On the face of it, this might seem like a grave injustice committed by the insurance company; however, sadly, looking at the current Cybertruck secondary market, $77,000 is about the fair market value for a similarly spec’d Cybertruck.

I don't see what the problem is then? Like you take the 77k, buy an identical used truck and are back at where you were before the accident which is the whole point of insurance...