Seriously...? Screw the molding back on and go on with life.

An F-150 hit me. This is worth claiming on insurance.

 

I dont pay extra for comprehensive insurance every month to not use it when something happens.

 

I ran over a deer that someone else had already hit on the highway a couple years ago. I had to spray bloody clumps out of all my wheel wells. Didn't seem to hurt the truck any. Poor guy that hit it was on the side of the road in a Ford Fusion that was less than a year old. The front of his car was destroyed and all the airbags deployed.

 

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'.

 

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.

 

How much if an increase?

 

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.

 

My insurance agent made a direct statement that they do not factor comprehensive claims in their rates and this will not increase my rates.

 

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.

 

Sweet Mary. What are they fixing for 2100 bucks? I'd fix myself right into another truck haha.

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.

 

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...

 

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

 

That's for sure. They just had paint for the box side and blending down.

 

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 like that thought. Gave me a good laugh.