My uninsured car was hit by an insured driver will I get new car or will they just pay what I owe left of car?
Although you’re required to carry at least liability insurance in California, your uninsured status shouldn’t affect your ability to have a claim paid out. In terms of what you will receive for your vehicle, you will most likely be cut a check for the actual cash value of the vehicle. Meaning, you will be paid what your vehicle was worth before the accident – not what it will take to get a new vehicle. This is pretty standard for most car insurance policies.