Legal Question in Insurance Law in Florida

Re: Accident claims

Generally a car is deemed to be a total loss when repair costs exceed 80% of value. My prior experience as a house counselfor an insurance company we would replace with a new car any major damage in the car was less than 3 months old and 3,000 miles. You might check with the Florida Department of Insurance on your situation.

I would be very unhappy with that much damage to a 3 week old car and would insist on replacement even if I had to go to court. I think a judge or jury would agree. The cost of a rental vehicle during repair and the possibility of hidden damage would make replacement less expensive for the company.