I just read about your refinance issues. Do what I said and call your base legal office. To be honest, they may be bored out of their minds. They'll advise you on how you can get your bronco back. Actually, take the dollar amount the bank estimated your bronco to be worth to your insurance company whenever they try to talk about totaling your ride, and ask for that, plus the extra 25% on it. That should shut them up. And if that doesn't work, call your bank and tell them your situation and how the insurance company isn't willing to pay out the real value of the truck they valued at whatever price they gave you. And make sure you keep your legal office in the loop on everything! I'm telling you, talk them those guys. They'll help you out! That is what they are THERE FOR! Seriously, if you don't get in contact with them, you're basically shooting yourself in the foot.