Will the insurance company buy my wrecked car?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Dec 12, 2015

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Insurance Question from Congaree, SC

Asked on 12/12/2015

Will the insurance company buy my wrecked car? I was in a accident where a person had a suspended driver license and it was his fault. He received a ticket for the accident and admitted fault. He hit my truck and caused $15,000 worth of damage to my truck. I recently purchased the truck new and only had it 3 weeks and it has less than 1K miles. I fill its unfair that he hit my truck that I just recently purchased for $49K and have to have $17000 dollars in repairs because he was texting and driving. Will his insurance company buy my truck?

Answer given on December 14, 2015

If you were in an auto accident that was not your fault, the insurance company for the other driver will pay to repair your vehicle. If your vehicle is worth well over the amount of damages to the vehicle, the other insurance company will not be willing to pay for the total value of the car. They will only pay the amount necessary to repair it. The cause of the accident by the other driver, texting, really has no effect upon what his insurance company will pay. It is frustrating, since your vehicle is brand new, but that is how auto insurance works. If the vehicle is not considered a total loss, then the cost of repairs is all that is required of the insurance company paying for the repairs.You should make sure that whatever garage does the repairs and/or estimates, that they include all costs for repairs and not try to “cut corners”. That way you can be sure your vehicle is fully repaired.

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