Hoping for possible scenarios…I have a 2009 FJ CRUISER. I was hit last week and I have front end damage. The adjuster will look at it this week hopefully and hoping the Insurance won’t total it. Interested in hearing from anyone who has or had experience and what I can do to have the insurance fix it, or if you think it is a loss…I love this truck, and hoping for the best…I have full coverage and live in NJ. I have NJM insurance. Just want to be prepared for what they will do…..thanks in advance..