Auto Insurance Claims: car accident, full coverage insurance, car cause

Question
I had a car accident.. I had full coverage insurance. The other driver had insurance.. I live in Texas.. What i wanna know is that i had my 2005 Malibu max x just 2 months ago. I just purchased the car it 2 months ago value of it was 7526.00.. this was the only car i had for work.. The accident was not my fault the cop said ...Were still waiting for the police report. What are my chances!! Will i get another car and will the other insurance pay for the total amount to the car to the finance company... cause the my car was smashed and totaled the front...if they don't get me another car cause it wasn't my fault do i have the right to ask for more or if the other insurers say they will not give me for another car. Should i contact a lawyer? Please Help!!! This is my first accident. Im kinda green to what the adjusters will do.. They will see the car both adjusters on Monday....

Answer
Hi,

I live in Texas also, the general rule of thumb is that you will be paid on thei actual cash value and not what you owe. This means that when all is said and done, you will be left paying your finance company the difference.

Getting a lawyer will do you no good unless you have an injury claim as well.

Yes, it sucks that because some idiot destroyed your car, you are left on the short end of the stick, but that is how it is.

I won't lie to you to make you feel good. This is how it all works.