answer:usually the only way you can get a new car out of an accident is if the car is considered “totaled”. If the car doesn’t run because of the accident and the estimated repairs equal a high percentage of its value, then the insurance company will probably give you money for a new car. so, there is nothing you can do or say to the insurance company, unless they let you take the car to your choice of repair guys. if the repair guy says it will cost a ton of money to fix the car, then you’ll get the money for a new car. If you bought gap insurance from your dealer, then you could get money from that company to pay the difference in what you owe on the car.