Unfortunately the blue book means nothing any more. I guess what they are looking at is the cost of repairs vs the value of the car which is probably, I'm guessing around 9k. Most states then apply a percentage of cost to repair to what the vehicle is worth. 70-75% in my state totals a car. So that is more than likely what is going on. Did you discuss the rims and cost of the new paint job with the adjuster? Make sure you did that. Sorry it happened to you.