Edmunds says that you could buy one from a dealer for $5000 with only the optional power driver’s seat. Other options will increase the value somewhat. I believe that the insurer should pay replacement value at a dealer and nothing less. After all, you are replacing it and should get replacement value. Trade-in value is utterly unacceptable, and private sale value is not much better. You didn’t tell us what the mileage is, but if it’s under 120,000 the value should still be about $5000. If you give us a list of options and the mileage, we can assess the value better.