If you let a friend borrow a car who had no insurance and you had no insurance, essentially two violations have been committed. He is responsible, but you are too. It is unlikely that a court would award you with damages.
Its your fault
Nope.
'ticketed' really doesn't matter.........what matters is who is responsible or liable for the loss...........and no they do not have to 'replace' your totaled vehicle they owe you the acv (actual cash value) of your vehicle........
When a car is borrowed (with permission) the insurance of the car owner is primary and the insurance of the driver is secondary. Here, the car owner has no coverage to pay for the damage to his/her own car, so the driver's liability insurance would cover the cost of the car. That is assuming the driver has liability insurance, if the driver doesn't have liability insurance, the car owner is stuck (unless he sues the driver).
If you bought the vehicle from your aunt then you were responsible for getting car insurance...her insurance will most likely not cover anything, and you may even have legal repercussions for driving uninsured.
you will have to pay a debt and GET CAR INSURANCE
Your insurance owes you the value of the vehicle minus your deductible. If you owed the bank more than this, you are responsible for the excess.
used of automobiles; completely demolished; "the insurance adjuster declared the automobile totaled"
A vehicle is totaled if it cost too much to repair it. Usually, insurance companies determine whether or not a vehicle is totaled.
It would depend on why the car was totaled and who's fault the accident was and what time of insurance do you have PLPD or Full Coverage
An insurance company declares a vehicle totaled when the cost to fix the vehicle exceeds 70% or more of its market value.
Some insurance companies will sell the car back to the owner. Others sell the totaled car to a salvage yard.