My sis was rear ended a few weeks ago in her new Honda Accord. Nationwide Ins had her go to one of their approved shops and they valued the damage around $14,000. She got an attorney who had the car moved to an independent
3rd party shop and they valed the damage at close to $18,000. They wound up totaling the car. She still owed $20,000 on the car. They only way she was able to get the difference was the fact she had "gap insurance" (never heard of it) and it paid the difference (or gap) between the damage and the payoff of the car. She still couldn't get any more for a down payment on another car. Even though it wasn't her fault, she was out of the money she had into the car.===============