a lady hit me from behind, and i pushed me forward, so that i hit the car in front of me. my car was damaged, and i think it is not repairable. my ensurance doesnt cover the rental car, and i need a car to go to work and school. can i add this option to my insurance? since my car is not repairable and it is a 2006 honda, how that would work? is her insurance gonna pay me enough to get the same car? thanks.