Dart is totalled.. now what ?

Just remember the other guys insurance company has no obligation to pay you anything.
Their only obligation is to protect their costumer. That being said you have no obligation to accept anything they offer.
If you have 13k in receipts on the car then you can sue the owner of the suv for 13K or more and their insurance company has to protect them against the lawsuit.
Ignore the insurance company, get an appraisal on the car and an estimate to fix it and threaten to sue the driver and the owner of the SUV for the lessor of the 2.

Good luck.