Why would insurance offer me more money than requested to total my vehicle?

The at-fault insurer is offering to total my vehicle or for me to withdraw my claim and receive nothing.

I am requesting an amount less than the ACV based on the most recent repair estimate. I wish to keep my car and repair it. I do not want the title history affected.

Per my state law, the car is a total loss if the insurer pays me 100% of the value to replace it or 100% of the value in repairs.

Why would the insurance company want to pay me more money? All it appears to accomplish is negatively impact the title history and make me file for a rebuilt title. Every time I explain what I would like and how it is within the law, they just resend the offer or say "the offer is final." There isn't any discussion or negotiation.

submitted by /u/sidescrollin
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