My daughter had her unattended legally parked car hit and totaled out by a drunk driver with no insurance in a stolen car. The owner of the car had no insurance and both of these people are in jail according to the police report. My daughter has full coverage insurance which paid off her car. She now does not have a car. The insurance company told her it is up to her to buy another car. She has only had this car a few months and paid 2,000.00 down out of her income tax money. She now has to come up with another $2,000.00 for a down payment for another car. Is this the way it works with insurance companies. It seems she is being punished for a drunk drivers actions. She had a car and now she does not have a car and none of this is her fault.