Not sure about the US law in those cases.
In the UAE, when having a full comprehensive insurance in your car, you will receive in cash a percentage portion of the market value of the car (undamaged car value of course) depending on the remaining period of your insurance. Whatever the percentage value you will receive, this should be good enough of a compensation for the damaged car, bearing in mind the effort you will be putting in retaining it back to its previous status (which is near impossible).
Good luck with your next purchase.
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F10 550i M-sport: Space Grey/Oyster Black
E39 M5 : Carbon Black/Caramel
E39 520i : Titanium Silver/Beige (Sold)
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