Back in '86, some clown ran a red light and totaled my '68 GTO convertible. I made sure I signed a complaint with the police. He was found guilty. His INS. co only offered $1000.00 for the car. I lawyered up, had plenty of pics, and they came up with $4,500.00 If it's not a fair offer, get comps, pics, classic values , etc. and have a lawyer write a good letter. Ins. companies don't like litigation. Also name the driver as a defendant. This will get their attention.