Dallas, TX asked in Insurance Defense and Car Accidents for Texas

Q: Insurance company said my truck is totaled and it is still drivable. Do I have the right to second opinion?

1 Lawyer Answer
Peter N. Munsing
Peter N. Munsing
  • Personal Injury Lawyer
  • Wyomissing, PA

A: Totaled means the cost of fixing is more than the book value.It could be driveable but because of age it's book value is low. They aren't required to pay more than book value. Example: you own a 67 Dodge dart, good to 240,000k You have 120k and they offer you book value of $300. If that's the book, then even if it's totally driveable, it's their option--not yours.

If you were hurt, contact a member of the Texas Trial Lawyers Assn--they give free consults.

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