If your 2007 Ford F-350 Super Duty is totaled and you owe more than its worth, you will need to determine the actual cash value of your vehicle. This can be done by assessing factors such as the vehicle’s age, mileage, condition, and market value. You can consult with your insurance company or use online valuation tools to get an estimate. It’s also important to review your insurance policy to understand the coverage and any applicable provisions for total loss situations.