Hi, Pm me tomorrow. I'll try to help. Mike
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best advise in a nutshell:
I would go with NADA classic car guide value and just looking at yours, go with average retail value. They don't care about your add ons, lift kits, 5 speed or whatever else.
so true....wife wrecked a 4 runner years ago, just put new tires on it, less than 1,000 miles. claims guy said nothing extra because of new tires. I asked him, so as long as it has tires that hold air we were good? he stated yes. Good friend at a tire shop swapped on 4 bald tires in place of the new ones. sold them separately.
thinking same could be done for 5 speed, etc.
Make it a ute. Bob the back off and get a tray made out of aluminum.
Also I hope you can get paid out for the repairs.
That thing is way more damaged than just a new tailgate and bumper. The sides buckling out like that mean the rear frame is jacked. IMHO, it will never be the same. Get as much money as you can. The insurance company will try and screw you big time. Stand up to them and demand replacement cost. Then buy it back.