I just went through this last fall. My insurance company (AAA) paid me for the totaled Jeep. Don't accept their first offer either. Piss and moan about aftermarket equipment yada, yada, yada. I was very pleased with the payout, I would have been able to buy a Jeep that was at least as good or better than what I had, but I decided to buy a brand new one instead.
What is your tipping point?