11-03-2012, 08:23 AM
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Officially Welcomed to the 'Fest
Location: ~
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Join Date: Apr 2012
Posts: 569
Mein Auto: ~
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Quote:
Originally Posted by miamiboyca
Your insurance company usually settles with you, and then they get it from the person who causes the accident.
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This.
Taxes, title, etc., included
FMV, period. Not new price. (You did not lose a new car on the lot, you lost a used car.)
Adjuster gets info on the car from VIN, aftermarket additions often not covered but may be - check your policy.
Your carrier asserts a subro claim against at fault driver, his carrier will reimburse, ask them to recover your deductible.
Any decent agent knows all this, as does the adjuster - talk to them, not a forum.
I am sorry to hear of the accident and am very glad everyone is OK.
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