cry
If a car is parked (so it wasnt moving, standing still), the other car is in fault.
Once a car is totaled it is gone. Usually the insurance company takes the car for them to sell and get some extra money and if it is claimed as a totaled vehicle I would not recommend driving it on the street where you can hurt yourself or someone else.
No, simply because there is nothing to be insured any more, your car is gone.
The person who hit the car, if "at fault" would be responsible. If the person driving your car was the one at fault, then it would be your insurance that would have to cover it.
Total loss payoff
If the only insurance you have is on the totaled car, you will not be required to carry a policy on it anymore. However, it is never good to have lapses in the dates you are insured. I suggest having them to lower your insurance to the most basic your state allows and carry that until you get another car.
yes it is called a salvaged title
Determination is made by the insurance adjustor based on the age make and model of the car , it's Blue Book value, and the condition it was in when you had it insured re: body damage.
As long as you have the title that he signed off of it and you signed on and you have insurance on the vehicle it will be covered.
Not if you notify you local PVA that the car is totaled and not longer in service. You will pay taxes up to the day it was totaled.
There's a good chance the insurance company will deny the claim of the person with the uninsured vehicle, as that vehicle isn't supposed to be on the roadway to begin with.
Your question is unclear. Did the insurance company declaire the car that was insured was a total loss. After that they would pay you for the entire value of the vehicle and keep the car since they paid you for it. The insurance company can then sell the damaged vehicle at an auction and make up for some of the loss or they can let the insured keep it and deduct the value from the claim settlement. I am an insurance agent but not a claims adjuster. Your questions is indeed unclear but I am assuming your car got totaled and they paid you less, as though it was a totaled vehicle to start with. They might know something you don't. If you purchased the car in the last 18 months from a dealer or person who gave you a clean title, the car may have in fact already been totaled but they decided to not file a claim and instead fixed it themselves at a cheaper cost and passed the car (and clean title) on to you. Meanwhile, the insurance company might have totaled the car and reported it as such. Or, the car was totaled in another state, moved to your state (a process called titled washing) and got a clean title for the short term, long enough to resell the car with a "clean title" even though it was totaled. When you renew your registration the title will come up salvage. Did you run a Carfax on this car prior to purchase?