insurance trying to screw meeeeeee

In many states the insurance company need only pay up to the current fair retail value, often middle or low blue book depending on mileage and condition. Also: the truck that hit you, was it a commercial truck and did the company have insurance, or was it a private contractor with some strange co-insurance. Was there a third party involved (car running light, dog on road) which might create a shared liability in your state. You may need an attorney, or at least an insurance expert for your state. Good Luck