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Had an accident a year ago, now problems with vehicle

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Had an accident a year ago, now problems with vehicle

Old 02-09-2009, 02:36 PM
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Default Had an accident a year ago, now problems with vehicle

My truck left the road last winter due to the icy conditions and I ended up moving the entire passenger wheel back 3" when I hit a large rock.

The insurance company fixed it, which included all new parts on the passenger side, right down to the rim. The frame was also "tweaked" so they straightened that out.

Now, just about 1 year to the day later, the carrier bearings in my front differential axle are shot on the passenger side, which took the hit a year ago.

How do I go about getting the insurance company to fix this? My mechanic warned me at the time that any type of damage to the front axle wouldnt show for awhile.

The truck is a 2000 GMC Sierra 4x4.

Thanks for any input here.
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Old 02-09-2009, 02:44 PM
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Default Re: Had an accident a year ago, now problems with vehicle

chances are slim that it will be covered. How many miles are on the vehicle? I would suspect this is more a wear issue than related to dammage. If a bearing had been hit hard enough to cause it to fail, this would have shown early on, just because of the increased heat. While other axle damage may time "some time" to show, if you drive the vehicle at all it will be evident pretty quick. The lifespan of any moving part that is out of it's tollerance spec is very short lived.

Edit: after re-reading your post I caught the all new parts thing. In this case, your only recourse is going to be with the front carrier/bearing manufacturer/supplier. The insurance company may possibly be able to help you with records of parts purchases, and things like that, however they are not typically in th business of placing warranty coverage on replacement parts.
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Old 02-09-2009, 02:45 PM
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Default Re: Had an accident a year ago, now problems with vehicle

Call your agent and tell them you want to file a supplemental claim. Get the adjuster/appraiser directly in touch with the mechanic and have him explain exactly why he thinks this is arising out of the accident. Might be a long shot but it's sure worth a try. If they do agree to help with it your deductible has already been satisfied and it still only counts as one claim.
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Old 02-09-2009, 02:52 PM
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Default RE: Had an accident a year ago, now problems with vehicle

Johnshan - 2/9/2009 5:36 PM

My truck left the road last winter due to the icy conditions and I ended up moving the entire passenger wheel back 3" when I hit a large rock.

The insurance company fixed it, which included all new parts on the passenger side, right down to the rim. The frame was also "tweaked" so they straightened that out.

Now, just about 1 year to the day later, the carrier bearings in my front differential axle are shot on the passenger side, which took the hit a year ago.

How do I go about getting the insurance company to fix this? My mechanic warned me at the time that any type of damage to the front axle wouldnt show for awhile.

The truck is a 2000 GMC Sierra 4x4.

Thanks for any input here.

Pull out you repair invoice from the shop, look for the bearing/hub replacement.

Pull out your insurance estimate (including any and all supplements), look for the bearing/hub replacement.

Ask the shop if they requested the bearing be replaced.

If the shop requested it and it was denied, call your insurance company and complain. (look at the warranty and was this repair shop you used, one "suggested" by the insurance company?)



I fight with almost every insurance company for bearing/hub/axle shaft replacement when a rim has been bent, knuckle bent, lower control arm bent, etc etc. They too often deny the bearing/hub replacement. In that case I document it in my file, and on the repair invoice given to the customer. I explain what may happen upon bearing failure, examples are overheating of the hub/bearing and wheel/tire separation from the subject vehicle....which may then fly across the highway and kill a family of 6 on vacation. And when a one of the four wheels separates from the subject vehicle...that vehicle may crash also.


LOOK for the repair line, was it done?


If you'd like you could fax me the invoice...I can tell you what was done and what was not done correctly. PM me for a fax #.







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Old 02-09-2009, 03:11 PM
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Default Re: Had an accident a year ago, now problems with vehicle

Thanks guys. The wheel hub was replaced. That seems just fine. Its the front diff carrier bearing that is now bad, the bearing that the CV shaft rides on when it enters the front axle.
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Old 02-10-2009, 07:20 AM
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Default Re: Had an accident a year ago, now problems with vehicle

Here is the rub:
You will have the burden of proof. If you can show the ins company the damage is a result of the incident, they will pay. If possible, go to a shop you know(or possibly the one that did the work) and if they can help prove the damage is from the incident, the ins will pay.

Good luck, the chips are on the ins co side. (some ins are easier to deal with than others).
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Old 02-10-2009, 09:19 AM
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Default Re: Had an accident a year ago, now problems with vehicle

I agree with Ludi-

You have the grounds for a supplement. Especially in a 4 X 4 truck. We always try to do the whole diff if there is hum bearing damage as the axle tube is (live axle) or center diff (IFS) is always taking the shot through the axle. Note: This will not play if it was 20K miles ago probably. I have a car in my Collision Center right now with a similar circumstance.
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Old 02-10-2009, 09:46 AM
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Thanks. It was 15,000 miles ago, not sure I will even try the insurance company route, pretty bummed out about this whole deal, feels like I got shafted.
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Old 02-10-2009, 02:35 PM
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Default Re: Had an accident a year ago, now problems with vehicle

Johnshan - 2/10/2009 7:46 AM Thanks. It was 15,000 miles ago, not sure I will even try the insurance company route, pretty bummed out about this whole deal, feels like I got shafted.
You need to make sure that there isnt something bent causing that issue. I.E. the right side output shaft where the axle attaches, or the cradle carrying the diff. You may have something bent that was missed.. It seems odd that the carrier bearings would fail.
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Old 02-10-2009, 04:06 PM
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Default Re: Had an accident a year ago, now problems with vehicle

Johnshan - 2/10/2009 9:46 AM

Thanks. It was 15,000 miles ago, not sure I will even try the insurance company route, pretty bummed out about this whole deal, feels like I got shafted.
Its worth a try, some Insurance company's advertise they
will warranty the parts and labour of the claim job as long as you own the vehicle.

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Old 02-10-2009, 04:20 PM
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Default Re: Had an accident a year ago, now problems with vehicle

fidhhook54 - 2/10/2009 7:06 PM

Johnshan - 2/10/2009 9:46 AM

Thanks. It was 15,000 miles ago, not sure I will even try the insurance company route, pretty bummed out about this whole deal, feels like I got shafted.
Its worth a try some Insurance company's advertise they
will warranty the parts and labour of the claim job as long as you own the vehicle.
IF you take it to "their preferred shop" (DRP...direct repair program), in which case the insurance company makes the shop warranty the repair. By the way...most collision repair shops warranty their work for life....the parts are warrantied by the parts manufacture, the paint by the paint manufacture, etc, etc. Most insurance companies "steer" you toward their DRP shops, and most people fall for it. Put it this way...if something goes wrong...the insurance company will usually throw the repair shop under the bus.


There's more to the story but nobody ever listens to it. You pick the shop...your insurance company pays (or should pay) the prevailing area labor rates. It would take hours to explain the mess. Better yet...go work at a collision shop for a few years. And when you think you've seen it all...












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