that looks like mostly superficial 'body' damage, nothing to do with any electrical... with the price of these trucks, it's unlikely body damage is going to come close to 'totalling' it... your physical damage deductible will come out of your pocket, but insurance should make you whole on the rest of the repairs... plus, now a days, insurers must also pay a 'depreciation' amount that is calculated to repay you for 'loss of depreciated value' after a vehicle has been repaired from an accident.
Ford is smart in how they've designed this truck, like other evs, they don't put 'critical' high-voltage electrical items, devices, and wiring near the 'exterior' of the truck - it's all contained as much as possible in the 'interior' structure, especially between the frame rails.