02-07-2011, 11:11 AM | #1 |
Registered User
Join Date: Oct 2007
Location: rockville, md
Posts: 257
|
My truck took a hit
Bad news this past weekend, my truck took a hit. Now I NEED TO DEAL WITH THE INSURANCE COMPANY ON THIS. Any thoughts on doing this? Also, looks like I need a 8ft bed. It was a hit and run but I found the car and called police. The person was issued 5 tickets and admitted to the accident.
|
02-07-2011, 11:14 AM | #2 |
Registered User
Join Date: Feb 2011
Location: new york
Posts: 88
|
Re: My truck took a hit
Damn that's a shame! What type of covearge did you have?
|
02-07-2011, 11:16 AM | #3 |
Senior Member
Join Date: Dec 2003
Location: Pampa, Texas
Posts: 1,554
|
Re: My truck took a hit
yes what coverage?
__________________
https://www.ebay.com/itm/295742064443 |
02-07-2011, 11:21 AM | #4 |
Registered User
Join Date: Oct 2010
Location: Largo Florida
Posts: 632
|
Re: My truck took a hit
Forget what kind of coverage that you have, get the name of HIS insurance company and milk them till they cry!
__________________
Lifes journey is not to arrive at the gate well preserved, it is to slide in sideways all used up and wore out yelling.....God what'a ride! Where patience fails, force prevails Stapp's Ironical Paradox "The universal aptitude for ineptitude makes any human accomplishment an incredible miracle." |
02-07-2011, 11:29 AM | #5 |
Registered User
Join Date: Feb 2011
Location: new york
Posts: 88
|
Re: My truck took a hit
Problem is, more than likely, it will be a fight. His (the other guy) insurance company views his truck as a rutsed out '72 truck with rakes and shovels in the bed thats worth nothing, an shouldn't be on the road (in thier eyes) and will more than likely fight every step of the way to repair it properly.
Make sure to get your frame and transmission checked out. Make sure the truck still goes down the road straight. Hope it works out for you though! Last edited by BHBurban; 02-07-2011 at 12:14 PM. |
02-07-2011, 11:49 AM | #6 |
Registered User
Join Date: Sep 2001
Location: Fort Wayne, Indiana, USA
Posts: 1,885
|
Re: My truck took a hit
More importantly, does the person that hit you have insurance?? Also, you may have uninsured motorist insurance that would pay for the repairs if the other person was uninsured.
Good Luck! |
02-07-2011, 11:53 AM | #7 |
Registered User
Join Date: Oct 2007
Location: rockville, md
Posts: 257
|
Re: My truck took a hit
He has Progressive, I have Allstate with only min. covrage. I have his insurance information, I'm worry about the amount they will cover.
|
02-07-2011, 12:01 PM | #8 |
Registered User
Join Date: Sep 2001
Location: Fort Wayne, Indiana, USA
Posts: 1,885
|
Re: My truck took a hit
I'll bet there is little fight. Hopefully, you have pics of your truck before the crash. I had a '72 SWB truck that was t-boned when someone ran a stop sign. There was no discussion of value of the truck, their insurance paid $6500 to fix the damage. If I were in your position, I would source the parts needed for the repair and give a body shop the costs of the parts (including any shipping, etc.) and have them include those parts costs on their estimate. They may be somewhat entitled to a mark-up on the parts as well. If you can find good used parts, I would insist on them being used. Believe me, your truck will be much less expensive to repair than most vehicles they could have crashed into.
|
02-07-2011, 12:06 PM | #9 |
1965 Chevy C10, 2005 4.8L/4l60
Join Date: Aug 2004
Location: DFW Texas
Posts: 8,541
|
Re: My truck took a hit
Find at least 3 trucks as good or better than you truck that are as local as you can find, if you have receipts for stuff on your truck that is very good. Have the 3 examples for the other insurance company when they come and look at it, make alot of notes and do not settle on the first offer. If you buy your truck back (if totaled) you realize it will have a salvage title, right?
__________________
Clyde65 Rebuild of Clyde http://67-72chevytrucks.com/vboard/s...84#post8338184 69 Aristocrat Lo Liner build http://67-72chevytrucks.com/vboard/s...84#post7561684 support our troops! |
02-07-2011, 12:08 PM | #10 |
Registered User
Join Date: Sep 2001
Location: Fort Wayne, Indiana, USA
Posts: 1,885
|
Re: My truck took a hit
That reminds me. I would detail the sh***t out of the truck before anyone looks at it. May sound silly to detail a wrecked truck, but I promise it is time well spent!!
|
02-07-2011, 12:11 PM | #11 |
Registered User
Join Date: Jun 2010
Location: Leesburg GA
Posts: 547
|
Re: My truck took a hit
Progressive, Isn't too bad. Get your own estimate, Before they give you there's.
The major companies realize that these are collectors items. And that we as restorers, Will probably make the repairs ourselves. As long as the frame isn't twisted. I had a 72 bug, I was restoring. Had everything but the paint done. Got rearended by a lady. The adjuster, Is the one who told me about there policies on older vehicles. I second this " That reminds me. I would detail the sh***t out of the truck before anyone looks at it. May sound silly to detail a wrecked truck, but I promise it is time well spent!!" Spike
__________________
68 stepside http://67-72chevytrucks.com/vboard/s...0&goto=newpost Last edited by spike38; 02-07-2011 at 12:13 PM. |
02-07-2011, 12:22 PM | #12 |
Senior Member
Join Date: Feb 2001
Location: New Madison, Ohio
Posts: 21,365
|
Re: My truck took a hit
a) Don't be afraid to be firm on your trucks value. They might try to low ball you.
b) Also I believe...you can select where you want to get your truck repaired. c) Agreed-get quotes on all the stuff that you will need to buy. If you let the body shop buy the parts they may get inferior parts so be involved as to where they get their repair parts. d) Take plenty of pics of your damage. e) Get pictures of trucks comparable to your's to establish its value. I am sure I have forgotten some things... Good Luck
__________________
A husband can be right...or...A husband can be happy. 67-72 Chevy and GMC Trucks...The Classic Truck for the Classic Folk. 1970 CST Two tone green, 402BB, 400 Automatic, Tach, Buckets, AC, AM-FM, Tilt, GM CB, GM 8 Tract, LWB, etc JOHN 17:3...The better side of "LIFE" Remember: Everyday is a good day...Some are just gooder! Last edited by 70cst; 02-07-2011 at 12:23 PM. |
02-07-2011, 01:28 PM | #13 |
Registered User
Join Date: Mar 2008
Location: Salt Lake City UT
Posts: 441
|
Re: My truck took a hit
Just thinking....now may be the time to make it a SWB.
|
02-07-2011, 03:49 PM | #14 |
Registered User
Join Date: Oct 2010
Location: everett washington
Posts: 382
|
Re: My truck took a hit
if you have a location whare the truck can be inside and behind a locked door put it there so the adjuster has to contact you before they look at the truck since alot of them don't even talk to the owner while they inspect the truckor after for thet matter when they have free access.
I agree do a compleate detail to the point of anal retentive before they inspect it to maximize the value
__________________
a wise man once said "There are only two real rules to life... 1 - Don't sweat the small stuff 2 - Everything is small stuff |
02-07-2011, 05:49 PM | #15 | |
Registered User
Join Date: Jan 2011
Location: Vacaville, Cali
Posts: 26
|
Re: My truck took a hit
Quote:
I was going to write this same thing... but its already written. word for word...do this! |
|
02-07-2011, 06:22 PM | #16 |
I am a Referee of life.
Join Date: Jun 2000
Location: Greensboro N.C.
Posts: 13,993
|
Re: My truck took a hit
Might even be worthwhile to get a classic car apraiser to give you a quote on the pre-accident value also.
__________________
The 47-present Chevrolet and GMC Truck Message Board Network,it's owners,moderators,members,and associates of any type should not be held responsible for my opinion. You can't fix stupid,not even with duct tape. "My appearance is due to the fact that "GOD" does punish you for having too much fun!" Barrett-Jackson has perfected alchemy,they make rust into gold! "You can lead a horse to water but you can't saddle a duck" "Cleverly disguised as a 'Responsible Adult' "Sometimes your Knight in shining armor is just a retard in tinfoil" |
02-07-2011, 07:01 PM | #17 |
Registered User
Join Date: Mar 2010
Location: a t w a t e r cali 95301
Posts: 10,713
|
Re: My truck took a hit
why detail it????
|
02-07-2011, 07:08 PM | #18 |
Junior Member
Join Date: Mar 2007
Location: DAYTON
Posts: 505
|
Re: My truck took a hit
So they cant say ts a dirty rusted POS. Make it look as nice as possible
__________________
frontstreetcycle on Instagram |
02-07-2011, 07:13 PM | #19 |
Grandpa in the rustmobile...
Join Date: Nov 2008
Location: Spokane WA/Viola TN
Posts: 11,422
|
Re: My truck took a hit
I went thru this too about a year ago.
Get some pictures of it (beforeduringafter), with all your receipts etc in a bag to hand adjuster. Dont settle for the 1st number they throw. I was offered the full amount I had in receipts+what I paid for truck. Took awhile though. Dont start tearing it apart till they come look pay you. I was T boned and only thing that was damaged was carrier bearing/bedside. I was treated good and the adj. said it was a 20ft truck
__________________
John Goose-1968 C10 355,9.32-1CR, Vortec Heads ,262 voodoo, 3.73:1 3OTT (HS ride/beater/farm truck) http://67-72chevytrucks.com/vboard/s...d.php?t=317684 Grams 53-1953 Chevrolet Belair http://67-72chevytrucks.com/vboard/s...=1#post4327784 1969 Chevy C10 Shortbed 4.5/6?" Frame off resto http://67-72chevytrucks.com/vboard/s...d.php?t=548136 1999 Toyota Tacoma 4x4 |
02-07-2011, 08:50 PM | #20 |
Registered User
Join Date: Oct 2007
Location: rockville, md
Posts: 257
|
Re: My truck took a hit
is the receipts to show the full value of the truck? Most of my receipts are for the front end parts , interior and motor, not for the bed, although i did have a new tailgate.
Last edited by tjvending; 02-07-2011 at 08:50 PM. |
02-07-2011, 09:29 PM | #21 |
Registered User
Join Date: Oct 2008
Location: Marianna Arkansas
Posts: 7,269
|
Re: My truck took a hit
It is true you can get whatever shop you want to repair the truck but they may not pay the amount that shop request to repair. The insurance co. will write their own estimate and will stick to that. Now , if you have an estimate that is quite different than theirs they will look and probably"adjust" the figures. That is where the term adjuster comes from. My advice is pretty simple measure the wheelbase on both sides and do a finger check between the cab and bed. That means stick fingers in the gap on both side to see if they are close to the same. top and bottom gap differences however mean the frame may be"down" in the center. From the looks of the pics I would say your most likely good on the frame cause it don't look hit that hard. I think that it should still run down the road nice and stright. Sorry for your problems hate that nice truck got creamed glad you were'nt hurt and for the most part insurance adjusters are fair and want you to be satisfied. Now I am NOT a n adjuster or work for a insurance co. but, I do have a body shop and used to do insurance work. I have turn most insurance work down for about 20 years just so I could build wrecks and restore older cars and trucks. Jim
|
02-07-2011, 09:53 PM | #22 |
Senior Member
Join Date: Nov 2003
Location: Brookings, SD
Posts: 10,497
|
Re: My truck took a hit
That's a nasty hit. What does the other car look like?
__________________
Some people are like slinkies, they aren't good for anything, but you can't help but smile when you see one tumble down the stairs. |
02-07-2011, 10:02 PM | #23 |
Registered User
Join Date: Jul 2010
Location: Vista Ca.
Posts: 2,405
|
Re: My truck took a hit
Sorry to hear about the hit. Do not let either ins. co push you around, it is your vehicle and you have rights. Your vehicle should be repaired to "pre accident condition". We just fixed a vehicle that the ins co wanted to total but the owner wanted to save, after talking to the adjuster we were able to make everybody happy and the owner paid a little extra to fix some rust. You also have the right to have your vehicle repaired at the facility of your choice [we are not even a body shop, but the guy is a long time customer]. I second the detail and secured vehicle so the adjuster has to see you to gain access to the vehicle, if the vehicle is parked on the street or parking lot the adj. can do his thing without ever talking to you. If you have a regular shop you take the truck to or a friend with an automotive shop of any kind I would recommend TOWING it there and let the adj. look at it there.
|
02-07-2011, 10:32 PM | #24 |
Registered User
Join Date: Oct 2007
Location: Valley Springs, Ca
Posts: 857
|
Re: My truck took a hit
sorry to hear about the hit, hope all gets settled where you are happy. and yes I agree with cheyenne shortstep If you are able to put the truck in your garage or in a shop some place. do not let an adjuster look at it with out you being there. and everyone has given some great advise for sure. I would also Detail it too.
__________________
My Build Thread http://67-72chevytrucks.com/vboard/s...d.php?t=442487 My Picture Gallery http://67-72chevytrucks.com/gallery/...0&ppuser=36004 |
02-07-2011, 10:39 PM | #25 |
Registered User
Join Date: Dec 2008
Location: richmond, MO
Posts: 794
|
Re: My truck took a hit
you need a quick appraisal at say 20,000 or so dont let them get you thats what we pay this over rated crap for
|
Bookmarks |
|
|