I hope you recover quickly and don't have any serious complications from the accident

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But... I have a question. This is the second time recently that someone was in an accident that was completly the other person's fault. In both cases the people expressed concern that the insured value of their car wouldn't be enough to buy a new one.
If I was in an accident that was someone elses fault, they would be paying to replace my car, not paying me the actual worth. Isn't that what ussually happens when the other driver was at fault/negligent?