2002 Land Rover Freelander SE 75,000 mi - totalled :(

I need some help with determining value on my 2002 Land Rover Freelander SE. Progressive tried to force me to have it towed to a salvage yard but I refused because the vehicle is perfectly driveable still. It's been 2 weeks and I finally take it in today to their adjuster (they refused to come to my home and said this was the soonest they could see me) for an estimate. I already took it to my local autobody shop who said the damage was $8,100 which exceeds the 80% threshold. I know everyone says their car is in Excellent condition...but this vehicle really looks brand new still...no one ever sat in the back leather seats and it doesn't even have a ding on it. HELP please...