How do I know if my car is considered totaled in Texas?

How much damage does it take to total a car? 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 considered totaled or can it be fixed?

Answer
“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. The ACV refers to the value of the car prior to damages.
Let’s say, for example, the ACV of the vehicle was $15,000, the cost of repairs was $3,000, and 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 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.
If you’re unsure what your current plan includes or are interested in adding coverage, Jerry’s friendly agents are here to help. Call or text (650) 753-7799 for advice on the best insurance to suit your needs.”
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Phoebe Mah
Answered on Sep 09, 2021
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