Long story short, an unlicensed 18-year-old twit of a driver hit me head-on last night. It was her fault; police report says so, and she was cuffed and arrested for driving without a license.
Unfortunately, the timing for buying a new car really sucks; we just signed a contract on a condo on Friday night, and all our cash will be going to that, and it also means I don’t want to take on any more debt until we have closed on the condo (although I don’t know that it will be an issue, because the mortgage will be much less than we prequalified for).
Also unfortunately, the car, though in good mechanical condition and with 62k miles, is 12 years old, and so book value is probably only a couple grand at best. So I know for sure we at least need a new bumper and grille, and I have made an insurance claim and will take the car in for an estimate, but it’s likely from what little I know that the repairs will probably cost a good chunk of what the car is worth, even in a best-case scenario.
So at what point is the insurance comany likely to consider the car totalled? Anything else I should know in talking to them and/or the mechanic? (The other driver had insurance, but per the cops, crappy insurance, and who knows whether they will cover her if she was driving without a license? I do have uninsured driver coverage, though.)
Lord, that other driver was a moron. It’s a major city with tons of public transportation; why on Earth would anyone drive without a license?