Not at Fault Car Insurance Claim Accident, Total Loss

So i was recently hit,my front end of my 2003 chevy impala which is currently financed and i owe 2000 dollars on the car. The adjuster will be coming out tomorrow 12/28/15 to check it out. I went through the at fault drivers insurance which is Progressive.

The book value or ACV of the car according to multiple websites is right around $2100

I went and got an estimate on my own and before the mechanic look under the car, based on body damage and my tire alone, the estimate was for $1900. So there is a strong possibility he will consider it a total loss.

The way i see it is i have two o
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