2008 Nissan Altima. 201k miles. Hit a deer last week and insurance now declared it a total loss. They are offering me 2k to keep the car and 3k for a buyout. Initially bought it for 3400 in June of this year.
Pictures of my car: https://imgur.com/a/KT1z454
If I were you I’d dispute it and provide documentation of your purchase price in June. How many miles have you put on it since? Have you gotten any offers (carvana, carmax, etc) showing what the value would be currently? These are all tools in your toolbelt towards negotiating for a better buyout. That being said if the insurance company pays out more and you’re at fault expect it to have an impact on your rates going forward.