Progressive Deeming Total Loss

I was recently in an accident and progressive is trying to call my car a total loss. It's a 2020 Equinox LT (115k miles) with radiator damage and denting in front bumper. Had family mechanic do an assessmenton it before insurance adjustor came to tow it and deemed repairs to be under $5k, but insurance is stating for repair it'd be well over 9 thousand. Progressive had it less then 24 hours before deeming it a loss.

I'm currently financing the vehicle and unfortunately have negative equity on it. Adj isn't being super cooperative unfortunately, so I'm unsure when she will get back to me on answering this. In AZ, does anyone know if I am able to just cancel the claim so I can keep my vehicle? I was deemed partially at fault for accident due to bumper to bumper traffic and everything just being a nightmare during rush hour.

If I am stuck paying the rest of the car loan, I'd rather be able to keep the car and just pay for the repairs itself. Mechanic friend has already stated it would take 2-3 days tops to repair and I'd rather just deal with that nonsense. I know insurance rates would go up, but I'd rather deal with that then no car and losing job.