大律师您好！
上个月撞车，对方负全责且有保险（AMI）。我的车2001年本田雅阁是全保（State），保金为$10,667。按保险公司要求将车放在指定的修车行，估修理费约八千纽币，保险公司State认为修理不经济，只同意按市场价（State从两家估价公司估的价：一家四千，一家五千）均价四千五赔钱。而我从车行估的价为九千五，从Trademe等查到的同类车价格在八千到一万二。按State赔付政策如下：
The Amount We Will Pay
1 If we consider your Vehicle is economic to repair, we may
(a) arrange to repair your Vehicle or
(b) pay the cost of repair estimated by our assessor
2 If we consider your Vehicle is uneconomic to repair, we may
(a) replace your Vehicle with a new vehicle of the same model and specification, if availabe in New Zealand, following an Event with 12 months of purchase new by you, or
(b) replace your Vehicle with equivalent vehicle, if available in New Zealand, following an Event when your Vehicle is over 12 months old or if you did not purchase your vehicle new, or
(c) pay the market value up to the current Sum Insured
现在请问：
1 我的车险为$10,667, 而修理费才八千，我可以认为此车可以休吗？
2 若不休理，保险公司说可以让我在市面上找一部同年代同款式同公里数同等车况的车，这是不是保险公司故意刁难？
3 按照四千五赔付，在市场根本买不到同类车，我可以要求保险公司赔更多吗？
4 保险公司可以强迫我接受他们认定的市场价赔付吗？
谢谢！作者: AMICUS_LAW 时间: 2011-2-1 12:39:08