leebee
DIS Veteran
- Joined
- Sep 14, 1999
If someone hits your car and is clearly at fault, can their insurance company declare your car totaled if the damages exceed the value of the car? I can see how if I am at fault in an accident, my insurance company can decide to not repair my car, but can the at-fault person's insurance declare the innocent, other person's car to be totaled? DD was hit by a guy who was trying to pass her on the left while she was turning left. The cops issued the guy two separate violations, there's no question as to fault, but there's enough front end damage to DD's 2005 PTCruiser to make me think that his insurance will declare it totaled. How are we supposed to afford a new (which means old, used, but new to us) car on what the insurance will give her? This really seems unfair, if this is the way it works. Anyone have any experience here and care to chime in?