Did you talk to the insurance adjuster to increase their payout?
What they first offer you is just that, an offer. You can absolutely come back and say fuck off the car is worth more you just need to be able to provide proof.
They try and pay as little as possible. Never take their first offer.
My car was totaled recently. Fucking loved that car. They first offered me 19k for it. I found similar cars for sale for 24k. Same year. Same trim, close miles. They argued that what I see is the listing price not what they actually sold for.
I told them to fuck off 19k will not buy me a replacement and if they can find me a similar car that a dealer will actually sell for 19k locally I will take the 19k. Took them a week to come back to me and they offered me 22k. I told them I just put new tires on the car and gave receipts from a month ago. They upped it to 23k. +Tax and title.
Point is, it's a nagitiation. They will try and screw you if they can. Don't let them
Also. They owe you for taxes. That's IN ADDITION to the value of the car. So if they say the car is 20k according to them. Make sure you are getting roughly 21.5k from them.
The problem with this simple life is that it's notthat simple.
The first time they need to repair something or someone has a medical problem reality hits. The little trailer home falls apart more and more every month but they can't afford the repairs. Food keeps getting more and more expensive. Medical conditions become chronic problems and soon every day is difficult. If they didn't have a drug problem before they do now. Just to cope with the hardship of being chronicle Ill. Theft and crime are common around you. What little you have is always vulnerable to being taken from you. Life is stressful and difficult. This kind of life is an endless downward slide, and the only way to get out is to claw your way out.
The only way this life is truly simple is if you have money and a lot of it. You can live a simple unemployed life as a trust fund baby. Or if your spouse has a good job and you just stay home and chill.