Does this seem fair?

Last Friday, I was involved in an aut accident that ended up having my vehicle totalled. My car was a 1995 Honda Accord LX, 4cyl, nothing fancy at all about it. It had about 151k miles on it.

Here she is:

I just got off the phone with the USAA person and they are offering the following:

USAA Retention                                             
ACV $2,525.00                                              
Sales Tax $176.75 @7.00%                                   
Title Fee $18.00                                           
License Plate Transfer Fee $5.00

Subtotal $2,724.75                                         
Deductible $500.00                                         
Total $2,224.75

The Deductible she “thinks” they will waive… I insisted that they do. The other driver has USAA insurance as well.

What would you do?