They are only responsible for "replacment value". It's up to the owner to find a vehicle that can replaced the wrecked one. Insurance companies take into consideration the fact that the wrecked vehicle has been used and depreciated. They usually take into consideration the fact that you will have to spend time looking for a replacment and you will need temporary transportation, but if the owner is too demanding or pushy the adjuster may decide to not offer full value. Sometimes it's to your advantage to go to a lawyer although lawyers want to be paid to and it may cost more than it's worth. In the event of conflict, most insurance companies agree to "arbitration" by an independant, 3rd party. That might be your best bet.
She should get half the insurance settlement, assuming he got a settlement. The insurance company cannot give just him a check since he's not the only name on the title - she had to sign the title over, too! Now, assuming he only had liability insurance on the truck and he was responsible for the accident...oh well! Time for Judge Judy!
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