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You must prove that you have a reasonable loss. Typically an insurance company would get you a rental car, or you could take a taxi, so lost wages would not be reasonable. (taxi fares & ins deductibles would be reasonable) Since you have no personal injury, your options are few.

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Q: If your new car was parked and rear ended and considered a total loss and your insurance company is covering the cost of the car what are your rights in small claims court besides lost wages?
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