Adding to my earlier post, any advice that OP start negotiation from anything but full retail replacement is bad advice. An insurance company offering you depreciated market value of your totaled car or what have you when you are the customer is not the same thing as liability for someone elses loss. They do not want to be sued and they want these things cleared up fast. You may not get every penny but start from a position of strength and get them to negotiate down.
Also, since op was injured, he is entitled for compensation for any costs, including car mileage and time to get to PT, for that. Estimate those and add to the bill.