Sorry to hear of your accident, and there has been a great amount of info listed.
If you have any reservations, just ask the insurance company to qualify how they came up with that number. IE. base model price, options for that car, any thing you will see in the NADA or other reference.
My experience after a totalled Volvo wagen, they low balled, but after three rounds of questions with the NADA, they provided more than I could justify. I accepted.
Any way you choose, Best of Luck !!