I got hit and totaled a couple of weeks ago and have started looking for a replacement. Probably going to pay cash as the loan rates are ridiculous now.
I am looking at new or pre-owned with low miles in the $25 to $28 range.
I know there are limits for liability in New York State. I'm just wondering about collision. What kind of percentage for replacement do you find acceptable?
My last car was 27 years old and I just had liability.
Never had an accident until now (and not my fault).
Also, if you have a favorite insurance company I would be grateful for any suggestions.
I had Geico but they did nothing to assist me in the third party claim.

As always thank you for any and all suggestions.

John