If your car was hit and then totaled when the other driver is at fault what are you entitled to in terms of settlement?

You are entitled to the value of your car the day it was hit. If you have a 1 day old car, the purchase price (within reason) is probably close. i say that only if you bought car at a good retail price, if a dealer sold you a 2005 Ford pick up for $85,000 and it retails for $25,000 an insurance company will not pay you $85,000 because you were taken before. On the other hand if you bought a $25,000 car 10 years ago and the value is now $4500, you are owed $4500. Most insurance companies use common book values and get a range of value.