Thank you for responding and sharing more information. I am sorry about your situation and my thoughts are with you.
Please know that Insurance companies normally pay what the car was worth before it was stolen. The insurance company is paying you the actual cash value of your car. If you are not sure of the actual value - to confirm that the insurance company is on the up and up - you should consult with a local car dealership.
As you state you don't know if it's an option to refuse their offer and try for more money, you can at least call and tell them that you need some days to think about it - and ask if you can get back to the adjuster - make certain that the settlement offer will still be open.
If you do not agree with the claims settlement, you will need to seek the advice and counsel of an attorney to protect your rights - Also, it would help to review your insurance policy to get a better idea as to where you stand in this matter.
I wish I could tell you something more positive as I'm sure this must be very stressful for you - however, I hope this helped.
If you wish for further information, please let me know.
I do wish you the best.
Peace, Love & Happiness,
The Mystic Wave
Information provided herein is based on my 30 years experience as a legal secretary/paralegal in the State of California, with experience and knowledge in the State of Nevada. This information is not intended to substitute for informed professional legal advice from a practicing, licensed attorney.