10-05-2026, 01:57 AM
德州車輛全損理賠：估價依據與是否保留車輛要分開處理
保險公司把車輛判為全損後，可要求說明價值如何計算。德州保險局建議，若不同意估價，可用附近車商報價、相近車輛的出售資料，以及加裝設備等資料支持協商，而不是只報自己希望收到的金額。
若打算保留受損車，應及早通知承保公司；理賠款通常會扣除殘值。維修後能否重新登記及投保，仍須按車籍狀態與相關程序核對，不能把收到理賠款理解為已可上路。保險查詢可致電 TDI 800-252-3439。
原刊日期未能確認。查閱日期：2026-10-04。官方資料：https://www.tdi.texas.gov/tips/car-totaled.html
English
Texas total-loss claims: separate the valuation from a decision to keep the car
After an insurer declares a vehicle a total loss, ask how its value was calculated. If the valuation seems wrong, the Texas Department of Insurance suggests supporting negotiations with local dealer quotes, listings for comparable vehicles and information about special equipment.
Tell the insurer promptly if you want to keep the damaged vehicle; its salvage value will normally be deducted from the payment. Verify title, registration and insurance requirements before using a repaired vehicle. A settlement payment does not establish that it is road legal. For insurance questions, call TDI at 800-252-3439.
Original publication date not established. Checked October 4, 2026. Official source: https://www.tdi.texas.gov/tips/car-totaled.html
![[Image: legal.jpg]](https://inl3-media.pages.dev/assets/photos/legal.jpg)
Alena Darmel / Pexels · 文件簽署情境資料照，非本文機構或真實申請 / Document-signing context, not this institution or an actual application. Source: https://www.pexels.com/photo/a-person-si...t-7641842/ Licence: https://www.pexels.com/license/
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來源 / Source: Texas Department of Insurance
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.
保險公司把車輛判為全損後，可要求說明價值如何計算。德州保險局建議，若不同意估價，可用附近車商報價、相近車輛的出售資料，以及加裝設備等資料支持協商，而不是只報自己希望收到的金額。
若打算保留受損車，應及早通知承保公司；理賠款通常會扣除殘值。維修後能否重新登記及投保，仍須按車籍狀態與相關程序核對，不能把收到理賠款理解為已可上路。保險查詢可致電 TDI 800-252-3439。
原刊日期未能確認。查閱日期：2026-10-04。官方資料：https://www.tdi.texas.gov/tips/car-totaled.html
English
Texas total-loss claims: separate the valuation from a decision to keep the car
After an insurer declares a vehicle a total loss, ask how its value was calculated. If the valuation seems wrong, the Texas Department of Insurance suggests supporting negotiations with local dealer quotes, listings for comparable vehicles and information about special equipment.
Tell the insurer promptly if you want to keep the damaged vehicle; its salvage value will normally be deducted from the payment. Verify title, registration and insurance requirements before using a repaired vehicle. A settlement payment does not establish that it is road legal. For insurance questions, call TDI at 800-252-3439.
Original publication date not established. Checked October 4, 2026. Official source: https://www.tdi.texas.gov/tips/car-totaled.html
Alena Darmel / Pexels · 文件簽署情境資料照，非本文機構或真實申請 / Document-signing context, not this institution or an actual application. Source: https://www.pexels.com/photo/a-person-si...t-7641842/ Licence: https://www.pexels.com/license/
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來源 / Source: Texas Department of Insurance
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.