You should see if they'll give you $18,000 and let you keep the wreck.

 

I know it's kind of late. But you can negotiate with insurance companies. Print out ads of similar cars in the area and the prices they're selling for and show it to the adjuster.


I totaled one of my old Integra. The other person's insurance company wanted to give me $3800. I didn't accept their offer and fought for what my car is worth. I ended up getting $5600 from them. So fight for what your car is worth.