I need advice on my totalled yet still beautiful baby.

Dodge guy- man, I am so thankful to all of you. I l have learned so much. You know, I would have never thought that something like a "pin box" could do this. But you can make sure that I will talk to the ins co. Now, it makes perfect sense! Why the failures we're rather sudden after being in storage....duh. The big hunka metal used to pull it may be coming apart...therefor causing the separation, thats why the damage was smallish. Then the Einstein's said to just "leave it there, don't worry about it, we'll take care of it." And THEN the water damage......OMGosh. Yes you have all just seen the lightbulb go off!!!!!!!!
And yes, I do have a documented brain injury so don't go there.