Hate to say it, but it is totaled my friend. At least 3500-4k for a shop to fix that, commercially.

Fight, and fight hard. Get a 3rd party involved if necessary. Rule of thumb: Don't ever let someone who owes you money determine how much money they owe you.

For those referring to stated value plans, I would avoid that. What is more beneficial (and simultenaously more expensive..) is an AGREED upon value plan.

A prerequisite to the agreed value plan is an appraisal of your truck, by an expert appraiser. These appraisers take everything into consideration-- age, condition, modifications, mileage, comparable examples, etc.

My 2000 with 245k (at the time) appraised at $15,300, and if I totaled it today, I'd get that. Reciepts, reciepts, reciepts. Keep them all- for every mod. It helped the appraisal along on mine.

Best of luck OP! Truck is extremely fixable regardless of what kind of Title it ends up with.

Lawyer up my friend. Do NOT let your insurance handle this. They will total your truck, lowball you on the value. I can put you in touch with a guy out of Washington that handles these types of losses. He has been able to get as much as 25k for a clean Supercharged 3rd gen. Chances are he can help you.

Heacock does agreed value with no mileage limitations. I don't know anything about them yet, but headed in that direction.