对方保险公司的传真，请各位给看看，不知道这是什么

今天接到对方保险公司的传真，请各位给看看是个什么，对方说我侄女的车是93% loss，这个传真是对方保险公司Total Loss Department 传真过来的。对方保险公司说如果我侄女keep这部车，因为50%：50%，就是这个数。我们不明白几点：

1) 这是说对方要给我们一张$2547.73的支票吗？还是最高给付额。
2) 里面没说任何租车费用，和汽车修理的事，好像是在talking about 我侄女的车现在值多少钱，可是我们不是在买卖车辆啊。
3) 还有对方保险公司怎么决定的actual cash value 是$5897.00
4) 有什么附带条件吗，比如我们必须agree 双方都有责任，我们应负担50%。或者说这只是对方保险公司的decision，与我们agree与否无关。
5) 如果不agree, 是否仍然可以拿到这么多钱，然后到small claim court 去sue 对方司机。


Registered owner: Year:
Claim Number: Make/Model:
Settlement Amount:$$ Vin:
Date of Loss: Mileage:

Enclosed you will find the evaluation report concerning the actual cash value of your vehicle. As per California insurance code regulations the following information explaining the claim settlement and your vehicle’s value is being provided.

These figures are for owner retained salvage
The actual cash value has been determined by:
CCC analysis valuation report#:43031495

Actual cash value: 5897.00
Sales tax: 9.75% 574.96
DMV transfer fees 15.00
Salvage certificate (if applicable 17.00
Less salvage (if applicable): 455.28
Less sales tax 9.75% 44.39
Gross settlement 6004.29
Other deductions: 3002.15
Net total loss settlement to vehicle owner: 3002.15

The company will discontinue to paying for your rental car on: na