If the accident was not your fault it is the other drivers insurance company you are going round with correct? Always hold out when the liability issue is on your side. I presume your truck is totaled? (hope your ok) Anyway in many instances I have customers with major damage to a vehicle that the insurance company wants to fix instead of replace. I have written many letters to insurance companies explaining the vehicles now diminished value due to extensive damage, paintwork, etc. almost always been able to get something significant from insurance company for this. But it helps alot when the liability is on the other side, because then you were not the cause of the diminished value situation.