I hate to be the bearer of bad news but Your '98 in excellent condition which only 3% of cars are in "Excellent" Standards by KBB only Blue books for $2374, Therefor your car can be a total loss at even $2000 if the damage is in the right spot.
So If I were you I would be calling that adjuster back.
Just got a check for $2900 for a dent in my rear quarter panel and the car wasn't totaled. That was on a 99 with 200k miles. Insurance company said the car was valued at around $3800. Three body shops in the area all said the car was valued around $3500 in their software. Experience > Internet.
My 97 was totalled with a dent in the quarter as well. Estimate from the shop topped 4500. I got a check for 5300. It had just under 200k. No rust, no noticeable mods. I didn't even have to provide any comps.