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What is the maximum coverage on my car hit by another driver

My car was damaged by another insured motorist.

Their adjuster claimed only $2000 in repairs based on exterior damage. The actual damage is much more. To what extent are they responsible for repairing my car to the condition it was in prior to the accident even if the blue book value is less than the amount of the repair costs?



They have not duty to repair your vehicle if the repair cost will be more than actual cash value of your vehicle (which is not determined by blue book values).

Actual cash value is the price of a the same vehicle in similar condition (pre accident) in your local market.

If you are in this situation, your vehicle will be deemed a total loss. Please see please see:

Good Luck,
Auto Insurance Claim Advice

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