Anchorman's points are well taken,
but I think the insurance agent is over-valuing your car. I doubt they could find a salvager willing to pay more than $1k for it. If this is something you're serious about, I'd counter offer $10k and your car. Chances are the adjuster will accept just to get the file off his desk, just like a similar situation I found myself in with a BMW 2002tii.
[quote name='FRANCK']Driving with summer performance tires below 32 F is something I won't do again.[/quote]
+1
The GF just convinced me be buy a proper winter car and it started snowing on the way to pick it up and I ended up sliding off the freeway. Luckily, no damage though.
Sorry about your car