Accident today that I assume will total my truck. Basic model '09 half ton with 150k miles. Other driver at fault. My company is USAA. Other drivers is Statefarm. What do I need to watch out for in the coming days? Will they try to screw me on value? Is value negotiable? Left thumb is swollen, stiff, and hurts pretty bad. Might go have it x-rayed in the morning and I made sure the cop recorded it in the report. Not interested in trying to screw them for neck/back type money but should I try to use the thumb injury as leverage on the vehicle value? Any other advice?