The insurance cos. are there to make money not friends. They will pay what the market demands and fight you for that. Your only real source of recompence is the driver who hit you. You can sue her in civil court (if you are after less than $5,000 you can use small claims) and perhaps make up the difference between what the insurance co. gives you and what you think the car is worth. You will need to be able to prove what you have in the car or get a couple of private appreisals. I'd say go for it if for no other reason than the experience of using the legal system