I had my car parked in queens and when i came back the car was hit in front all of the inside was moved the baterry the antifreeze was on the road the lights were not there and i file a report of a hit a run since i was not in the car at that time anyways i want to know if the shop cant fix the car what the insurance wuold do? are they paying me to buy a new car what do i loose? what about the options do i have any? please help! i was lucky i was not in the car at the time but you know NY no one gives a Fu&*& about the other cars so i dont have any witness.

 

a body shop will be able to fix it. dont worry. the insurance company will pay for the repairs. not for a new car.

this happened to my car back in april. $11,835 dollars of damage. insurance covered it and now its as good as new:

 

MAN MY damage was almost like yours but mine was just a little bit more did you have to pay a deductible?

 

no i didnt have to pay a deductible but that all depends on your insurance. if you do have to pay one it will only be a small fraction compared to the actual cost of the repairs.

 

Yeah the insurance will repair your car. Most insurance companies won't consider it a total lost unless the cost of repair exceeds 80% of the car's value (some go as low as 51%). With you having a 2k2 your car is worth around $25,000 more or less, meaning that you damage would have to have almost $20,000 in damage before it would be totaled and if your company uses 51% then $12,750.