Insurance in Ontario is different unfortunately, and find every opportunity to short-change you.
That being said, be prepared for a low-ball offer. Be reasonable with your expectations, and be open with the negotiator to a point. When my MKIII was written off, I actually dealt with a third-party rep who gave me the offer, and negotiated with me. They obviously came in low, and I had some discussions with them, sending them similar cars listed (which was difficult for MKIII TDIs as they were pretty limited).
That being said, STRESS the fact that your car is a diesel as they may try and use pricing on 2.0L gas cars to value your car. Remember, the idea of insurance is that if your car is totaled/lost, it is SUPPOSED to get you sufficient money to afford a similar replacement (at least that's the theory). When given an offer, also ask if the price includes tax or not. Like I said, the recovered funds is supposed to give you enough money to replace the car including tax.
Reality is that the offer will likely come in low. After some discussion, I gave them an offer which I would be happy with and got a cheque for that ammount. Wan't anything to write home about, but that was because I got a cheque for the car after buying it as salvage. Turned around and sold the car to a guy at the body shop. Kicker was that the guy got a good deal: the salvage title paperwork got lost somewhere along the way and the car ended up being his with a clean title.
So, remember, be prepared with information, expect a lowball offer, and be prepared to have to negotiate (and some back and forth). That being said, it can sometimes work out. My wife totaled a car a number of years ago. She bought the car used, totaled it two years later, and ended up being offered pretty much what she paid for it initially. (pretty much first offer, too)
