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Old 11-03-2012, 08:23 AM
Elk Elk is offline
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Originally Posted by miamiboyca View Post
Your insurance company usually settles with you, and then they get it from the person who causes the accident.
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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