looks like my truck may get totaled out.
 

Well Monday was picking up my fiances little sister up at the high school at the end of the day and went to leave and when I was passing the student lot some kid tried to turn left in front of me and I had less than 10 ft to react and t boned the he'll out of his car. Had Just gotten up to 30 mph and he shot out before I had time to hit the brakes. His car is obviously totaled, his drivers side a pillar is in the middle of the car. My truck suffered damage to the bumper, lights, fenders, hood, grill, ac condenser, cac, radiator, and the clutch fan seized up during that some time (just replaced it 45 minutes before this happened). I'm estimating damage around 3500 dollars but insurance is coming today to look at it hopefully and hopefully they wont total it.

Everyone is okay from the wreck, the driver from the other car only broke his collar bone and the passenger just bumped her shoulder. In my truck got real bad whip lash and some other minor injuries. The cops found weed in the kids car on scene so if they total out the truck I may have a chance at getting somewhere considering I think he tested positive at the hospital.

Anyways just figured id share my misfortune with everyone and if they total the truck im going to probably start a build thread for the "resurrection" of my truck. :tu:

i hope everything turns out alright.:tu:

I think you'll be fine. I was worried about that after our nasty storm this summer with 80 mph winds. My truck needed 5,000 dollars worth of body work and paint match and insurance paid for it.

Its the fact its almost 13 years old and has 187000 miles on it that worries me

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Let me rephrase that, I'm worried insurance will not give it the value it is worth and total it over repair cost. I kbbed it at 7 thousand private value giving it more to the bad side to see how low it'd be so guess depends what percentage they total at.

well my truck is kbb valued at 13,000 and i think my insurance gave it a 14,500 value

you can always buy it back and fix it

you use to replace but i dont think they do that anymore. you might ask them.

If they total it they will cut a check for the value they set on the truck.

But yeah I already decided as hard as it is to find a good truck in this area with low miles and in good shape like mine is next to impossible especially at what they'd give me, that I would be best of buying it back from them and fixing it myself. I know I can do it its just a matter of how long it will take to save up for all the parts needed.

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As far az replacement I believe its only good when you have full coverage which I dont have, just liability. Never needed more because I paid in full for my truck when I got it.

produce all the reciepts for all the upgrades new parts ect they have to reimburse you for all of it on top of the value of the truck

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if you fix it get ahold of J&W salvage in sacramento ca. they only deal mopar

Typically insurance won't cover all your aftermarket upgrades, performance parts. They will give you what it's worth and that's it . Good luck


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if it was the other guys fault, that is on your side a little bit. talk to your ins. about the cost of replacing the truck.:tu:

Im not really willing to buy another truck. My truck is exactly the way I wanted it. When I bought it it had a brand new vp, already had an intake, has a hd tcase special ordered from dodge, 3.55 gearing, and the tranny and diffs just has been service And a new clutch was put in. Technically i'm the 2nd owner of this truck too. The guy I got it from had Just bought it because he's a cummins nut and his wife said too many trucks and to sell it.

well my dad has a hood and might have fenders that would work for you. they will need painted to match. Just buy a billet grill as finding a good factory one is a waste.

Whiplash, yikes!! Glad it wasn't worse. :ouch:

Cool thanks i'll keep in touch if I need them. Insurance said they'd be here tomorrow if not than early Tuesday.

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Yeah considering my airbags didn't go off it could have been alot worse for me and the passengers. Me and the fiance are still hurting pretty bad and probably going to go back to get looked at again. My back has been killing me and my knees are feeling like sandpaper is inbetween the bones. She's having trouble with her back, knee and hip. Hopefully Just still really sore. Its no fun being a diesel tech with a bad back and knees haha

12 days after I first bought my truck I t-boned a guy at 45MPH. :s: Even after I hit him I was still doing 30MPH. These trucks are like tanks. Anyways I had the same damage you did and my frame was diamond shaped by a tiny bit. I was lucky my truck was almost totaled, but I was able to fix it. Still drive her every day. hopefully everything works out for ya :c:

You might ask the boys insurance about a small segment. All so the boy will have to pay for your truck. Most insurance will cut you a check that way you can not come back on them.

if you dont have full coverage your insurance wont pay you for your damages. if the accident was the other drivers fault then their insurance is responsible. as for fixing yours, think about buying a donor truck. thats is what i did, i bought a whole truck with a bad motor did a complete body change, saving a ton of spare parts for later, parting out what i dont need and scrapping whats left. scrap metal is around $200 a ton. i am actually going to make money on my body swap and end up with a really nice truck.

Well the insurance company called it totaled. Claiming over 8000 in damages. Now the little punk and his insurance need to get their shit together so I can start rebuilding.

hang tough with them.

stick to your guns, because insurances companies are only trying to get you out of the picture as cheaply as the can. See what they offer you for your truck. And since it was the others guys fault, They aren't entitled to take your truck. They do have to pay you for the damages encured. It's up to you weather or not you release the truck to them. YOu might double check this with your insurance agent. Then I would make a injury claim. Even if its just a little whiplash, your still entitled for compensation for dealing with the pain and suffering.

Sorry for your loss, if your gana fix it put a huge ranch hand bumper on it...so you wont feel it next time someone pulls in front of you:bat:

I need to come up with receipts for everything I have done with the truck since I bought it if I want a fair value, and of course I don't have all of them :argh:

I would say that may depend on the agent and company. About 10 years ago my wife's daughter totaled her (my wife's) Acura and they were trying to pay her minimal amount as always. The neighbor and I thought it was not bad and about what it was worth. I had done some work to it and she had a new stereo put in and a couple other things I don't recall. In the end she got the insurance to come up with about 30% more $$ with out too much trouble or showing any receipts. She can be very persuasive when she wants something and in a manner that does not put you off, which is helpful. I don't work very well that way. :dang: :nope: :humm:

i have an 01 i wrecked just after i bought it in 04,hit black ice about 15-20 mph,got the bumper, grill,intercooler,a/c cond. $4200 damage.that said though your truck should be worth $8,500-10,000.check kelly bluebook &others, will give ya an idea. sorry this happend to ya (bummer dude)but praise GOD no one was seriously hurt.

Yeah I checked kbb and got about 7 thousand private sell if I remember right without factoring in all the additions and improvements. If I could get them to factor everything in no matter what id be looking at probably 3 to 5 grand up. Got new vp, washer tank, heated power tow mirrors, lift pump, stereo including amp capacitor and subs, new rad hoses, gauges, shift knob, chip, parking light, window tint, goose neck, bed liner, clutch in newer condition, intake, exhaust, air vents for windows, etc. Stuff adds up quick. Just have to get it to count towards value so I can get a good check. They said if I buy it back I'll get the check for value minus 30%. So technically I pay nothing for it just lose 30% of my value check. If I can get it valued at 10 for an example i'll get the truck and a 7 grand check. Which should make fixing it up easy. And have enough to paint the whole truck and maybe some goodies with leftovers :tu:

Insurance companies, don't use KBB or sites like that to determine, the value of your truck. They use another program, that lists prices of what cars and truck sold for off car lots. They find the best comparable vehicle and pay you what that one sold for. I have a Bro in law that is a insurance adjuster and my wife is a licensed insurance agent.

My mother had something similiar happen she Tboned a guy that ran a red light. Totaled her 98 Dodge Neon. car was only realisticly worth about 1000 bucks. After her insurance adjuster looked at it. and checked their source. they paid her 26-2700 bucks for the car. Now that was her experience, so don't get your hopes up. But once everything is said and done you should be alright. "buy" back the truck for 7-800 bucks, take the rest to buy the parts you need, and put your truck back together.

Eh they don't do it that way. They find the value like you said but I forgo 30% of my value check to get the truck back. So if I get value at 10k then I basically pay 3000 to get it back. I wont actually pay but I will get a check for 70% of said value if I choose to keep it.

The insurance company ls more concerned about the total injury value to you and your passenger than they are about the truck. If you get screwed it will be because you are more worried about the truck value than your injuries value.

The injury money will hardly be anything. We didn't miss any work and have not been horribly injured. Likely just getting a little more than the bills for the doctors.

On another note before coming back with receipts the insurance offered 12260 and some change for my truck. I wasn't expecting more than 9. I think I may just take it. If the frame is tweaked then it could be more trouble than its worth sadly. And considering I haven't had a change to even try driving it any small bit it could more issues than cosmetic and front end. I hate to give up my baby but I think maybe its time to part. Considering they are offering more than 5000 over blue book I think I should take it.

I would push it because they always have a 2nd offer. Never lay down on the first offer. I would see what buy back truly is because you can probably part it out for more if you don't fix it. 5spds are popular. miles are low you would have enough money left to put away for a rainy day

Trying to part out around here is hit or miss. Buy back would be right around 4000. Then parting it out to get that back is alot of time I don't have. I have no vehicle to get to work or anything

i'd be interested in the 5spd stuff if you decided to part it.

I thought about it but like I said I don't have the time to part it out to get money back

Hell I would buy your lift pump.

you can buy it back and get a cheap daily driver while you fix up or part out the truck

I already signed off the truck. Insurance agreed to let me pull the chip and my brand new mirrors, they didn't factor those into the truck value but everything else they did.

I'm looking at two 01s one with a slights beefed auto and another with a 6 speed that's a 2wd. I went ti look at the first 01 Monday and the guy got weird near the end of discussion and raised the price 400 dollars after I drove it, the other the seems really good And the guy has full service records since he's owned it so I may go for it if he turns out legit when I go look

Thats good, In my experience when I bought my first truck it was a 2wd 99 3500. Never thought I would need 4wd. I got proved wrong on several occasions. The motor weighs so much over the front wheels and would get stuck to easily for my taste or needs. Just food for thought. Good luck with what ever you purchase.

Well I went and test drove the 01 2wd yesterday, ended up buying it today! Truck was a steal at 2500 under book. Truck is in awesome shape, all service records available from the last 50 thousand miles, has 5 inch mbrp exhaust, 6 speed manual, edge ez, hid lights, bed liner, bed liner on lower half of truck, bed cover, and new tires. Now to start ordering an intake, lift pump and send in my edge to be adapted to 01.

I'll post pictures tomorrow of the truck and since I haven't yet I'll post the ones from the wreck.

Sounds like a sweet truck.

Luke