HELP!, my car was hit by a police cruiser Options

[nics]

while i was on my way home last night with my brother and my cousin, cruising to a stop then suddenly a car hit me on the driver side and then i realized that it was a police cruiser. he beat the red light continued driving 3 more blocks. called 911 and cops came in. thank God no one was hurt.

they told me that the cruiser was malfuntioning because of the gadgets hooked up in the car. the cruiser came from an alley, my cousin noticed it but i didnt because i didnt see any lights on including the siren. this happened around 9pm. the one driving the cruiser told the investigating officer that he was parked at the corner of the alley, he was applying his brakes then suddenly his car revved just like that and when the time that he hit my car, he said he put it in parking gear. I DONT KNOW IF ALL HE SAID WAS POSSIBLE!

i called my insurance and let them know what happened. the investigating officer told me that it was definitely not my fault and the insurance would take care of it.

i dont know what to do now...
im really pissed off!
seems like i would sue them!

any advice or help from you guys? thanks

[playr158]

What if the insurance marks his car is being totaled since its not driveable? Will they give him enough to buy another 6g?

Insurance totals a vehicle by normally: If the estimated damages to the vehicle exceed 2/3rds the value of the vehicle (or some other % depending on who you have ect.) they total the car. You will get a check for the market value of your car, (normally not enough). You do however have the option to buy your car back from the insurance company (normally pretty fair price) and use the check they wrote you to fix your car and get a salvage title.

usually the check is not enough to just go out and buy a new car, no.

EDIT: Insurance company's do not cover aftermarket parts most the time...why you ask? because YOU DID NOT CLAIM THEM ON YOUR INSURANCE. If you claim parts and modifications on your insurance plan normally they will cover it, but you have to notify your ins. every time you do it ect. and your rates probably will go up (ie more $$ insurance)
Thus 99.9% of people do not claim upgrades on their insurance, so when you go boom they won't cover them because they cover what is supposed to be on the vehicle.

This post has been edited by playr158: Apr 9, 2008 - 12:08 PM