Reply to Awkward "co-worker" situation

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]So his car that was totaled in the wreck was a 2013, and he replaced it with a much newer car?  If so, it's not surprising that the insurance money came up short of what he needed to buy it.

When a car is totaled, insurance pays the person for what they determine the car to be worth.  Sometimes you can argue that they've underestimated the value and try to get more, but at the end of the day you'll only get enough money to replace it with the exact same thing.  If you take that money, you can buy a direct replacement, or you can add some additional money of your own and upgrade. But insurance doesn't owe anyone a replacement car that is better (more valuable) than the one that was totaled. So this may not have been an issue of your insurance screwing him over, he may have chosen to upgrade his car using the insurance money for part of the cost. [/quote]

California
The value was 11k. My insurance only gave him 5k. He did not have any coverage for his own vehicle, just liability. I was at fault, but had only the state minimum, I will have a higher liability from now on (like 20k)[/quote]

The state minimum is $5k for liability where you live OP?

FYI, $20k won’t get you very far in a lot of accidents either if you total a newer/nicer car and that person  (or their insurer) WILL probably sue you.[/quote][/quote]

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