It's real. I remember when this picture was new. You can find a whole ton of photos (including this one somewhere) at this site that features wrecked cars. And there is damage and scuffs on the ceiling, I don't see how you can't see it.
www.wreckedexotics.com
more specifically, here is the section dedicated to weird wrecks:
http://www.wreckedexotics.com/newphotos/weird/
The description for this particular photo, from what I can remember, is that the truck driver vaulted off an embankment or something higher up and landed in the garage, and on top of the car. He didn't hit the back of the car, therefore it isn't badly damaged.
And, if it were a chop, then what would have caused the damage? Trust me, I've seen more bizarre photos of wrecks than this.
Edit: just saw someone had linked to Snopes. Didn't know they had this particular wreck, so there you go.