Texas TX Automobile Insurance

Reader’s Question:

Is it true that Texas law does not allow for my vehicle to be totaled from hail damage?

Thomas

Amarillo, TX

 

A vehicle can be declared a total loss if the hail caused enough damage to a car that the insurance company finds it uneconomical to fix it in Texas as in other states. However you may still contact both the TX DOT and Texas Department of Insurance to know if a vehicle could be totaled from hail damage in Texas.

According to The TX DOI any car can be totaled if the cost of repair exceeds the car’s actual cash value (ACV), or exceeds the insurance carrier’s measure to declare a total loss. Each insurance provider establishes a percentage of damage in comparison to the actual cash value of a car. If the measurable damage, from an accident, hail damage etc, meets or exceeds the set percentage the insurer will automatically declare a total loss.