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How do I know if my car is considered totaled in Texas?
Last night there was a bad storm and the trees were swaying very hard. This morning I was leaving the house for work and I saw a tree had toppled on top of my car. Is my car officially totaled or can it be fixed?
Phoebe Mah · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
In Texas, a car is considered totaled when the cost of repairs together with the salvage value—the value of the car after damages—equals at least 100% of the
actual cash value (ACV)
of the vehicle. - Here’s an example:The ACV of the vehicle was $15,000 before the accident
- The cost of repairs was $3,000
- The salvage value was $5,000
- The total amount of the repairs plus the salvage value is less than 100% of the pre-crash value, so the vehicle would not likely be considered totaled
In your case, the tree falling was beyond your control. This type of damage is covered by
comprehensive car insurance
. Assuming you’ve added comprehensive coverage to your standard car insurance
policy, it should cover the cost of the damages to your car, minus your deductible.View full answer
- Gregory R.
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