[onewhippedpuppy]

Originally Posted by sammyg2

Dreamers.
I've never heard of an insurance company "giving" anyone a new car.
They either pay to repair it, or pay value of car before the wreck, or pay an established amount that was agreed upon before the car was wrecked.

Check the fine print on the policy.
if the car is not totaled they'll pay to fix it.

Some companies advertise a new car replacement policy where they buy you an identical new car if your new car is in an accident. I'm sure it has fine print defining how new is "new" and thresholds for damage.