my 72 GMC was totaled. Not sure what to do.

[jorgensensc]

I just wrote a long respond and lost it when I went to post, so this will be a bit more abbreviated.
First, whose insurance? Yours or the person that rear ended you?
Second, can you get a comparable truck in your area for the money they are offering you?
Are they using auction prices to determine value? You are not able to go to auctions and must pay retail/ private party pricing.
Third, they figured the cost to repair and repaint the truck (2800) and the salvage cost of the truck (1000) is worth more than they deem the truck is worth, so they total it. Remember they are considering shop prices and parts markup.
Fourth, can you fix it to equal or better than it was before for 2800?
Fifth, if not, is it worth it to drive it like it is and take the money and pay other bills?
Sixth, if not do you take the money and truck, and part it for more than what they seem salvage to be (1000). Then you have more than what they are offering you?
Seventh, if you keep the truck and take the salvage deduction, do not let them mark it salvage. If you decide to keep it and fix it you may have a hard time getting insurance on a salvage vehicle, and resale is less on a salvage vehicle.
Eighth, most of what you have receipts for are maintenance items. The value of the vehicle ( for insurance purposes) does not go up because quality maintenance parts were used, or even that maintenance was performed.
Ninth, I would seriously go back and renegotiate the pricing. Their were trucks at that lambreicht auto auction that didn't run and were in much worse condition that yours that sold for more than 3800.
Remember insurance is a business, for profit. They don't want to pay you what it's worth if they can help it. Your going to have to do some research yourself. Slow down and don't be in a hurry. They want you to make a quick and rash decision. It's very possible your insurance will go up after this, so don't make it easy on them before they try and screw you. Just my .02. Hope it helps! Good luck and let us know what happens.
Shawn