First off, if his insurance is covering the replacement of the 4 runner, Birchy is not entitled to a lawsuit causes he is technically not at loss, that is up to the insurance company. In the AMA "black book" they say add 10% to the value of the vehicle in Alberta.
Sucks balls, for sure hope your insurance company just pays out for cost for you to purchase, i even have heard of them find you a vehicle so you don't have to shop around they do, quite like Jim peplinski does.