if you have gico then no but any other car insurance will yes
Its your fault
If the driver was uninsured or only had liability insurance, they would be liable to still pay the finance company back or face a lawsuit.
It would depend on why the car was totaled and who's fault the accident was and what time of insurance do you have PLPD or Full Coverage
most time if the car was in an accident and is totaled you will have to by it back from your insurance company
Either the cars owner or the insurance company who paid for the totaled vehicle
If another person was at fault for the accident, you will need to go after their insurance company. If you are liability only, your insurance company will not pay for anything.
file a collision claim with your insurance company once all is settled they will go after (subrogate) the uninsured (assuming they are at fault) party to recoup theirs and your money.....
If the accident is your fault, your insurance company is not going to pay out anything. If it is the other person's fault, the other insurance company will be liable.
There's a good chance the insurance company will deny the claim of the person with the uninsured vehicle, as that vehicle isn't supposed to be on the roadway to begin with.
An insurance agency represents the insurance company. This is the decision of the client, not the agency or the company. This has no bearing on the fault of the accident...unless they have not inspected the vehcile yet...when in most cases the vehicle is stored at a facility.
The insurance company will only pay the 'book' value of the vehicle as if it were in perfect condition unless damage prior to the accident was discovered and that damage will be deducted from the 'book value'.
An insurance company declares a vehicle totaled when the cost to fix the vehicle exceeds 70% or more of its market value.