I would make sure that you discuss diminished value compensation since the insurance company is opting to fix it. Some states have laws that put the claim/payout for such when you go to sell the vehicle, however, most insurance companies are happy to make the payment as part of the initial damage claim, granted you sign the paperwork that states you will not come back at a later date and ask for more. Paying out now is in their best interest, as when you go to sell the vehicle as it gets to 4-5 years old the value hit to your vehicle will be a much higher % or dollar amount. There isn't a starting place to negotiate necessarily. your insurance company will run a model based on the damage to be repaired and research comps with similar damage, then averaging the deltas between repaired trucks and pristine examples. then they will give you a number. I had a truck rear-ended by a drunk that was doing 60 mph ( i was stopped at a stoplight). I hadn't even made a payment yet. Geico worked on my behalf and the drunk's insurance company wrote me a check for $5700 for diminished value on top of paying for the repairs, etc. It did work out in my favor, as The accident showed as minor on the carfax when I traded it in.