What is the value of my car? How much should Insurance pay me?

Can you guys help me out, my insurance called me and they said its a total loss so they quote me that they will pay (ACV) $11,020. To me that seems pretty low on Kelley Blue Book I get a quote of $14,740 unless I am doing something wrong?

Information about my car
2010 Honda Accord EX-L V6 3.5 (Black)
Leather Seat (Black)
Dual Power Seats, Multi Disc, XM Radio
Traction Control, Premium Sound
All stocks, clean record, no modifications.
State: Michigan
Excellent Condition. No dents.

How much should I actually get from my insurance? Can I fight their offer of the ACV?

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