Should I trust my hitch?

Even the rear of trailers frame is directly linked to trucks frame via the ball and the hitch. The truck needs to have its frame checked for square.

I wouldn't trust an inspection. Replace.

Insist on a new reciver...better/best traditional designs run in the +/- $200 buck range

Agree to also have everything checked. Especially the frame, as the receiver bolts directly to the frame and any forces directly transferred to the frame

If insurance doesn't want to replace the receiver...write them a letter noting that and put them on notice that they now own any resultant future issues based on a denied ~$200 buck position...

Ditto the WD Hitch system...albeit a bit more expensive. Add that this system has or may have hardened components that might have micro stress fractures that only something like a magnaflux/X-Ray/etc would show...but why bother with that expense vs new...

Good luck and hope everyone is okay...on that soft tissue injuries too often do NOT display any issues till later...and...are tough to resolve/treat/etc

Trailer, hitch, truck frame......have the whole shebang inspected as part of the Ins. Claim

I would junk it

if you question it include it with the claim and get it replaced