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Yes, The responsible insurance company will owe for deminished value to your vehicle if it is repaired. They may counter by saying deminished value only occurs when the vehicle is sold and is suspect to many factors. This is just a negoiation point. The fact is they owe you for your loss at the time of your loss and deminished value can be calculated for the date the accident happened. I handled these claims quite often. It sounds like this may be a moot point anyway. If the frame has a severe buckle at the trailer hitch mount (which is very common on this type of impact) the frame must be replaced according to ICAR and manufacturer stds. Yes, the person who hit you from behind will owe for your front damage if you were stopped when impact occured and impact pushed you into the car in front of you. A experienced adjuster should consider the estimated repair cost, projected hidden damage cost which is commonly 10% of the initial repair cost, total projected car rental cost and projected deminished value loss (you must place notice of this claim consideration with the insurance company asap) and compare that total amount to the vehicle acv less salvage recovery amount and then decide if a total loss settlement is to be considered. sounds complicated, but it really isn't. 1st off though is get to a doctor and get checked out. Soft tissue whip lash type injuries can take weeks to surface and need to be explored as soon as possible. I agree, if it appears you are getting any type of run around with the insurance company, get an attny. They usually charge 33% of the injury claim settlement and handle the vehicle portion of the claim for free. This will help you in making sure you receive all claimable money for the vehicle damage. I hope this info helps. Best of luck and take care.
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