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Old 12-31-2019, 02:12 AM #16
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Can you desrcibe the scope of coverage that you had with State Farm: Liability, Collision, Uninsured Motorist, etc? Just wondering...
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Old 12-31-2019, 02:40 AM #17
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Can you desrcibe the scope of coverage that you had with State Farm: Liability, Collision, Uninsured Motorist, etc? Just wondering...
Bodily injury / Property Damage Liability
P2 Personal Injury Protection
Comprehensive
250 Deduct collision
Car Rental / Travel Expenses
Uninsured Motor Vehicle BI
Underinsured Motor Vehicle PD
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Old 12-31-2019, 08:27 AM #18
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First off, sorry about your 4Runner. But thanks for detailing your experience -- it's quite educational.

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The assessor stopped my about 19 items into my 30 mod items. She was very polite and asked the State Farm representative if they could move my assignment over to the one-ton commercial assessment side of things, as well as to expand the search to a regional search for "like" vehicles. The State Farm representative agreed and they said that they would get back to me.
What does that mean? And why does it make a difference?
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Old 12-31-2019, 01:41 PM #19
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Okay, the short answer is I don't entirely know as I am not in the heads of the other side trying to work this thing out, but...

It sounded as though after I got to about line-item 19 out of about 30 line items that this was too much for an assessor to investigate and try to account for under the normal protocols. She stopped me in between breaths and asked the State Farm representative if she could have authorization to move this towards the one ton or commercial side of things. So think in terms of a truck that's been modified for specific use like a work truck that has modifications or something like that but is not a passenger vehicle.

Again, maybe it was just the right combination of people that handled my claim. Who knows...
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Old 12-31-2019, 07:16 PM #20
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Okay, the short answer is I don't entirely know as I am not in the heads of the other side trying to work this thing out, but...

It sounded as though after I got to about line-item 19 out of about 30 line items that this was too much for an assessor to investigate and try to account for under the normal protocols. She stopped me in between breaths and asked the State Farm representative if she could have authorization to move this towards the one ton or commercial side of things. So think in terms of a truck that's been modified for specific use like a work truck that has modifications or something like that but is not a passenger vehicle.

Again, maybe it was just the right combination of people that handled my claim. Who knows...
All I know is if I ever total my rig I'll be asking for a commercial adjuster straight away. That's handy stuff to know even if I don't care how it works on the insurance side of things. lol
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Old 12-31-2019, 11:12 PM #21
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All I know is if I ever total my rig I'll be asking for a commercial adjuster straight away. That's handy stuff to know even if I don't care how it works on the insurance side of things. lol
Yeah, I think she asked for my 4runner to be classified as a "one-ton" or "commercial" evaluation.

They don't care about maintenance. Think in terms of things that *add value to the vehicle*. So if you blew your gears and replaced them with, more gears. That's not really adding value to the vehicle. But if the gears were part of a regearing and diff lock, that might be considered adding "value" to the vehicle. I mean... it's hard to know for sure because it all seems fairly subjective on our side, but like I said, I wanted to give them as much information as possible as I expected them to not take a lot of it into account. And of course, they don't care how many labor hours are dumped into the vehicle. There's not really a great way to quantify that.
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