Don't forget Russ, that's their opening Gambit. I'vknown several people who've gone back to the insurance company and pushed them for more! That said, I'm not sure if they might also reserve the right to offer you less??
Presumably the car's CD player is already included in their offer figure? If not, would that be covered on your house insurance?
as a former employee of Pru working in claims i can strongly recommend you try and push for more, we always offered bottom book price. The motor engineer always gave a top and bottom figure, don't be too greedy or silly with your reply, no chane of buying the salvage ??