it really has me worried….

A little over a year ago I purchased a vehicle, a Dodge Ram 1500, circa 2009. Since then I put new tires on it, mud flaps and step bars. It runs great. It looked great, not a spec of rust on it.

On the way to work someone rear ended me. His insurance company admitted the fault. I’m driving a rental car, paid for by them. I finally came to the appointment time to have it repaired. I dropped it off yesterday, and the repair shop, a good one, increased the estimate from what his insurance company said, ($3,600),  to around $9,000. Similar vehicles cost in the area of $14,000 today. I still owe $8,000 on it. I had a good deal when I bought it, maybe about $5,000 less than what it was worth because of higher mileage.

I fear that his insurance company may say the vehicle is totaled. It’s still drivable, still runs great, at a minimum it needs a new bumper and brackets for the bumper and a tailgate.

Damn it, I liked that truck and hate to have another insurance company, not my own, say it’s totaled when it’s not.

I’ll just have to wait until his insurance company contacts me or the repair shop.

Any suggestions or similar experiences with anyone out there?

Author: Gerry D

I'm from Pensyltucky. Can trace my ancestry directly to whom the present day national anthem of Poland is written about. Presently repair slot machines at a casino.

9 thoughts on “it really has me worried….”

  1. If the truck is damaged at either repair price, then my hunch is that you will be plagued with problems for evermore. I’ve seen these battles where you have to take it back over and over to get it right, and it never does, especially if there’s any damage to the frame. Your resale value is shot, too.  Get it replaced. Once you’ve been in love, you’re more likely to fall in love again.

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  2. The insurer will almost certain go for a second opinion.  If it is also high, they’ll total it and you should walk away.  UC is correct that with that much damage, it’ll never be right again.  If totalled, push hard for a fair assessment of its pre-crash market value.

  3. Phil Turmel:
    The insurer will almost certain go for a second opinion.  If it is also high, they’ll total it and you should walk away.  UC is correct that with that much damage, it’ll never be right again.  If totalled, push hard for a fair assessment of its pre-crash market value.

    It seems very unfair that an insurance company, not mine, to protect their pockets can total a vehicle when it is still drivable. And most importantly, the accident was not my fault. It’s like highway robbery.

    I will have to talk with the repair shop today.

  4. consult a lawyer in your state

    you may be screwed if you deal directly with the other party’s carrier rather than your own

    in some states the laws require your cartier to deal fairly with you but do not require as much of the other carrier

    for example, using your carrier’s recommended shop may create a warranty by your carrier. if another carrier pays, you may be stuck with the shop’s warranty only

  5. CT, so far so good with his carrier, I have a rental from them. I think the shop I choose is exaggerating to manipulate the insurance company. I will have to talk to them in person today. On the advise of the state trooper, I went through his carrier to not have to pay my $500 deductible. They admitted fault.

  6. What is the NADA book value? Presumably, they will offer you that value. They may dispute condition and try to give you the low end of the book range. I have personal experience with Ram trucks of that vintage and can attest that one with a rust free bed is a rarity and should be high value.

    The next question is what salvage value are they assigning to it. They may allow you to buy it back for that salvage value.

  7. Follow up…

    It seems that the place that I choose to do the repairs went far beyond the damages!

    I bought the truck with some damage to the front of the bed. The previous owner had a load shift and the front of the bed bumped into the cab. They erroneously added this to the damage caused by the accident. I called them today and asked why they have to remove the back window from the cab. They explained to fix the back of the cab.

    I said wait a second, that was not caused by the accident, it was preexisting! I continued, I don’t want the insurance to pay for that. Just the damage caused by the accident, the bumper and it’s supporting brackets, the tailgate and the small wrinkle in the cab on one side where the frame flexed.

    OH! They said, well that will drop the estimate by a few thousand.

    I said great, I don’t want the truck totaled, I want the truck to be fixed as it was before the accident. I want to keep the truck.

    They said an adjuster will get back to them either tomorrow or Friday and they will call me after that.

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