"vicali" (vicali)
01/19/2016 at 18:01 • Filed to: None
3
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"vicali" (vicali)
01/19/2016 at 18:01 • Filed to: None | 3
| 10 |
A friend of the family ran into some bad luck last snowfall.. I watched him grow up, and his Dad had a sweet 1985 4x4 that got me hooked on Toyota trucks. This was his clean 1987 SR5;
That’s my old bush guard, winch, and lights off of my 86 up front..
Anyways, a couple weeks ago in the fresh snow he was at the back of a four car pile up.. He’s alright but the truck looks like this now;
Doesn’t look like much but because multiple cars were involved ins is involved. He’s not at fault, but they just got the quote back; $3977 - hood, fender, light, grille, bumper.. and that doesn’t include front crossmember/frame repair if it turns out to be damaged.
KBB tops out at $3500, other classifieds in show $1000-4000.. rules changed and written off vehicles go straight to auction.
Doesn’t look good for this little truck.
itschrome
> vicali
01/19/2016 at 18:05 |
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dude that’s rough. my condolences to your friend.
Matt Nichelson
> vicali
01/19/2016 at 18:28 |
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As a claims adjuster, I can tell you most likely it will be a total loss. Usually anything that old will be unfortunately. The only thing I can add is the claims adjuster should go over your friend having the option to retain it. At least that way he can keep it and use the settlement money to go toward repairs.
Toby F., Manager
> vicali
01/19/2016 at 18:30 |
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The sight of this pains me personally, as I am extremely fond of these. My dad owns a ‘90 longbed, lifted, and I grew up to recognize the sound of his truck rolling up to the house when he’d arrive from work. About two years ago however some a-hole stole his catalytic converter one night and hacked up the exhaust; the truck never sounded the same after the repairs. I’ve always had the dream of refreshing dads truck to factory new-ish one day, which leads me to say it’s difficult to find oem quality body panels/parts for these (he also was involved in a fender bender once).
HammerheadFistpunch
> vicali
01/19/2016 at 18:30 |
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It makes me sick to think of that happening to my truck, because the best I could get out of it is $5000 and that kind of money wouldn’t really cover repairs if they were bad.
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vicali
> HammerheadFistpunch
01/19/2016 at 18:56 |
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I used to insure the Westy for Replacement value $15K, agents looked at me crazy for paying extra on an 1986 vw until I showed them GoWesty prices..
Master Cylinder
> HammerheadFistpunch
01/19/2016 at 18:57 |
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Yeah, this kind of thing sucks. I mean, I get the insurance company’s perspective - it’s just an old vehicle, it’s only worth a few grand, it’s not worth repairing. But to us it’s something we’ve had for a long time, or built up with our own hands, or both. You can’t buy that.
When my 944 gets closer to being “done,” I’m going to switch to an agreed-value insurance policy. At least then I’ll get enough to build a new one if I can’t repair the old one.
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HammerheadFistpunch
> vicali
01/19/2016 at 18:57 |
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I wonder if I should talk to them about the value. ITs not like I could reasonable justify 15 grand but with my improvements and repairs it should be worth at least 9
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HammerheadFistpunch
> Master Cylinder
01/19/2016 at 18:58 |
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Sounds like I need to call them so I can replace if needed.
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Master Cylinder
> HammerheadFistpunch
01/19/2016 at 19:08 |
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Yeah, I dunno how much more it costs, but my plans for my car will probably have me into it for about $12K, and the car itself might be worth $7K when it’s all said and done. If the better insurance isn’t too much more, it’d be worth it to me for peace of mind.
BLCKSTRM
> HammerheadFistpunch
01/19/2016 at 19:59 |
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I’m in the same boat with my M3 - already had a close call with getting rear-ended, and they can always find “comps” that are anything but comparable.
How a car with no scheduled maintenance in the last ten years is comparable to an up-to-date (and upgraded) daily driver that passes a track inspection every year is beyond me.
And they seriously look at you like a dog reading a newspaper when you raise the issue. They deal with cars all day every day - how can they not understand this?
Any adjusters reading this? How do comps work on something like a well-maintained and upgraded 1995 (close?) Land Cruiser or E36 M3 where cars regularly sell anywhere from $3k to $10k+?