I'm sorry for your husbands wreck and happy no one was injured. If they do total it, negotiate the value of the truck then tell them you want to keep the truck as well. That happened to my 63 Chevy pickup years ago. It was a show truck, metal flake paint, custom wheels, built 327 etc. The insurance tried to just pay me for a 1963 pickup. Luckily, I kept all the receipts from everything I did to it. They went ahead and paid me what my truck was worth and still let me keep the truck.