It depends which country they fly in.
You should be talking to the insurance company that insures the vehicle you were a passenger in.
If you feel you haven’t been treated fairly, I would file a complaint with your state insurance company or have your lawyer do it.
It will pay the sum your vehicle is worth according to BLUE BOOK If you have utter coverage and your car is totaled by someone and their insurance pays the current value will your insurance pay the difference?
I have never heard of it and I have been an agent for 26 years.
If you own a car outright and have paid off loans used to buy it, you are no longer required to have total coverage insurance for it.
Utter coverage is considered having at least the state mandated liability coverage plus collision and comprehensive.
Insurance for one’s individual property such as auto or homeowner’s insurance is tax deductible.
Comprehensive auto insurance covers theft, fire, vandalism, weather harm, riots, and other similar acts which may cause harm to a vehicle.
GAP (assured asset protection) auto insurance coverage is one the most necessary, yet least understood insurance products available to vehicle owners.
In the US, yes it does.