Total Loss ACV vs Settlement value

Hi, I recently purchased a Honda Accord EX-L 2008 model on Dec-26, 2007. Unfortunately I met with an accident on the 14th of Jan 2008 (my fault) and I have comprehensive collision and damage coverage and also GAP insurance since I financed the car. The insurance company has declared my car TOTAL. I inspected the car and the front guard, the bonet, right side mirror, and lamps are totally damaged. The radioator is damaged and I believe there is a damage with the a/c hose pipes. The right side of the car has dents and needs painting. I believe there is no damage to the engine or interior. I am not satisfied with the decision as I believe the car is still repairable and I dont know what the ACV will turn out to be. The insurance person told me that the cost in fixing the car will be around $13000 which includes any suspected hidden damages (estimated). Can someone put complete focus on what steps should I take and if the car is really a total loss then what is the best deal I should expect based on the make/model/200 miles/and the description of damages? How long does it take for the cheque to reach the bank if its a total loss, since after that only I can go for GAP and GAP has a time limit of 90 days from the date of accident. Please provide me as much information as possible since I am new to USA and do not know many things which I can easily overlook. Thanks for the replies in advance.