Sorry for your loss. Glad your daughter is OK.
Insurers typically submit the vehicle's VIN, mileage, options and condition to companies like CCC to get a value. CCC looks at the guide books and comparable vehicles (model, age, mileage) to come up with a number.
Then they submit this value, the approximate repair amount and the vehicle info to companies like Co-Part to get a salvage value. (This is not a factor if they take the car.)
So, retail value, less deduct is your settlement. Or, if you retain the salvage, retail, less salvage (which the insurer would have recovered at auction), less deduct is your settlement.
If you feel the offer is low. Submitting your own comparables (similar age, mileage, condition) from Craigslist, etc, and confirming the figures in the current NADA / Kelly may help. They are "buying" the car from you. The adjuster wants to close files, within reason.
Good luck.