Don't accept their offer- that is a joke.
Pull comparative vehicles for sale and send them to the adjuster.
Also demand to see their evaluation and how they came up with the #.
If they refuse- tell them you will file a DOI (department of insurance) complaint for bad faith.
They hate that stuff- trust me- I know.
You can also demand they show you where the vehicle is available that is 11K...Tell them you will buy it.