My new car was demolished in an accident that was somceone else's fault, I only owned the car for three months will I get back what I paid for it three months ago? 
Sad to say , you probably will not if the settlement is handled by the other company . A car depreciates in value quite a bit as soon as it leaves the lot and the insurance company will settle the loss based upon the depreciated value in most cases . Now , if you happen to have coverage in your own policy that provides for a brand new car replacement , it is best to talk to your Insurance Professional about your options . Some companies even offer a deductible advance so that you would be much better off in a situation like I have just described letting your own company handle the settlement for you and then go after the other guy 's insurance company for reimbursement in a subrogation proceeding . 