I wrecked my car it wasn’t my fault. I want the car totaled, but the insurance company is using retail value?

I wrecked my car it wasn’t my fault. I want the car totaled, but the insurance company is using retail value? of the car. Is there anyway I can get them to use a private party value or something else? I had a 2001 honda civic LX, 1 owner, auto, 117,000 miles on it. The… Read More I wrecked my car it wasn’t my fault. I want the car totaled, but the insurance company is using retail value?

Do you need car insurance for a primary car in the state of NJ even if you plan on using someone else’s?

Do you need car insurance for a primary car in the state of NJ even if you plan on using someone else’s? Hi, I am a probationary licensed driver in the state of NJ, and since I live with my mom, I was told by an insurance company that I need to have insurance on… Read More Do you need car insurance for a primary car in the state of NJ even if you plan on using someone else’s?