Don't feel lucky "IF" you can get the value of the car Paul. Insurance
companies are regulated. They don't just make up these things as they go,
and decide upon payouts based on whether they think they can screw you or
not. I cannot encourage you strongly enough to talk to your insurance
company. Talk to your agent. Talk to the adjuster. They will explain to
you how CA regulates insurance, and what you can expect. That's going to be
better, more accurate, and more relevant than most of the opinions,
anecdotal experiences, etc. that folks here can generally offer. You are
adding fuel to your own angst fire by not doing this.
This may not apply in CA ( I am in Ohio) but our Allstate policy will
replace the vehicle with a new one on the same make and model (or
comparable) in the first 36 months of the car's age.
You may try doing like I did one time, tell them to find you one in the same
condition, same mileage or less. If they find it have them buy it for you,
or give you that much money. That is the only fair way as that is what that
car is worth, the insurance companies don't like to do this but putting it
in those terms doesn't give them much choice.
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