Only if the insurance company believes it was your mom driving at the time.
Normally yes. Some companies may require proof that you have repaired the car and it is road-worthy.
The insurance company will usually retain the vehicle. You may be able to purchase it from them, call and ask.
In most cases, you can get it fixed yourself. When the insurance company totals out a car, that is all they themselves are willing to pay. If you want to pay to have it fixed yourself, most won't care, but your rates may still change depending on the circumstances of the accident.
most of the time, if an insurance company "totals" your equipment, it will pay it off or pay you and then sell it to a junk yard for as much as they can get for it. However, you do have the option to buy your bike at the same price the salvage yard would pay.
Answer: Salvage titles come from the insurance companies. Once an insurance company "totals" a vehicle, it becomes "salvaged". Take the ID number to your insurance company and have them run it to see if it is "insurable", best & quickest way and its free.
It all depends on the amount of damage. For example: if it has caught fire it will be less than one that has been hit in the side and can be repaired although the insurance company totals the vehicle. How much of the vehicle can be stripped off and resold? I would need to have more info or pictures to give you a true value.
Totaled means that the cost to repair it is more than what its worth...they will most likely give you something below KBB ...
Usually not.
Yes the dealerships insurance company is most likely to pay for the damages, but you will more than likely be responsible for the excess for it. However if you were breaking the law when this accident happened you may be liable for the whole bill.
Not in Canada.
If it was their fault, their insurance company will cover the damages of your vehicle. I would hope that the person at fault has filed the claim already but you need to make certain. I also hope that a police report was done at the time of the accident.
Yes, you can usually but it back because it is then between you and the insurance company. But keep in mind your insurance company normally pays the ACV (Actual Cash Value) which may not be what you actually owe on the vehicle unless you carry Gap insurance. Gap Insurance is an additional coverage that covers the balance of the loan between the ACV and remaining Balance.