Leia-
You are so right; the good Lord had his Angels riding with you and Kody--I have no doubt of that, and thanks be to Him AND those guardian Angels!
Your telling brought tears to my eyes; I so understand your relief in realizing that you, and your beloved 'passenger', are OK(and I am SOOO very glad that you both were, my dear young friend!)...living beings are NEVER replaceable, as 'stuff' is.
Yes, do check w/ your insurance company; as others have said, I too believe that at least w/ some policies, the trailer has coverage when it is hitched to your towing vehicle. Seeing the pics, I'd also have at least some hope that the truck is repairable(looks like your front bumper actually may have 'done its job', unless there's damage I can't see 'behind' it)...and even the trailer? Looks like it was all the front 'panels' that are crumpled, and I wonder if they could be 'peeled off' and then replaced(as long as the frame wasn't twisted/deformed)??
That's just my logical mind at work...but I do hope you will end up with the insurance 'working for you' --- that's what we are paying for, right?! And I agree--reinstate your US Rider coverage...I have it, and it gives me great comfort, because it is so WELL-regarded among those who travel with horses--and especially those who sometimes have to travel alone.
I am very relieved that you are home and safe; so sorry you missed the ADT, but heck, they'll hold others, and you and Kody will 'be there with bells on' in future, I know!!
Sending big {{{{ HUGS}}}} to you and warm pats to Mr. Kody!!
Margo