lol...thats what i was thinking....sorry manWing Zero said:LOL dude, how old are you? Are you even paying for your car or insurance?
If you don't know these terms but signed the insurance papers anyway then you deserved to get screwed by the insurance co.
Sorry to sound harsh but its true.
Maybe they have "No-fault" Insurance in New Jersey?vlad_a said:Sounds to me that you're found at fault, since it's your insurance covering the damages ($500 deductible from your pocket, otherwise 0).
Depending on an Insurance company, a car is considered totaled if it will cost 75%+ of its value to fix. Also, depending on an insurance company, they may or may not cover your mods.
What is the $ estimate to have your car fixed? I have a feeling it will cost more than they are anticipating.