First try supporting your argument with the adjusters with your independent appraisal report, some internet value reports (kbb.com, edmunds.com, cars.com, etc.). Then decide whether to put this issue into suit. If you are already suing for an injury suffered in the collision, then you may (I don't know VA law on this issue) be able to include the property damage claim as well.
If you accept the $741.00, the insurance company, along with your check, will have you sign a release of claims to return to them. The release will provide that by you accepting the $741.00, you cannot make a claim against the insurance company on this claim forever. If you don't sign the release, you can't cash / accept the check. So you're idea of collecting the $741.00 first and the collecting the remainding money later, is not possible.
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