Best place to determine TMV?

[BenzML]

Summary: Okay so if you see a previous post, my car had been in an accident. Three weeks later after getting it out of a body shop an old man has made a sharp turn and ran straight into my front bumper, a few scuffs but the old man panic'd so bad that he RAN (I let him go, I managed to read his plates as he pulled off my car, didn't bother going after him he hit me infront of a school with a lot of cameras). So three hours later I switch cars and my dad takes the Camry to work at night. Within three minutes he calls me and tells me he got into another accident, this time he tells me its BAD. I go to pick him up, I see that the front/rear right side curtain airbags has gone off and the side roof panels were dented and the right side of the car was just crushed (hit and run, during the bad long island storm we just had). My father had lost control in the ran after being smacked into at 54mph and went spinning into the cement divider facing the oncoming traffic. So cops tells me its definitely totaled, insurance company says most likely its totaled just by hearing that the curtain airbags went off and such.

So now this is the first time I have dealt with a totaled car, my insurance company Liberty Mutual says they use NADA Guide to determine what my car is worth in the market. Considering it came out of the body shop recently, the car was mint prior to the accident and I doubt they can say it needs reconditioning. What can I expect to receive as a loss? Do dealer installed options count towards the value since it based on current market value as if you were to buy it (Retail)? I had a Toyota Installed Remote Starter, Low Jack and few other gadgets they sold along with the Extended Warranty that was never used, also non dealer installed options I doubt would count were foglights and tints. The biggest problem is that I owe exactly $12,703 on a lien through the Bank.

My Car:

- 2007 Toyota Camry LE (w/Foglights)
- It has under 28000 miles
- Auto Transmission I4

Nada Guide says $15,205 with only Recovery Theft Device checked off an option with current Mileage/Condition. What will the insurance company try to offer me (if so can I fight it?), less or equal to the price I am pulling up, because they can't really take off money especially since I have no rust or reconditioning needed on that car.

Any feedback will be appreciate! I am awaiting a call still from the insurance company, I would expect them to give me $11000 (so they have to pay a little as possible). I'd be comfortable to have $2000 left over after having the lien payed off as a down payment for a NEW (not used) car, but seems unlikely.

wow good thing no one get hurt bad

[lostsignal]

That car needs to be burned and blown up at the same time and its ashes buried so it's never seen again. Three accidents in what seems to be three consecutive uses? Were you driving a Camry or a poltergeist?