I learned a long time ago not to accept the first offer from the insurance company. They want to pay you the least that they can. It is their job. Be nice but firm. Good luck.
Hmm, not sure this always applies. State Farm told me "we will pay to get your car back to factory condition, and use OEM parts, you can take it anywhere, and we will send you a diminished value check".
Not sure what else I could have asked for?