The frame on my 05 Tacoma was
The frame on my 05 Tacoma was replaced in July of 2014. They said it was unsafe to drive and gave me a loaner while the parts came in. When all was said and done, over $8,000 worth of parts were replaced at no cost to me. They remove the bed and then detach the cab, engine and tranny from the frame and lift it all up. The engine or tranny never come out. One thing I took advantage of while it was all apart was to purchase a new suspension kit and have them install it to the new frame. This saved me money in the long run.
So don't believe your dealer when they say there are out of pockets. If it has to be removed when the replace the frame and it brakes, they should replace it at no cost to you. If they tell you otherwise, write to Toyota and complain or find an honest dealer. I got new leaf springs, brake lines and many other parts for free. It's like a brad new truck now. I used Hurlbert Toyota in Epping NH.