What happens if the damages on my car are more than what the car is worth?

-Does the other persons' insurance have to total out the car and write me a check?Who's ever insurance company is assigned to cover the damages will determine if the car isn't worth repairing, then they will total the car and write a check for the blue book value. If the car is still financed, the check will go to the lender. If it isn't big enough to cover the outstanding balance on the loan, the borrower must pay the difference.



The other driver' liability insurance will cover damages to your car

OR

Your collision insurance will cover damages to your car

But only one will pay, not both.
If the damage is more the car is worth. The car is totaled. Insurance companies go by if the damage cost more to repair than a certain percentage of the value of the car. The car is totaled. I can remember the percentage. Easy search. Yes the will pay the blue book value of car.
It would be written off and you would get the black book value of your car,
No way.