Reply to Got hit head on while waiting in turn lane, what can I expect?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]OP all of this doesn't really matter since he doesn't have insurance. Are you going to sue him? Sure he was at fault but that doesn't matter unless you are going to sue him directly.

There is no way for any of us to know what your insurance will do with your car. If they total it you will now have a new car payment which will suck because even getting a new car is going to cost you more than what your insurance will pay. Or they will fix your car and you will have to pay your deductible.

Either way you could sue the guy but will get 0 on a totaled car because your insurance has paid you for it or the cost of your deductible that you had to pay to get your car fixed. Courts don't allow you to double dip and have both your insurance and other driver pay you. [/quote]

Why would she have a car payment? She can pay cash outright for an equivalent used car. Insurance takes market value into account. Why does OP need a new car?[/quote]

+1. You don’t have to accept your insurance’s initial offer. Find out what you need to buy the same vehicle with similar miles using KBB, Craigslist, etc. Present your market research and ask them for that.

I was able to buy a better car when they totaled mine out.

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