If you can show the insurance company what you believe the car is worth, and prove it to them its possible to get more than the car is 'worth'
my black svt that was totaled was BB at 7000. ended up getting significantly more for it. I showed other auctions for Tours that showed a higher price than 7000. Many of which were from this site!
Back on topic,
I say fix the car yourself and sell it. Buy something nice with the cash
