It may be in your best interest to contact a lawyer near you at this juncture. In many cases, car accident victims can get duped by their insurance company. My question to you is what kind of damage did the car sustain in the accident? Keep in mind that the cost of the vehicle and that the vehicle is currently worth are two different things. It's really depends on what kind of vehicle: year, make, model, mileage, prior accidents, and the like.
I'm not a lawyer, but here's another piece of advice: Instead of dealing solely with your insurance provider, maybe get a few private estimates from an auto body shops or mechanics near you. it would be smart to get these estimates in writing and present them to your insurance company if they continue to ask you for money.
You can look up what your car may currently be worth, as well as other resources when it comes to salvaging a vehicle after an accident, here: (removed)