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If my new car was totaled in an accident, how do I recoup losses against the driver that hit me?

Question Details: In particular, how do I recoup the loss of what I paid for my car vs. what my insurer gave me vs. what it costs to replace the car? I purchased a new car almost 2 years ago. I paid a down payment of $7,000 and made $4,500 in car payments on my $13,500 loan. My insurer paid off the lender ($9,000) and I gave me a check for $6,000. Can I recoup any of the loss because I’m worse off than when I originally purchased the purchased the car after paying $11,500 towards it? Also, the insurers’ assessed car value is well below the replacement cost for a similar car.

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