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Can you post pictures of the damage, I can't understand why the adjuster would be wanting to total the truck for a rear bumper and quarter panel, or even replacing the bed and painting it.


Insurance companys automatically total a vehicle when the cost of repairs exceeds 80% the value of the vehicle. If they are offering you $2400 then they assume that the repairs will cost at least $1920. I would take the $2400 total and buy back the truck for the salvage value and get it fixed with the remaining money. If they refuse to let you buy it back then get an estimate for less than $1920 and they should pay it and let you keep the truck.

'04 Taco x-cab 3RZ FE stock (daily driver)
'90 x-cab 22RE stock
'82 Hilux 6" lift (ACES HI)
'82 2-Hiluxs' Rally Edition (parts)
'81 Hilux 3" lift (parts/restore)