If a lady hit my car and totaled my vehicle will she have to buy me a new car?

Most insurance policies are written in a way that does not allow a person to receive a NEW car.  Typically, an at fault driver is responsible to pay back the book value of your used car.  This does not always seem fair (especially when people owe more on a car than the car is worth), but that is usually what is owed.  I would suggest you check out several online sources to see the value of your vehicle.  Two popular sites are www.kbb.com  and www.nada.com. Best of luck. Steven A. Schwartz Attorney/Partner   JOEL H. SCHWARTZ, P.C. One Washington Mall, 16th floor Boston, MA  02108 (617) 742-1170 (800) 660-2270 (617) 250-2072 fax sas@joelhschwartz.com www.joelhschwartz.com