Considered full loss from insurance.
They only want to pay $6k despite any 4runner is nearly $10k minimum anywhere.
Now for the battle over value.

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Blah.

I thought the initial estimate was only $2500. Did that change? If it were me, I'd consider what the insurance company offered and pay the rest myself. My T4R is in excellent shape and if I were in an accident that's what I'd do. I love my 4Runner.

The initial estimate was visual, then they removed the bumper.. there is a slight ding in the rear section of the bumper crossrail and they called that full frame damage and want to replace the full frame.
Had I gone to the second shop, they said they could fix it but there's nothing wrong with it really. Third shop said what even is wrong with the bumper rail, just scratches..


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A tough decision to make, for sure. I wish you the best of luck and hope everything comes out to make you happy. Since you tow a travel trailer, you want that fix to be the best one you can get/afford.

When everything is settled, would you mind sharing who the insurance company is? May he worth avoiding.

I got rear ended in my 07 Sport V6 in January by an older Camry. But my impact was more in the middle rather than off to the side. My rear crossmember got pretty tweaked down and in and my hatch got dented pretty good along with bumper cracking and exhaust damage. They replaced a host of things in the repair: new muffler and resonator with pipes from Toyota, new hatch shell from Toyota, new bumper cover, cut out and welded in a new OEM rear crossmember, and replaced EVAP components that got damaged with OEM. All in the repairs were over 8 grand if I remember correctly (idk where the paperwork is anymore) and they still didn't total out the truck. It probably depends a lot on where you live and mileage. But some insurance companies and adjustment companies also just suck. Very sorry to hear this man fight like hell!