Dart is totalled.. now what ?

The insurance company is jacking you around, they are basing their estimate off of possibly an NADA book or something similar. This does not take into consideration the rest of the equipment and work you have in the car. You might talk to your insurance carrier and have them intercede for you. If you have 13k in the car and they only want to give you 2500 there is something really wrong with that, don't you think. If all else fails, get an attorney insurance is a racket that the government has shoved down our throat and fighting them by yourself is almost impossible.