check VA law on diminished value. I live in MD and just went through this process. To give you an idea, there ws 9,400 in damage to my 2012 charger, After two months ging back and fourth I ended up with a check for 2,500 minus 300 for my own appriaser to work my numbers.
The INS company offered me 1,100 at first. I told them to pound sand. Long story short I ended up with a decent amount. However it was a pain in the ass and i would have perfered closer to 4k, thats real world. So I got the check and traded it in for a Camaro and used the 2,500 as a down payment