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How do insure my truck is totalled?

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Posted by Andy T on February 02, 2002 at 18:14:10:

This past Thursday I rolled my truck after losing control on an icy road and driving into a ditch. There were no other vehicles involved. I was not injured and no tickets were issued.

The body of the truck is severely damaged. The passenger's side of the roof is collapsed almost all of the way down on the A pillar and most of the way down on the rear pillar. Every panel is damaged to some degree. The driver's door, fender and tailgate can probably be fixed. The rest would need to be replaced. I know they frequently come up with complete bed's from various sources. I looked but could see no frame damage. The undercarraige looked okay and the truck was driveable other than a flat tire.

The Truck is 2000 Ford Super Duty F-250, regular cab, 4x4 pickup with about 52,500 miles on it. It listed for $33,000 and I paid about $29,000 plus tax. It has a dieslel engine, auto, ac and base trim. It got about $800 worth of new tires 5,000 miles ago.

The truck is 200 miles from home so I will not be there when the adjuster writes his estimate or makes his decision. I do not want this truck back! It will never be right. So, my question is: what can I do to make sure the insurance company (Amica) totals it?

Thanks, Andy

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