To get the settlement you want you will need to work with the claims department of the truck or snow plow's insurance company. If they do not deem your car a total loss then most likely the insurance company will want to pay to repair the vehicle. If the car is found to be a total loss (basically it will cost more to repair than the car is worth) then you will get likely get the actual cash value. You then could pay off your loan and look for a new vehicle to purchase.

Speak with the claims department about what outcome you want and then negotiate with them depending on their response. Understanding the Function of an Insurance Adjustor will help you in your negotiations with the claims department.