Rear ended, total -- what now?

Question

I was rear ended at a "Yield" sign. The legal situation quite clear (not my fault). The car unfortunately a total. But, it is structurally intact, i.e. repairable and then legally drivable.

The other insurance company has offered a check.

Now my questions: When I have the car repaired only "in part" (i.e. not looking "new" like before the accident), what will the new insurance scenario be if there were to be a follow up accident? What will my premium be for a "repaired in part" vehicle? Can I still have collision insurance? If the car were to be totaled again, what would the "assessed value" in such case?

Note, we live in NJ.

Answer 1

Every insurance company is different. I think it would be a good idea to contact your local agent and find out what your insurance's policy and procedures are.