I have actually written off 3 cars (yeah yeah i know, but that was all a while back). Here's my advice.
Never accept their first offer. They will usually try to low ball you so go to autotrader, find some vehicles similar to yours and show them the prices. Demand that they give you that price and if that doesn't work, tell them that you will talk to a lawyer because it's not fair. I was offered $6000 by my insurance company for a 1990 Nissan 240SX back in 2001 and I negotiated it up to $7700 after a week or so.
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