Does roof damage total out a truck

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Dec 7, 2012

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Insurance Question from Jeff City, TN

Asked on 12/07/2012

Does roof damage total out a truck My truck roof is dented in right above my passenger door and one door is also dented . Is this going to total my truck?

Answer given on December 20, 2012

The issue of a total loss on a vehicle is based on many variables.. The damage of a dent on the roof and door would not necessarily be considered a total loss, unless the vehicle is old.You will need to get an estimate as to the current actual cash value of your vehicle. You will then need to get an estimate as to the cost of the repairs. The deductible will apply to the costs. If you have submitted a claim to your insurance company, they will start the process of obtaining the estimate for repairs and compare it to the value of the vehicle. However, you too should educate yourself as to the costs and values so you will be able to negotiate with the adjuster. If you do not agree with the adjuster as to the value of your vehicle, you will have to prove your case. You can use local dealer values and the internet, but must use local costs, as they can vary widely over the country.

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