I went through close to the deal, when I blew the motor this past spring, my Insurance wanted to total my TJ, well they started at the $$ amount of a stock 2001 TJ, LOL ,well not happy about it, I gave every receipt on upgrades I had. Go get a est. from a shop that you trust to do the work , EVEN if you plan to do the work yourself. You need to have a est. and paperwork and repair $$ amounts to battle out what they will pay for, and how much they will pay for those repairs, and what they wont pay for. They have there $$ amount from there source and I had my $$ amounts from my source, then we battle out what they will repair for how much, take your time and go over everything, twice, because when they settle any extras you find will be hard to add to the repair. Take some of the Jeep apart to see any hidden damage and take pics and send to them or let them come see it for there selves. You have to pass a % of total value if you want it totaled, but remember the higher the value and total amount, the higher the buy back amount will be, Been there done that my 1972 Blazer back in the 1980s.