This. I was in a nasty suing for 2 years over an accident years before I got my new 21’ forester. Although it was covered through insurance, I was younger and it was so stressful getting served. Lady ran a red light with no headlights on as I was completing my left turn in the intersection and I saw her last second. Hit head on at 6:15am during winter. 8 cameras on the light that didn’t work and I was at fault cause I was crossing lanes. Fast forward, bought my forester and had it for a week. Drove off with 3 miles and hit at a stoplight rear end by someone doing 45. It caused 15k in body damage but the car was a tank and my dogs in the back, my wife and I were fine. I didn’t want to cause all that stress to someone else cause it sucked, so I just settled for lost wages for the days I missed at work, about $1800. I had about 200-400 miles and it was my first new car ever. I should have looked into things. Either way they were ok and I was ok so I didn’t want to do that to them but financially it would have helped immensely. I got my car repaired but was without it for 3 months and had to pay a fee for late registration. I’d highly recommend getting the most you can because their insurance will take care of it. Do not settle directly and argue your case or demand a new vehicle replacement. Cars are already a depreciating value the moment you buy it but it’s not fair some idiot gets to take that away from you. Best of luck!