Good afternoon. If they don't offer you fair value for your car, file a claim against the driver. The driver's insurance company doesn't get to unilaterally decide what the value is...they are not exactly an unbiased party. If you sue the driver, you will then have him join your side against his insurance company because he won't want to be held liable. And, this ups the stakes on the insurance company because the state insurance code provides for them to be liable for triple damages if they fail to reasonably settle.
I hope this has given you information that has been helpful to you. I wish you the best of luck!
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Please be aware that the information provided here is not legal advice. Rather it is simply general information. All states have intricacies in their laws and any information given is simply information only and specifically is not intended to be, nor does it constitute, legal advice. This communication does not establish an attorney-client relationship with you. I hope this answer has been helpful to you.