I got rear-ended on the way home from work this past Wednesday. Quite a bit of damage to my X-Fire, none to me. I got hit, while stopped, by a '91 Blazer going around 35-40.

I had it towed to the Chrysler dealer's body shop as they were only 5 miles from the scene of the accident.

The body shop manager called me Thursday and said the damage was around $10,600 and the "book" value is around $19,500. 2005/Roadster Limited/32,000 mi. He says that the insurance company (State Farm) would probably "total" the vehicle.

I checked E-bay and found similar mileage Crossfires in the N.C. area going for $26 to $27,000. I have not heard yet from the other guys insurance company.

I have followed the FORUM since May 2005 and see that alot of times members reply with speculation on a question that was asked. Not that there's anything wrong with that, but I need factual answers to deal with my insurance company (Allstate). Let me ask that you reply only if you have actual answers to the either of the two questions below.

1) How do they determine if a vehicle is "totaled": a percentage of Wholesale, Retail, Trade-in value, Tax Value? A "$ value" the insurance companies use?

2) This is a leased vehicle, I have 16 more months left in the term. How do the insurance companies handle this if the Crossfire is considered a "total"?
I put a sizable down payment to lease this vehicle so that I would have small monthly lease payments. Does the insurance company factor this in?
Do they just pay Chrysler for the vehicle and kiss me off? Do they lease a vehicle for me for the remainder of the term? Does my down payment value get considered?

Thanks.