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Is my insurance company screwing me over?

I was in a car accident about two weeks ago ( it was a hit and run) and my car sustained a considerable amount of damage. My 2002 Ford Foucs is worth about $3900 according to my appraiser because the mileage is low ( about 106k) and it was in very good condition. The cost of repairs was set to be about $3100 and some change. I kept pushing my insurance to just total out my car, but they won't because the body shop says it can be repaired. Am I in the wrong here? Maybe I am not understanding, but in what universe does it make sense to pay $3100 worth of repairs for a $3900 car??? Not only that, but my car has frame damage so now even if they fix it I won't be able to trade it in because no respectable dealer will take it. What should I do?

   








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Is my insurance company screwing me over?
I was in a car accident about two weeks ago ( it was a hit and run) and my car sustained a considerable amount of damage. My 2002 Ford Foucs is worth about $3900 according to my appraiser because the mileage is low ( about 106k) and it was in very good condition. The cost of repairs was set to be about $3100 and some change. I kept pushing my insurance to just total out my car, but they won't because the body shop says it can be repaired. Am I in the wrong here? Maybe I am not understanding, but in what universe does it make sense to pay $3100 worth of repairs for a $3900 car??? Not only that, but my car has frame damage so now even if they fix it I won't be able to trade it in because no respectable dealer will take it. What should I do?