Tampaukfan
Full Access Member
Based on the level of damage and if you can afford to take the hit, Id trade it in.
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I'm confused.....this would be a terrible day if you didn't have insurance, but I'm guessing you do. So why are you so distraught? If the frame had been bent or the motor damaged, it could be a resale issue. Your damage is a bunch of replacement parts and paint. If I were buying your truck, and I'm very finicky, the damage, if corrected properly, would be no big deal.
Negative equity is a lesson many learn the hard way and pay for later on. I don't get how you can no longer love the truck, once it's repaired, it's the same truck. Get it fixed and when you can, increase or double your payments each month until you get out of the negative equity issue. In the mean time enjoy the truck.