The insurance company will determine the acv (actual cash value) of your vehicle in pre loss condition. They will tell you this amount and if you disagree you will need to explain why, they likewise will need to explain how they arrived at this amount. Once that is done, you will need to decide if you want to retain the salvage or allow the insurance company to obtain the salvage. If you decided to keep it, it will become a salvage or branded title (making it worth less generally), and they will deduct the 'salvage amount' from your settlement. The company will then pay you, or you and your lien holder, less any deductible. They will also owe you (dependent upon the state laws), some sort of sales tax rebate, actual dollar amount, or an sales tax credit, as well as title or licensing fees. If you have a particular question please ask and I'll see if I can be of more assistance to you.
you will have to pay a debt and GET CAR INSURANCE
Yes, they will help, but they won't buy you a new car. Once your car is deemed totaled, the insurance company will usually pay you the value of the car before the accident minus your deductible. You can either buy back the totaled car and repair it or use the money towards a new car.
Some insurance companies will sell the car back to the owner. Others sell the totaled car to a salvage yard.
Typically you need a car with insurance to get a title loan. If your car is totaled, the loan company are entitled to that money since they hold the title for your car.
A car is not totaled in a chapter 13. A car may be totaled while the owner is in a chapter 13. If the car was fully exempted, nothing happens. If you need to buy a new car, you will have to get permission from the bankruptcy court after you file a specific purchase agreement (car loan) which should not seriously affect your plan payments. Why are you not asking your lawyer?
You can ask for more money and get other estimates. But usually, the insurance companies will price the loss of a car depending on the blue book's value.
If a car is totaled in an accident and only liability insurance is present, there is a chance that the other party's insurance will pay for the vehicle if the accident was their fault. If a car is totaled, but no others were involved, then the responsibility falls on the registered owner. This will not release the registered owner from paying for the vehicle, either, if money is still owed on the car.
Not if you notify you local PVA that the car is totaled and not longer in service. You will pay taxes up to the day it was totaled.
If you have the proper insurance or you were hit by someone you will surrender the car and the title to the insurance company and they will pay you the actual cash value of the car before it was hit.
Read your policy.
When a lease car is totaled, the car company will require the car lessee to pay the lease balance to get out of the contract. This is applicable for a wrecked car and non-reparable vehicle.
You will get actual cash value for the car and will sign the title and car over to the insurance company, unless you wish to buy it back for a reduced payout.