Sorry to hear about your accident. That's AWFUL.

Health care costs could be much, much higher than the value of your car. Hopefully the cost to rehabilitate is covered by your insurance!! As for loan-to-value, you should be able to figure it out using KBB and your current loan value. I don't think insurance companies will change prices even if they are discounted - the cars are still *worth* 10,000 more than they are selling for! (the car manufacturers just pay the dealers up front for part of the cost of the car!!) It doesn't make a difference how much you PAID, it's how much the cars are worth.

Glad you're thinking about your next car and not immobilized.