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Insurance companies often use a third-party service to place a value on the car. Companies like CCC One do a "market evaluation" which is used to determine the value they offer. It's been my experience that the people that do these valuations know less than nothing about the process and the values derived from them are no better than what could be achieved with a dartboard and the local classifieds.
If the car wasn't a complete turd, get a copy of whatever they use to determine the value and see what it says. You don't need an attorney, you can do it yourself. I've been down this road a few times and negotiated much better settlements than what the insurance company first offered.
JR
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