USAA Insurance company Settlement of property damage/diminishment in value Manassas, Va Nationwide

I was rear-ended by an insured represented by USAA Insurance Company. (I am also in insurance myself ) I have requested diminishement in value as my car was brand new (fresh of the dealership lost less than two months) when their insured admittedly rear-ended my vehicle. My vehicle has since been repairs. However, since my vehicle now has an accident on the car-fax report the value of my vehicle has decreased just because of that accident. I had two indepent apprasials done on my vehicle - the second being the one USAA rep. requested that I had done at the dealership (basically a trade-in offer whowing what I can get now and what I would have gotten had the incident never happened)

Long story short -

Appraisal one- DIV is $4,386

Appraisal two - DIV is $3,800

USAA's offer in DIV is $767.

With insurance the insured is to "indemnify" me -make me whole again to how I was seconds before he hit my car. Well short of buying my a new car to replace my , then, new car then next best thing is DIV. Now ecplain to me how USAA (or any sane person) can equate $767 to be 'fair and resonable' when the two apprasials I have only differ in amount by $586?!

I want and deserve to be indemnified.