Reply to DH stopped for a pedestrian and got rear-ended

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[quote=Anonymous][quote=Anonymous]OP here. 
Thank you for the input and especially to those who took the time to post calculations. 
The variety of responses are really helping us process this event- way more thought-provoking than the responses I've gotten from actual people :)

Other things I'm responding to from various posts:

1) This is the first time I've posted about this.

2) No, I am not a millennial. It's not that we are feeling "entitled," it's more about re-thinking what would have or could have put us in a better situation. Just as some posters said- our insurance must not be great.  But we already checked on that. Insurance coverage is as good as it could have been. You never really know exactly how insurance is going to work until something happens. I've had zero accidents so this is the first time I'm dealing with this.
 
3) The other motorist was insured but State Farm told us that it didn't matter if we went through ours or theirs. Our premiums aren't affected. State Farm will be the one go after the other person's insurance.  We went through ours because we've been with State Farm for more than 25 years and they have been good to deal with with other matters.

4) [b]You cannot possibly expect to get a new, or even used car, valued higher to replace the one you had. [/b]  Yes, I know.[b] It's not the first time we've lost money from an insurance claim. New flooring from a water leak costed us money too.  We've lost money from travel insurance too. The bottom line is it sucks to be out of pocket. [/b]I'm very thankful that the pedestrians weren't hurt and DH wasn't hurt. Total inconvenience, yes.  The other driver did admit that he plainly just zoned out.

5) Thanks for the suggestion on the 2016 models. I think we will look into that. As much as we didn't want another car payment,  we'll put our out of pocket into a newer car.  The old, paid off car was a 2011 with 50k miles on it. We have not been able to find one just like that. We have 2 weeks left on our rental car so we need to find something fairly quickly. 
[/quote]

Your heavy use of insurance claims will end up costing you in higher premiums.  Insurance company track the frequent flyers and price their rate accordingly.  And you cannot just jump companies to reset - they share data in something called CLUE, which tracks both your homeowner and auto insurance claims over the last 7 years.  [/quote]

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