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you have insurance yourself, use it, and let them fight it out. if your insurer wants to declare it a loss, then offer to buy it from them.
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If my sum insured was $2K higher, yes, I’d leave it to them. But to accept a non-WOVR total loss puts me in a position of having a car that cannot be comprehensively reinsured (by the same company who declared it a loss) until it’s assessed by the insurer post repair (or so I was told by Shannons in 2013).
If a letter of demand for minor accident damage is forwarded to an insurer by a fleet owner, I presume insurers typically ignore it until a civil claim is lodged - is this correct?