How things can change:

[bjack]

Cupcake: Too bad for the car but be glad you survived! The car can be replaced. For future reference, when you get another car buy something called Gap insurance. This is usually offered by the financial institution who loans the money to buy the car. It’s very inexpensive and can be rolled into the total cost of the loan. This comes in handy if you are at fault and you owe more on the car than the estimated book value. The Gap insurance will pay off the difference that your other auto insurance will not, thus leaving you no out of pocket expenses. I have a teen-age son who totaled two cars, both was his fault and both times we used the Gap insurance....best car insurance I ever bought! Of course in your case not to worry because it was the other guys fault, his insurance will cover all cost to pay-off/replace your car. Look at this as an opportunity to shop around for the perfect replacement!!