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17? even with low miles they will total. looks like most panels are hurt, air bags and a repaint...…..
I would definitely find out the buy back price if totaled, I wouldn't think frame issues.
let us know.
Agreed. I doubt the frame is bent but everything else is. All the body panels, airbags, might've bent some suspension parts or the axle tubes with the hit to the curb (doubt it, but it's possible), labor and paint... Going to be damn close to totalling it if it's not.
Although, I will say, when we hit the deer in the wife's Xterra it took the front end off, wrapped the radiator around the engine, broke some welds on the body, etc. and Insurance gave her the choice whether to total it or fix it. It's was right on the limit. She said fix it. Long story, but it worked out in the end when she traded it in for $3000 more than she owed and probably $5000 more than it was worth in reality. Took a long time and 3 visits to Nissan and the body shop to get it right but the insurance kept paying the bills... Until they dropped us.
Same thing happened to me in October. Driver crossed into my lane, hit my back and and sent me into a wall. It was also a Jeep driver! Glad you're ok, truck does look totaled though...
The other day I get hit by this driver that swerved across 3 lanes and slammed into the the righthand side. Makes the truck spin and as I got to the curb the truck rolls over and then I get hit a second time by the same driver. All side curtain airbags deployed, glad they are part of our safety features. A lot more damage shows in other pics I have.Going to have frame checked too. First spot hit From rolling onto side Final damage spot
Waiting for the insurance to see if they will total it. If they do, then the search starts for another F350.
Here in Mass 70% is the number when they call it totaled. I have talked with my agent before about diminished value, she said it doesn't exist. We have a great 40 year relationship and she is all for me and my small business and nothing else.
Airbags go off all the time I wouldn't think that automatically means total. I would never accept a fix with that much involved. It's impossible to know everything affected.
Here in Mass 70% is the number when they call it totaled. I have talked with my agent before about diminished value, she said it doesn't exist. We have a great 40 year relationship and she is all for me and my small business and nothing else.
Airbags go off all the time I wouldn't think that automatically means total. I would never accept a fix with that much involved. It's impossible to know everything affected.
Your agent likely misspoke or misremembered. Now, if your agent would have said, there is no DV in Massachusetts", then your agent would be spot on. However, other states have upheld DV as appropriate. See link below.. Additionally, there is no 70% rule. That is a myth unless your policy specifically states as much (which is highly unlikely). There is a formula. It has to do with 1) the value of your vehicle 2) the cost of the repairs including rental car while it's down if so applicable 3) hidden/unknown broken components (this is a multiplier of the repair cost like an added 10%) and 4) the value of the salvaged vehicle at auction.
So, if the payout for your car is $30k to fix it all in, but by totaling the vehicle, they can drop that to $27k, what do you think happens. Sorry sir, your vehicle is totaled.
Your agent likely misspoke or misremembered. Now, if your agent would have said, there is no DV in Massachusetts", then your agent would be spot on. However, other states have upheld DV as appropriate. See link below.. Additionally, there is no 70% rule. That is a myth unless your policy specifically states as much (which is highly unlikely). There is a formula. It has to do with 1) the value of your vehicle 2) the cost of the repairs including rental car while it's down if so applicable 3) hidden/unknown broken components (this is a multiplier of the repair cost like an added 10%) and 4) the value of the salvaged vehicle at auction.
So, if the payout for your car is $30k to fix it all in, but by totaling the vehicle, they can drop that to $27k, what do you think happens. Sorry sir, your vehicle is totaled.
Edited: I stand partially corrected. Some states do have a total loss threshold. However, Massachusetts is not one of them.
I am going to agree. It has been my experience 70% is the line, I wouldn't view it as a rule either.
I would think they have to have % point or line to use. I would think the government would not have anything to do with that also.
There is an unknown variable from the body shops also. The body shop I use takes the insurance companies to court often. The appraisers are not allowed in w/o an appointment and you sign papers giving him (Tom) the right to be your rep. I imagine he makes better money than someone who is not as savy as him, but he is all for his customer. So when the appraiser says an amount, it is often added on to, to do it right. I can't do that (haggle with the company) he does this all the time. Point being insurance knows who's who in the body shop industry and their appraisers price can absolutely go up a lot. A rental for 3 weeks or two months is also sizable. Tom has rentals for his customers also.
I wouldn't say my agent misspoke or didn't remember. We both live locally in Mass and I only deal with Mass, so she was answering my question or our talk with only mass regs.
I'm glad that all got cleared up. I'm done typing.
I am going to agree. It has been my experience 70% is the line, I wouldn't view it as a rule either.
I would think they have to have % point or line to use. I would think the government would not have anything to do with that also.
There is an unknown variable from the body shops also. The body shop I use takes the insurance companies to court often. The appraisers are not allowed in w/o an appointment and you sign papers giving him (Tom) the right to be your rep. I imagine he makes better money than someone who is not as savy as him, but he is all for his customer. So when the appraiser says an amount, it is often added on to, to do it right. I can't do that (haggle with the company) he does this all the time. Point being insurance knows who's who in the body shop industry and their appraisers price can absolutely go up a lot. A rental for 3 weeks or two months is also sizable. Tom has rentals for his customers also.
I wouldn't say my agent misspoke or didn't remember. We both live locally in Mass and I only deal with Mass, so she was answering my question or our talk with only pertinent information, and not global information.
I'm glad that all got cleared up. I'm done typing.
Makes sense. Hoping neither of us have to find out with our trucks. Cheers
The other day I get hit by this driver that swerved across 3 lanes and slammed into the the righthand side. Makes the truck spin and as I got to the curb the truck rolls over and then I get hit a second time by the same driver. All side curtain airbags deployed, glad they are part of our safety features. A lot more damage shows in other pics I have.Going to have frame checked too. First spot hit From rolling onto side Final damage spot
Waiting for the insurance to see if they will total it. If they do, then the search starts for another F350.
That's why myself and no one in my family drives a small compact toilet paper roll down the street. I'll pay $10K more for gas in my life to have them safe, driving around. I have no choice but to drive a truck.
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