I hit a deer

[Hammond68]

Hit a deer 7 weeks ago. State Farm totaled it. Cost for shop repair was 6,900. Cost of parts about 3,300. Still hashing out a price. They offered 3,300. Of that they'll minus my 500 deductible, charge me 1,200 to keep my truck. That would leave me a check for 1,600.
Out of 20-25 calls I've never spoken to the same person twice. You deal with their ''team''. I hired an independent appraiser. They valued it at 10,700. State Farm started at 8,000 and then whittled it down from there. They got a price for a daily driver in poor condition, then tried to deduct down from there for it being in poor condition, lol.
I used the appraisal clause so now it's up to the insurance appraiser and mine to come to an agreement. If not it goes to an umpire.
Good news is I found a 1971 short bed for 2,200. Mine was a 72 long bed. The short bed has leaf springs, posi track rear end,sliding back glass,must have been special ordered,it's a Chevrolet c10,spid shows the options.No factory ac but it is a Cheyenne. It's in better condition than my 72. A little roof rust inside,rockers and cab corners need replaced but they aren't in horrible shape.
I'll put my 383 in it,my buddy buckets, the 700r4 tranny,ect.

[special-K]

The story started sounding better near the end. Sounds like your truck can live on joining up with another truck... and you end up with a short bed Cheyenne

[best view]

I had the same think happen to me tried to work with them my self wanted to give me 2500.00 got a lawyer and she got me 8000.00 with 1 call I’d get a lawyer

[irl104]

State Farm Insurance is your problem. They used to be a great company. Not at all now.

[57taskforce]

Gosh I’m glad I’ve got Hagerty and a guaranteed 10K if something like this happens. That sounds like a real nightmare.

[Hammond68]

Best view: my appraiser asked if I'd be happy with 8,000. I should have a number around Wednesday.

Special-k: I hate to see a clean title going to a salvage title over sheet metal,radiator and grill.

Irl104: State Farm is not a good neighbor. They give millions per year to politicians but don't want to pay a customer for a claim.

57taskforce: my next policy will have an agreed upon value. Is 10,000 enough for you? It doesn't take long to get a bunch of money tied up in a truck.

[57taskforce]

Originally Posted by Hammond68

Best view: my appraiser asked if I'd be happy with 8,000. I should have a number around Wednesday.

Special-k: I hate to see a clean title going to a salvage title over sheet metal,radiator and grill.

Irl104: State Farm is not a good neighbor. They give millions per year to politicians but don't want to pay a customer for a claim.

57taskforce: my next policy will have an agreed upon value. Is 10,000 enough for you? It doesn't take long to get a bunch of money tied up in a truck.

I agree with Tim. Shame to see it go to a salvage title over panels that can be replaced. Unfortunately the same happened to my truck at some point in time. The bed got shoved up into the cab, only minor cab damage but an insurance company totaled it. I don’t really care because I don’t plan to sell it. If I do I will get what I want for it or it won’t leave the driveway. It’s paid for, I’t don’t cost me a dime to keep in the driveway.


Mine is still very much a Jolopy. As I do more too it I up the agreed value more as I go. Once the next phase of my build is done I’ll easily add 5K.

[72c20customcamper]

Hard dealing with regular insurance on an old vehicle. They can play hardball and hold it up for months . Sounds like you found another one but I wouldn't be posting it's in better shape and it's less than what the insurance offered for yours. Just me but I'm a little paranoid

Nice thing about NY no salvage title on a pre 73 vehicle since there's no title guess it would be on car fax it was involved in an accident

[best view]

They also did it to me on my 1998 had 145 thousand on it there driver hit me head on .but not a mile from my warehouse and the cops had it towed but it was my landlord who towed and was charging them storage till I signed off problem for them I have 3 others so I told them just get me the same truck not taking your low ball I was in no hurry land lord stored on my lot and giving me all the money it was so much fun being in charge they gave up and gave me what I wanted plus a month of storage the conversation I had with them was awsome

[Hammond68]

72c20: the body is in better condition. It has a non-running 305 in it and a bad transmission. Who knows what else I will find wrong. Fortunately I'll have all the parts needed,but it will still be a boatload of work. From new grease in the rear end forward. Engine and transmission swap. It's a long way from being a daily driver.

[RustyBucket]

After the loss of your truck and a long drawn out fight over money you still are faced with the time & effort to build the other truck. Crappy deal, sorry.
Reminded me that I had a much better experience with S. Farm last year. My Son with his girlfriend driving totaled my '08 CRV. Not her fault, another driver lost control in a rainstorm on I-95. Injured both, not badly. Wreck on Sat. night, I called S. Farm on Sunday morning & picked up a check from my agent's office on Tue. They paid retail book value on my average condition 160,000mi. Honda ... I was kinda surprised but satisfied. My per. injury coverage picked up hospital bill for Son & girlfriend. I added $3000 to the $8000 they'd paid & bought a clean '14 CRV w/100,000mi. on Friday... same week! Seemed like they were anxious to please.
I have agreed value on the Blazer & GMC with Heacock Classic, no claims & I want to keep it that way.

[Hammond68]

Rustybucket, I'd say they settled quickly due to the chance of injuries snowballing over the following week after the accident. Don't worry, they were thinking of themselves. Not all injuries are known for a few days after an accident. So in reality they would have screwed your son and his girlfriend. They would have been responsible for any medical bills after the settlement.

[BigBird05]

not State Farm, but I had a minor back injury from being rear ended. Every time I put off the adjuster he would add more money to the settlement.

[72c20customcamper]

Originally Posted by Hammond68

72c20: the body is in better condition. It has a non-running 305 in it and a bad transmission. Who knows what else I will find wrong. Fortunately I'll have all the parts needed,but it will still be a boatload of work. From new grease in the rear end forward. Engine and transmission swap. It's a long way from being a daily driver.

K that clears it up .

[72c20customcamper]

Originally Posted by Hammond68

Rustybucket, I'd say they settled quickly due to the chance of injuries snowballing over the following week after the accident. Don't worry, they were thinking of themselves. Not all injuries are known for a few days after an accident. So in reality they would have screwed your son and his girlfriend. They would have been responsible for any medical bills after the settlement.

Bodily injury stays open till well after an accident . Sometime up to a year and if proven after that the injury is from the accident can be opened years later.

[Ol Blue K20]

We need pics of both trucks....you know we love pics....

[Hammond68]

Trying to post a picture

[Hammond68]

Pic

[Hammond68]

Radiator and clutch fan hit.

[71cadc10]

wow, the windshield popped out too from the deer hit?

[Warrens69GMC]

Call up this guy

https://www.facebook.com/groups/1496...00003747193561

[57taskforce]

That sure looks fixable to me. How’s the front frame horns?

[Ol Blue K20]

Doesn't look to bad me, I hate insurance companies. Thanks for the pic

[Hammond68]

Man am I a happy camper. Frank at totallossdispute got me 9,550. They also pay taxes at a low 5 percent which puts me above 10,000. This appraiser I hired is great. I would give him 6 stars out of 5. If you ever get low balled by an insurance company this is the man to turn to.
No receipts required. The insurance company had me gathering them,major headache. He said he's been doing this since 1981. The $275 I paid for the appraisal and another $125 for his representation with the insurance companies appraiser is the best money I have ever spent in my life and I'm 52.
Tell your friends, family neighbors and dog about this guy. I'm Still in awe as he just called me with the number. Much better than the 3365 the insurance company offered me.

[weq92f]

.
Great resolution! The ins company was up to no good as per usual and this proves it!

Once this claim is done, consider using grundy or hagerty in future to avoid trouble!

-klb