Got hit in my dart

The biggest issue I can see is determining the value of the Dart. Insurance companies are not in the habit of paying for more than what is determined to be the value of the vehicle. We all know that car is worth a lot more than $4200 but does the insurance company?
What I'm wondering is if this money is for "repairs" or are they determining it a total loss with no more monies to be had which would be settling the claim.