Help-auto accident question/unlicensed driver/not our fault/losing vehicle?

https://medium.com/@0yassin_14518/car-insurance-illinois-quotes-6d6255569fa7 am not trying to say it's anyone's fault about what we owe, obviously. But had the elderly man NOT pulled out in front of the driver, who was driving perfectly fine, my vehicle wouldn't be totalled. I am losing my vehicle and still paying on it. If anyone put themselves in my place, I am sure you can clearly see that it doesn't seem fair. Please do comment if you do not have anything helpful to say, I am not a child. Thanks anyways.

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I have a concern about car insurance in Arizona.?

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Do i need to tell my insurance carrier that i have equipped lexus lights on my 206?

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