Automobile insurance comprehensive claim question. Help!!?

I live in Gastonia, NC and have a comprehensive insurance claim in process. The value of the car is 11,650.00 and the estimate on the claim is 8,705.49. What are my options and rights? The damage is very close to being 75% of the value of the car. I am not out to take advantage of anyone, but I work hard for what I have and I want to be absolutely sure I am not cheating myself. Can someone with experience with this situation, the laws or work in the field please help me? Your help is much appreciated.