Please answer if you know the answer. Car accident. Why won't I get a replacement?

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New member
In 2005, I bought a 2003 Toyota Camry for 21K. Recently someone at fault destroyed my car completely.

My question is: Will the person's insurance replace my car?

I am learning now that I won't be getting a replacement, and that this will be a big loss for me, even though I am not at fault, but rather the next person is.

Is this true?
The police report says I am not at fault.
 
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