maineimport wrote:Even if it's deemed your fault, they are still required to fix it. It will go as a claim against your policy, but they have to pay the replacement cost or fair market value (not sure which).
For most companies, in most states, the only thing fault determines is chargeability. I believe there are a few companies that still surcharge for accidents that aren't principally your fault (in a select few states), but that's the exception rather than the rule.
Depending on how fault ends up being determined and how your company is filed with the state Department of Insurance, you might not end up paying *anything* more in premiums, unless there's an unrelated rate increase or some other changes.
The method for determing the amount of money you'll get for your car will vary, as Maineimport mentioned, so read through your policy for the details.
Like Maineimport said, this is all assuming you were carrying Collision coverage. If not, unfortunately you're out of luck.
For anyone else out there, a good insurance agent should be able to write a policy that fits for *you*. It's not always easy to figure out what's the best policy for your specific situation.