Re the insurance claim, don't just settle for the truck. Personal injury, mental duress, you name it. And don't accept the insurance company estimate of value - they'll try to give you low wholesale. Point out that you don't buy at wholesale, add up all your repairs and improvements, and insist on an outside appraisal if they don't give in. They don't have a leg to stand on in this one...

Glad everybody's ok, at least physically.

Not responsible for advice not taken...