Well, the damage doesn't look too bad. (I used to own a paint & body shop).  I'm guessing that the lady that ran into your car will be responsible.  Bad thing is that the insurance company will likely balk because of the age of your car.  They will likely say that it is so old that it is worthless. I've run into this before. A friend of mine (I did all his paint and body work) owned a mint 1971 Corvette that got hit and received about $3,000.00 worth of damage and the insurance company wanted to pay about $800.00 because they insisting it was just an old Chevrolet.  He finally told them that this was a mint classic collector car worth thousands of dollars and he would meet them in court.  Once they understood that he was serious they cut him a check for $4,000.00 to make him go away.

Remember that insurance adjusters are not necessarily "car guys."  I would find support on the internet for what similar cars have sold for (I'd include Pinto's too). Otherwise, yes, they will just look at the year and apply minimal value. Wishing you all the best.

As to who is responsible, that may vary from state to state. Typically it is whoever's car hit someone. Sadly a person can be at a red light, foot on the brake and be hit from behind and pushed into the car in front of them. Regardless THEY are responsible for hitting the car in front, not the guy who hit them from behind. It is just one of life unfair aspects. In this case the woman who hit your car becomes the double victim. She was hit and her car damaged and possibly no recourse because the other driver had no insurance and yet she is responsible for the damage to your car.

Wow that sucks to say the least.  I have some bobcat stuff in case you need something.  I do not have a grille but I have some front trim and headlight buckets etc.  Just letting you know in case you find some of that stuff needs replaced.

good luck to you sir.

If you are with the typical insurer like Allstate, State Farm, they will simply say it's totaled and demand for your title....keep the title away from them as they will brand it salvage when your car is easily repaired (at least from the pictures). They will say parts are not available...wh ich is partly true...laws forbids insurers from using used parts, limiting them to aftermarket or OEM parts which will make it "unavailable."  That's sad in many cases as I see simple damage being written off when it's repairable.   

Can't speak to the products of other insurance companies, but State Farm (at least in Virginia) offers classic car policies with "agreed value" much like Hagerty.  It helps protect your investment, but it severely limits allowable mileage.  My '72 Squire's usage falls within the mileage restrictions and it is registered/licensed as an antique (not necessary so far as State Farm is concerned) so it seemed the logical course.  An "in-person" assessment of the car and photos taken by the insurance broker are part of the process. 

Dwayne

As for his policy, I am not sure what happens if it exceeds the agreed upon value...can he pay the difference and keep the car without having to surrender the title? Maybe Dwayne knows...you will have to ask him.

Excellent question, Dan!  I honestly don't remember all the policy's details... it's been insured there since the day I bought it... about eight years ago.  The thing that appealed to me about it was the lack of a requirement for it to be garaged.  I don't have a garage, nor room to build one, and my wife refuses to move.  I utillized the garage space at my mother's house for years and had planned to move into it at some point.  In my mind, it was perfect; free house (inheritance), handicap accessible (for my wife or any other future needs), two-car attached garage and plenty of room to add an additional three-car garage attached by a breeezeway.  The paved driveway was designed in such a way that it wouldn't have had to be altered in order to accommodate that.  While I was planning all that, I failed to mention it to my wife and when I did she stated flatly that she did NOT want to live there; this is her home and she has no intention of leaving it until they carry her out feet first!  It's a shame because it would be so much better location for us, but she was the child of two Salvation Army Officers who moved frequently.  She had moved more than twenty times when I met her.  Once we bought our home 24 years ago, she put down roots and intends to live out the remainder of her life right here, despite the house not being very well suited (split foyer design) to us since her stroke and subsequent incapacitation . Okay... I get it.  So, my solution was to sell all my collectible cars and get over it.  That included a couple of Lincolns, a Rolls-Royce, and one Pinto.  The two Pintos I own now were purchased since I sold that property.  I could rent garage space I suppose, but then they'd probably never get driven!  Que Serra Serra!

Dwayne

I found the article at Hemmings regarding Collector Car Insurance.  It also includes examples of scenarios within the article, and a list of collector car insurers and their contact information.

https://www.hemmings.com/stories/article/classic-coverage

Happy Motoring!
Dan

PS-How's the Bobcat doing so far?  Were you able to get it repaired?  I am sure I am not alone wondering how it is going!

 Can't you just have the frame straightened?  Back when I was in the body shop business a lot of the shops had their own frame machine.  I never did because there was a frame shop not far from my shop and whenever I needed one straightened I would just haul the car over and have them do it. Was cheaper than investing in a Blackhawk machine of my own.