Dakota/ other projects are kickin my old A$$

Yes, refuse their offer if it's too low (probably will be because truck was nice). Allstate did this when someone rear ended my son in his 78 Firebird. Allstate started showing me "comps" in my area, ads anyway. I drove to those ads and took pictures, holly crap what a bunch of junk. I sent the pics in, got the price raised but only by just over a grand. As 451Cuda said, stand your ground, good luck!