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Old 06-30-2021, 12:18 AM   #11
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The insurance representative is likely going to try to tell you that repairs are going to cost more than the old truck is worth.

Don't fall for that one. It's the representative's job to save the insurance company money.

Just tell them that if they don't want to fix it, simply replace it with a truck in as good or better condition. That usually shuts them up, and they will pay out.

Also, do not replace the doors and fender (or do any work to it) until the adjuster has written everything down, or you won't get paid for it.
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Old 06-30-2021, 02:01 AM   #12
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well damn I just got done putting a door on it BUT we did take a shit ton of pictures before



I only have liability on the truck so Im out of pocket anyways. I got a door today tomorrow a fender lol


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Old 06-30-2021, 03:23 AM   #13
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Great job.

The adjuster will not take into account any photos that you provide, though. You may have just saved the insurance company a thousand dollars.

As it is now, you won't even be able to get them to paint your door.
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Old 06-30-2021, 04:11 AM   #14
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To be honest, Im not bothered by it. Live and learn. Ive been accident free since I was 17 (Ill be 30 next month) so I really wasn't positive on how that all worked. Ive never had to deal with the insurance company other than pay them money or switch to another vehicle. so I know better next time (hopefully theres not another next time) and I only had liability on the truck. I didnt even think they would pay for the damages unless I got out holding my neck and/or pooped my pants haha (I had to chuckle to myself on that one) door was only 50 bucks and I can shut my door again. All is good. smashed this morning back on the road this afternoon
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Old 06-30-2021, 04:19 AM   #15
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But I truly want to thank yall for the responses and replies! especially on such short notice. Yall came in to the rescue. I really thought my truck was gone this time but no. A trip to the junk yard and like an hour of work and its better than before the original door sucked to begin with lol thank yall! You guys get a beer from me!
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Old 06-30-2021, 04:01 PM   #16
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Quote:
Originally Posted by horse View Post
I only had liability on the truck.
It might be different in every state but in order to have your insurance company pay for the repairs you would need to have comprehensive and collision, (full coverage) not just liability.

If you did have full coverage, they would determine the cost of the repairs, subtract your deductible and then pay you the difference. In your case, they probably would have totaled your truck because the repairs exceeded the value.

Since it was the other guys fault, you could sue them in court to try and collect what they owe you. Even if you won the case, collecting the money will be next to impossible.

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Old 06-30-2021, 05:12 PM   #17
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Quote:
Originally Posted by horse View Post
...the original door sucked to begin with lol thank yall! You guys get a beer from me!
Looks like you need to find a drivers seat also... current one looks sux'y!
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Old 06-30-2021, 05:25 PM   #18
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Quote:
Originally Posted by VOTS95 View Post
It might be different in every state but in order to have your insurance company pay for the repairs you would need to have comprehensive and collision, (full coverage) not just liability.

If you did have full coverage, they would determine the cost of the repairs, subtract your deductible and then pay you the difference. In your case, they probably would have totaled your truck because the repairs exceeded the value.

Since it was the other guys fault, you could sue them in court to try and collect what they owe you. Even if you won the case, collecting the money will be next to impossible.

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Also why it's super important to carry uninsured motorist coverage. Uninsured drivers are almost always not collectible.
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Old 06-30-2021, 06:13 PM   #19
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I have the cheapest most basic you can get. A few years ago I slid into someone at a stop light because of extra icy snowy conditions. Only dinged my rear fender and broke the tail light but exploded the other person's brand new car. It covered everything for the other vehicle. My insurance didn't go up and I maintain an accident free record somehow because I blamed natural phenomenon, they did however audit me and raise my price a little for other stupid reasons. Only cost me a new set of tail lights, and I kept the ding in the side. It adds character to my truck.
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Old 06-30-2021, 06:26 PM   #20
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Twice my parents were hit by uninsured motorists. Both instances they were screwed. One instance, the deductible was higher than having some independent guy fix it, and the other time the woman disappeared off the face of the planet.
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