You don't have to accept their initial offer at all. However, negotiating could take a long time, as insurers are notorious for ragging the puck (they don't care how long it takes, but they know you do!). If you're willing to battle it out over $1500, then hold your ground and they should come around, but you could go crazy while in limbo. You can also hire a public adjuster to help you negotiate your claim, but they charge an hourly rate usually a little less than a lawyer.
Remember mileage and trim lines need to be identical when finding comparable vehicles for pricing purposes. If you can't find anything in Canada, look in the states and then convert the dollar over. Sometimes you can also negotiate to keep your salvage titled vehicle for spare parts, and that might help make up for the $1500 difference if you look at it that way.
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