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Old 10-24-2005, 03:29 AM
adtkart adtkart is offline
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In Ca do you have "uninsured motorist insurance" in your policies? The insurance laws in each state are different. In VA we have it automatically when be get a policy. It covers your vehicle if the other driver is not insured, or cannot be identified. If they are insured, your insurance has no bearing on the damage. As for the car being "totaled", in VA the determining factor of if the vehicle is a total loss is the ACV(Actual cash value) of the vehicle and the amount of damage. Fortunately, with the information available on the "net", people are more easily able to get a more accurate value on older vehicles. The days of the insurance companies just guessing on the value are a thing of the past.

As for the damage to the vehicle, it looks from the photos that the door is damaged past just replacing the skin. It is also likely that the door post/hinge pillar is damaged, and will need to be pulled out.
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