能total lost當然最好，如果total lost後對方保險公司賠償我的金額是如何計算?是該車當前的市價嗎(未受損前)
if it's not your fault,
call your insurance agent first,
tell him/her what you wanna do,
car accident in U.S. is insurance company's job (that's why you pay the "expensive" insurance fee),
your insurance company will deal with the 3rd party's insurance company,
that's the best and fastest way to get rid of your old car.
but you need to pay "deductable fee" first ($0, $500, or $1000, it depends on what your policy is,
if you wanna get a new car,
tell your agent to pay for it,
and he will bill the 3rd party's insurance company to get the money back (if it's NOT your fault)
easily speaking,
all the bills will be on the driver who made this happen.
if it's not your fault,
go ahead to choose a proper car for yourself and let the other driver pay for it.
Be ware,
if he/she doesn't agree with your request,
then you will need a lawyer.
Don't be afraid to go in a law sue,
again, if it's NOT your fault,
you will NOT be the one who pays for a lawyer,
and many lawyers are willing to sue him/her for you (earn some money).
This is America!
Any further question, don't hesitate!
(Sorry for no Chinese typing....)
因為我的保險只有liability
所以目前也沒辦法找我的保險公司先付錢給我
我的agent是叫我直接跟對方保險公司連絡
目前對方的保險公司表示要等警方事故鑑定報告出來才願意派人來查看車輛跟鑑價
所以我也已經開始找車了,希望到時候這車能夠被total lost囉
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