Can my Chevy Silverado be deemed a total loss after a single vehicle accident?

"Can my insurance total my vehicle after I hit black ice and slid into a ditch? It seems like there's a lot of damage to my truck, possible frame damage as well. I really don't want to have to get another car."

Answer provided by
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Emily Maracle
Answered on Jul 27, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“To deem your vehicle a total loss, the cost of repairs will often need to exceed your vehicle’s value. You’ll also need to have collision car insurance on your policy.
Without collision insurance, you’ll be responsible for any costs out of pocket, even if your vehicle is totaled.
To get an idea of the cost of damage, you’ll have to take your truck to a repair shop for an estimate. You’ll also want to look at the value of your vehicle. If the damage is close to exceeding your vehicle’s value, it’s likely that your insurance will mark it a total loss.
If the repairs are less, your insurance should cover the repairs.
If you haven’t already, you’ll want to reach out to your insurance company and let them know what’s happened. They’ll be able to guide you through the next steps.”
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