Hey David ~
Pay Attention to Attorney Johanna's suggestions here!

Quote Originally Posted by Cataholic

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.

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.
Follow-up Question for Johanna:

David's new car was LEASED ...
Does a leased vehicle have more value to the OWNER (the leasor)
than it has "actual cash value"?

In other words - is the Insurance Company likely to offer a settlement that
doesn't pay off the "value" of the vehicle that the Leasing Company wants in
exchange for not getting their car back in pristine condition?

Suggestionto David ~
Do NOT sign any agreements nor cash any insurance checks till you
FULLY understand their meaning.

/s/ Phred