence offered me 'total loss' and got me a 'salvage offer' of 4k. Insurance is saying I only got two opetions accept offer or have it repaired. I think offer is low and dont want to get it repaired in case something else goes wrong with afterwards.. I always thought you can reject first offer so how come in this case I am not getting the option to reject offer??? Insurance are saying they are getting on 4k from salvages for the car hence wont give me more then that.. but shouldnt my insrance top up with some more or am I being silly? please advise.....

   








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car: renault megane dynamiquie, 1.9 dci, mileage 106,000, black, 5dr, before stolen: smooth drive, nothing wrong with it.. after stolen recovered: insurance says it will cost 2300 to repair it hence offered me 'total loss' and got me a 'salvage offer' of 4k. Insurance is saying I only got two opetions accept offer or have it repaired. I think offer is low and dont want to get it repaired in case something else goes wrong with afterwards.. I always thought you can reject first offer so how come in this case I am not getting the option to reject offer??? Insurance are saying they are getting on 4k from salvages for the car hence wont give me more then that.. but shouldnt my insrance top up with some more or am I being silly? please advise.....


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My car was stolen and recovered, insurance are offering me a low figure or they will repair it.any advis?
car: renault megane dynamiquie, 1.9 dci, mileage 106,000, black, 5dr, before stolen: smooth drive, nothing wrong with it.. after stolen recovered: insurance says it will cost 2300 to repair it hence offered me 'total loss' and got me a 'salvage offer' of 4k. Insurance is saying I only got two opetions accept offer or have it repaired. I think offer is low and dont want to get it repaired in case something else goes wrong with afterwards.. I always thought you can reject first offer so how come in this case I am not getting the option to reject offer??? Insurance are saying they are getting on 4k from salvages for the car hence wont give me more then that.. but shouldnt my insrance top up with some more or am I being silly? please advise.....


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My car was stolen and recovered, insurance are offering me a low figure or they will repair it.any advis?
car: renault megane dynamiquie, 1.9 dci, mileage 106,000, black, 5dr, before stolen: smooth drive, nothing wrong with it.. after stolen recovered: insurance says it will cost 2300 to repair it hence offered me 'total loss' and got me a 'salvage offer' of 4k. Insurance is saying I only got two opetions accept offer or have it repaired. I think offer is low and dont want to get it repaired in case something else goes wrong with afterwards.. I always thought you can reject first offer so how come in this case I am not getting the option to reject offer??? Insurance are saying they are getting on 4k from salvages for the car hence wont give me more then that.. but shouldnt my insrance top up with some more or am I being silly? please advise.....