One of my coworker got an Expedition totaled (someone hit him). The insurance paid him much more than retail value (about 3K over base on local average sale add and kbb.) Why you ask? He keep every freaking service receipts and an excel log of the service history.
He said, if he sale that truck, the most he get probably about 3K less than average. Just a piece of paper save him 6K. Well basically, he is a human recorder. He wrote every freaking thing going on in meeting ....If you want to know what going on in the meeting years ago, he is the one to ask.
Oh one more thing. Whatever the insurance pay you, you should add sale tax on top of it. For example sale tax is 7% and they pay you 10K for the truck. You check should be 10K + 7% = 10.7K. Why? Well, if you go out and buy a replacement car at 10K, your total out of pocket will be 10.7K and that is what the insurance should paid you.