Well I have been out of the loop for a while due to personal reasons. I pulled out of work on Tuesday night onto US highway 19 and Spun the car around and hit a 75 year old man in an Explorer. Totaled his car and 8600.00 in damge to mine. Could this suck any more? Dimmit is going to have my car for 2 weeks. Does anyone know how the loss in value insurance works?