Totaling my car? 2001 Pontiac Aztek just with cosmetic damages!?

I was recently involved in a collision that involved my 2001 Pontiac Aztek. I was side-swiped on the penger side, back to front. The damages weren't extensive, lots of burns on the skirting and a few scratches here and there. The most damage is located on my door and the side panel(?), which has no dents but a large gash that prevents me from opening the door. The other driver was deemed liable and I would be working with USAA to get my car repaired. Though I have no spoken directly with my claims adjuster from USAA, I spoke with their appraiser and he stated the Aztek was considered a total financial loss. I do not feel the damage was significant enough to total my car. How much is the fair market value of a 2001 Pontiac Aztek, over 100,000 miles and great condition? New tires and considered a GT with FWD, leather seats, heated pengers and drivers seats, 6 disc CD player/radio, rear audio controls, sunroof, roof racks, alloy wheels, cruise control, etc. Should I be weary of the insurance deeming it a total loss?