[Eyegore]

Dave is right, when I purchased my sons truck I had a certified appraisel stating how much it was worth. And because the appraisel was higher than the "book" value I had to purchase GAP insurance, insurance to make up for whatever remained on the loan if the truck was stolen or totaled, even if it was not his fault. If I were you I would look up an appraiser in the phone book and call them for a certified appraisel. I believe you have enough pictures to establish that your truck was in good shape to get a fair amount. And the person that hit you, you could take them to court for damages that (their) insurance company refused to pay, that will get their attention real quick - nobody wants to be sued!!!!
Hope it works out.

Tom