Quote Originally Posted by borzoimom
Your insurance company will have an excellent lawyer..
His insurance company will not provide him with a lawyer unless David has been sued. And, if what he says is accurate, liability is on the other party (but, don't get too hund up on the police report. Insurance companies determine liability between two parties, not police officers/reports). And, insurance companies have good lawyers, bad lawyers, and everything in between, btw.

Insurance companies do not buy new cars for people. Insurance companies issue a check to the party that covers the actual cash value of the vehicle that was totalled. So, if you had a 1999 Honda Civic (like I do), you would get the value of a 1999 Honda Civic. Chances are good that that would not be enough to buy a 2007 vehicle.

David, you might consider retaining the services of an attorney that deals in personal injury cases. This is, and can be, more complex than it appears.

Good luck!