Most states require the "at fault" party to carry "property damage liability" to help pay for the other party's property that s/he damages and is liable pay. If the other party was 'at fault' for the accident and you live in a state that requires "property damage liability," you are entitled to be compensated for loss of property - even if you did not have insurance at the time of the accident.

You will need to approach the other party's insurance company. If the other party did not have "property damage liability," you will need to settle this in small claims court. In the meantime, you may need to seek legal advice for your situation. Now, your vehicle's value is determined by comparing your vehicle's condition to similar vehicles. This may include input from local auto dealers, private parties or recent sales. Condition, equipment and mileage differences are also taken into consideration. In addition, your insurance company may use a computerized evaluation process to assist them in determining the value of your vehicle.