One of the subcontractors working on my work property was speeding on an icy road and sideswiped the entire driver's side of my 96 F150. The damage is on the front fender, the driver's door, the length of the bed and he grabbed the rear step bumper. I also have a alum/steel cap on the truck which is now cracked and twisted. He was driving a Jeep Wrangler. I brought it to our body shop and they gave a quick estimate of $3800-4000, not including the cap and assuming the door frame is does not need straightening. That brings it quite close to the NADA book value. His carrier's adjuster has not come out yet but I assume I will see someone early next week. The truck has only 93k miles and was in quite good shape, both body and mechanical before this accident. If it does get totaled, how does it work for us to buy it back? Also, is the cap considered part of the vehicle or is it considered an accessory? I'd be interested in keeping the truck and putting a flat bed on it.