Totaled my brand new truck before I even made the first payment. Insurance won't cover what I paid.

Ugh, this is almost exactly what happened to my sister. Brand new car, someone else's fault, and suddenly she's the one trying to prove what her own vehicle was worth. The 'we're reviewing it' loop is real — they just wait you out hoping you'll give up. She didn't, and it eventually moved, but it took way longer than it should have.

That silence from your adjuster is a tactic. They know you're frustrated and they're banking on you eventually just accepting whatever they offer to make it stop. Document every single contact attempt — dates, times, who you spoke to, what was said. If you ever escalate or involve a lawyer, that paper trail matters a lot.

I used to work in claims and I'll be honest — total loss valuations are not as objective as they pretend. The software they use pulls comps, but adjusters have discretion on what gets included. Dealer-installed options and protection packages are frequently underweighted or just... ignored. If you have itemized documentation for every add-on, keep pushing on those specifically. Ask them in writing to explain exactly how each line item was factored in. That tends to get more traction than just disputing the bottom-line number.

A few things worth knowing: most states allow you to request an independent appraisal if you dispute a total-loss value, and some policies actually require a formal appraisal process before either side can dig in. Check the at-fault driver's policy language if you can get it, and look up your state's department of insurance — you can file a bad faith or unfair claims handling complaint there, which sometimes moves things faster than any amount of phone calls to the adjuster.

Not legal advice, but a personal injury or property damage attorney can often get an insurer to reconsider a lowball total-loss offer pretty quickly — especially when you have documentation this clean. Many will do a free consult. The gap between what you paid and what they're offering, combined with the paper trail you already have, is exactly the kind of thing worth running by someone who does this professionally. The fact that you owned the vehicle for hours and have a timestamped purchase contract is actually a really strong position.

Stop waiting for them to call back. Send a formal written demand letter via certified mail laying out the full amount you're owed and a deadline to respond. It changes the tone of the whole thing. Adjuster ignoring your voicemails is easy. Ignoring a written demand on record is a different story.

Also — please don't blow past the 'shaken up' part. Adrenaline after an impact like that can mask symptoms for days. If anything feels off physically — headaches, neck stiffness, sleep issues — get checked out and document it. I've seen people dismiss symptoms after a crash and regret it weeks later when things got worse.

This is so unfair and I'm genuinely sorry you're dealing with it. You did everything right and you're the one suffering for it. I hope you get every dollar you're owed.