Unfortunately, totalling a vehicle so near to its purchase is about the worst case scenario for insurance. Odds are you are not going to like the results of this claim, and whether you can get the same deal or not will probably be the least of your concerns.A total of a vehicle does not pay to replace the vehicle with a new one. It pays you the depreciated market value of the vehicle at the time of the incident. So, they are paying to replace it, but they’re paying the cost to replace it with one that is 2 weeks old, not a brand new one. Some insurers do have a policy of considering vehicles less than X weeks old as being brand-new and essentially totalling it at purchased price. Hopefully yours is one of them.The market value of a Used car, even one just 2 weeks old, is a lot less than one that is brand-new on the lot; possibly as much as 20%. When they say that a car loses a huge portion of its value the second you drive it off the lot, this is what they’re referring to.This means that on a hypothetical $40K vehicle, you may not get more than $32K from your insurance company.Most people’s concerns at this point is What about the loan because I still owe all $40K and I can’t pay off the loan and get a new car with just a $32K check. If you purchased gap insurance, that will cover you if the amount you owe on the loan is more than what insurance pays you. That’s good news. If you didn’t purchase gap insurance though, you have to come up with that $8K gap to pay off the loan on your own. And, odds are, until you do you can’t even get another vehicle.If you paid a large down-payment and therefore do not owe more on the loan than the car is worth and/or you paid in cash, that has the upside of at least not requiring that you need to come up with a lot of cash to fill that gap. But unfortunately the difference between what you paid and what the insurance pays you is just lost money at that point. You just paid $40K for something that insurance is only going to pay you $32K for. Whatever kind of deal you can work on the price of the car is nothing compared to that $8K loss.If you’re lucky, it’s possible that the deal you got on the car made the purchase price so low that the depreciated value may not be that much different than what you bought it for. It can definitely happen where the incentives on new vehicles get so high that they sort of make up for the depreciation. I’ll keep my fingers crossed for you that is the case here.All that said, if everything does work out for you and you do happen to get somewhat fairly compensated, I wouldn’t worry too much about the price negotation on the car. Unless you were purchasing the very last of the prior-year models, any deal they could cut you 2 weeks ago, they can cut you the same (or at least substantially similar) deal today. Despite all the marketing, there’s no magical time of the week/month/year where you can get crazy deals one day and can’t even touch them the next. Large incentives on vehicle don’t just disappear from one month to the next.