I say always negotiate with your insurance company. My father's 89 740 gle was totaled a year ago, and the initial offer was only 4,000. By the time he had finished it was 10,000 (all canadian so you'll realise why so high). His final tactic was to tell them to find him the same car with about the same milage (in his case only 150,000 km) in the same condition (mint). After they took a look they upped the offer to what it should have been in the first place.