Negotiating Nationwide Collision Claim on '99 Hyundai Tiburon?

I live in Pennsylvania, and have Collision on my Nationwide insurance policy. with a $500.00 Deductible. My 1999 Hyundai Tiburon was declared a total loss and I was at fault. It had about 104400 miles, A/C, and a rear spoiler, an aftermarket cd player that I had removed to use in another car. I apparently didn't have a rental car option on my policy, so I am paying for that out of pocket.

Before the collision-car was in good shape a few scratches and dents, nothing major, inside was clean, no damaged interior-car was well taken care of. Had some "sunburn", but the car had it when I bought it. Car was purchased about a year ago- for $4500 from a dealer.

My insurance adjuster called me today, and gave me a total claim amount of $3100, minus my $500 deductible would be about $2600.

I feel this amount is a bit low-not that I am looking for a fortune, but even $3000 in my pocket would be nice. Now I didn't agree to anything, and claim will not be complete unless I send them the title.

I am waiting for them to send a copy of the paperwork for my review, and was wondering if there are any questions I should ask them, or look for things in the estimate that are missing and/or shouldn't be there. Should I negotiate if it isn't a fair price, and how should I go about it?? Any info/advice would be very helpful-without comments about how females can't drive :(