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Reply to "car totalled by someone who was texting while driving"
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[quote=Anonymous]Totaled vehicles are valued on current market value (Blue Book, NADA) etc. Based on make, model, year, mileage and options. You don't get paid for a replacement. Also if you sue you're still dealing with the other person's insurance. Unless you're injured you only get paid for the market value of you car and some time in a rental vehicle. No emotional distress, no lost time, etc. And if you're upside down on your car you still only get markey value not the amount to pay off your loan. These are some surprises to people in an accident.[/quote]
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