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? 
The other drivers insurance will indemnify you for your loss to the extent of coverage of the other drivers policy . If they have a $ 25,000 property damage limit and your car is worth $ 50,000 your recovery will be difficult . Your underinsured motorist limit will then become a major player . Under the best circumstances the adjuster will have to make you happy . You could file a lawsuit and you might prevail . Insurance companies do not enjoy being sued . 