If the at fault party's insurance company is not settling for an amount that you find fair for your Toyota pickup truck you can continue to negotiate with them. Since there is a big gap between the $650 they want to give and the $3500 you want, you will need to prove the vehicle's worth. Where you see a vehicle dependable for driving 900 miles a week, the insurance company probably just sees a truck with high mileage.

To find the actual cash value (ACV) for a vehicle that has been deemed a "total loss" like your vehicle has the insurance company has ways of determining this. You can help negotiate your higher value if you first find out how they determined their amount and then begin to prove yours. Use comparable sales for the same year and model truck in similar condition, including mileage, to prove the value you want for the settlement.

For the rental car, it is usually allowed for a reasonable amount of time while the settlement is being made or the car is being repaired. Your state might have specific laws regarding this that you can find out by getting in touch with your state's insurance regulatory department.

How to Deal with Insurance Adjusters is an article you might find of use at this point in time.