If my car is totaled do i get face value or a brand new car.?

You get actual cash value less deductible. So, if a comparable used car in your county sells for $4000, they'll pay you that but take off whatever your deductible is. So, do your homework and look at the local classified ads and nada.com to make sure you're getting a good price. Also, if you've got receipts for upgrades (new stereo, keyless entry, new tires) they will give you credit for them.