Whata Crappy Day **Wrecked My Truck** PICS

[SSC's76]

Originally Posted by Mil-Spec

Yeah I'm OK. Thanks for everyon'e well-wishes.

I missed a call from the other guy's insurance company this afternoon, wanting my side of the story. So I'll give em a call in the morn'n. I'm sure before they called me they call the other guy first. I am a little irritated that the guy at my Ins Co., who sounded disinterested in my situation, told me that because the accident was completely the other guys fault my Ins Co. had ZERO involvement in this situation. This guy wasn't my actaul agent so I'm gonna call back and talk to my agent.

Yeah I really hate the idea of totalling out the truck. My head has been spinning playing out all the possible ways this could play out. I really appreciate everyone's points of view. As for sheet metal at a minimum I'm gonna need: Fender, inner fender, both doors, Lower patch for the quarter, bother rockers and the floor board drop-offs.

Exactly how do they determine the value of the vehicle? I looked a NADA's webiste for classic vehicles and for my Suburban, Low to Average Retail is anywhere between $2500 to $5500. Is this scale or one similar to it not what the Ins Co. will base their estimate off of? Or do they use something with lower figures?

Yep like I said they use autotrader.com not NADA for older cars. They look for a replacement "being sold for currently value" then they low ball you. Your truck looks nice from what I can see IMO it would be on a high end value. Go to the autotrader website find some thing close to your year and condition. Then go back to the ins and say I cannot find a replacement for the total loss under X$. They do not want to pay for a repair so you need to approach this as a replacement then opt to buy it back and have the repair done. Granted there is no hurry on your end your truck still runs so its not a matter of must fix. The reason they do not want to fix your truck is because they dont want to pay for a rental car while the repairs are being done. Just tell them I want to be made whole and I am not going to agree on any offer that will not repair damages caused be your insured to my veh to bring it back to pre accident condition. Play it out for a few weeks, let them leave messages and they will threaten "finial offer" were going to "close the claim" and such but nothing is set in stone until you agree and cash a check. Its sad they play these games but you need to play back.