I know what you are talking about!! Just two weeks after I bought my celica (BRAND SPANKIN' NEW) some dumb lady backed her big ol' SUV into my passenger door. grrr
Anyway...her insurance was only going to pay for damages and for a rental. My dad and I were like, "no, you are going to pay for the depreciation of my car's value now" We fought back and forth with her insurance company... obviously insurance companies like to rip people off, and only agreed to pay $250 for the loss of my car's value...as if $250 covers it.
But it was either that or nothing.
I suggest going to www.kbb.com
, and finding the Kelley Blue Book value of your car before the accident, and then doing it again to find what it is worth now (after the accident). Then find out what the difference is...and tell the stupid insurance company to pay you. Good luck with that last part.