Please note that if you have paid premium as per IDV you will be only entitled to the amount as per IDV. If they refuse to reimburse the amount as per IDV then you can claim it by filing a consumer complaint. Remaining extra amount you are bound to pay which is more than IDV.
If your claim is declared as a Total Constructive Loss, the insurance company would pay the Insured Declared Value (IDV) of your vehicle after deducting the estimated wreck value or scrap value. The scrap value is the estimated price that can be earned by selling off the damaged car and its parts as scrap.
However, you can get the vehicle repaired if you want. The insurance company would pay the Total Constructive Loss claim and would be free from any further liability on the vehicle.