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Re: Don't let this happen to you
I would recommend getting an attorney. I do a lot of property damage cases in south carolina. If you were in sc, You should get the cost to repair the truck (unless the cost to repair is over 75% of the value of the truck, in which case it is "totaled" and you are the entitled to get that money less any salvage value and keep your vehicle). You should also get loss of use (cost to rent a vehicle of comprable style per day) and any depreciation (called diminution in value or "d.i.v." In insurance lingo) if the truck isnt totaled.
Insurance companies HATE paying anywhere near real depreciation for any car and that's where the fight will come up.
I don't know what texas law is for property damage, but remember this... Insurance companies dont make money by paying it out. No matter how nice they sound on the phone, they are out to pay you the least amount of money possible.
Just my 2 cents....
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