Thanks for the great responses! To answer some of the questions:
-My insurance company is taking a look at the proposal to see if they feel there is low-balling going on
-value of the car is $14K based on my research. So $1K would be ~7% of the value. Personally, I shouldn’t have to pay a nickel of my own money since the accident was not my fault. I’m already spending $$$$ in the form of my time dealing with this
-my car has low mileage, so comps are hard to find anywhere, much less my area. The few I’ve seen that are lesser cars (in my opinion) with the same mileage are close to my estimate
-salvage value is $3K. Car is still drivable, but frame is bent. Still driving it (sparingly)
-they did offer the taxes/fees on top of the valuation, so that is good
-injuries are minor, med bills are minor/modest, med. adjuster has been mostly fine, so I don’t foresee an issue there