Well, we are toadless for the time being. Last week on my way to work a lady ran a stop light and we collided. My new 2014 Ford focus that I had since December was totaled. Going through the pains of ...
Her insurance is obligated to "make you whole". I would demand they pay for an identical new car. There is no reason you should take any loss.
Don't forget you are also entitled to time lost from work, damage to your clothing, personal effects, and pain/suffering. In your case the pain and suffering will be very small.
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