Deer hit me
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Senior User
Joined: Sep 2016
Posts: 219
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I dont pay extra for comprehensive insurance every month to not use it when something happens.
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Senior User
Joined: Sep 2016
Posts: 219
Likes: 1
I ran over top of a deer in my truck, knew I couldnt stop in time, so I floored it,
the deer was tiny,
and it didnt make it to the other side of the road,
It didnt hurt my truck at all,
I just have liability, $25 a month,
but if I had full coverage insurance, I would have it checked out.
the deer was tiny,
and it didnt make it to the other side of the road,
It didnt hurt my truck at all,
I just have liability, $25 a month,
but if I had full coverage insurance, I would have it checked out.
Post Fiend
Joined: Apr 2002
Posts: 19,311
Likes: 97
From: Waterloo, Iowa
How come they are the "Kings Deer" when it comes to say, poaching, but if they cause $3000 damage to yer truck, well yer on your own?? Where do I send the bill, to the DNR, right? Jus Sayin'.
Logistics Pro
Joined: Mar 2005
Posts: 4,698
Likes: 47
From: Mexico, Missouri
My ex wife was hit by a deer and the final cost was $1700. That was on our 2000 expedition. Had full coverage. Progressive paid for the damage...
Insurance premium went UP....And I had 2 other trucks with full coverage and also pay 6 months at time.
Insurance premium went UP....And I had 2 other trucks with full coverage and also pay 6 months at time.
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Senior User
Joined: Sep 2016
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How much if an increase?
FTE Chapter Leader
Joined: May 2006
Posts: 12,335
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From: Central Mississippi
Can't see most appraisers/adjusters looking past the rust that is existing + age of vehicle.
And should they pay off to make "like new" or the cost of pre-damage, nothing but a rate increase forthcoming.
A not worth it increase.
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Senior User
Joined: Sep 2016
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My insurance agent made a direct statement that they do not factor comprehensive claims in their rates and this will not increase my rates.
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Senior User
Joined: Sep 2016
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Body shop said there was 2100 dollars in body damage. I now have it at a mechanic checking for mechanical damage. We will see what the insurance adjuster has to say about the rust on the box side.
Senior User
Joined: Dec 2016
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From: Philly
As for the like new statement, that was info from the vo-tech body shop teacher back I'd say about 15 years ago. He never left the auto body industry entirely until retirement.
Cargo Master
Joined: Mar 2010
Posts: 3,328
Likes: 292
From: Laramie, WY
The body shop may be intending to paint the whole truck for a proper color match. I had quotes between 1900 (aftermarket door) to 2800 (Ford door) for a dented driver door after someone backed into my truck in a parking lot. The shop was going to paint the whole truck. Still have that dent...
Fleet Owner
Joined: May 2009
Posts: 21,437
Likes: 76
From: Gilbert, PA
It does Not take long for good body work to add up.
Any shop worth taking it to will charge $500 PER panel they are painting. That does NOT include any body work, that is just prepping the panel for paint and painting it. So figure a regular cab pickup..... 1 tailgate, 2 bed sides, 2 doors, 2 fenders, 1 hood and 1 roof. That is $4500 JUST TO PAINT
Any shop worth taking it to will charge $500 PER panel they are painting. That does NOT include any body work, that is just prepping the panel for paint and painting it. So figure a regular cab pickup..... 1 tailgate, 2 bed sides, 2 doors, 2 fenders, 1 hood and 1 roof. That is $4500 JUST TO PAINT
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Senior User
Joined: Sep 2016
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It does Not take long for good body work to add up.
Any shop worth taking it to will charge $500 PER panel they are painting. That does NOT include any body work, that is just prepping the panel for paint and painting it. So figure a regular cab pickup..... 1 tailgate, 2 bed sides, 2 doors, 2 fenders, 1 hood and 1 roof. That is $4500 JUST TO PAINT
Any shop worth taking it to will charge $500 PER panel they are painting. That does NOT include any body work, that is just prepping the panel for paint and painting it. So figure a regular cab pickup..... 1 tailgate, 2 bed sides, 2 doors, 2 fenders, 1 hood and 1 roof. That is $4500 JUST TO PAINT
Senior User
Joined: Dec 2016
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From: Philly
I'm with yas on how quick it adds up. that's why I asked what gets fixed. Over a $2100 full paint job I would remove all the shiny stuff, get a used bumper, or not... And a small lift with some new tires. Or put no money in the truck's appearance and go order the M1A of my dreams and a few hundred rounds to make sure it works.
I surely wouldn't bother painting one side of a trucks bed and nothing else. To each their own of course but my vote is take the money and run.
I surely wouldn't bother painting one side of a trucks bed and nothing else. To each their own of course but my vote is take the money and run.
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