Hate to tell you this, but you are 100% correct, the ins. co. will try to give you "book value" for your car, buttuming that the cost to repair is greater than the book value. However, there's nothing that says you can't negotiate with them. Things that will help prop up your case would be clbuttified ads for similar cars with prices, pictures of your car and its presumably excellent condition, maintenance records, etc. etc. etc. Don't be afraid to tell them that you think that they are lowballing you. If you have done your research they might turn around and offer you more money right then without you having to even mention the "L" word.
BTW in "excellent" condition, a '90 Protege LX with no options in my area is worth $2150 retail, according to KBB.com. (retail = from dealer, private party = buying from say a clbuttified ad, trade in = well that should be self explanatory) might want to try there and Edmunds and see what your car is worth according to them, if you are not at fault they should at LEAST offer you book value, and I would think retail (since if they do total it you will have to go through the trouble of buying another car)
good luck,
nate
