FL is a "no fault" state, but if a police report indicates the shop (or the individual who was driving, anyway) is at fault, you can call your insurance, explain the details, and let them and the other insurance company fight it out.
If the car is totaled, when all is said and done, you should be getting a check cut to you from one of the insurance companies for a new car (however, the shop/driver should eat the deductible -- fight for that).
If the car is not totaled, look into receiving additional compensation for diminished value from the shop or driver's insurance company -- receiving compensation for that isn't law in FL, but if its a big, national company (Geico, Progressive, etc.), they will be motivated to compensate you anyway, because it is law in some state where they operate, and company policies on dealing with diminished value tend to be across the board.
Anyway, it sounds like you've endured a lot -- far more than most people can even begin to imagine enduring. Not everyone has the will to do that; you are a survivor.
This whole thing with the shop is a really, really shitty situation, and your frustration and exasperation are very understandable. But it will definitely pass, you will definitely be ok, and you will definitely have a new Z soon.
Good luck and hang in there!
__________________
Enjoy it. Destroy it.
|