Dart is totalled.. now what ?

Yep I agree. NEVER accept the first offer from your ins unless of course it's what you want! My Toyota Corolla station wagon was in really great shape. NO rust,ran like a top and 4 brand new snow tires (4wd version). Almost the same thing happened to me and it was the other driver's faiult. Ins still low balled me. I kept driving the car,and told them I would keep driving it unitl they came up with a better offer. It was my daily driver at the time,and you could not find another same car for what they offered,so I went and researched the replacememnt value myself.Based upon my evidence they raised the write off value by almost $1400 and cut me a much more appropriate cheque. Ins companies Damn well know your car is worth more,but it's your adjustor's job to save the ins company money.FIGHT!