Shan, just remember not to rush things, especially with your neck and head hurting.
Insurance companies tend to total older vehicles because they are worth less than the projected repair costs. Even some mechanics will recommend against repairing because of the potential labor charges. (One recommended that I total my Trooper because the frame had some rot. I just had to find a good welder and it passed inspection.)
If you plan to get the Rodeo back on the road make sure that it is NOT totalled. Otherwise you will end up with a salvage title and have real difficulty getting it retitled. Just negotiate a settlement and maintain your title.
If the Rodeo is truly totalled and you have space, you might want to negotiate for the salvage as part of the settlement. You will get a bit less in cash but there are probably lots of parts that you can use on Kenny's 95 Rodeo S or sell to other members. Also if the drivetrain is good, you may be able to find a cheap replacment Rodeo with a blown motor or tranny.
Good luck. No driving or negotiating until your head clears.
Edited: Here is the link about the salvage title
http://www.4x4wire.com/forums/showflat. ... art=1&vc=1