Insurer offering way below market value for my totaled car - what can I actually do?

My car got totaled two weeks ago - other driver ran a red light and hit me. Not my fault, filed through their liability insurer. The adjuster just sent over an ACV offer and it's about $4,200 less than what I can find the same car listed for on every dealership and private sale site within 30 miles of me.

My car was a 2019 with 48k miles, no accidents, good condition. Their offer is $14,100. I can literally pull up 6 comparable vehicles right now starting at $17,500 to $18,900. I don't understand how they arrived at this number and the adjuster just keeps saying it's "based on the market data."

I don't want to just take it because that's a huge gap but I also have no idea what I'm doing here. Is disputing this even worth it? Has anyone actually gotten their number revised? What's the process?