Anyone know what amount of damage Totals a Truck? Update

I believe you. I’m just trying to figure out this whole insurance game. And I have a feeling I’ll never get there!

 

It's not so much what I think at all. It's up to the adjuster. The adjuster always judges in the best interest of the insurance company , not the insured , which is not surprising.

 

When the threshold reaches 75%...you have to upload a V.I.R......"Vehicle Inspection Report " to the Insurance Companies along with photos of the options....dash , console . Interior photos , tires and engine compartment....you actually grade these for the Insurance company as well....from poor to excellent.....than they factor how solid your estimate is ...usually you will disassemble the vehicle and write for a "complete estimate " ....rental days are also factored in

 

Not surprising at all.

 

Hell, Scott , you have seen a lot wrecked vehicles and just as many adjusters.....Must be fun dealing with insurance companies.

 

Been in the Auto Body trade for 32 years ...managing a shop for last 6...I do this everday at work....I will push a vehicle over threshold if I deem its not worth fixing...and not GOOD for my customers

 

Double suck unfortunately..

 

I almost threw a Geico adjustor across my parking lot last week !!!!!.. This is a list of the WORST insurance companies in order ....1st being the WORST ....#1 Geico....#2 Farmers. ..#3 Allstate....#4 Progressive.....#5 Country Financial......The top 2 Insurance Companies that are AWESOME are....#1 State Farm....#2 USAA

 

Good to know. I have USAA. I was thinking about shopping because they are a little high but maybe I’ll just stay with them.

 

I'm with Progressive. Hmmmm.......

 

With any luck I will find out tomorrow I will push for it being totaled (I really think the frame in bent) The truck only has 18000 miles and has a payoff of 21000 as of Feb 2018

 

Good I'm with state farm

 

Good luck!

 

This was my 2014. They did not total it. Little over 11k in damage. I traded for a new 2017 tundra, a month later.

 

Did you get a fair trade in value?

 

I was happy with what they gave me. They knew it was wrecked, showed them the insurance claim and everything that was done to it. They gave me $22,500. Plus, I got 6k cash from the insurance company for deminished value.

 

It only had 34k miles.

 

Do you have gap insurance ?

 

I would not leave USAA....I actually would put USAA and State Farm even .....In fact USAA is awesome.....I know a couple that had found mold at the baseboards of the floor in their house....USAA took the house down to the floor studs and built them a brand new home from the subfloor up....and put the couple up in a nice hotel until it was finished. USAA will ONLY authorize factory parts on vehicles 2 years or newer. No other Insurance company will do that.....State Farm will only use factory or used parts of like kind and quality....No aftermarket parts allowed

 

This right here, I carry a 500/750/500 policy. When you look at the extra coverage the costs are next to nothing to upgrade, cost me about $8 more, I honestly do not understand why people carry not enough insurance.
With the costs of automobiles these days one at fault accident can eat up your coverage fast.

 

Agree that the cost for good coverage is worth it. However it’s not the cost of cars, it’s the litigation from injuries and supposed injuries that drive up the claim values. People should buy Umbrella coverage to protect them in case of litigation.

 

Man, that sucks. I just went through a similar situation with a drunk driver hitting me. Even though it was all his fault its still a pain in the ass having to deal with all the crap. I mean they paid for everything, but I had to do a lot of stuff dealing with insurance companies and hospitals to new truck shopping.

All very annoying.

I had my insurance company handle the vehicle side of things. They did the inspection and all that. I didnt trust his insurance to do me right. But there was never any doubt that mine was a total loss.

 

I don't know but I'm not upside down on the loan.

 

Update; Body shop informed me for State Farm to total a newer tundra the cost must reach 30 to 36k I don't think it will be totaled!

 

Yea, that’s about what I was thinking. Oh well, it should be fixed good as new. Good luck!

 

At least hope it is. Mine wasn't, that's why I traded mine, just a couple really small things that I couldn't deal with. Good luck.

 

Like what? give me an example please

 

Well, both doors had to be replaced, front fender, left front suspension. They also had to repair the door jams. Door jams wasn't perfect, so the doors didn't line up perfect, wasn't bad, but enough to make me sick. Especially since I had only had the truck for about 8 months, I bought it used with 15k miles. They used aftermarket inner fender well plastic, didn't fit correctly, it came loose and was flapping in the wind. Body shop fixed that problem. I kept it right at a month, Everytime I went to drive it, it made me sick. So, I got on line and found the exact truck, same color everything, except I got the bigger gas tank and trailer brake controller. So I let the dealership have my problem. I hope you get yours fixed perfectly, because it's a shitty feeling driving something that you're not happy with.