She's totalled

Rear ended at about 35mph. Frame is bent and USAA totalled it. 2016 Sport with 76k miles. They want to give me $31.5k for it. I'll never find a replacement for that price and interest rates are ridiculous. I want to fight USAA for more. I just put new tires on about 5k miles ago, but cant think of much else to get them to give me a bump. Just sharing, but any advice is welcome.