Insurance company is going to take your vehicle to the auction. You may take the money from insurance company and then buy your vehicle back at auction. You may use an auction broker such as
www.easyexport.us so there wouldn't be any connection to you. They will make you auction account using their dealer licence and you will be able to buy your 4runner. You may watch live sale at their website to see how much these vehicles used to go for to understand if this worth it. You do not even need to register or pay anything before you may watch virtual sale.
www.easyexport.us