Glad you and the better half survived. Good luck with the insurance and it depends on how the policy was written.

Actual cash value= they will try to give you $200
Declared value= you can declare any amount, they still will try to give you $200
Agreed value= This is an amount both parties agreed on at the time of the policy writing ( like $10,000 )
Fight them to the end...

 

Search craigslist and such. It is possible to used for sale adds to prove the value of your truck to the ins co. That said the first number they offer you is just an offer, you don't have to take it. It's hard to value these truck so they are guessing some too and will usually try to error on the low side and leave it up to you to prove them wrong.

 

Also, if you have full coverage, sometimes you can sic your insurance company on the other driver's insurance company, and get a better payout - unless you're in a no fault state.

 

Have you seen the truck since the accident?
How bad is it?
If you are hoping to get another one, maybe get a check and keep the truck?


Just a thought.

 

i haven't seen the truck since the accident. altho i do plan on finding, and taking pictures of it as soon as i am able. i didn't really get a good look at it, as i wasn't able to get out of it alone at the accident (door was jammed shut, and with a broken collarbone and some ribs i couldn't really sit up, and wasn't really in a hurry to try to climb out the passenger side), and i didn't really get a chance to look it over once i was out of the truck as they plopped me straight on a gurney and loaded me up for the hospital

all i know is my door was jammed shut and had to be pried open, passenger door was binding also, but was operable, and what i could see of the rear end was pretty bad...

also, after the accident, i was rolling, and hitting the brakes didn't seem to be doing anything, so i threw it in park, which resulted in some interesting sounds, so i may have FUBARed the trans too.

 

Go to the Hagerty insurance web site. They have a valuation tool for vintage vehicles. Your truck may not be included but give it a shot. Good luck.

 

yeah. i think she's dead.

i'm not ashamed to admit i cried and hugged my truck goodbye after taking these pictures.

the dodge SUV to the left in the 2nd pic is what hit me

 

That rear shot is insane! That Durango clearly hit you HARD! Shoved the bed into the cab. Wow. BUT, you're alive!

 

Half that damage would definately total your poor truck.I have seen and worked on hundreds of hard hit accident vehicles in my shop.With some SELECT vehicles an experienced shop can "clip" a complete front/rear end from another donor car or truck and then graft the 2 good pieces together for the repair. Properly done these are safe,excellent repairs;although very involved. Your truck ,unfortunately is beyond even that type of repair. I'm glad you're o.k! gary

 

Praying for you and your husbands speedy recovery, glad you two made it out alive.

Im curious to see what offer the insurance company throws out for truck itself.. regardless, push for more. Also follow what happens to the truck, or where it goes. A friend of mine had a truck totaled which he bought back over 8 months later in an insurance auction. Bought it back for $400, which had a mildly built 460 and rebuilt transmission in it. If you know the history of the truck, you know what its worth.

 

So sorry to hear that. A broken collar bone is imo the worst bone to break. It puts your arm right out of commission and kinda gross moving all around in there !

 

Having a broken collarbone sucks! Lots of nerves around there, lots of pain meds. Shame to see that poor dentside being taken off the road by someone not paying attention. Not gonna lie I’d be lucky if I didn’t go go prison if someone did that to my truck.

 

I'm a trifle late to this discussion, but perhaps my recent experience with a wreck in a bumpside '69 F250 camper special will be instructive. I am the second owner of the documented low mileage truck.

While drunk, my alcoholic neighbor backed his big Dodge truck into MY driveway and caved in the front end of my '69. Grill, outer fender, hood. He had insurance. His insurance final-offered me $1,894 for my pickup, and they took the truck. I laughed at them (through tightly clenched teeth) and turned it over to my insurance company. My company, Farmers, came up with a value of $6K, then after discussion, final value of $13,600 and paid me about $8K. They, in turn, forced the drunk neighbor's insurance company to reimburse them. I fixed it myself. It turned out great.

Here's the rule... go to the NADA vintage car value site and get the high retail value for your truck. Once you have that, it is the insurance company's responsibility to demonstrate why your truck is less than that value. If your truck is as you say, you should be able to argue for a very high percentage of the high retail value on the NADA site. You may have to find actual sales of similar trucks to prove the validity of that number, but stick to your guns and do NOT accept a low ball or even middling offer. And whatever you do, do not tell ANYBODY, "oh, my injuries really aren't that bad or bothering me" because you're trying to put on a brave face to the outside world. Insurance companies are expert at finding people to testify to you making such statements. Remember, they go through this dozens if not hundreds of times daily: they know the angles that you don't. Their people dealing with you are paid to not pay out money. They are not your friend. They have their company's best interests at heart, not yours.

Hope this helps.

 

As a after thought and maybe to late, you should see if you can at least get the FORD letters of the hood as a keep sake. Flat tip screwdriver and they pop right off.

If you can buy it back or get parts after the fact, or can get the heads up on what JY will be its finial resting place. I see a great looking grill shell, insert, headlight bezels, front bumper, bumperetts, park light lens, side mirrors...

Also ck with you DMV but shouldn't the license plates be yours to take and to maybe transfer to another new rig and save you some $ ?

Again, sorry to see your loss.

 

Wishing you and your husband a speedy recovery. Thanksgiving will probably have special significance for you this year, because you are both fortunate to still be alive after that severe crash.

Did your truck still have it's factory bench seat with no headrests? If so, what you both must have experienced in that crash is mind-boggling.

So sorry this has happened to you.

David