NEED HELP INSURANCE PROBLEM

Talk to your lender, you may have the option of doing what is known as a "Substitution of Collateral". What that means is you use the proceeds from the insurance settlement to purchase an acceptable replacement for your rig and the loan continues as before. This is often done when someone is upside down on their loan. The bank realizes the customer will often be more likely to pay if they have something tangible that they are paying for. You should be able to get a rig very similar to the unit that was destroyed for the proceed amounts. If you cannot, that is a negotiating chip you can use with the insurance company, the fact that a replacement vehicle is more money than they are offering in the settlement. Good Luck