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Member
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Join Date: Feb 2018
Location: DC
Posts: 287
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Member
Join Date: Feb 2018
Location: DC
Posts: 287
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Yeah that's totalled. Happened to mine just a few months ago, with less damage than that (and none to the frame). I don't have enough experience to tell you what to expect beyond that, but maybe my story is instructive.
I have a 2002, about as clean as yours, but no unicorn. Got rear ended and pushed into the vehicle in front of me. The bumper was pushed up a bit, but not bad at all.
Insurance put the value at $5200, which was close to KBB ($4800). Repair estimate was $4700, which was over the limit for MD (75%). They deemed the salvage value at $2000, so I got cut a $3200 check.
I was able to do the repair myself for free. The damage is still evident if you look close, but it's not obvious.
In the end, I my truck is a little less pretty, I can only get liability insurance and the KBB value is about half, but for all that trouble I got a $3200 in the bank.
If I were you, I'd look into getting the frame fixed in a shop if needed and doing the rest yourself. That's a real nice truck, it'd be a shame to give it up, especially considering what they'd give you for it.
edit: fixed the numbers, which were slightly off
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2002 Limited 4Runner
2001 Jeep Cherokee
Last edited by Jidaran; 01-20-2020 at 11:22 AM.
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