I agreee, when I was talking to the insurance people about another Z I had in the past they were talking like 800 to 1000, I told the lady that she was crazy and that we would see when the Insurance adjuster comes out.
Well so happens to be the adjuster used to own a 1600, still owns a 2000, and was currently restoring a Austin BNZ3000, so I lucked out, and he payed for everything.
Just in case like all others have said, dont settle, get information and reciepts and also show what it will cost to replace the car.
Irregaurdless they HAVE TO REPLACE your loss. Totally the fault of the other person so fight on!!