Generally make and appointment with your insurance to retrieve personal property inside the car. Generaly most insurance will NOT ALLOW you to remove parts unless you want to buy them back at a price they set. The crash will be reported to CLU and everybody in the industry with access will know.
If there is not a metallic aka steel insert in the wheel those are laughed at by a pro because all the need do is use a hacksaw to cut the plastic wheel.
Prices will continue to rise. They may level off a bit but they will NEVER go back down. I have never seen that happen in my 6+ decades of time on this rock.
At every Ford Dealer near me that had placed at least a 2K Market Price Adjustment on every car and truck on the lot. Screw them and everybody that is trying to pinch every customer. F-150's are 3K-5K. Mustangs are at least 5K. The price is NOT negotiable. Pay the ripoff rate or hit the road.
There is a dealer that owns 3 lots in my area. He has marked an ADM on EVERY VEHICLE on hi s lots. It does not matter which model it is it has an ADM slapped on it. That is not supply and demand that is thievery. Many models that are marked up are very slow movers under normal conditions.
Many dealers in my area have ADM's of 3K to 5K on run of the mill ordinary, nothing special F-150's. Another has ADM's on every vehicle on the lot no matter what vehicle it is.