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I hate dealing with insurance companies. Wrecked 19 Ram

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I hate dealing with insurance companies. Wrecked 19 Ram

Old 11-18-2019, 12:58 PM
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Default I hate dealing with insurance companies. Wrecked 19 Ram



Old 11-18-2019, 01:01 PM
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Damn! I assume you bought it new?
Old 11-18-2019, 01:02 PM
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It'll buff out.....
Old 11-18-2019, 01:06 PM
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Somehow, the story didnt post. Anyway, just bought the truck, it was 6 weeks old This happened about 2 weeks ago now. Long story short, I was approaching an intersection with 2 cars sitting at stop sign . As I entered, one of the cars decided to cross in front of me. I tboned him. He was obviously found at fault and was issued a citation. Fast forward. I decided to deal directly with his insurance since they took responsibility. Got a call last week that they decided to total the truck which surprised me. I was glad to hear it because I was dreading the expensive brand new piece of crap. Keep in mind, msrp of 62k. I put a lot of cash down on the truck . I need roughly 52k to be made whole. Adjuster calls me and offers 45k plus a grand for taxes. Told him that wouldnt work but he was insistent that that is the value of the truck. I cant buy that same truck now for 45k which is what hes trying to say. Smdh. Called the insurance commissioner so we will see if that accomplishes anythin . Even my agent said that wasnt enoug . May have to file thru my insurance and let them battle it out
Old 11-18-2019, 01:14 PM
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Originally Posted by vettnman View Post
Somehow, the story didnt post. Anyway, just bought the truck, it was 6 weeks old This happened about 2 weeks ago now. Long story short, I was approaching an intersection with 2 cars sitting at stop sign . As I entered, one of the cars decided to cross in front of me. I tboned him. He was obviously found at fault and was issued a citation. Fast forward. I decided to deal directly with his insurance since they took responsibility. Got a call last week that they decided to total the truck which surprised me. I was glad to hear it because I was dreading the expensive brand new piece of crap. Keep in mind, msrp of 62k. I put a lot of cash down on the truck . I need roughly 52k to be made whole. Adjuster calls me and offers 45k plus a grand for taxes. Told him that wouldnt work but he was insistent that that is the value of the truck. I cant buy that same truck now for 45k which is what hes trying to say. Smdh. Called the insurance commissioner so we will see if that accomplishes anythin . Even my agent said that wasnt enoug . May have to file thru my insurance and let them battle it out
Your last sentence tells you what you need to do, especially if the other driver was cited.
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Old 11-18-2019, 01:15 PM
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Assuming you like the truck, I would get a copy of your invoice from that one, and send it to them. Tell them you will take that + taxes minus $500 for 4 weeks of ownership, and that they have 24 hours and your neck might be hurting.
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Old 11-18-2019, 01:50 PM
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you can absolutely negotiate the amount, they try this shit with everyone
If not there are services that fight on your behalf and just like an attorney take a percentage of the money they get for you

otherwise call your company and let them deal with it, if you are lucky you might even have a policy that basically pays you in full due to the truck being so new
I had a similar situation last spring where a guy ran a light and totaled my car out. I dealt strictly with my own insurance company, had to have the appraiser come back 3 times to fight it out over the condition of the car. They finally paid me what I thought was reasonable. Got my renewal few months later and had no increase being that I was found to be 100% NOT at fault.
I just got another renewal in October and still no increase.
Old 11-18-2019, 02:00 PM
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I’ve been dealing with a Florida based ins co since August same basic scenario. Finally gave the specifics to BBB. Looks like now the ins co may be responding.
Old 11-18-2019, 02:05 PM
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Surprised that is a total. Suspension and frame damaged? Would not have guessed that was over 50% of ACV.

Print off some comps from dealers for sale and send to the adjuster. Copy his boss. Tell him to find a comp for what they offered you..

My local dealer has a comp for sale, LTD with 4500 miles for $49K plus dealer fees. So say $50K.

You can probably get that truck new for $52K now.
Old 11-18-2019, 02:09 PM
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That’s totaled? Any half ass decent body shop should be able to turn that around in a couple weeks.
Old 11-18-2019, 02:15 PM
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Originally Posted by alwhite00 View Post
Thatís totaled? Any half ass decent body shop should be able to turn that around in a couple weeks.
Everything from the windshield forward. I'm sure the frame is bent. Driver side fender is actually behind the drivers door. I figured 20k damages although who knows. Headlights nowadays run anywhere from 1k to 4k. By the time you add estimate 6k in rental fees and another 5-7k in depreciation, you're over the 50% which is what they're saying. I'm actually glad its totaled, but they need to find another 5k.
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Old 11-18-2019, 02:28 PM
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Now that I look at it, Hood, door, fender, suspension control arms, axle (maybe damaged front diff,) cross member, grill, headlight, fog light, bumper, sensors, sensor resets, camera reset, paint work, rental, etc, etc. $$$$
Sorry man. My '19 doesn't have a door ding yet with 9k miles.
Old 11-18-2019, 02:31 PM
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Minor neck injury will get you 15 - 25 thousand after a few treatments and therapies.
Old 11-18-2019, 02:58 PM
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Back in 03 I had a brand new GMC 1500. It was about 6 mo old and we had an ice storm and GF flipped it end over end. Smashed every panel, crushed A pillars, blew out tires, etc. It looked way worse. We thought it would be totaled but insurance said they only found $7k of damage. They fixed it but when all said and done it was about $15k. This was when a fairly equipped half ton was under $40k
Old 11-18-2019, 03:46 PM
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Read some of my prior posts about insurance. I spent 20 years with Allstate in Sales and Claims. You can't just say it's not enough. You have to do your research. Most likely they used a computer based web site like Certified Collateral. Tell them you want the report from that company. Then try to find one exactly like yours for sale and prove to them what it's worth. It's harder dealing with the other person's company. You may have to deal with yours if they don't give a reasonable amount. Then you can invoke the appraisal clause in your policy where you hire an appraiser and they have to hire one too. From my experience they both come in pretty close. Never take the first offer from any insurance company.

Good luck
Old 11-18-2019, 04:37 PM
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Get a bunch of quotes for that exact truck with the exact mileage you have and donít settle for anything less.
Old 11-18-2019, 05:07 PM
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Originally Posted by vettnman View Post
May have to file thru my insurance and let them battle it out
Should have done this from the beginning. This is partially why you pay them. If they other company has accepted fault, then your rates will not be affected.
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Old 11-18-2019, 05:19 PM
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I have gone through this before. Itís like they play a game of attrition waring you down to the point that you are ok taking less than what itís worth because you are tired of dealing with them. Donít give in. Their number one goal is to get out of it for as little cost as possible and have no regard for you or your personal situation.
Old 11-18-2019, 05:25 PM
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Subrogation , Use yours they will tune up the other parties liability . You should not have to , but law makers give too much away to insurers .
Old 11-18-2019, 05:35 PM
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Originally Posted by airbrush View Post
Minor neck injury will get you 15 - 25 thousand after a few treatments and therapies.
bullshit

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