Insurance finally got back to me about the car issue I vented about. The adjuster apologized for taking so long to get back to me and told me that: - They're writing me a cheque instead of repairing the car and the $1000 deductible will be deducted from that cheque. I did manage to get the amount bumped up a little when I mentioned recently purchasing a new battery and two new tires. - They don't consider me at fault for the accident, my rates will not go up and I won't have to use my accident forgiveness option for this claim. - The subrogation department is going to go after the city for the claim and if they're successful I will get my $1000 deductible back (I was going to bring up subrogation, but the adjuster mentioned it first). - I can take the two winter tires off the car and replace them with my all season tires if I'd like. As long as there are 4 tires on the car that's fine. - I don't have rental coverage, but thankfully my in-laws have loaned me their second car. If I do rent a car at any time before I get a new car I can send them the receipts and they can try to get that money back from the city as well. Now I'll likely be out of pocket a bit by the time I find another good used car (I'm likely going to try to find another 2004-2008 Mazda 6 hatchback with a V6 so I can use the winter tires, filters, and oil I already have, but will consider other options), but at least my rates won't go up. So it is still a hassle, but not as bad as I originally thought.