My wife got t-boned in an accord I used to have and they totaled it and due to condition and low mileage I got back more then I bought it for. My ins. does something called fair market value not blue book value so I was ready to argue with them to try to get what I thought was fair and it ended up being more then I expected plus the registration was pro rated as well as the insurance for that vehicle. The fair market value was determined by finding like (similar) vehicles and determining a average market value. But I guess the question you should ask your ins. company is how do they determine the value of the vehicle. I printed several car ads with the intent of proving my vehicle was worth more then they were going to offer however I never needed that.
Our downside was we were sued by the lady who hit her a scammer for sure for 2 mil and it almost went to trial and we both had the same ins. company.
Good Luck and be thankful she is ok, cars can be replaced.