Toyota Camry: The day my baby died...

I was driving home in my baby from work last week. As usual, the fast lane was the slowest
lane during rush hour and our lane was stopped. In the rear view mirror I saw a Jeep
Liberty barreling down my lane. He was 1/4 mile at least. He made no effort to cut down
his speed until he was less than 100 ft away. I guess he had just noticed that we were
stopped. Sensing what was going to happen, I maneuvered my car to the shoulder of the road
so that he would have a couple more feet to stop. Apparently he had the same idea. He
managed to stop just short of me. Unfortunately he stopped so quickly that the Toyota
pickup behind him barely had time to hit the brakes. Toyota pickup crashed into Liberty
crashed into Camry. My baby was totaled, the rear end being nothing but a hunk of twisted
metal. Needless to say, the Toyota pickup's insurance company is picking up the tab.
Here is my question:
The insurance company totaled my car. They are offering about $3200+taxes for a
fully loaded, 1990 Camry V6 LE with 126,000 miles on it. Since I wasn't planning on
selling it, I had no idea of the value, so I looked at the classifieds and found 4 ads for
the same vehicle (almost all had more miles on them than mine) and the average came to
about $4700. I figure this to be kinda high, with these being dealership prices. I told
the insurance company that I thought their offer was low. They replied that their figure
was fair and was arrived at by outsourcing a service called Autosource, who had 37
vehicles of the same make and model within a 96 mile radius in their listings database.
How can Autosource have 37 1990 Camry LE's when I could only find 4??? I used as many
online search engines as I could find. I asked to see the listings that Autosource used so
that I could verify the price and the insurance agent indicated that she would send the
listings to me. What do you guys think? Should I take the money and run?? Should I hold
out? They seem to have a good case for their price, although I haven't seen the data yet.
I've never negotiated with an insurance company before. Anyone have any tips?

TDY wrote:
 

On a 1990 Camry V6, you can bet it would of beena bout $500 if it was a
Taurus.



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SENATOR ZELL MILLER DEMOCRAT OF GEORGIA, the nation's most prominent
conservative Democrat, said today he will endorse President Bush for
re-election in 2004 and campaign for him if Bush wishes him to. Miller
said Bush is "the right man at the right time" to govern the country.

The next five years "will determine the kind of world my children and
grandchildren will live in," Miller said in an interview. And he
wouldn't "trust" any of the nine Democratic presidential candidates with
governing during "that crucial period," he said. "This Democrat will
vote for President Bush in 2004."