Something's not adding up here, and you're being very deliberately elusive about it.

You say you got rear ended, and the other vehicle went under your truck and struck the wheel. And that the insurance company wants to total the truck.

That's what doesn't add up. Like many others, btdt with that exact scenario, with that very same truck.

So what is the rest of the story that you're so carefully not describing?

You've also been very elusive on why you are so determined to go along with the insurance company on totaling your truck when in fact you don't have to.