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[quote=Anonymous][quote=Anonymous]OP here.

Adding more details ..

We purchased DH's 2011 Hyundai in 2015 for 15k. 
We went through our insurance- State Farm. 
Our deductible is $250.
The estimate for repair for the accident was 8k. They offered us $9,200 which was a bit higher than the blue book value. The options were to take the $9200 or if we decide to repair the car, we'd have to get a salvage title. 
The salvage title will cost 2k so we'd walk away with $7,200 plus we'd have to pay the 8k to repair the car.  We decided to take the $9,200.

We looked for a used car as a replacement. To get a 4-year old car now, which would be a 2013 Hyundai, would cost us about $16k. Basic, cloth seats, no sunroof. Only thing that is a must is a back up camera like in the old car.  If we only spent the $9,200, we'd get a 2009 Sentra, a smaller car with no back up camera, which would be a downgrade from his old car.

It's hard to wrap our heads around getting his car totaled in an accident where he's not at fault. He stopped for pedestrians and it's going to cost us a lot out of pocket. 
What could have put us in a better situation, if anything?

[/quote]

Fascinating thread:

1.  Incoherent summary of 'facts'
2.  Disbelief that insurance does not protect you from any and all possibilities, and that misfortune in life might cost you money
3.  Desire to replace the car not with the same make/model/age, but a better one, because that's what it was like last time
4.  No basic understanding that your car was worth less after driving it 2 - 3 years than when you bought it
5.  Repeating that it happened because you 'stopped for a pedestrian', which you are required by law to do.  Better to have run them down?

Millennial I'm guessing?  Sorry snowflake, life sometimes throws you curves and there is no one to blame or have pay for it.  [/quote]

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