If your vehicle was damaged but not totaled can you request that the insurance company replace it with a new vehicle if the accident was not your fault?

Fault in the accident is not a consideration. Normally the insurance company or the At Fault driver is responsible only for repairing your vehicle and providing you with a rental car.

While this may not be entirely fair, it is the system and you agreed to it when you chose to drive.

Some states do have a provision that a vehicle must be totaled if the damage exceeds a certain percentage of the total value of the auto. YOur best resource is your insurance agent.

lwpat