Based off of an accident that totaled my beautiful truck, similer situation, i escaped unscathed, but, my truck was appraised b4 the accident at 16,000, for all the work i out into it, and the insurance co. offered me 3,000 ......I flipped! 3k because of the year.....but to top it all off, the idiot did not have insurance, but i lucked out and he was rich, he just did not feel the need to provide insurance......wierd but true. only thing i can say, is good luck, if you contact the correct lawyer, they might advise you to sue your insurance co. but you would end up having to be insured by a new co.
good luck