Absolutely! Regardless of fault, if you carry sufficient coverage (collision/comprehensive) you are entitled to have your vehicle either repaired to a "safe" standard, or a write-off payment received. The difficult part of proving such is in the time limits. DO NOT wait too long to seek a claim for a total loss. There is always the burden of proof in this case, where you may have damaged your vehicle "after" the fact, and after such repairs were made. Note any obvious damage, (eg. Doors not opening properly, engine problems) and have a certified body shop/mechanic inspect the vehicle RIGHT after the initial repairs are made. Generally an insurer will have an appraiser re-evaluate the damages to see if indeed, they were caused by the accident.
You could to see if they know anything.
if there is insurance it should pay for the loss
The fair market value for your car at the time before you got into the accident. It may not be enough to replace your car, if you have GAP insurance through your bank, then it should cover the cost of replacing the vehicle.
Your insurance may go up it may not, also sue for allot of money!!!
Nothing. Your insurance company is the agency which would deal with that.
This depends on what the settlement covers I have required the insurance company to allow me to retain ownership, this reduces the settlement. Or the if you do not specify that this is what you want the insurance company gets the car.
If you were insured at the time of the accident, your insurance should pay up to the amount stated on your policy. It does not matter if you still have the insurance now. It is important that you had it on the daye of the accident.
If the other party is refusing to call their insurance company - then you should call their insurance company and file the claim.
never, even in the case the accident falls under a certain limit you should report the accident to allow your insurance company to protect you and itself.
It is up to the driver to subit the auto accident claim. You should submit the claim as soon as possible after the accident.
You should contact your insurance company and let them know. Your insurance company should take care of the rest.
You should check with your insurance company. If you still have a policy open for the car the premium is still due. But I'm not sure why you'd have a policy if the insurance company said the car was totalled