Someone totaled my parked car while having a seizure

If someone is using a rental car, and does not reveal medical issues that could affect their driving, the rental car company may deny coverage for damages caused. If the driver has insurance on an owned vehicle, you can file a claim against him through that insurance. Insurance follows the car, but if the coverage is denied, or not available, you may be able to collect from the driver’s policy.If these do not move forward smoothly, you can file a claim through your insurance company. They will pay the actual cash value of your car, less your deductible. They will then try to collect from the other parties through subrogation. If they are successful, your deductible will be reimbursed.The only payment you will receive from any insurance company is the actual cash value of your car. While you can negotiate the value with whatever insurance company is involved, it may not be a figure you feel is sufficient.